23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX I noticed XXXX USD missing out of my chime account, immediately I called and live chat supported in too report these transactions from a cash app XXXX hurt XXXX 2 days later chime reships me a new card and immediately declined my dispute and said it was authorized, I looked into this on XXXX and XXXX  and it was horror stories just like this. Mine gets worse, so while my replacement card is on the way, they allowed someone too call in, re activate my XXXX XXXX reported stolen and now we have XXXX and now {$1000.00} in pending transactions from guess who? XXXX XXXX XXXX hurt. This is my rent and literally my kids XXXX money
Product: Bank account or service

I opened an account with Citibank last year with the understanding that I would receive a {$400.00} account opening bonus after meeting certain requirements. I confirmed with the call center in the bank that I met the necessary requirements to open my account ( which included depositing and keeping {$10000.00} ). They were not able to confirm the date that I would receive my bonus. I have called back multiple times and either been on hold for too long ( 1 hour ) or been given unclear information. When I 've called the bank, they 've taken 25 minutes or longer, including transfers to supervisors, to even locate the promotion on my account. The promotion code itself was never given to me, as I signed up for this online. 

I would like your assistance in retrieving this reward. Thank you.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

all XXXX credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all XXXX credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about XXXX times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX- XX/XX/XXXXXXXX XXXX XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX XXXXXX/XX/XXXX XXXX- XX/XX/XXXX equifax- XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX XXXX credit XXXXXXXX XXXX000.00} XXXX {$0.00} equifax- {$0.00} comments XXXX- Charged off as bad debt Dispute resolved ; customer disagrees experian- Purchased by XXXX another lender. Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Consumer XXXX after resolution Account transferred or sold
Product: Student loan

From XXXX to XXXX my loan amounts have grown exponentially through fraudulent practices with Navient. I was encouraged to defer my loans and was given mis-leading information on my repayment plan. In addition, I was charged exhorbitant interest fees and late payment fees due to the the processing of my loan consolidation applications and repayment applications. A loan origination amount that was estimated at $ XXXX is currently estimated at $ XXXX. Navient 's accumulated interest surpasses the original loan amount by $ XXXX. This is highway robbery and I am struggling to pay this loan back. 

I need my account investigated for fraudulent business practices
Product: Consumer Loan

I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX XXXX Credit Service Company , Inc. ( CSC ), a debt collector reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/XXXX to XXXX  several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX  on XX/XX/XXXX reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt When I request CSC to validate this debt, they refuse and instead sent illegally disclosures which is a direct violation of hippa, i never signed an authorization form for to CSC to access my medical records
Product: Vehicle loan or lease

Company : XXXX XXXX XXXX My Email : XXXX My phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX My car was totaled as of XX/XX/2023. I had liability insurance so XXXX XXXX placed XXXX insurance ( comp. and collision ) on my account. I opened a XXXX. Claim on XX/XX/2023, and I have XXXX insurance that was placed on my loan as well. I have been paying on time for the last XXXX years. An accessor deemed my vehicle totaled. I was then given a voicemail in XXXX that my claim would be closed due to XXXX Auto didnt fund or make a payment on the XXXX insurance. My account was then transferred to XXXX. So, my vehicle has been sitting totaled at an auto body shop for several months now and the shop owner is wanting storage fees. The vehicle is in CA at this shop and XXXX still getting collections calls and emails from XXXX to make a car payment and no help on my claim. My claim number for XXXX was XXXX. I appreciate your help and immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transition reported inaccurate information when an allege debt is in litigation which is a violation of federal law XXXX XXXX XXXX  permissible purpose. everything the credit bureaus report, they must report accurate information. XXXX XXXX authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of XXXX XXXX complex processes related to the posting of transactions and whether they will incur an overdraft fee. 

XXXX practices and an overreliance on overdraft and non-sufficient fees are counter to the credit union systems statutory mission of meeting the credit and savings needs of their members especially those of modest means. XXXX XXXX member-owners have the right to know about any fees and practices that affect their hard-earned savings and credit unions owe it to their members to be transparent. The settlement with XXXX XXXX underscores the importance of ensuring fair and responsible treatment of consumers and protecting consumers from predatory business practices. 

The CFPB ordered XXXX XXXX XXXX XXXX to pay more than {$80.00} XXXX to reimburse members and a {$15.00} XXXX penalty to the XXXX This is an external link to a website belonging to another federal agency, private organization, or commercial entity. victims relief fund ( Opens new window ).
Product: Credit card or prepaid card

I already submitted complain about that ( XXXX ) Judging by the response, I used too many words for American Express employees to understand. 

American Express suspended my American Express Gold card 3 days before the due date of my payment. Due to the suspension required payment to be made at the due date will not " un-suspend '' the account. Required/due payment was {$2700.00} and amount to be paid to un-suspend the card was {$4500.00}. This is predatory technique of extorting agregatory payments in order to better company 's cash flow and as is, it is entirely not legal procedure ( also against their own company policy ). They could try to do it only after sending email about approaching the spending limit and with no communication from my side. That did not happen. Their action was designed to make me pay over 150 % of what I should pay. This is not acceptable,
Product: Payday loan, title loan, personal loan, or advance loan

I have had this loan since 2020. For a loan that was XXXX I have already paid over XXXX if not more. This loan should have been paid. My pay off now is XXXX. This has been stressful considering the amount of money I have already paid. I have gotten behind on other bills and having no food for me or my children. I would like a solution to this ongoing problem. They have even put my car out for repo over being behind for XXXX. This has messed with me mentally, physically and emotionally. My payments were near XXXX a month. They are currently XXXX after I had to do a no money back refinance to get it down. As they didnt tell me that before. This has definitely been a lesson learned, but to be paying on something I know I have paid off a thousand times has been over the top stressful with high rates.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have 5 unauthorized inquries that need to be removed, I never filed for XXXX XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account was paid off satisfactorily and never late. Also one account that says it was included in bankruptcy which i s totally wrong. I also want to validate XXXX accounts I do not recognize, all of these items are detailed in the letter enclosed
Product: Student loan

My account is in default because I haven't paid on it due to very low income. Now they are taking my whole entire refund. When I have a child that now I can't even take care of. My tax money was going to be used majority on my child. The struggle is real. I tried to go on the rehabilitation program but instead they just reduce what I owe and only have a month to payback XXXX. First I'm not rich I'm poor so how can I pay XXXX within a month if I don't make nearly that in a year. I don't understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit for some time now and when I received my most recent update and it shows an account with the Department of Treasure in the amount of XXXX and I do not owe the govement anything, nor have I received anything from them indicating this. There is no open date showing nothing. I then called the number listed on the report and it indicates it's an nonworking number. This needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/XXXX my truck was repossessed. Called the loaning bank and they gave me 12 hours to come up with a payment of XXXX XXXX This was the following day XX/XX/XXXX. I could not come up with the funds. That same day I called later 10 minutes before my 12 hour deadline. They had locked me out of my account and stated that I could do nothing until the vehicle had been processed, and would receive a statement in the mail. I am to wait for that mail. I am at the end of my loan. Only owe XXXX on the remainder of a ballpark XXXX $ loan. I am now struggling to get to work that I desperately need be at to make money as I am an XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.0XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Product: Mortgage

My parents have been paying on a mortgage loan on a double-wide trailer for approximately 20 years. The principal balance of the loan has barely decreased. The loan was originally supposed to be a closed-end loan that reduced principal and interest. I am their son and when they took the loan out I was in high school. I 've since been in the financial services industry for 10+ years. My parents have paid faithfully although maybe had a few payments made behind over the years but have always paid. Recently my mother had a XXXX and my dad 's health has declined as well. Their income has reduced significantly since the loan originated and they have fallen behind. The mortgage company, Di-Tech, is threatening foreclosure and recently came to their house to take pictures. In my opinion, a threat to scare them into paying. They call my parents continuously and have both my parents afraid they are going to lose their home. My mother and my father are still recovering. The representatives are rude and show know empathy towards my parents.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts that have been opened without my consent/knowledge. I have attached a report with these accounts below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I Submitted a complaint to you all regarding Lexis Nexis reporting my XXXXr XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, XXXX ). Lexis Nexis followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the chapter XXXX bankruptcy information was not removed and Lexis Nexis did not complete the demands stated. They actually did nothing. I am at Witts end with Lexis Nexis. Lexis Nexis has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. Lexis Nexis, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX  WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. XXXX, XXXX, and XXXX all obtained this information illegally from Lexis Nexis under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}
Product: Prepaid card

I was trying to use my Paypal Prepaid Debit Card for the very first time. I could not withdraw the cash even though I knew I had put money on the card. I checked balance several times since I was confused. 

I later found out that I was charged a fee to check balance, in fact, I was charged the SAME fee several times in a row! And an ATM Transaction Decline Fee two times. All this within the space of several minutes. 

Even if a fee is charged in such a situation, it is not right to charge the same one several times in the space of a few seconds/minutes!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX