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

Chase Bank sent a letter stating that a Chase Sapphire card application was received an because I froze my credit, the application could not go further. Called Chase to notify them this application was fake. They canceled the application and would send me a resolution letter. Someone applied on two separate dates ; XX/XX/22 and XX/XX/22 for a Chase Sapphire visa Platinum card. They used my corrected home address and added a second in state address that Chase would not disclose to me. 

Chase Sapphire application reference number XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill it's 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 ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/2022
Product: Credit card or prepaid card

I have a claim regarding 22 unauthorized transactions on my child support government bank debit card they XXXX  program thru XXXX XXXX. I've opened a police report and have provided and indicated statements reflecting all 22 unauthorized transactions totaling over {$1700.00}. These transactions are going thru merchants XXXX  gas stations and a XXXX convenient store located in XXXX  California XXXX This is a product of identity theft. I will assist in the investigation however, they, XXXX, are not doing anything about the claim to prove that there's transactions were NOT made by me. They believe it was me and this is certainly not true. I need assistance in reopening the claim and approving my claim so that my son 's monies are returned to him. I have no other recourse. Please help me.
Product: Credit card or prepaid card

False Advertising. 0 % Bait and Switch offer. 

I applied for the XXXX XXXX XXXX card from this promotional offer on the Amex site : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It quotes : Intro APR & Plan It Fees 0 % intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 16.24 % to 27.24 %. 

I clicked on the Apply Now button on that page, and completed the application. After completing the application I was approved immediately for XXXX in credit. I clicked on the terms after my approval and they no longer included a 0 % APR. Never was I informed during the application process that the offer had changed or that I would not be approved for 0 % intro offer. 

So I called XXXX customer service to verify that I do have the 0 % intro offer. I was told it was not 0 %. After talking with 6 different representatives over 1.5 hours who passed me around, I'm told that that offer doesn't exist. Even though I am looking at it on my screen at the link I enclosed above. 

They told me to call XXXX to see how cancelling this card would effect my credit. XXXX told me it would affect me to keep the card or cancel. 

I do not want this card, but my credit has now been affected by both the inquiry, and also when I cancel. I do not want to be affected by this bait and switch promotion and would like my credit reporting cleared as if I had never applied or cancelled.
Product: Mortgage

I had been a part of the covid relief program with my mortgage company. Once it was finished they said I needed to make 3 on time payments in a row and they would renegotiate the loan. After making 6 on time payments they had not sent out the new paperwork to sign. I had called them every two weeks asking where the paperwork was. I continually was told don't worry and just keep making my payments. They finally sent the paperwork XX/XX/2022 which was a Friday. The bank was closed by the time I got it and Monday the XXXX was XXXX XXXX banks closed. I immediatley went to the bank Tuesday XXXX the XXXX and got it signed and notorized and mailed it back in the fed ex envelope provided. That next day ( XXXX ) NRL Mortgage called me and said they were issuing new paperwork because the time ran out??? I should not have to keep playing this game. I need this paperwork done and recorded so I can refince my mortgage with a different lender. I am being penalized because they took 3 months to send me the paperwork and when they did the time ran out?? This is unacceptable and I want it resolved immediatly.
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2021, someone logged into my bank account and scheduled two bill payments to 1. XXXX Credit Card Bill Payment ( not mine and not sure whose ) - {$4900.00} ; 2. XXXX XXXX XXXX Payment ( not mine and not sure whose ) - {$4900.00} ; 3. There were not enough funds in the primary checking account, so Fraudster transferred {$5000.00} from Savings Account and another {$2000.00} from another checking account to the primary checking account.

These ( Bill Payments ) were paid out on XX/XX/2021. 
When I saw these Transactions on XX/XX/2021, I immediately called the Bank and disputed and filed the claims, and kept accounts on Hold. 

Bank never communicated back until I called back on XX/XX/2021. On this call, they mentioned that the Claims were denied as transactions were made from the same device that other transactions were made. And the Representative mentioned that he will send the detailed report in the regular mail, which I never received till now, but they have sent a simple report on XX/XX/2021 via email upon my continues requests, in which it states that Transfer completed by the same device and not being disputed as fraud. with some transaction details with IP Addresses and some other random generated IDs. Customer Reps from the Fraud department were not able to explain that report clearly nor report statement is correct. But I have looked through all those transactions, IP Addresses, and random generated IDs upon looking at those details, there is clear evidence that all Fraud Transactions were made on XX/XX/2021 and XX/XX/2021 as I explained at the beginning of this complaint, and those IDs and IP addresses are different from the regular transactions. 
Having said that, based on the transactions and login details shown in the letter all the fraud logins and transactions were done on XX/XX/2021 and XX/XX/2021 which are not done by me or from my device or my network. 
Please help me to get these funds back to my account from Bank. 
Please let me know if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX that was sent to NCA and keeps popping back up on my credit report from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX Personal Credit Card Account : CLOSED - Account Number : XXXXXXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Hurricane Maria passed through XXXX XXXX, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX / XXXX of 2017, myself and millions of other citizens played victim to the Equifax security breach. They 've not directly informed me of the breach and the potential for my identity to be stolen thanks to their negligent security practices. According to the Equifax Potential Impact site, I am listed as a potential victim, and have yet to have received any information from them regarding the breach or how to proceed from here so as not to be a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Rushmore Service Center continues to attempt to collect a debt they can not prove is mine. I have asked on three separate occasions for the documentation indicating my business relationship with RSC and the contract with my wet signature. RSC continues to send a copy of what looks like an old bill. They are using unfair and deceptive means to collect an alleged debt.
Product: Credit reporting or other personal consumer reports

This is the information I sent to get my credit fixed due to I was not notified or gave permission to anyone to access my personal information/account. My credit is steady dropping. I never got approved for the student loan for number XXXX so why do I owe? 

According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Product: Credit reporting or other personal consumer reports

Nexuslexis made a report stating accident with XXXX XXXX. I had no accident with XXXX XXXX. I had a speeding ticket that is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuing to verify XXXX XXXX collection account as 120 days past late with an XX/XX/2022 late payment. This is false. I have not entered into a payment agreement with XXXX XXXX. XXXX can not mark my collection account as 120 days past due. They are not creditors and I have no payment plan with them that would allow them to continue negatively impacting my credit with this lie.
Product: Mortgage

Working on a short sale with this servicer since XXXX/XXXX/XXXX when XXXX service-released the loan to them. We lost one buyer already, but have a new buyer/offer in since XXXX/XXXX/XXXX. My understanding is that all files must be reviewed by The Committee prior to approval. I called twice today and was told that the file is still waiting to be reviewed by The Committee and that I should call back next week for an update.
Product: Checking or savings account

On XX/XX/XXXX I opened a claim with Bank Of America and they honored the claim and gave me my money for the short 3 months until they took the money again. I filed a claim 4x they kept getting reopened and closed. All the proof I provided is below and exactly what I sent to Bank Of America and they denied it because they claim my IP address is consistent with the use of the account for all i know somebody in my home could've ordered it without me knowing. I've tried to be friendly with Bank Of America, but they've pushed me further to do this. This also it's the the first time and incident like this has happened. The amount taken from me was {$1200.00} and I did not authorize it to be taken on that specific transaction. I shipped back the items to XXXX then they close my account for return abuse even though I rarely return items to XXXX so now my bank is siding with them which is absurd.
Product: Credit reporting or other personal consumer reports

**On [ XX/XX/year> ], I noticed that there were unauthorized hard inquiries on my credit report from [ XXXX  XXXX XXXX and XXXX XXXX XXXX  ]. I did not authorize these inquiries, and I believe they were made in error or fraudulently. As a result, these inquiries are negatively impacting my credit score. 

I contacted [ transunion XXXX XXXX ] on XX/XX/year> requesting the removal of these unauthorized inquiries, but no resolution was provided. I am now submitting this complaint to request that the company remove these inquiries from my credit report immediately and confirm the correction in writing. **
Product: Credit reporting or other personal consumer reports

Citibank is showing my Citi Double Cash Card twice on my XXXX credit report when it should only be reporting once. This has increased the amount of available credit on that credit report which resulted in a denial for a credit card through Citi Bank. I want the credit card to be reported once instead of twice and for the hard inquiry to be removed since Citi Bank had incorrect information reporting and I was denied the card due to my amount of available credit being under used.
Product: Credit card or prepaid card

Around XX/XX/XXXX we filed a dispute with Mattress Firm via Navy Federa Credit Union Mastercard. The dispute was regarding a defective Tempurpedic queen size mattress which the specifications were 58x78 inches instead of 60x80 inches. Also, included in that dispute was a restocking fee for {$540.00} in which were were disputing because we were not informed of this restocking fee or any information about their return policy. We were given the run around with Navy Federal regarding this dispute. The Navy Federal employees were communicating different information to us as we had several phone calls that last over 2 hours basically on each phone call.. When Navy Federal first submmited the dispute that left out the information regarding the mattress was defective because it was not in compliance with standard queen size bed. It's noted that on XXXX and XXXX XXXX the speciafications of the queen size bed. They ruled in XXXX XXXX favor because when they submitted the dispute the first time they left out was the critical information of the defective mattress. Navy Federal only considered the restocking fee and not the defective mattress. Its my undertanding the a company can not charged a illegal restocking fee if merchantise is defective or not as decrijbed. We also had to sign under duress for the mattress to be picked up with a notation of the restocking fee. We feel Navy Federal is not compiling with the regulations of Mastercard code 4853 dispute code and failed to providing protection for us as a consumer. Navy Federal phone # is XXXX XXXX. Also, we were not informed about the outcome or no communication until we inquired on XX/XX/XXXX. We paid off the credit card and closed the account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
Product: Credit reporting

I sent Transunion sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than 10 years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.