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

On XX/XX/XXXX I received a text message regarding a refund. I immediately called customer services to inquire if this was a legitimate text. It should be noted no information regarding this refund was available for me to review in my on-line profile. Also, I have long maintained that I do not want to receive any items via the mail as I don't believe I my mail is correctly delivered. This has been my known preference on this account for several years. After several back and forth transfers between the security team and the customer service team, I was told this was a legitimate text and I should receive a letter along with a check in the next 4-6 weeks. The customer service rep was unable to provide me any information on the amount of the check or any details regarding the time table. I then looked up the information through the media and discovered the refund was in regards to Reg Z violations. I waited the appointed time and still received nothing in the mail. In early XX/XX/XXXX, I again called the service team who told me they put in a request in to have the check reissued and I should wait an addition 15 days. I called back in late XXXX and was told they could direct deposit the funds into my account. They finally informed me the amount of the refund at this point. They explained I should wait 3-5 business days. On the fifth business day, I received a letter in the mail that stated " Please be informed that we are unable to assist you with an Annual Percentage Rate ( APR ) refund check. '' It should be noted that the letter did not contain the appropriate tracking number needed by XXXX, their third party provider. I again called customer service and this time I was given a number for XXXX. XXXX informed me a letter and check was issued back in XX/XX/XXXX. They could place a stop payment on the original check and I would have to wait an additional 40 days to issue the check. I feel as though Citi purposefully engaged in unfair, deceptive and abusive behavior in regards to this settlement in hopes I would be discouraged. I believe my situation is not unusual and more than likely evidence of a pattern of behavior that was intended to discourage consumers from rightful obtaining their refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I called Transunion because I noticed that some inquiries that had been previously removed had reoccurred on my report. I spoke with a representative by the name of XXXX. XXXX was very rude and impatient. When telling XXXX the reason for my call XXXX replied that no inquiries were re- reported to my account according to her computer screen. I informed XXXX that I am very much aware of my rights and that I would like for her to send me a picture or document of the screen that she 's referring too. XXXX responded by saying she has verified the information for me. I constantly told XXXX that this information was accurately reported and that I was not mailed a 5 day notice prior to the re-insertion of the inquiries which is FCRA law. Any computer glitches that takes place is not a problem of the consumer ( me ) but the company ( Transunion ). I felt the need to contact Transunion in good faith to ask that the inquiries that were legally re-inserted be removed.
Product: Debt collection

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, and I demand their prompt deletion. The inclusion of these unauthorized entries severely impacts my creditworthiness and tarnishes my financial reputation. I expect your immediate and unwavering cooperation in rectifying this matter. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I have recently reviewed my credit report obtained from your bureau and was appalled to discover several accounts that I can confirm are fraudulent and unauthorized. The information associated with these accounts is inaccurate and has been damaging my credit score, causing me significant distress.

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the validity of these accounts and demand their immediate removal from my credit report. It is imperative that you conduct a thorough investigation into these matters and rectify the inaccuracies promptly. Failing to do so within the legally mandated time frame will leave me with no choice but to pursue legal action against your bureau for negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including a police report and any other relevant evidence, to substantiate my claim of fraudulent activity. I trust that you will take this matter seriously and act swiftly to rectify the inaccuracies on my credit report. 

I expect a written response within 30 days, confirming the removal of the fraudulent accounts and providing an updated and accurate credit report. Failure to comply will leave me with no option but to escalate this matter to the appropriate regulatory authorities.
Product: Money transfer, virtual currency, or money service

I have sent documents to verify my identity to Gemini on the XXXX XX/XX/2021 and have since received no response. Despite numerous attempts at contacting them I am yet to have a response, their customer service is appalling. I am unable to use my account until it has been verified.
Product: Debt collection

Amerisave and XXXX XXXX  Forged the Deed of Trust to my property on XX/XX/year> without my acknowledgement or Consent. It it unlawful to Generate a deed of trust as a Service Provider in the State of Tennessee without the Consent of the Owner. The Attorney acting on behalf of these Company 's have sent threatening letters of foreclosure holding No Original Note and a Cloudy deed of trust that was forged. XXXX XXXX has not Verified or Validated the debt or Provider the Original Creditors Information as Requested.
Product: Credit reporting

My name is XXXX XXXX, A new address popped up on my credit report. I do not live in XXXX XXXX VT this Addresses newly reported XXXX XXXX XXXX XXXX, XXXX, XXXX live at XXXX XXXX XXXX, XXXX, XXXX, VT XXXX. I have never lived at the XXXX address above and have no plans to. I have never worked for XXXX but have worked for XXXX for 21 years.
Product: Credit reporting or other personal consumer reports

RE : CFPB Complaints # XXXX ( XXXX ) XXXX # XXXX ( XXXX ) and # XXXX ( Transunion ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. XXXX, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's FICO credit reports within the 4 days allotted for the removal of said items.
Product: Mortgage

This is a follow up to Complaint XXXX I tried to email documents showing proof of XXXX insurance to Shellpoint Mtg but I keep getting undelivered notices. 
I am being charged lender placed insurance for years even tho I have XXXX insurance through my condo assoc. 
XXXX XXXX XXXX XXXX XXXX XXXX  for further insurance info contact XXXX XXXX XXXX XXXX
Product: Debt collection

I just recently saw an account that appeared on my credit report from Midwest Recovery Systems. I have never received any type of letter, bill, phone call, or anything from this third-party debt collection company. They have not verified or validated any type of debt with me. I do n't know who they are collecting for but I do not who these people are and do n't owe any original creditor this amount of money.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and involved in a data breach which are the result of identity theft fraud. These fraudulent accounts consists of a business credit card with XXXX opened around XX/XX/XXXX, and personal credit card at XXXX XXXX XXXX XXXX around XX/XX/XXXX, and a auto loan at XXXX XXXX opened around XX/XX/XXXX. These accounts have resulted in hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the immediate removal of these items from my credit file.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiry to Be Blocked and Deleted XXXX. XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I sent letters to the bureaus time and time again. .I received a credit report from you and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first. U.S. Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 

They continue to provide stall letters so they wouldnt have to abide by law and deleting these unknown information off my report eliminating my fair chance at being an good consumer.
Product: Credit reporting or other personal consumer reports

Hi, This is regarding my XXXX  auto lease # XXXX. Back in XX/XX/year> a auto monthly payment didnt go through from my husbands XXXX  accounts. While I attempted to replace the pay account XXXX made all sorts of issues and didnt allow me to add an account to pay for severel weeks thus resulting in the late paymnet. They also would not take payment over the phone. So i tried setting up another pay account, First they said that inorder to use my husbands account I needed to be a signor. Then they said that my name must be on the account listed and that a signor is not good enough. They said you can be added as a signor on a business account, then said the same thing that my name would need to be listed on a statment. All the while I cautined that If they dont give me an alternative I will be reported late. XXXX said that there was nothing worry and the account was still in good status. I was notified this week that a late payment is showing and am deeply disturbed by this. I called XXXX but they said there was nothing they can do about it. 

I appreciate your
Product: Payday loan, title loan, or personal loan

On XX/XX/23, I applied for what I thought was a flexible spending credit/debit card through Upgrade bank. The offer was for a {$400.00} welcome bonus when you sign up for both the card and their checking account. They offer good interest rates, so I decided to sign up. 

POSSIBLY IMPORTANT- I saw the offer on the XXXX app, and clicked the link to apply through that app. 

After the initial application process, I thought it was odd that I wasn't prompted to open a checking account. It was after midnight at this point, so I decided to deal with it when I woke up in the morning. I signed up for a checking account later on XXXX, and added a savings account. I then called the bank to make sure I didn't miss anything with the application process. 

I was told by Upgrade customer service that I didn't qualify for a {$400.00} bonus, that my bonus offer was {$100.00} after I spent {$500.00} on the line of credit. They went on to tell me that the {$400.00} offer was through XXXX XXXX, and I should go to them with any further questions. 

I tried to contact XXXX XXXX that day through their online help form, and got no response. 

Today, XXXX, I looked at all the pages on Upgrade 's website, and found the {$400.00} signup offer- it was for a card, connected to a checking account, just like I originally tried to sign up for. I tried again to contact the bank and asked if they could correct my account, since I applied for one financial product, and received another. 

They told me that they couldn't make any changes, and that XXXX XXXX was responsible for the error, since I clicked a link through their website. 

I contacted XXXX XXXX through online chat, and was told, in essence, that they had nothing to do with affiliate links and couldn't correct anything on their end. 

I called Upgrade and closed out all the accounts. 

Aside from infuriation, wasted time, and a hard inquiry on my credit report ( that was advertised on XXXX XXXX as a soft inquiry only ), I haven't been harmed. However, I wanted to make a report, because it seems unlikely to me that a financial institution would advertise a product with a high financial incentive and then " accidentally '' give customers a high interest ( 21.96 % ) line of credit instead. I believe that Upgrade, XXXX XXXX, or both, may be involved in a bait-and-switch scheme, and if I had really needed a loan and drawn on it right away, I would have been stuck, as I'm sure many people have been by this offer.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I'm writing to file a complaint because I opened a First Tech Credit Union Bank checking account and I have scheduled direct deposits as they required to earn the bank 's deposit bonus as it advertised. However, after I finished all the requirements, the bank refused to post my bonus to me, and their representative said my direct deposits are not eligible because they are unemployment payments. I can't accept their excuse because all banks treat unemployment payments from the government as direct deposits. I opened several other banks ' checking accounts and scheduled unemployment payments, and finally I received all my bonuses. Therefore, there is no reason for the First Tech bank treat them not and use this excuse to refuse to fulfil their promise. I'm a honest man and I think this is scam, which is unacceptable.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX : {$1400.00}.
Product: Money transfer, virtual currency, or money service

I have experienced many occasions where I have sent a zelle payment and it was processed twice out of my account. Along with the transactions made to a consumer thats was fraud. This caused my account to go into the negative and my financial institution has yet to resolve this issue. They have denied any corrections being made without fully investigating and coming to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXXXXXX XXXX  Made XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 credit reporting bureaus, for the past 25 years my FICO rating has always been above XXXX. A few years ago I noticed that Experian kept lowering my score from around XXXX to just below XXXX changing my credit score from excellent to very good. 
Well it didn't take long to figure out that since Experian started their own credit reporting tool that was a service that promised to increase one 's credit score and that I don't belong to, that my FICO score started vacillating from just under XXXX while the other two credit reporting agencies have kept my FICO score constant for the past 25 years while every month or two Experian keeps bouncing my FICO score to just below XXXX for no reason what's so ever. If you look into my credit history you will see I have never paid a bill late, never had a negative item in my entire credit history, but if I agree to join their credit reporting program then all of a sudden my credit score will jump up past XXXX ( excellent credit score ). It is obvious that Experian is trying to take advantage of the public by arbitrarily lowering people 's FICO score for no reason at all, more to the contrary, they are penalizing people who have good FICO scores unless they join the Experian Credit Reporting Program, which is just out and out credit score manipulation which needs to come to an end. I am writing to you in the hopes that you will make them aware of this and that they need to change their policy, which seems highly illegal. 
Of course barring no action from your agency I will be forced to sue them in a class action lawsuit for illegal business practices. I await your reply and thank you.
Product: Debt collection

I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. 

Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in XXXX, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. 

My score dropped significantly and I'm in the middle of getting a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. XXXX, Equifax and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.
Product: Debt collection

My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.