23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of Refiancing, Mortgage is with Chase bank Refiancing with XXXX XXXX I have been asking Chase for Pay off figure for 8 days and they still have not given to me I missed closing date and now I might lose my rate. I have called them 6 times I have emailed them 8 times Please help me. Regards XXXX XXXX XXXX XXXX
Product: Checking or savings account

BMO has discriminated me. Ive been experiencing nothing but issues from BMO. I processed a XXXX  transfer on XXXX and received a confirmation that stated my money would be sent in minutes. Upon checking my money stayed in pending status. I called spoke to a BMO rep regarding it. I said the system had an issues and that transfer would go out on XXXX. Upon checking my account on the morning of XXXX I noticed the transaction was still pending. So I called BMO again to find out why my transaction didn't go through. The put me on hold and transferred me to the fraud department. The rep by the name of XXXX took the call. He told me the reason my XXXX didn't go through was because of a {$5000.00} deposit that was flagged from the XXXX. I explained to XXXX that the deposit was a cashiers check and the payment had cleared on XXXX. He told me he didn't care and my account was on review and hung up in my face. I called back several times asking for a manager and was told no and hung up on several times. I was told my accounts are frozen and that I have no access to my money. I explained that my money is for my bills and I have to travel tomorrow. BMO basically said they don't care and I have to wait. I asked for manager or a department to help me and it fail on deaf ears.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/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
Product: Debt collection

DID NOT HAVE SERVICE WITH THIS COMPANY. I WAS IN SHELTER AT THAT TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Debt collection

notice errors reporting to consumer report and provided the company with this information via certified mail along with a NOTICE TO CURE. HARELY DAVISON CONTINUES TO REPORT LESS THAN 100 % ACCURATE DATA WICH IM ENTITLED TO RECEIVE 100 % ACCURATE DATA. ALSO THIS ACCUNT IS MORE THAN 120 DAYS UNCOLLECTABLE AND IS NOT CHARGED OFF. AND REPORTING LATE PAYMENTS. LASTLY, A NOTICE OF INTENT TO DISCHARGE DEBT HAS BEEN SENT
Product: Credit card or prepaid card

I tried to order a pool cover reel from a vender ( XXXX ), but the order was declined so I pressed the key again and was declined again. I thought nothing of it and looked at other sites. When I received my Citibank card bill I see that I have been charged twice for {$82.00}. I disputed the charges. I tried to contact the company but the phone # they list doesn't exist, also I have not received any product from them. I called Citibank and thought it was all taken care of. What is Citibank 's problem? When I contact Citibank all I get is somebody I can't understand from another country.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email Address : XXXX XX/XX/XXXX Subject : Request for Removal and Correction of Inaccurate Information Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to bring to your attention certain inaccuracies in the information currently being reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I request that you promptly investigate and correct the following inaccuracies : 1. Removal of Non-Mailable Address : The non-mailable addresses being reported is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I confirm that this address is not valid, and I request its immediate removal from my credit report.

2. Correction of Full Name : My correct full name is : XXXX XXXX XXXX I have noticed that my full name is inaccurately reported, and I request that you correct it to reflect my accurate and legal name. 
XXXX. Correction of XXXX : My correct date of birth is : XX/XX/XXXX XXXX. Removal of Phone Numbers : The inaccurate phone numbers are XXXX and XXXX. 

The reported birthday is inaccurate, and I request that you correct it to reflect my accurate date of birth.

I would like to bring to your attention the specific provisions of the FCRA, 15 U.S. Code 1681s2, which prohibit the reporting of information that is known or believed to be inaccurate. Furthermore, according to the same statute, once notified of inaccuracies, reporting agencies must cease reporting such information until its accuracy can be verified.

Please investigate these matters promptly and provide a written response within the statutory timeframe. If, after your investigation, the information is found to be inaccurate, I request that you promptly update my credit report accordingly.

Enclosed with this letter are copies of documents supporting my claims, including proof of my correct address and identification. Please let me know if you require any additional information.

Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the applicable legal requirements. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report an unauthorized charge on my bank account from XXXX for {$160.00}, dated XX/XX/year>. I promptly notified my bank, Capital One, on XX/XX/year>, of this fraudulent charge. Capital One issued a provisional credit of {$160.00} on the same day while they conducted their review. 

However, on XX/XX/year>, I was unable to make a purchase with my card due to it being declined. Upon checking my account statement, I discovered that the provisional credit had been reversed. I later found that on XX/XX/year>, Capital One had sent me an email notifying me that the provisional credit would be removed on XX/XX/XXXX. When I contacted my bank, they informed me that after reviewing evidence provided by XXXX and its representative, XXXX, they had deemed the charge legitimate. 

On XX/XX/year>, Capital One provided me with the documents submitted by XXXX, which included purchase details, vendor policies, and a message from XXXX indicating that she would escalate the dispute if the reversal was not processed. After further investigation, I discovered that XXXX operates an XXXX account, XXXX, to promote her services. XXXX contends that the vendors policies are clearly stated on this account. However, my review revealed that the policies were not posted on the XXXX website, which is linked in XXXX bio. 

In my email to Capital One on XX/XX/year>, I pointed out that the policies were only accessible through the READ THIS highlight section on XXXX XXXX account. According to the Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ), business policies must be clearly presented to be enforceable. Because these policies were hidden within an XXXX highlight that is not clearly labeled, they do not meet this standard and should not be considered valid. Despite explaining this significant issue with the transparency of the policies, Capital One sided with XXXX and refused to refund the unauthorized charge. 

Furthermore, the deposit for the service was never authorized by me, and no service was rendered. Thus, I am entitled to a full refund. 

This dispute has evolved from the legitimacy of the charge to the transparency and accessibility of the merchant 's policies. Given the circumstances, I believe I am entitled to a refund for this unauthorized charge. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX My Banking Company : Capital One Claim # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is a fourth credit bureau with public record information that is used by apartment complexes to determine qualification for a lease. They have a judgement on their records for me that was WITHDRAWN. I need it removed. I attempted to dispute this with LexisNexis directly but that process isn't available. The Fair Credit Reporting Act would cover them as well and gives me the right to dispute negative items on their files. 

I have attached a copy of the notice of WITHDRAWN judgement. The court is XXXX XXXX XXXX in XXXX, DE. The case is XXXX
Product: Credit card or prepaid card

I recently applied for the Citi Double Cash card and received my Citi Double Cash card on XX/XX/XXXX. I activated the card and was informed I can begin using my card. My two first attempts to use the card on XX/XX/XXXX the card declined. I immediately contacted Citi and was told the card is usable with no further declines. I stressed that this can not happen as I'm using this card for purchases with vendors whom I work with. I was assured there would be no further problems. On the following day I had two vendors contact me that my Citi card was declined. I again contacted Citi card and was told they need a copy of my Social Security card. I have never provided this information to a credit card company as I have excellent credit, and held credit cards for over 30 years. Also, I have another credit card currently with Citi. 
After almost an hour on the phone and speaking with a supervisor I requested to cancel the account as I will find a different card provider. They refused to cancel my account until I give them a copy of my social security card. 
I then receive a letter stating they want a copy of my social security card on XX/XX/XXXX via mail. I immediately called and stated I'm not comfortable mailing a copy of my social security card and to please cancel my account. I have not interest in doing business with this company. I was told they will not cancel my account until I mail them a copy of my SS card. At this point I have no idea what to do. I have wasted too much time and effort trying to resolve the service and cancel my account. 
Citi has worst service I have ever experienced.
Product: Credit reporting or other personal consumer reports

My Data was leaked In a date breach caused By all XXXX credit bureaus leaking my personal information to the world. Which has an affect on My credit.
Product: Checking or savings account

I filed two disputes first on XX/XX/2023 for {$200.00} and second dispute was on XXXX was told that it may take up to XXXX to hear a response and that the merchant has XXXX to respond however it is now XX/XX/2023 and I have had no update and Im being to that the merchant has until infinity to respond in addition I was told no credit has been issued even though the merchants have not responded to confirm nor deny the legitimacy of the disputes because i have more than eight disputes as a customer to the bank that has many issues I want to be fairly treated Ive never been explained nor told there is a limit on legitimate disputes and I basically cant file a dispute even if Ive been a victim of theft or fraud
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/ 2024, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$2300.00}, which exceeds the original credit limit of {$2000.00}. This reporting is both inaccurate and misleading, as it reflects a utilization rate of 117 %, despite the account being charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXXXXXX XXXXXXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. 
Furthermore, I request verification that XXXX XXXX is still the legal owner of the debt. If this debt has been transferred or sold, XXXX XXXX should not be reporting it, in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). I also dispute the current payment status, marked as In Collections/Charge-off with a past due amount of {$2300.00}, since this account was closed and charged off on XX/XX/ 2024. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is incomplete, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks stating " Charged off as bad debt ; Dispute resolved, '' as I do not agree with the resolution of my prior dispute. These remarks are misleading and should be removed, as per FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all the account details, including the balance, creditor status, payment status, and remarks. I ask that all inaccuracies be corrected or removed from my credit report. Please provide written confirmation of the results of your investigation and a valid contractual agreement containing my full signature to substantiate this debt.
Product: Payday loan, title loan, personal loan, or advance loan

**COPY OF EMAIL SENT TO COMPANY ( XXXX ) MONDAY XXXX Good evening, I am sending this message as one final attempt to get help so you can see, on record, that I have done everything I possibly can to get this situation resolved. It is currently XXXX XXXX on Monday XXXX, and my loan is due tomorrow - Tuesday XXXX. However, I am unable to pay it back due to an issue with your app that I need your assistance in fixing. 

Please see this picture of the many attempts I've made over the past several business days to contact support and get help to fix this issue : As you can see, I'm trying to be proactive. 

If you are not already aware from my obnoxious amount of support requests, the debit card issue that you all have been having with the new app update has been affecting my account severely. For some reason I am able to move money freely to and from the app/wallet using the debit card transfer feature, but I am literally unable to payback my loan because of the disconnect between my debit card and the app. 

Every time I attempt to pay back, I receive this message in my email : However : - I been had the funds in my bank account - My debit card is not frozen - I've used it numerous times today and just made sure it's " on '' through the XXXX XXXX app - My card number is active and not expired - I don't have a monthly limit. 

Here is what I have done so far to try and remedy the situation : - Contacted my bank to make sure there is no issue with my debit card - Disconnected + reconncted my associated debit card linked to my checking account on file with SoLo - Attempted to pay with my SoLo Wallet by moving funds into there - Attempted to pay through the mobile site instead of the app - Spoke with one of your lovely agents, XXXX, on Thursday XX/XX/year>. 

None of this has worked so far. 

XXXX did let me know on Thursday XX/XX/year> that the loan was showing as " processed '' from your end and that I should check back on Friday to make sure the payment was posted : However, the payment has still not in fact posted to the app, and the money is still in my bank account. 

Now today I received this message in my email : So I'm just letting you all know right now that I absolutely refuse to pay ANY late fees you dare to charge me, and I will not be paying any other frivolous charges on top of that. 

**END EMAIL**
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX I received a text message with my name a case number and it stated that a 45 day notice was issued on XX/XX/XXXX ( attached image ), my sister also received the same text with my name at XXXX XXXX. I called the number and asked who was the company contacting me the person immediatly hung up the phone. I called right back and asked again I provided the case number and the representative known as XXXX XXXX stated the case was for XXXX XXXX, I then stated that was not what the text I received stated and he then asked me for the case number again, I provided it and then he came back saying that he was with XXXX XXXX XXXX representing SunUp Financial who were suing me for non payment on my debt. He said they were contacting me at which I stated I received no contact from this company, we then found out they had the wrong address on file but they had the correct email and phone number but only contacted me by mail. He then stated that they were suing me and if this was something I wanted to resolve which I stated of course if i had gotten the communication I would have. He told me the balance which was {$3300.00} and asked how much i was willing to pay and we came up with a payment plan which he took to his higher ups and stated he would see if there was a court date on file and provide them with the plan. He came back stating there was no court date filed and that they accepted the plan and that I had to have a card on file which I provided and then later I received an email to sign with the documentation. Upon receiving this email I realized what account this was for. This account is an old account that I previously was on a payment plan for with another company. In South Carolina, there is a statute of limitations for suing of debt of 3 years based on most recent payment and date of original due date. The last time I made a payment on this account was XX/XX/XXXX which would mean the statute of limitations was XX/XX/XXXX, it is currently XXXX. I have provided proof of these payments and the original agreement with the other company. I do not have a problem resolving the debt but Im complaining because of the actions this company has taken. There were no attempts to call me or even email me about this debt, I did not even receive correspondence that the debt was sold again. I had no information about this besides 3 years ago and can no longer access the information on the original website. I also do not like the threat of suing me as the 45 day notice was up on the XXXX of XXXX and I had received no documentation and there was no court filing or calls or anything as stated I dont mind repaying the debt. Also the balance of the debt has significantly increased since being charged off as you can see from the current balance and the balance from the first debt collector and with the first debt collector i had paid {$490.00} of the balance.
Product: Credit reporting or other personal consumer reports

i have asked XXXX XXXX XXXX to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXX and have not received any response
Product: Credit card

I opened an account with Affirm back in XX/XX/XXXX and have paid the account within a timely manner. However, as of XX/XX/XXXX, every time I attempt to use the account, I receive a letter stating that I am being declined due to an " outstanding external debt with their partnered bank. '' I have called on several occasions and I have also asked for clarification regarding this alleged outstanding external debt to no avail. 
To my knowledge, I don't have any external debts with XXXXXXXX XXXX. I keep inquiring about this issue to no avail. I would like to know if I owe an outstanding debt with their partnered bank, and what is the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXXT Account XXXX Account name : XXXX  XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Prepaid card

Balance confirmed for XXXX attempted to use on XXXX twice for purchase less than {$400.00} and a hold of XXXX cents was taken both times then declined. Followed all instructions for AMEX website and was still unable to use anywhere. 

ALSOOOOOO.. This car seat that I am trying to purchase is on sale right now for {$350.00} - it's normally {$450.00}, which means this is the only time that I can purchase it at this price. I'll be unable to make this purchase due to AMEX being impossible to work with. My work gave me this gift card as a baby gift to use for my car seat and now I can't purchase it.
Product: Credit card or prepaid card

I was on a flight back from XXXX. They were advertising the XXXX XXXX credit card on the flight. Saying to sign up and received enough bonus points for another trip. They told me each leg of the trip was XXXX miles and the card would give me a bonus of XXXX miles- enough for my wife and I to return. I signed up for the card, paid the {$95.00} and received the bonus miles. In attempt to redeem them- I find that XXXX miles for each leg is not a reasonable flight. XXXX miles gets you a flight to another city where you have to stay overnight, then fly out the next day to final destination. If I want a reasonable flight then I was told the cost would be a total of XXXX miles plus {$170.00} in tax. The option to purchase the additional XXXX miles was {$2500.00} + {$190.00} in tax + {$30.00} processing charge. This is misleading and overcharging. To book these same flights on a cash basis ( using no miles ) costs less that {$1000.00} for two people to travel. This company has misled me, forced me to pay a {$95.00} annual fee, and pulled my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX This was placed on my credit reports recently. This account was already removed from my credit reports. It looks as if it was sold and then relisted This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with TransUnion not allowing me to file complaints at all anymore about the issues that I am having. XXXX has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.