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

XXXX sold us airline reservations that included free personal item service. But we did not receive the free personal item service.Instead we got additional charges from the airlines for the free personal item service. 

We informed XXXX and XXXX XXXX but they are not willing to fix the problem. We then informed Citi Cards regarding the issue with detail letter, but Citi Cards refuses to take any action. 

We have informed Citi Cards that XXXX is misleading airline passengers and committing fraud by selling a service that they are unable to provide but thus far Citi Cards has failed to take any action, instead wants to punish their customers by forcing their customers to pay for fraudulent charges on their credit card bill. 

Citi Card is marketing and advertising customers will not be responsible for fraudulent charges but Citi Bank has failed to keep that promise. 

Please review the attached documents that was already submitted to Citi Cards.
Product: Credit card

I received a letter that my account was being closed effective XX/XX/XXXX XXXX I contacted Chase and no one could give a reason other than a review team reviewed it and decided to cancel my card. 

I have had this card for years with no prior issues. This effects my credit standing when credit cards are closed by the company with no reason or explanation. 

I was further told that I could never apply for a credit card with Chase in the future.
Product: Credit reporting or other personal consumer reports

report number XXXX EXPERIAN REPORT ACCESS collections on my credit report showing are not MINE THIS IS A RESULT OF IDENTITY THEFT THESE ACCOUNTS DO NOT BELONG TO ME AT ALL. 

XXXX XXXX XXXX  OPENED : XXXX BALANCE : {$740.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXALANCE : {$790.00} XXXX XXXX  OPENED : XXXX  BALANCE : XXXX. CLOSED {$220.00} WRITTEN AGREEMENT PERSONAL INFORMATION ON MY CREDIT REPORT IS TOTALLY INCORRECT THE ONLY NAME ON THERE SHOULD BE XXXX XXXX XXXX THE ONLY ADDRESS SHOULD BE XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Im contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX  XXXX and or XXXX XXXX XXXX  XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Original Debt. was settled and Closed with a Zero Balance with XXXX 's however, After settlement the settled Debt. was sold as if never PAID to Portfolio Recovery in the Amount of {$680.00} and I been Disputing it because it was Closed & Settled with XXXX 's. 
However, I do not have the File number but the Dispute with XXXX XXXX on XX/XX/year>2024 was NOT completed until early XXXX VIOLATED the Consumer 's Fair Credit Act rights as required by the act to reply within XXXX  Days. 
In light of this Violation I think the Company should PAY the Violation FEE of {$1000.00} and Remove the Collection from My Credit report which by the XXXX XXXX Texas XXXX of DEBT Limitation Law of XXXX  Years has expired making it a Non Valid DEBT. in fact BOTH of My Portfolio Recovery Debts are beyond the Statute of Limitations and should be removed from My Credit Report. 
I Do Not appreciate the fact that the Notes say : Account information disputed by consumer, meets FCRA requirements when in reality how does it meet FCRA requirements when it was an active unresolved Dispute from XXXX to XXXX that is in fact a Direct Violation of My rights under the FCRA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.
Product: Checking or savings account

On XX/XX/year>2024 I deposited {$1200.00} at a Chase ATM, but it ate {$500.00} and only credited {$770.00} to my account. I went inside the bank and was told by XXXX of the tellers that at the end of the day a technician would count the money from the ATM and they would be able to find out if there was an overage. He also told me to call customer service to report the incident. I called right away and explained what have happened and gave them all the information that was on the transactions receipt. They refunded my account with {$500.00} on that same day, but to my surprise, XXXX weeks after, Chase reverse that transaction and debited the {$500.00} from my checking account. They never called nor did they sent a letter explaining what the resolution was. I called customer service and was told that they did not find that ATM to have an overage. They said it took them XXXX weeks to make their investigations, when I was told at the branch that they would know by the end of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union AND XXXX recently reduced my credit score by XXXX points because I received a loan of {$5800.00} which XXXX OFFERED me. However, my available total credit is {$72000.00} ; therefore my actual credit utilization is only 8 %. Prior to the loan my utilization was 1 % for over 2 years! Even during the pandemic! 

Additionally, everyone knows that the credit reporting agencies NEVER have the same score as the other ; so how could they both come to the conclusion that taking the loan constituted lowering my score for EXACTLY XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TRANSUNION for a week straight pertaining removing fraud alert. I have done everything they suggested I do to remove alert, there system is always down all the time and every time I call they say they can complete this request for me which makes no sense at all.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. I was shocked to find that i've been a victim of identity theft, I found numerous accounts that were not opened by me. This has been affecting me as I am trying to find a home for my family. I also noticed 2 other debt collectors who have been added to my reports by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Checking or savings account

It happened on XX/XX/year>, when I applied for a personal loan in the amount of {$3500.00}. It was not approved although my credit rating is at XXXX. I applied for the loan over the phone and was told that I will be receiving a letter explaining why it was not approved. Immediately after she made that statement she said I have to go now because I have another call. I've never been late on any of my previous loan payments and I make more than enough money to secure the loan. I feel like I am being single out due to my ethnicity. 
Thanks for your help!
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX  and the dealer did not provide me with the required disclosures at the time of the transaction, and as a result, I was not aware of my right to rescind the contract within three days of signing. I have since learned that the dealer was required by law to provide me with the disclosures, and their failure to do so has extended my right to rescind the transaction. The total downpayment amount was {$5400.00} paid in cash with {$29000.00} being financed. I have since paid a total of {$6600.00} towards this contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2020 a call was received from a XXXX XXXX XXXX  regarding FHA Streamline Loan. After discussing terms with XXXX XXXX at XXXX XXXX we were re-assured this would NOT be a hard inquiry on our credit. So, it was to our surprise to find one on our credit from this company. We NEVER authorized a hard inquiry as we have been comparing and considering our options to find what company best fits our needs. We have spoken with a number of companies and, this is the first that has caused this inquiry to impact our credit. Im demanding this inquiry be researched as it was not authorized and XXXX was dishonest about what he was doing. A number of times we asked & expressed a clearly that we didn't want a hard inquiry on our credit. There were attempts to call him and request a correction of his error. We have been unsuccessful. We XXXX, and attempted to talk with XXXX 's employer at XXXX XXXX directly. Unfortunately, weve not heard back from them either. We are asking credit agencies to remove this inquiry immediately.
Product: Mortgage

I have been making partial payments for years where the partial payments add up to the total monthly amount due. 

The company Specialized Loan Service has harrassed me on numerous occasions forcing me to take time off from work to deal with them. Literally days of phone calls with them. 

They refuse to apply my payments to my Load Payment and insist that they will not apply it to my loan payment. 

The result will be that even though I am paying them consistently they will forclose on my property
Product: Credit card

I got an advertisement from Chase about opening a XXXX brand credit card. The offer was to get bonus miles if you spend a certain amount on the card. So I applied and spent the minimum, but now they 're refusing to honor the agreement. They claim I was under a different offer with a higher minimum. Never was this disclosed! they did a fraudulent bait and switch to induce me to sign up for this card under false pretenses
Product: Credit reporting, credit repair services, or other personal consumer reports

I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX XXXX and transunion regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Product: Debt collection

This has been going on for several years now and the company refuses to stop collecting on the bogus XXXX fees even after stating they would stop. 

I received yet another collection letter from them yesterday and have sent them another validation of debt request to which they will not respond because it is not possible for them to validate a bogus debt. 

The letter they sent does not have the correct license plate number for my car listed. They know this, they have been told this for years. 

I do not have an account with the company they claim to represent. I use their competitor and have had an account in good standing with them since I have had the car. 

This company is fully aware they are illegally trying to collect a debt I do not owe but they do not care.
Product: Checking or savings account

I called Chase to report several fraudulent transactions, but they were unable to return my money because of the XXXX limit. They stated there was nothing they could do for me, and the total was XXXX I have great credit and pay my online bills on time every month. I'm thinking of closing my account with Chase. 

XX/XX/year> - XXXX XXXX  - XXXX XX/XX/year>- XXXX. - {$530.00} XX/XX/year> - XXXX XXXXXXXX - XXXX XX/XX/year> - XXXX - {$320.00} XX/XX/year> - XXXX XXXX {$500.00} XX/XX/year> - XXXX - {$100.00} XX/XX/year> - XXXX  - {$100.00} XX/XX/year> - XXXX XXXX- {$100.00}
Product: Checking or savings account

On XX/XX/2022, someone hacked my Citibank checking account and wire transferred {$18000.00} out of my account without my authorization, I found it on the same day night, and immediately call Citibank to locked down my account when it was still on a pending transaction.but few days later, I contacted Citibank again and they told me that my money had transferred out already and Citibank refused to refund me my money. Citibank need to strengthen system security and train they employees, if they locked down my account as soon as it was on a pending transaction, my money was safe.and every time I call Citibank, they always told me that the case is still investigating, and investigator will call me, but there is nobody call me ever, it has been XXXX months, they are still investigating, I need my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my transunion credit reporting was sent to my brother record and my record was not accessible anymore to me. I contacted Transunion dispute center and I was routed to XXXX call center and I handed my sensitive information such as my ssn, birth day and address. Once the agent from XXXX call center can't help with my acct, she transferred me over to XXXX call center. The XXXX call center requested all my sensitive information and told me that she will put my account to Maintenance mode, and wait for 5 days to get the status. 

On Sunday, XX/XX/XXXX, I have an alert from my credit monitoring stating that I have a new address and Public records for Bankruptcy and I have never filed any of that. So I click the dispute and I still can't access my own account with my SSN on transunion. So contacted them on Monday XX/XX/XXXX, same process, routed to XXXX and XXXX. I just found out that nobody did my account in maintenance mode. So I just given my sensitive info in some person in XXXX and XXXX. They told me there was no claim or filed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, my account is still not available and its hurting my record and my job due to credit history is a requirement for my job. 

My major concern is my information was vulnerable already. Also, why transunion screwed my records and sent it to a different social number and terminated my account? this is why data is being hacked due to their lack of data information security. This is a concern. 

Thanks you, XXXX
Product: Credit reporting or other personal consumer reports

Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX. 

This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( XXXX ).- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX XXXX XXXX, XXXX, Equifax this account is in violation and therefore needs to be completely removed. 

Equifax did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and robbed of opportunities because of this inaccurate information
Product: Student loan

I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues.
Product: Mortgage

On XX/XX/XXXX, I was on the phone for 2 hours trying to reapply for forbearance and was put on hold multiple times. The rep said she was putting me on hold discussing with a manager how to finalize. After 2 hours, the phone disconnected and nobody ever called me back so I have no update regarding my forbearance plan if approved or not and also therefore, I do not know that if not approved as to whether I am in default or not. 

Since XX/XX/XXXX, I have called multiple times in attempts to speak to a representative. Each time, I can never connect to a person. The automated system appears to be set up to never be able to speak to a live person. On a few of the attempts when I thought a person would answer, my call was immediately dropped. 

I have also received regular calls from Rushmore from an automated number with an automated message saying I need to make payments and to call the number in which is the same number that has called me. 

This company is operating extremely unprofessionally and risking me being in default of my mortgage. 

I also can not make any payments online as in order for me to access my account per the website, I am instructed to call in. 

I need immediate answers and a resolution for these issues as to status of my forbearance, default status, account access and contact with a human being. 

Rushmore has claimed that there is a 60 day waiting period due to switching services but I have been serviced by Rushmore for years which is also not true and has nothing to do with me never being able to make contact with this company!
Product: Debt collection

I was under the XXXX  XXXX in the XXXX. I did not have a capital one account. They keep on saying that I had one someone previous that was at this address mightve use this address that was falsely in my name. It was not me the number is not my phone number as you see that its not my number either you said that it comes back to me and its not mine so Im asking you to prove this by my signature on my ID if this is the same person that had signed the credit card. Thank you.
Product: Vehicle loan or lease

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath and I depose the following facts, so be it, now present : I, XXXX XXXX entered into a consumer credit transaction with CARMAX AUTO FINANCE on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and several of my Federally protected consumer rights were violated in the following manner, thus I would like in an act of good faith in this matter please expedite my request to resolve. None of my requests about these violations were addressed but instead the company responded to the debt collection. My focus is on the many violation that occurred while in this consumer credit transaction. 

I have sent a notarized copy of an Affadavit of truth which was not rebutted with any factual components at all. According to the truth in lending and fair credit repair act, i am entitled to a response to any federal consumer violations. This case can not be closed until you address the many violations that have occured. 

These are the following violations : 15USC 1605 ( A ) 15 USC 1605 ( C ) 15 USC 1611 ( 1 ) 15 USC 1635 ( A, B, F )
Product: Credit card

Citibank has reported to credit reporting agencies that the credit accounts with them were " charged off '' while cards were paid as agreed and Citibank refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.