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

On XX/XX/ around XXXX XXXX, I received an email from Bloomingdales credit card service and informed there was a store purchase for {$3100.00} on XXXX cosmetics. It is at their XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York store location. But I was home and did not make this purchase. I immediately called Bloomingdales and filed a fraud claim. It was a presale until XXXX XXXX informed Bloomingdales to stop the transaction. On XXXX  I went to the local Police office and filed a police report. On XX/XX/3, I saw Bloomingdales still posted this fraud transaction. I called Bloomingdales on XX/XX/ and questioned why they didnt stop the transaction and still released the product to the criminal. They could not give me a clear explanation. I am very disappointed about the way that Bloomingdales handled the issue although I informed them when the fraud happened immediately. They still let the criminals took the products and posted charges to my store credit card. It is absolutely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This data breach at Equifax is a display of absolute negligence. But hey, things happen. However, if I want my credit frozen, I have to now pay the three agencies to do that? That seems absurd. Freezing your credit should be free.
Product: Credit card

XXXX credit card put a hold on my account do to return payment from my checking at XXXX XXXX, where I receive direct deposits from my job and receive or make XXXX XXXX payments. They have yet to remove the hold and cant reach cash app. My balance is {$0.00} on my credit card as its paid in full. Its been on hold for attests 30 days from XXXX XXXX XXXX XXXX
Product: Debt collection

I was using a credit score software and noticed there was a new collections on my credit, but I never received any notice or bill and I have never heard of or used the company listed
Product: Checking or savings account

I suffered fraud transaction on my CITI debit card and I submitted it to CITIBANK. However, they denied my claim with no reason and reject to issue appeal for that.
Product: Bank account or service

A " XXXX XXXX '' texted me about purchasing my bed from XXXX on XXXX XXXX, 2015. He sent me a cashier 's check for {$2200.00} on XXXX XXXX, 2015. The bed was {$900.00} but he sent me extra to pay the " movers '' {$1300.00}. On XXXX/XXXX/15, I discovered via on-line banking that the cashier check cleared and {$2200.00} was deposited into my account. Per his request, I paid the " movers '' through XXXX XXXX on XXXX XXXX, 2015. The same day he texted me again telling me he needed money. He asked me to send him {$670.00} out of what he had sent me for the bed. Red flags came up immediately and I told him no. He said he needed to pay medical bills and pay their private physician who he named " XXXX XXXX. '' He wanted me to send " XXXX '' the money through money gram. Now I had already sent the " movers '' {$1400.00} from the money " XXXX XXXX '' sent me. I told him I 'd rather just refund him the rest of his money and cancel the transaction. I felt like this was fraud and he was trying to get me to send money to people he knew. I sent him {$180.00} on XX/XX/XXXX and told him I 'd pay him the rest the next day when the bank was opened. He agreed that I would send him the rest of the money back through money gram. I did n't send him anymore funds. On XXXX/XXXX/15, I learned that the cashier check was " bad. '' Had the cashier 's check not cleared ( it initially showed it was processing, then showed it had cleared on XX/XX/XXXX ) on my on-line banking statement and the funds not been deposited into my account, I never would have sent " XXXX XXXX '' any funds. A BOA representative informed me that because of my good credit history, the cashier check was honored even before it was confirmed to be bad or good, which I ca n't believe. And stated that I should have taken the additional step of calling the bank or going to the bank in person to confirm the cashier 's check had cleared. At no time prior to this transaction was I informed of this by BOA. I, like many others, believed that when any type of check shows to have cleared and the funds have been deposited, the check is good. BOA knows many people are under this impression. Yet, it does not educate its clients about this particular deceptive practice and allows it to continue. I am appalled that this practice is allowed to occur. If a check is not confirmed to be " good '', why does BOA allow it show ( on on-line banking ) it has cleared instead of just letting it show it is still processing? There must be thousands of current and former BOA customers that have been victimized by this particular deceptive and misleading practice. It needs to stop.
Product: Credit card

My soon to be ex-wife took out several credit cards and loans out in my name before she left me a couple of months ago. She currenty has me in about {$30000.00} in debt and i have debt collectors trying to collect from me, and she has my credit score really low.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX notified me of a 30 day late with Randolph Book Fed Credit union. However, not only are all of my accounts are set on Auto Pay, I also paid {$1500.00} on a {$2000.00} balance to show my Credit Worthiness. I contacted the merchant to find out what happened and it was a data error that was suppose to be fixed by the merchant and communicated to XXXX per my conversation with the merchant that in fact refunded the late fee due to the inconvenience. I sent a letter to XXXX on XX/XX/XXXX after speaking to the merchant several times however, I have not received any mail correspondence from XXXX or the merchant with the explanation or investigation results. XXXX instead, updated the dispute results to investigation complete, reported by furnisher after the investigation time frame that is well over 30 days. I have been a customer with this merchant for over 4 years with exceptional credit history, never been late once. Experian status was updated XX/XX/year> however, I was notified in writing of the investigation or any information from the merchant via mail. Please help assist me with this matter of the 30 day late that was in fact never late and paid on time with Randolph Book Fed Credit union. Thank you for your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Product: Student loan

This loan has been paid and removed from the loan company that is on attachments with other documents. It has been paid as of XX/XX/2012. After some years I started receiving letters again from another new collection agency. Please review and have this company not send any documents of unpaid loan. Your response on this issue and complaint will be greatly appreciated. Name of the company that is sending me this notices is GC Services Limited Partnership, XXXX, Texas.
Product: Mortgage

At this time I 'm in a trial Modification loan with Chase that started XX/XX/XXXX ending XX/XX/XXXX when I tried to first check my Hamp status account XX/XX/XXXX it showed I did n't have a Hamp account.So I just went in on my regular account to make sure my payment posted and it did. On XX/XX/XXXX I went online trying to check my account to see if there were any changes and it stated " Issues with your account are limiting your access. Please call Customer Service at XXXX for more information. Or, find out how to resolve these issues online. Note : If you have a construction loan, please call XXXX, option XXXX. '' I called the XXXX number and spoke to XXXX, I did n't hear her name very well so I ask her to repeat her name, she got silent then said XXXX. I question why I could n't get in my account and she said because I am behind I can no longer access my account, I said I have never heard of that before, I 'm not trying to make a payment just want to review it, she said again I 'm not allow in my account anymore
Product: Mortgage

Greetings, My mortgage loan originated on XX/XX/2020, with an Unpaid Principal Balance of {$230000.00}. However, LoanCare 's system shows that they have arbitrarily increased by UPB to well over $ XXXX ... Why? Why are you applying my payments to a higher UPB? Pull the Note and they can confirm the UPB. 

Please have my UPB updated correctly AND reapply ALL payments received and applied to the account thus far to the corrected UPB amount, with the correct effective date. Please request that they provide a formal response of their findings, and confirmation of the corrections. 

I have attempt to call their office to get this corrected ; however, the automated system leaves me on hold for long periods of time with no answer .... then hangs up on with. 

Attached is screenshot so you can see what I am seeing as well. 

Also- MY TAXES ARE PAST DUE from XX/XX/2020. When will they disburse for taxes ou of my escrow account?
Product: Credit card or prepaid card

On XX/XX/2019 I applied for an HSBC Bank Gold MasterCard online ( App. ID. 
XXXX ). 
The application form had a US citizenship question to which I answered XXXX, because I am XXXX XXXX XXXX XXXX. 
My credit was in the high 600s, good credit. 
Though I gave the bank my SSN, they did not pull my credit report to ascertain who I was.But instead decided to manufacture a reason that my identity could not be verified. 
Because after quoting ECOA, in the denial email, which forbids denial of credit based on national origin, and i XXXX XXXX XXXX XXXXXXXX XXXX, whoever handled my application, in my opinion, was in a dilemma.So they decided not to pull my report because it was a futile excercise or redundant. 
HSBC approves ONLY XXXX XXXX  for credit cards, a violation of ECOA.So no matter my credit situation, I would not qualify for the Gold MasterCard. 
Fast forward to the pre-approval letter to apply for a personal loan. 
If they could not verify my identity by a simple effort of pulling my credit report which takes a few seconds, how was HSBC, XXXX, NY able to access my credit report and mail me a pre-approval letter for a personal loan?
Product: Vehicle loan or lease

The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have medical issues and I requested a forbearance. I was told, a homeowner can only get a forbearance for covid related issues. However on the loan care website it lists other reasons that qualify for mortgage relief. Loan care is not working with me to ensure I have the best option available to me. I have everyday for the past week and each representative gives me different information. some say I qualify for a forbearance for medical issues but loan care only sent me paperwork for a loan modification which is only like a {$150.00} reduction, this is not a big help for me seeing as how I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just want to be treated fairly and given the options available to homeowners who are struggling to pay their mortgage.
Product: Money transfer, virtual currency, or money service

Poloinex froze my accounts where I have cryptocurrency in them. I try contacting them but they have not responded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and Equifax use an account ending in XXXX that was in repayment plan with this creditor to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/year>. The creditor action with Equifax was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau Equifax today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor XXXX XXXX XXXX XXXX started to take the payments out on the XXXX of XX/XX/year> earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made a payment as a with agreement. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to , authorize nor benefit from either of the following inquiries in which many third party companies have made several inquiries. ALL HARD INQURIIES AND OTHER TYPE OF INQURIIES ARE TO BE REMOVED.
block and remove them. 
Transunion XXXX XXXX XXXX inquiries, transunion XXXX XXXX XXXX inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires, XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX inquries, transunion
XXXX XXXX XXXX XXXX XXXX inquires, XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries,
XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXa transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquires, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Money transfer, virtual currency, or money service

Hi, I have a negative money amount on my PayPal account. A buyer have requested a refund or something, but he didn't tell me anything and I didn't get the goods back as well. It's totally a fraud and I have all the proofs. They will definitely try to do the same scheme with other payments ( they paid from different accounts ). Please help me. Providing all transaction IDs ( from PayPal ) he sent money from : XXXX, XXXX, XXXX, XXXX, XXXX Attaching the screenshot he sent last time paying for item.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these concerns remain unaddressed. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as detailed in my previous certified mail, is overlooked, I will escalate the matter by filing a complaint with the Federal Trade Commission. It's imperative for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to do so will require the immediate removal of these disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) | XXXX - {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX  | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX  | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX | XXXX - {$2700.00} XXXX | XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureau experian to verify these accounts obtaining the original source required under the law. They have not properly investigated these accounts. They have reached out to the creditor and still have not provided any documentation supporting the accounts are indeed verified and correct. Im reporting experian for NEGLIGENCE NONCOMPLIANCE. This is what I sent to them Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Checking or savings account

There is activity on an account that has been closed..I no longer use this account All my information has been compromised!!!!
Product: Mortgage

Since being under Caliber Home Loans, they have never paid my taxes on time. They 've had every excuse in the book. I am tired of getting delinquent notices from my tax office.
Product: Debt collection

Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX.
Product: Checking or savings account

My account was wrongfully closed and my money in the account taken
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.