23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received texts regarding loan offers from different places. I called and was connected with Falcon Funding. They made an offer of {$1000.00}. I did not realize at the time that the payments I agreed to with them would not go to pay any of the loan off. It was not until I received an email reminder of the payment that I would be paying {$300.00} twice a month and none of that is going towards the loan. I have other high interest loans but have never had one where I am paying {$600.00} a month and none of that going towards the loan. 
I signed the papers with Falcon Funding on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
Product: Credit card

I signed up for a Credit Card offer from Chase. In this offer, if I refer a new customer to chase who subsequently signs up for and obtains a credit card, I will be given XXXX, XXXX miles to my Southwest Airlines account I referred XXXX XXXX XXXX for a credit card using the special link provided. This business signed up for a credit card and was given a card. Both individuals and business cards apply to this offer. 

The business signed up and was approved on XX/XX/23 ( offer end date ) and was given and used the credit card. The business is in good standing. 

I am attaching the credit card offer and the letter of denial from chase on XX/XX/23. I note that the offer says
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was contacted by XXXX XXXX, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of BBVA Compass, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted BBVA Compass by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to BBVA Compass on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
Product: Debt collection

I have received several emails from a person named XXXX XXXX from TrueAccord telling me that I have an outstanding debt with a company called XXXX XXXX. The emails say that I owe lvnv an amount for a credit card thru comenity bank. I have called comenity to find out if any of my accounts were sold to a collection agency and all said no and to report it for fraud. 
The amount of the " debt '' they say i owe is XXXX. None of my accounts have that amount as a debt. I'm afraid to contact true accord or lvnv because I don't know what they can steal from my phone etc. 
I do have an account number from the email but I'm sure it's fraudulent. 
I don't know if I should contact the company or not I am hoping that this will keep people from getting scammed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a XXXX prot umer. NO CONSENT IS XXXX XXXX As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Checking or savings account

I opened the business account on XX/XX/2023. I was supposed to receive a {$400.00} bonus for maintaining a balance of {$10000.00} for 120 days. I did that. I was only paid {$250.00}.
Product: Debt collection

Pioneer Credit Recovery has called my phone number over a dozen times. They are seeking information on a debt that is not mine. I have requested they stop calling but they have not stopped.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft, my information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Money transfer, virtual currency, or money service

I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success. Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am. I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation XXXX  ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation  XXXX  ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.
Product: Debt collection

advised hospital then and via all phone calls attempted to collect that XXXX XXXX XXXX was active and to bill insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXL add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for credit I received a copy of my Equifax credit report, I noticed that there were several of my positive credit tradelines were missing from my file and not reporting through my credit monitoring services. I contacted Equifax via phone agent stated that the accounts were there and it was an issue with the credit monitoring service even though I explained the accounts were not appearing on the credit report from my lender either. I wrote Equifax with my disputes/updates and included a copy of my drivers license and a utility bill, I didn't receive a return correspondence. My Equifax credit score dropped more than 30 points per my credit monitoring service showing a few of my active, good standing accounts were closed. I tried to log into myequifax.com, my attempts were unsuccessful. I called Equifax on XXXX and tried to use the automated system, the system could not verify me. I spoke to an agent, she stated that I do not have a credit file with Equifax. Although, I updated my married name and address a yea ago, I still asked her to search my maiden name and previous address, she said she still could not find a credit profile in my name. I explained to here I am looking at my file on my credit monitoring service that updated as recent as today, she said apologized and failed to offer me any type of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My main problem is Equifax this company is hitting my credit every month with negative reporting for no reason. Im paying my credit cards in full every month on time. I have on loan that is paid on time every month yet I'm constantly getting points taken off my credit score every month. When this started a few months ago my score was XXXX, now its XXXX and dropping every month. I will never be able to obtain any credit at this point, and I don't have a serious credit problem. 

I need a clear explanation why Im constantly getting these negative points every month sometimes more that three times a month while making consistent payments on time. 

Also I have inquired about a XXXX Account a vehicle that I own, paid off early yet they have negative remarks on my credit, not even showing that the vehicle was paid early in full. 

As a minority I will never be able at this point to get an apartment, house, or a new car ever. 

Please assist me in this ongoing problem,
Product: Checking or savings account

On Thursday, XX/XX/12 at approximately XXXXXXXX XXXX, while I was at school in XXXX ( XXXX XXXX XXXX ) I received a notification from my bank ( Chime ) that {$340.00} had been debited from an ATM in XXXX XXXX, which is not my area nor somewhere I frequent at all. Upon receiving this message, I immediately checked my wallet to see if I had my Chime Debit card on me, which I did. I immediately called Chime to inform them there was fraud activity on my account. They told me they would block that debit card and send me a new one, but I could not actually dispute the charge until it no longer showed as pending. I continuously checked for pending to disappear next to the charge, which happened on Saturday morning, when I called and filed a dispute with Chime. On the same day, I got a response from Chime that they saw no error and were not going to return my money to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and XXXX XXXXXXXX continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but XXXX XXXX continues to report the wrong information i only have one name and one address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for XXXX XXXX to share my information with any third parties
Product: Consumer Loan

I lost my car in an accident on XX/XX/2015. My primary insurance paid about 90 % of the financed balance. It took over a year for my gap insurance company to pay what supposed to be the remainder. Meanwhile the finance company charged off my account even-though they were aware that I 'm waiting on gap insurance payment. I have talked to exeter Finance so many times and each time I have been given a different answer. Please help me to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Hard Inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$21000.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Consumer Loan

The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.
Product: Money transfer, virtual currency, or money service

We are a small contractors company, XXXX XXXX XXXX, XXXX License # XXXX specified on bathroom remodeling and tiling. 
I got a bid from XXXX and started remodeling its 2 bathrooms. 
After the first bathroom completion, the customer made 2 successful payments using his credit cards and covered the cost of the job. 
Last XXXX  XX/XX/2024the customer made payment for progress on the second bathroom remodeling on that time up to XXXX %, or {$XXXX}. 
The job was completed on XX/XX/2024, and a final payment of {$XXXX} was made using his credit card again ( but a different account ) on XX/XX/2024. 
All transactions were made using the XXXX online banking system : XXXX. 
The first email I received at XXXX am XXXX, from XXXX XXXXXXXX, threatening that my account would be canceled, and the transaction ( {$XXXX} ) would be on hold unless I will not provide information ( invoices, and other documents supporting payment ) until XX/XX/2024 
I immediately replied ( on the same day ) by email and sent a copy of an invoice and correspondence with my customer regarding this payment. 
Despite this, onXX/XX/2024XXXX  notified me by email that all transactions were on hold for 120 days. 
No reasons or explanations were provided. 
I sent an email with the request : to refund money to my customer, but Chase declined my demand, saying that " funds placed in reserve can not be refunded. '' For me and my small business, {$XXXX} is an essential amount of money and can impact my financial stability. 
Please advise and help me with this problem! 

Thanks in advance. 
XXXX XXXX, XXXX XXXX XXXX. 
Cell phone : ( XXXX ) XXXX I
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX