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

On XX/XX/2019, someone, ( not me ), applied for a Citibank credit card. I contacted the company and asked them to remove the information from my credit report and their files. They stated they could not help me and advised me to file a complaint with your bureau which I did. 

They denied my complaint. They stated I did apply for the card because my old address, SSN, name, and date of birth were used. Therefore, they would not correct the information they filed about me with the credit bureau. 

I have since learned, my personal information to include name, date of birth, SSN, and physical address were among the millions compromised in the XXXX Data Security Breach announced at the FTC 's website on XX/XX/2019. When I entered my last name and last 6 digits of my SSN on the FTC 's website, they informed me my information was compromised by the XXXX breach. 

Additionally, I sold the house ( XX/XX/2019 ) used as the physical address by the credit card applicant on XX/XX/2019, and moved from that residence on XX/XX/2019.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by a person from XXXX I tried to buy a XXXX XXXX and he told me the price and showed invalid proof that he was not a scam so I sent him the money which he ended up being a scam because he told me that I would get an email to confirm that the XXXX would be sent and once I messaged him back to tell him that I did not get the email he blocked me so I contacted cashapp to try to get my money back and they told me since it was a cash transaction that I cant get my money back but I have all the proof to show that it was a scam
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen a fraudulent account on my report from XXXX XXXX I reached out to Experian to remove this account and they have not or sent validly of this so called debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card or prepaid card

I bought furniture from XXXX XXXX, XXXX XXXX. They also pitched 0 % loan from synchrony bank. I signed up and also set up Autopay on the banks website to pay the minimum payment. 

Today, I noticed interest charges, so I called the bank. They said the 0 % was only for 6 months. 

I feel defrauded because : 1. I don't remember being told of 0 % interest being only for 6 months. Plus,  since I was shopping in a furniture store, I did not expect to be charged 29 % interest for loan on furniture purchase. 
2. I set up the Autopay and it did not pull out enough money. Min pay was not the same as the min pay needed to meet the 0 %. 

They tricked me into taking loan with 0 % ( I did not need the loan ; took it only for the 0 % ), then they tricked me by encouraging me to Autopay ( I stopped paying attention to statements ) and in autopay, they did not deduct the right amount in min pay to meet the 0 % threshold. 

I believe this offer is designed to mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have two accounts with Bank of America that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the ~5k balance {$100.00} a month for the acount with the ~16k balance. 

Bank of America has not recorded these payments on the credit reports. 

Also, Bank of America has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you XXXX XXXX
Product: Credit card or prepaid card

I disputed with XXXX a charge incurred in XX/XX/2017 on my Morgan Stanley-XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. The hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

After receiving no satisfaction from XXXX, I provided all of the above information in great detail both in writing and orally to Morgan Stanley, whose name brands my card. But Morgan Stanley has refused to take any interest in this issue. No one from Morgan Stanley spoke with me, and Morgan Stanley clearly gave no consideration whatsoever to my clear and legitimate concerns. It is apparent that Morgan Stanley feels no responsibility to ensure the integrity of its co-branded card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account THE XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account FIRST XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I applied to the XXXX XXXX XXXX for the XXXXXXXX XXXX XXXXXXXX to reinstate my loan. They paid the amount to reinstate my mortgage, but my mortgage remains in a bankruptcy state. The agreement was that my mortgage would be reinstated.
Product: Money transfer, virtual currency, or money service

My cash app card was stolen yesterday and my grandma had sent me XXXX XXXX It was used at various places I've never even been to. Totaling about XXXX $ and some change. I reached out to company multiple times all yesterday and today and still have yet to be answered. When I called them they said the transactions are pending and or already went thru so it's not their problem and to report my card stolen which I already had done. I just want my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX is a fraudulent account I never opened this account nor did I authorize anyone to open this account XXXX XXXX {$1400.00} is fraudulent I also have XXXX XXXX XXXX cases that are in forbearance as well as litigation I asked to have these deleted off my report until after the litigation was done XXXX of the accounts are the same accounts Please delete them
Product: Debt collection

I received credit report alert on XX/XX/2019 that Capital Accounts LLC put collection notice of {$190.00} ob behalf of XXXX XXXX XXXX to my credit report in three credit bureau. 

After I obtained Capital Account LLC contact info from XXXX  on XX/XX/2019, I contacted it for the reason why they never contacted me about debt collection before they put it on my credit report. They responded that they did send a letter on XX/XX/2019 to my current address. But I never received it. I asked them to send a copy of that letter to my email. They then sent to my email with a bill amount and doctor office name on XX/XX/2019 but this bill is not the original letter they claimed. The odd thing is that this bill shows that Capital Account LCC is not a debt collector ( see attached files ). 

I asked them why they did not send me the copy of their original letter dated on XX/XX/2019. They refused to answer. I asked them if the amount they collected was substantiated. They did not answer. I asked them to provide me with their license/permit number as debt collector in my state, they did not answer. 

In fact, I paid all my bills to the XXXX XXXX XXXX and my insurance paid their portions too. My insurance said that I overpaid XXXX XXXX XXXX already. The doctor never sent me the unpaid bill for collection too. 

My concern is that if any company can pretend as a debt collector and put any bad things on people 's credit report without justification/substantiation, this will disturb peace and ruin people ' life. 

Therefore, I am complaining Capital Accounts LLC to CFPB for investigation. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC Section 1681a ( 2 ) ( A ) ( i ) does state that a report containing information solely as to transactions or experiences between a consumer and the person making the report are not considered to be a consumer report. 

Experian XXXX XXXX has violated the Fair Credit Reporting Act as a direct result on this by furnishing inaccurate & illegal experiences ( utilization ) between the person ( XXXX XXXX Bank ) & the consumer ( XXXX XXXX ) without having a permissible purpose 15 USC 1681b ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in 2-3 years, I have seen many discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my Equifax, XXXX, and XXXX reports as they are unauthorized accounts : 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: Bank account or service

On XXXX XXXX XXXX I noticed XXXX pending transactions ( XXXX for {$53.00} ) on my account that I had not made. I immediately called my bank ( SunTrust ) and informed them of this. I was told they would take it off and research it. I asked them to please let me know who tried to write a check on my acct. or if it was accidental internal or computer fraud so they transferred me to the fraud dept. I told them the same situation again and they asked me if I would prosecute and I said yes! So they took my info and said they would contact me in about 10 days, however no one ever called but the transactions were removed from my acct.! I then called the SunTrust back on XXXX/XXXX/XXXX to ask what had transpired and they said " well it 's not on your acct. '' and again transferred me to the fraud dept who gave me a direct phone number to call. I called this number XXXX on XXXX/XXXX/XXXX. I then reiterated the same story and they said they ca n't find it anywhere but it 's not on your acct. so it 's ok. No it 's not I want to know who tried to get into my acct! So they said they would research ( again ) and call me back. Again THEY DID NOT! On XXXX/XXXX/XXXX I called the fraud dept. again and again same run around! I have banked with SunBank/SunTrust since XX/XX/XXXX and am very disgruntled that they ca n't even help me with such a small request as to who tried to get money out of my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has marked my account XXXX XXXX for 2 late payments one in XXXX and one in XXXX. However, payments were made to the creditor as well as a financial hardship statement due to Covid-19. According to the FCRA, late payments can not be reported during a disaster in this case Covid-19. I am in the process of obtaining the XXXX loan as my business was affected by Covid-19 however the 2 inaccurate late payments reported on my consumer report has brought my credit score below the minimum score set my the XXXX. This will have a dramatic impact on my loan approval. Because the late payments on my consumer report is inaccurate unverified, I request that they be removed from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2024.
Product: Money transfer, virtual currency, or money service

My Western Union account was compromised on XX/XX/2019 for {$820.00}. The company is refusing to refund my {$820.00} when I did not authorize this charge. They are refusing to go after the individual who picked up the money who I do not know. I believe one of western union employees went into my account and used it to send money overseas. I know they were reported to the FTC due to scam and fraud issues last year and yet they continue to allow these things to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card

My issue is, I applied for a pre approval from XXXX world XXXX. Once it showed I was approved it automatically created an account before I accepted the offer and put a hard inquiry on my report which also dropped my score. I called to have it rectified and they made matters worse. Closing the account which also was put on my report and then again took a hit on my score.
Product: Credit reporting 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. 


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  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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I set up my payments to be paid on Lowe 's credit card site. I have XXXX bank accounts to set up for payment. In XXXX and XXXX 2016, I attempted to make a payment that returned because my bank said the correct account number was not presented. I checked the portal and confirmed the correct account info was there. When the payment " returned '' as stated by Lowe 's credit card, I immediately went in the store to pay. I called in to advise what happened and was told that my account was closed and no purchases could be made. I have a XXXX balance and had a XXXX credit limit. When questioned I was advised that my account was closed not for non payment or late payments but because of XXXX returns in 12 months. This is an Unfair and Deceptive Practice. My items were not paid because the were not presented correctly. Now closing my account will affect my Credit Score which is a violation of FCRA due to providing inaccurate information. Lowe 's Credit never disclosed that a credit limit or account will be closed due to an item not being paid. The agent told me that the system automatically closes the account and if I want to reopen I have to reapply. Again another inquiry will drop my credit score. I am very proud that of my credit score and that I pay all my bills on time. This incident will negatively affect my Credit and I did not cause the problem. I could understand the closing of the account if I was delinquent, but I was not. Please also note that I paid my account off in XXXX by paying XXXX in the store which was paid. XXXX and XXXX payment that was not paid due to lowes credit error was a XXXX payments. Please correct my account. If the account will remain closed, delete the trade line. Account Closed by creditor negatively affects a consumers credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a free credit report and Transunion asked for my debit card. It didn't make clear to me at all that they were charging me for a subscription and I was charged twice for services I had no idea I was purchasing. I was only made aware of the purchases when I got two receipts in my email.
Product: Checking or savings account

Someone stole my phone and wallet while I was hospitalized got onto my XXXX account and stole my money had XXXX refund the money quite a few times and kept doing that until XXXX limited the account due to suspicious activity so the person made Both a XXXX XXXX  XXXX XXXX/ and XXXX Chime account in my name using my information I disputed the transactions with Chime and they found the activity unauthorized and fraudulent also that I didn't make the account at all however they approved the dispute and issued a refund of XXXX dollars I requested a check however they issued the credits to the Chime account that they knew I didn't make which resulted in an unauthorized withdraw of XXXX dollars on XX/XX/XXXX at XXXX that I am currently disputing RE : Account Number : XXXX Claim ID : XXXX please help me get my childrens XXXX money back Because Chime is giving me a hard time
Product: Checking or savings account

I tried to log in to my Chase bank account on XX/XX/2023 so that I could change a recurring payment. When I attempted to log in, I received a message that said the following : " We've updated our agreements. 
Please review these agreements to understand how they apply to you. You must accept these agreements to continue to access your accounts online and in the mobile app. We've updated our Digital Services Agreement and combined it with some of our other digital legal agreements to give you a more streamlined experience. If you don't accept, you'll lose access to online account services and continue to see this message until you accept the updated agreement. 
Digital Services Agreement Download agreementOpens PDF Online and Mobile E-Sign Disclosure and Consent Agreement Download agreementOpens PDF By clicking " I accept '' I confirm that I've read and agree to the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' One agreement was 10 pages long, and the other was 127 pages long. I could not log in to my account without accepting " the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' There was no option other than accepting the new terms, which were outlined in these two documents. 

I was prevented from changing a critical recurring payment because I didn't want to accept an agreement that I didn't understand, and would likely take an experienced lawyer to decipher. If I were able to comprehend what I was reading, it would take several days of research to look up the legalese and its implications online. 

There is no " plain language '' version of these agreements offered by Chase, nor can I find online. 

If this were a more urgent matter, or if it were a financial emergency, I would have had no choice but to agree to something I couldn't quickly understand. In addition, this action simply means that we must Chase 's terms or, I suppose, leave the bank, although... if I wanted to close my account online, I wouldn't be able to do so without ( again ) accepting their terms.
Product: Debt collection

Hello My son went to a fast med urgent care the medical insurance is under my name ( im the dad ) this it was placed on my credit report. This company also put it on my sons credit report as well which it should not be. I have been called daily looking for payment. On XXXX occassion i was told " you really should pay these XXXX bills {$54.00} and i believe {$110.00} other eise we will take our next step and go forward with legal action '' to me thats illegal to say there the lae firm of kross, liebetman & stone. I will proceed with a harassment and unethical collection practices lawsuit. What i would like to happen in order for me to not file a lawsuit and i will even resind this complaint i would like these XXXX medical items REMOVED from my son XXXX credit reports immediatly as its on my credit reports and can continue on my reports.