23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a supplement to complaint XXXX. 

In addition to my concerns about the lack of disclosure of the biweekly payments not being applied to my mortgage, on XX/XX/XXXX ( at like XXXXXXXX XXXX ) my second biweekly payment of {$2500.00} was taken from my XXXX account through XXXX 's autopay. It did not show on XXXX 's website until XX/XX/XXXX and it says the amount of {$4900.00} ( on a total payment owed of {$4400.00} ) is STILL not applied to my account even a day after the mortgage payment has been made in full. As of XX/XX/XXXX, it says " Partial Payment ( Unapplied ) {$4900.00}. '' The chat representative XXXX XXXX said the only say to apply the money the same day is to make the payment all at one time. But that makes zero sense and there is no such disclosure in the biweekly payment sign-up option. So XXXX is keeping my money ( and the money of everyone similarly situated ) and earning interest on it while charging me more interest and not crediting my account. This is deceptive and almost certainly illegal.
Product: Money transfer, virtual currency, or money service

Binance.US will not verify my account. I am unable to withdraw any money from my account until my account is verified. I have submitted all the required documents and have heard nothing. I followed up by opening a ticket on their online support system and got an automated email.
Product: Credit card

While purchasing flights on the XXXX XXXX website in XX/XX/XXXX, Citibank offered a promotion to receive {$250.00} off my flights if I applied for the AAdvantage credit card. I did apply and was approved for {$1500.00} but my flights were {$1800.00} or more. I continued to purchase my flights with an additional credit card, thinking that the additional credit card would only cover the amount over the {$1500.00} limit. That didnt happen. The full amount went on my XXXX. I called Citibank, A representative told me that I would receive my card in the mail and When I started using the card I would receive the promotional amount. After using the card for several months I called Citibank again and ask them why I had not received the {$250.00} promotion. I was then told by a representative that I needed to wait until the end of XXXX ( When the promotion ended ) to receive the {$250.00} credit. I called Citibank in XX/XX/XXXX and said that I still have not received the credit and was told that I was not entitled to the credit because my flights were not purchased on the Citibank advantage card. I told them that I had called several times before and was told to wait until the end of the promotion. They said I dont know who gave you that information but now that the promotion was over, that there was nothing they could do about it. I called again the next day to see if a different representative would give me different information because that is what had happened in the past, but they also said that the promotion was over and that there was nothing they could do to assist me. 
I believe that this was deceptive advertising, very poor customer service and that the customer service representatives did not give me a correct information between XX/XX/XXXX and XX/XX/XXXX. I do not trust this company and will not believe their promotional offers in the future.
Product: Credit card

Applied and was approved for a Chase XXXX Mastercard in early XXXX XXXX When I received the card, as I am vacationing in XXXX, I used the card in various places. However, on XX/XX/XXXX ; all charges started to get denied with no text message or email warnings that the card was flagged. Tried using the card online at XXXX to pay rent, in person at XXXX XXXX, XXXX and at a grocery store, each time declined. 

When I called the number, I was patched automatically to fraud department which was not even able to open my account on their system. They pulled up someone else 's credit bureau report and asked me questions regarding an unknown person and they could not even authenticate my information or find out what my phone number was while on the phone. Chase said they would call me back Chase said they would probably call me back in 48 hours between XXXX XXXX XXXX XXXX  which is not acceptable as the card is simply not working at all and I was able to use a XXXX XXXXXXXX XXXX  instead
Product: Credit reporting or other personal consumer reports

I call the company and XXXX XXXX time to advise the account is showing late on my credit report for the company Affirm Inc . I did do any business with this company. 2 XXXX XXXXXXXX this account was open XX/XX/2014 I never did business with this company for the past 8 year I AM CALLING XXXX AND LKET THEM KNOW THIS ACCOIUNT WAS AN IDENTIFY THIEF UNDER MY NAME
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # XXXX, DATE OPENED : XX/XX/XXXX, CREDIT LIMIT : {$33000.00} XXXX. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DATE OPEN : XX/XX/XXXX, BALANCE {$19000.00}, CREDIT LIMIT {$16000.00} That appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent appearing on my consumer XXXX credit report. I've attached a list of copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, the collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, this collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit card

I am having an issue with a XXXX membership cancellation. I signed up for a XXXX on XXXX and informed them that I will be moving and canceling my membership on XXXX, agreeing to pay for the XXXX sessions on the XXXX date. In the contract it requires a cancelation 30 days prior which was made on XXXX. I was then charged for an additional XXXX ( {$410.00} ) even though I informed XXXX members of my move and cancelation. I have since been charged for XXXX on XXXX and was told they will charge me again for the XXXX session. Totaling {$830.00}. I now have been charged an additional {$63.00}, {$67.00}, and {$78.00} on XXXX. XXXX knew about my cancellation yet somehow decided it will be alright to charge 2 extra month XXXX ( technically 3 ) and I was told that it was my fault and that I should lawyer up. I have a screenshot of my conversation with my trainer agreeing that he spoke with his manager about canceling my membership yet I have been charged anyways. I will dispute this with the bank as well but this needs to be resolved and should not happen to other members.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two records on my credit report for Credit Karma XX/XX/XXXX. I dont know why there are distinct records. This is the way the information presents : 1. Credit Karma Date of request ( s ) : XX/XX/XXXX I did not make this request. 

2. Credit Karma Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Requests unauthorized. I do not have an active account with Credit Karma. The account was breached or a new account with Credit Karma was created with my personal information. I am unable to recover the account. 

I do not comprehend why a credit monitoring service does not have a monitoring mechanism for report abuse. If someone is abusing and attempting to obfuscate the misuse of information, the best way to validate is through credit information. How was this not flagged? Can information be purged to avoid audit trail? Why are there two separate records for the XX/XX/XXXX date and the second record has multiple dates? 

It is physically not possible that I executed these requests. I did not have any computer or internet access on XX/XX/XXXX. I did not make any of the requests. This is identify theft. I can not stop people from abusing my SSN. I should not be forever doomed to have my data breached because anyone with my SSN birth date and address can force their way into my accounts or create accounts using my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do 1 have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely XXXX XXXX
Product: Vehicle loan or lease

This loan is paid off in full and the lender Bridgecrest is refusing to update all 3 credit bureaus to reflect a {$0.00} balance, these actions are hindering my debt to income ratio.
Product: Credit reporting or other personal consumer reports

Fraudulent and unauthorized information persists on my consumer report despite multiple resolution attempts. These inaccurate entries, which I never authorized or consented to, have caused significant stress and XXXX  as a victim of identity theft.
Product: Credit card

I have had an outstanding and unresolved credit card dispute with Citibank since my original claim filing on XX/XX/XXXX in the amount of {$320.00} for concert tickets I purchased on XX/XX/XXXX. The concert event was scheduled for XX/XX/XXXX at the XXXX XXXX in XXXX NY. Upon arrival to the venue at XXXX, I was informed that the artist canceled last minute. We were given a form that the show was canceled and no refunds would be given. This was a XXXX XXXX XXXX for me XXXX way and I also took 2 days off from work to go to this show so my losses are substantial when including the ticket cost. I have contacted the ticket vendor, XXXX XXXX, on multiple occasions to no avail. I also contacted the management group for the XXXX requesting a refund with no responses after several attempts. This prompted me to submit a claim to Citibank on XX/XX/XXXX as I did not receive the services I purchased. I did not hear anything back on my claim until XX/XX/XXXX notifying me that they processed a conditional credit of {$320.00} on XX/XX/XXXX. This credit was retracted by them 3 days later on XX/XX/XXXX and I received a notice in the mail on XX/XX/XXXX notifying me of the declination. I called that same day to voice my concerns, and the case was reopened on XX/XX/XXXX. I have not received a provisional credit while the reopened case is under investigation thus paying interest on this amount since XX/XX/XXXX ( with the exception of the 3 days in XXXX that I had the provisional credit ) and with no resolution or communication. It shows on my mobile app that they contacted the merchant on XX/XX/XXXX and received a response on XX/XX/XXXX with a note " We're reviewing details from the merchant. We received a response from the merchant about this dispute and will get back to you after we complete our investigation. Remember to hold all documentation for 90 days from the date your dispute was opened. '' Today is XX/XX/XXXX and have still have no decision on this claim and the balance is still outstanding accumulating interest. As of today, it has been 148 days since my original claim and 98 days since appealing and reopening the claim on XX/XX/XXXX. I have called and used the mobile chat for updates to no avail. I am requesting your assistance in receiving credit back for my original purchase of {$320.00} and all accrued interest charges. The claim reference ID with Citibank is XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$99.00} XXXX  XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial is in violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they have been notified of their violation and they have not provided me a copy of my written authorization that I gave them or permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested an investigation for my consumer report regarding some fraudulent activity. There are multiple accounts furnished inaccurately and fraudulently on my report. These accounts have never been verified nor have I ever granted anyone permission to report anything about me. I have never entered into a consumer credit transaction with these companies either. 15 USC 1681i Requires an investigation into these matters before you try to send me an automated response I am requesting a manual investigation into these accounts. XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX. I have attempted to contact these data furnishers and request evidence from them as well and no one was able to provide me with a wet ink signature contract with me agreeing to any terms.
Product: Debt collection

I had a medical bill on XX/XX/XXXX from emergency room that I didnt know about and never received anything in the mail. The debt went into collection in XX/XX/XXXX I came to find out about after it went in collection and paid it off approximately by XX/XX/XXXX-XX/XX/XXXX that year. 

The collection company that had the debt was ( Transworld Sys Inc/33 ) Attach you can find my credit report and see page # 3 showing account was closed.
Product: Debt collection

As I stated in my previous complaint, I have no business with this company. I owe and pay  XXXX  monthly and will continue to do so until this debt is paid. I will not  pay Transworld Systems INC. an ything neither will I pay  XXXX  anything more than I owe in my contract with them. The information sent to me via this site is only information this company obtained from  XXXX  not validation I owe this company anything. There is no signed contract between this company and I so I ask that they not contact me any further if they do I 'd like them charged for harrasment of a creditor for a debt that 's being paid. I will provide the m one  more time this information of my business with  XXXX  and they need to leave me alone. It is not legal to harass consumers for paid debts.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Debt collection

In the first week of XXXX it occurred to me to check my credit score and I realized that I had a collection account and that my score dropped drastically. Look at the company and it was A.R.S.I. I called them and they told me that I had a medical bill from XX/XX/2020 for the amount of {$480.00} that had not yet been paid and that they often sent me letters but I never received anything because they sent it to another address I told them that I was willing to pay but to remove that from my credit report but they told me that it was not their fault that I had not received the letters and that they could not change it so I spoke to the doctor 's office I told them what had happened and the misunderstanding to them I explained that I had already paid one bill but that I never knew about this another one becarse I never received it and they apologized and accepted the full payment of the bill and told me that they would send a letter to ARSI I don't know if they did but they keep calling me asking for payment and until then they will remove my collection from the FICO
Product: Consumer Loan

I financed a XXXX XXXX from XXXX XXXX in XXXX, CT between XXXX and XXXX. The car was eventually repossed but I 've still been unable to get my plates and I 'm being charged state taxes on a car I no longer have. The XXXX company I leased from has since gone out of business I 've tried contacting Wells Fargo and they claim to have no knowledge of it.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXXXXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 

2. CollectioXXXX account name : XXXX XXXX  XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX