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

I have bought a Real Solid XXXX XXXX chain from XXXX on XX/XX/2022 and I received the chain on XX/XX/2022 and I tested the chain with a Gold tester and the acid test but the chain tested as XXXX gold plated so the chain is NOT real solid XXXX gold, the chain that XXXX XXXXXXXX XXXXy sold to me is gold plated with XXXX gold and its not solid XXXX gold so XXXXXXXX XXXX XXXX scammed me and sold me a fake gold chain for XXXX. So I disputed the charge with affirm since I paid the seller with affirm. I sent affirm company all the documents to open a dispute for the charge of XXXX dollars to XXXX XXXXXXXX XXXX  but affirm did NOT RESPOND to my dispute and closed it without doing any investigation. This is illegal for affirm just to close a disputed charge that I opened without doing any investigation. Affirm needs to investigate my dispute because XXXX XXXX XXXX sold me something different from what I ordered and sold me a fake gold plated XXXX gold chain as if it was solid real XXXX gold chain and that is fraud. Affirm needs to be investigated for not resolving my dispute and just closing the dispute with investigation and without letting me know. The chain I received from XXXX XXXX XXXX  is FAKE and it is NOT REAL GOLD XXXX so affirm needs to refund me all my money that I paid for XXXX dollars. I want higher management at affirm.com to be involved because it seems nobody at affirm wants to do their job and they just close my dispute for no reason instead of investigating the dispute charge that I o-need
Product: Credit reporting, credit repair services, or other personal consumer reports

cra hippa violation enclosed all the information inaccurate information being reported
Product: Credit reporting or other personal consumer reports

Two women were apprehended that stolen multiple people identities and I was one them. I saw fraud information and reported it immediately. Now I'm waiting on the company to remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them on XXXX XXXX, XXXX and XXXXXXXX XXXX  to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, XXXX and TransUnion and all 3 credit reporting agencies have failed to provide me with the proper documents. 

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
Product: Credit card or prepaid card

XXXX XXXX XXXX initiated a suit in DC Superior Court in 2019 for default on a line of credit for their client Bank of America. 
There has never been any documents provided before by Bank of America or XXXX on this account. It is a fraudulent charge with debt collections initiated without any notice on the amount defaulted by either the bank of XXXX. Prior to the suit in DC, there has been no statements, emails or calls on this amount. 
Furthermore Bank of America closed a personal account without any information and provided a wire transfer of {$800.00} within the same time frame. 

Both actions severely impacted credit and ability to get employment. The bank has never acknowledged any emails or calls on these two actions nor has there been any further communication out of Court with either XXXX or the executive office of the Bank who has been provided this information through the DC Attorney Generals office.
Product: Checking or savings account

I noticed on XX/XX/2024 that my Citibank checking and savings accounts were inexplicably and suddenly closed by the bank, causing some recurring ACH transfers to fail. I logged in to my Citi account online and saw that there was a letter addressed to me on XX/XX/XXXX stating that my account was due to be closed, and the " decision was made following the results of a review of bank information and records. '' There is otherwise no substantial reason given for the closure. I immediately tried to call the customer support number on my debit card but I was unable to get through to a human agent. I then went to my local Citibank branch office, but the staff there expressed puzzlement about what happened and were unable to help me or give me any explanations for the decision. I then called Citi 's Executive Response Unit and talked to an agent, they claimed that the decision was made by the Know Your Customer department at Citi and gave me a number to call. I called the provided number and got through to a second agent, who then told me that they were not responsible for the decision and claimed it is the branch office that conducted the account closure. But I have already been to the branch office, and they had no idea what happened! 

This is a nightmare. I am locked out of access to XXXX of dollars that I need to pay my bills, and I am not given any information on when I should expect to be paid back my balance amount from Citi. No one at Citi seems to take responsibility or can give me a reasonable explanation for why this is happening and what recourse options I have. I have been banking with Citi for almost XXXX  years and it is absolutely unacceptable that this is how they treat their most loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.
Product: Checking or savings account

XXXX XXXX on XXXX XXXX XXXX. Buyer said she was out of town but really wanted the bike. Told her I would hold it until she could ride to be sure she liked the git, it is a XXXX bike. She said she would pay through Zelle. I hardly use it so I got an email that said I had to put in {$500.00} to be come a business account to accept the {$1600.00} since the amount was high. So I did. Then It came back and said I needed another XXXX and I was very skeptical and she said her friend XXXX just went through this with her bike. I did know XXXX that just got a new bike, not sure how she bought it and well she guessed the right name so I did it. So I paid out XXXX and they were suppose to credit my account XXXX The XXXX for the bike and y XXXX i put up to become a business account Then I got another email saying to go to a bitcon ATM to deposit another XXXX I knew it was a scam. XXXX will not give me my money back bc I checked on Zelle that it was not a scam.
Product: Debt collection

On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by First Federal Credit Control by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, First Federal Credit Control is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Pressure to purchase more service and repeated phone calls on payment that are not late, paperwork is added for services. Application in progress that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am renting an apt . in XXXX, NC XX/XX/XXXX and was trying to set up my XXXX XXXX Acct for electric but received a letter that they could not approve my service because there was a security freeze on Equifax and that is the only credit reporting service they use. I called Equifax to lift the freeze and was asked at least 10 questions including giving them all my personal information as well as credit card balances which of course I had to look up on line. The final shock was they wanted to know what date I set up the security freeze which I had no idea. I have had my credit frozen for years and lifted it any time I needed to. I know I placed a freeze with Equifax before their hack, as that was how my personal info. was compromised. I had no way to find out the date and Equifax refused to lift my security freeze thus I am unable to rent the apartment. This must be illegal and will cost me dearly financially.
Product: Credit reporting or other personal consumer reports

Equifax has violating Federal laws concerning the use of private information. Equifax is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Equifax to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If Equifax isn't able to provide said items negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 



Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
Equifax is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

Equifax you have 3 days to remove negative unverified information EQUIFAX XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be discarded from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit reporting agency , block information appearing on my consumer 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 Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent derogatory accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Mortgage

XX/XX/XXXX Dear Bank of America , Bank of America has sent Form 1098 as the Mortgage Interest Statement for XXXX that says I have an outstanding mortgage principal of {$110000.00} yet when I ask for the pay off on this loan you as of XX/XX/XXXX, under Annual Disclosure Notice to Mortgage, the pay off balance is {$170000.00} which is {$56000.00} more than what you are claiming to the Internal Revenue Service on Form 1098. As a reminder, I entered a contract with you for a house in the securities amount for approximately {$160000.00} in XXXX and now the NOTE shows it is more than it was XXXX ( XXXX ) years ago. Explain the discrepancies. 
I have the following request from you as the bank representative and from the bank : Disclose to me how you came up with me having a second mortgage. 
Show me how the transaction was made. 
How did you come up with those figures and why the payoff to the mortgage is more than {$56000.00}? 
I want to see the pre-approval paperwork for this 2nd mortgage loan Provide the copies for loan application for the 2nd mortgage, appraisal papers as well as the award letter. 
How was the verification of my employment done? 
What income were your provided for this 2nd mortgage? 
What was my credit score at the time of this 2nd mortgage? 
Who was the underwriter for this 2nd mortgage? 
Also, submit documents to me pertaining to the person who serviced this loan. 
Provide me with the attorneys information on the signage of the 2nd mortgage. This request and/or demand is for the 2nd mortgage especially since I did not sign for the 2nd mortgage. 
Make a comment and comparison of the signature from my first and only mortgage to that of the one you now have for the 2nd mortgage. They are not the same. 


( address removed for posting to CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  report isnt updating my XXXX  XXXX account. Original acct number is XXXX. MCM acct number XXXX. On XX/XX/2019 I made payment of XXXX. XXXX a settlement. I have tried to dispute this also the dispute number isXXXX If you could please mark this current take out derogatory comment. Please dont close I read closed account can have negative impact on credit reporting
Product: Credit card or prepaid card

We received a XXXX  Vanilla Visa Prepaid debit card for our wedding on XX/XX/2022. One week later, on XX/XX/2022, the full XXXX had been emptied at a XXXX XXXX. We just noticed today that the card was empty, as it has been sitting in a drawer since our wedding and we have not made any purchases with it. Customer service at Vanilla was not helpful. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have had my account restricted on Robinhood app since XX/XX/XXXX and have made numerous calls/emails to Robinhood to now speaking to a XXXX agent and never the same one about when will the restriction on my account will be lifted because I have submitted their documents required eversince XXXX and Everytime I speak to a different agent I never get a resolution up to now. They're preventing me from withdrawing my cash in the account due to this restriction which has dramatically affected my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

First noticed an issue when i was denied a loan. So I filed a complaint XXXX about an issue with Equifax. They have my name spelled incorrectly. They also have my my birthdate incorrect. The outcome of my complaint was that I send them a copy of drivers license and social security card. I mailed this information to them directly after the complaint was closed. I called Equifax last week and spoke to them and they said they did not receive it. I was informed I could fax that information in and it may be quicker. I faxed the drivers license and social security card last week to them and got confirmation on the fax machine it did send. I spoke with Equifax today and they said they had not received that information in the mail or on fax. Im getting the run around with no answers from them. I did as they asked and have sent the information 2 times. They have my name as XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported that I did not pay my payment in XX/XX/XXXX. Which I have proof that I did. It also states that it was part of my bankruptcy which it was not. I have been paying on the car. Lease is up in XX/XX/XXXX. Now the company states that I did not pay XX/XX/XXXX bill. Which I did and have proof that I did. They put a negative payment on my credit report. Reported this to company and credit report but it is not getting resolved.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

EXPERIAN STATED THAT THEY WERE STILL REVIEWING THE INFORMATION, XXXX XXXX INFORMED ME THAT THEY HAVE REMOVED THE BANKRUPTCY AND HAS SENT THE INFORMATION TO EXPERIAN TO HAVE IT REMOVED. 
EXPERIAN IS STALLING WHEN DOING WHAT THEY ARE SUPPOSE TO DO.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

{ XXXX XXXX XXXXXXXX XXXX {$1800.00} } { XXXXXXXX XXXX  {$2300.00} } { XXXX XXXX {$3300.00} } { XXXX XXXX XXXX  {$10000.00} } Please block this information from my credit report within XXXXXXXX XXXX XXXX pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a 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. transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXXThis 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 Transunion more than 21 times. transunion 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

XXXX and Professional Placement collector agency are reporting a wrong amount due in a account that they buy from XXXX  XXXX, several weeks I been try to make XXXX to remove the collection from my credit due to inaccuracy but what they do instead is contact the agency ask for the update balance and knowing that the collector is not reporting my payments and the amount that they have is not correct, XXXX  solve to keep damaging my credit and do not removed the inaccuracy account as I been asking. 
I file the same despute with the other credit agencies and they solve to remove the account. I call the collector but they want the total amount they give me hard time accepting the partial payment, I need that account out of my credit because is illegal.