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

I contact reflex credit card and let them know that I was no longer working and I applied for unemployment. 
Unemployment still never paid me because DMV put my numbers in wrong and I have an appointment on the XXXX day of XXXX to correct my driver 's license. 
I notified reflex credit card and told them I'm still waiting for unemployment and I still didn't receive it then they made an agreement with me to pay {$310.00} on the XXXX day of XXXX for a {$500.00} credit limit card I paid the {$310.00}, they promised to restore my account and to date they still have not restored my online account privilege. 
I want them to stop lying to the customer to get what they want and then they didn't but they didn't answer the phone when XXXX from customer service called them more than 5 times 2 ask why didn't they reinstate My account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and XXXX  and Transunion hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX  and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

XXXX  and Transunion and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 

Also add my former employer on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California94607 XXXX..XXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX  XXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my ADA Disability Act under Department of Justice. 
With Honor and Respect Always!
Product: Debt collection

I have repeatedly asked for a validation of the amount which was reported to all credit agencies, but they keep sending me old statements from different periods from the previous creditor, each contain different amounts, one for {$21.00} and another for {$50.00}. The statements are not validation per se. They claim I owe {$240.00} which I do not believe I owe. I then asked for validation of the amount but all they send me are copies of past statements with different amounts, as stated above, amounts which I do believe I have paid off in the past. They need to prove how they came up with {$240.00} but have not been able to do so.

The collector and all credit agencies only respond to me by stating they have already answered my questions and will not respond anymore. I can not afford a lawyer at this time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX OF XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} WXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} WORLD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a few hard inquiries and a charge off on my XXXX credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.
Product: Credit card

My credit card was used to accrue XXXX dollars worth of payments I did not make. My checking account has a XXXX dollar XXXX XXXX charge I also did not make. I called BOFA many times figuring out what happened, and all of my claims were denied as The chip was used and Not sufficient evidence of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial posted a 30 day late on my credit report for XXXX, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the BMW system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from BMW.
I sent a letter to BMW with confirmation of my email confirmation as well as the debit from my bank. BMW denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. BMW asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked BMW to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed for bankruptcy in 2015, case  number XXXX. XXXX has this on my credit report twice. I have disputed this three times online and attempted to contact them via phone, however after being asked to hold by the rep and left on hold for over 20 minutes, I could no longer hold. How can I get this corrected to where it only shows ONE time? I contacted XXXX XXXX, they advised the public record search only shows the bankruptcy once, not twice as Equifax has reported.
Product: Checking or savings account

Around XXXX pm on Tuesday XX/XX/XXXX I tried to deposit {$1000.00} cash into a Huntington bank ATM on XXXX XXXX and XXXX XXXX in XXXX Michigan. The atm pulled my money in and locked my card into the reader where it would not come out. It didnt deposit the money and an error screen came up. After a few minutes it released my card and the error message disappeared and another message came up saying that no other deposits were unavailable. It wouldnt release my money and there was nothing else I could do. I called the police and made a report and contacted the bank and opened a case, received a case number and was assured that an investigation was going to happen. The bank did not reimburse me or contact me to give any update and I am still out of {$1000.00} totally unavailable to me and I am struggling to make ends meet. It is very upsetting and discouraging. I feel scammed and robbed by this bank. Please help return my money to me.
Product: Debt collection

My husband and myself gotten multiple calls from XXXX this past week. I was told that this is for a debt from XX/XX/2009. I was told that there was mail returned to them from an address that I moved from over 9 years ago. I was told that they have filed charges against me and threatened to sue me for this debt. I asked them about the statue of limitations and was told there is no limitations and they can sue me and put me in jail at any time. I told them I am not claiming ownership of this debt and would contact the CFPB for assistance. The last rep I spoke to was XXXX XXXX XXXX at XXXXXXXX XXXX.
Product: Debt collection

This company calls my family members and threatens a lawsuit. They have threatened to call the IRS. They have threatened to have my bank accounts closed. They continue to call my parents and my siblings and provide personal information. 

Continually calling my mobile phone without permission.
Product: Mortgage

I was denied fair access to credit. I applied to refinance my mortgage. I was attempting to finance my home at a lower interest rate. Green Tree declined my application. The reason for the declination a was 1 ) unable to verify employment and 2 ) insufficient data to determine manual harp eligibility. It is interesting to note that I provided current paystubs and XXXX forms from my employer of 20 years. Access tax returns were also provided. It is curious to note that when I applied to refinance my home with XXXX XXXX XXXX, my employment was verified and I was found eligible to participate in the HARP program. I believe that Green Tree has systematically denied mortgage refinance applications to prevent borrowers from refinancing to lower rates. Please see attached documentation showing the information that I provided to Green Tree and the rejection that I received from them following the application.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

CREDITONEBNK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX leased through Ally Bank. No problems. A month or two ago I checked on the end-lease options on the website to see how much it would cost to buy-out the lease. The cost was approximately {$16000.00}. I debated for awhile if I wanted to buy out the lease, or if I wanted to trade in the vehicle on a new car. Eventually I decided to trade. I worked with XXXX XXXX ( XXXX XXXX ) to purchase a XXXX XXXX XXXX. They valued the XXXX at {$21000.00}, which I thought was great as it meant I would have equity in the new vehicle. Then I found out the payoff they got from Ally was a different amount than the amount I had gotten. The dealer was provided the residual value, which was {$22000.00}. This meant I went into my new car XXXX down, as opposed to with equity. I didn't realize this initially, which is on me. My complaint is that it is an unfair and deceptive practice for a customer to be quoted XXXX payoff amount, and a dealership to be quoted another. This means I now owe a lot more on my new vehicle than I would have if I had simply paid off the XXXX XXXX and then traded it in. I was never informed that taking those steps would save me money by the dealership, then again, they never saw the {$16000.00} that I was quoted, only the higher number. Ally Bank made money off of this deal that they shouldn't have, causing both myself and the dealership a loss of money. Mind you, a car dealership can stand to lose a few XXXX without the same pain as the average costumer. I don't think any financial institution should be allowed to quote different amounts for a customer and the business paying off a loan on behalf of a customer. 
For research purposes, my XXXX is XXXX, and the account number for my loan with Ally was XXXX. Please delete these last lines if posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I mailed a letter requesting investigation about inaccurate accounts listed on my credit report. I never received a response. On XX/XX/XXXX, I mailed another letter requesting the same. Still no response and the inaccurate accounts are still showing on my credit report.
Product: Debt collection

I have 3 on my credit report. I have to closed accounts from XXXX  XXXX XXXX XXXX which I have no knowledge about. I was involved in 17 data breaches as well as Experian finding a social security on my report that didnt belong to me.Another accout is XXXX  XXXX XXXX. Again, I have no knowledge of this account. Please provide physical evidence that shows I owe all of these debts or delete them off my credit report.
Product: Credit card or prepaid card

On XX/XX/2018 while shopping at XXXX XXXX # XXXX in XXXX, Co, someone somehow charged {$270.00} to my Citi Master Card without my knowledge. My card was in my wallet in my pants pocket the whole time that my wife and I were in the store. On the same day my wife charged {$34.00} to her Citi card ( same number ) to pay for our purchases at the same store. When I received our credit card statement I reported the unauthorized charge to Citi and filed a dispute # XXXX. While talking with the City Security Dept. I was advised to submit a police report which I did on XX/XX/2018 Tracking # XXXX, Case # XXXX and a copy sent to Citi. On XX/XX/2018 I received a letter from the police Dept. stating that since the loss was less than {$2000.00} the case would not be investigated and was closed. I sent a copy of the letter to Citi. After further investigation Citi sent me a letter on XX/XX/2018 stating that I was responsible for the charge since their computers show that my card was physically swiped ( it was not! ) Somehow someone figured out a way to charge someone else 's credit card and fool the credit card companies computers into thinking that a card was physically swiped when it actually wasn't. When I called Citi I was given the impression that they thought that I was lying and that I had actually used my card or somehow forgot that I used it.
Product: Checking or savings account

Subject : XXXX XXXX US Bank Regarding Withheld Funds To Whom It May Concern, I am writing to file a formal complaint against US Bank for an ongoing issue concerning withheld funds in my account. My name is XXXX XXXX, and the account in question is with US Bank, account number ending in XXXX. 

On XX/XX/2023, I noticed that an amount of {$2000.00} was put on hold in my account without a clear explanation. Despite my attempts to resolve this matter directly with US Bank, the funds have not been released, causing me significant financial inconvenience. 

I have been a customer with US Bank for years, and this unexpected hold on my funds has not only disrupted my financial planning but also caused undue stress and hardship. I have contacted US Bank customer service multiple times since the incident, seeking clarification and a resolution. However, their response has been unsatisfactory, and the issue remains unresolved. 

I am requesting the CFPB 's assistance in this matter to : Request the bank give my money back because it belongs to me Facilitate the prompt release of my funds. 
Ensure such incidents do not recur, providing a clear explanation to prevent future misunderstandings. 

Please request the US Bank and any transaction details that might assist in your investigation. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

XXXX XXXX
Product: Checking or savings account

Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.
Product: Credit reporting, credit repair services, 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 confidentialty under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A. Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 XXXX XXXX 

15 USC 1681S-2 ( A ) ( 1 ) : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Student loan

Nelnet has had my SAVE application for months. It has not processed. I have not been updated on anything. I needed the application to go through in order to get an updated mortgage letter from Nelnet in order to close on a house. After six weeks of waiting, the sellers walked and my financing was denied. I cant buy a house until Nelnet approves my application, which I submitted over two months ago. This has placed great strain on my living situation.