23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In 2005 I obtained a Citibank Costco credit card. I was approached by an employee at the store and was urged to sign up for the Business card. I explained that I was a free-lance writer with income that varied year to year, but that I was married and my husband and I had income from several other sources. The employee nonetheless urged me to get the Business card, rather than an individual card, and a secondary card was issued to my husband. 
Since then, I estimate I have made purchases totalling well over a XXXX dollars and faithfully paid off the monthly balance. My credit score is in the mid XXXX. 
In late XXXX, in advance of a long trip to XXXX, I attempted to and was able to raise my credit limit to {$25000.00}. I was notified by email within 24 hours of my request that it had been approved. My husband and I both notified Citi by phone that we were traveling to XXXX and would be using our cards there, to avoid triggering security concerns.I received no other communication from Citi and flew to XXXX with my husband for a XXXX trip. 
On our arrival, my Citi card was declined. Upon calling, we learned that Citi had closed my account without my knowledge and with no communication. When we called, we were told that it was closed because I had told the person approving the credit increase limit that the " business '' was closed. I believe I told him I had no income from writing last year, but gave another substantial sum that is my family 's annual income. The person must have misconstrued my answer, because in fact, I will continue to earn income in the future as a writer. When we called to find out why the card was declined, we were told that Citi had notified us by mail the reasons for the closure, despite the fact that they had my email address and phone number and knew that we were not at our XXXX home, but traveling in XXXX. I spent several frustrating days calling Citi and being told I would hear from someone, and finally received a stock email refusing to reopen the account. Upon our return, I found a letter from Citi claiming that they had reached out to me for more information about the business, which is a total falsehood. When I inquired about what would happen to the approximately {$1500.00} in cash-back rewards I had earned this year, I was told they would be " forfeited '' because the account was closed.
Product: Credit card or prepaid card

Consumer Financial Protection Subject : Summary of Discover Banks Violation of Equal Opportunity, Partiality, and Malicious Compliance of Extension of Credit Dear Sir/Madam , I am writing to provide a summary of the concerning conduct by Discover Bank that has raised serious questions regarding equal opportunity, partiality, and malicious compliance of extension of credit. I believe that Discover Bank has engaged in practices that infringe upon the rights of consumers and violate the principles of fair lending. I am seeking your assistance in addressing these issues and ensuring a just resolution. I have sent letters and even spoke with them over phone calls and it complicit bias, with no concrete reasoning to their decisions. 

The following summarizes the concerns I have regarding Discover Banks conduct : 1. Violation of Equal Opportunity : It has come to my attention that Discover Bank may have violated equal opportunity regulations, which ensure that consumers are treated fairly and without discrimination based on their race, gender, ethnicity, or other protected characteristics. I believe that Discover Banks lending practices have displayed bias or unequal treatment towards certain individuals or groups, thereby denying them equal access to credit opportunities.

2. Partiality : Discover Bank has shown indications of partiality in its extension of credit. There are concerns that decisions related to granting credit or establishing credit limits may have been influenced by factors outside of objective criteria, such as personal preferences or biases. This partiality undermines the principles of fair lending and equal opportunity.

3. Malicious Compliance of Extension of Credit : I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters. It is crucial to determine if Discover Banks actions have indeed violated equal opportunity regulations, displayed partiality, or engaged in malicious compliance of extension of credit. I believe that the following actions should be considered as part of the investigation : Evaluation of Discover Banks lending practices, including reviewing loan applications, credit decisions, and credit limit determinations. 
Analysis of data and metrics to identify any patterns or discrepancies that indicate potential bias or partiality in lending practices. 
Assessment of Discover Banks compliance with fair lending laws and regulations, particularly those related to equal opportunity and responsible lending. 

I appreciate your attention to this matter and request that appropriate actions be taken to rectify the situation. If any further information or documentation is required, please do not hesitate to contact me. 

Thank you for your time and assistance in addressing these concerns. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and ensuring fair lending practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sometime this year between XXXX and XXXX Equifax changed my two oldest credit card accounts to a closed status and reported that they were included and XXXX in XXXX back in XXXX. The accounts in question are my XXXX XXXX and my TD Bank XXXX. They then deleted all recent account history and payment history as well as current credit limits for these accounts dating back to XXXX. 

I submitted a dispute online in XX/XX/XXXX and the dispute later came back as closed, but did not update the account status for each of these accounts back to open status nor did they update reporting any of my recent account or payment activity. I then contacted Equifax and spoke with a representative who advised these accounts have in fact been closed since XXXX and no reporting has been done on these accounts to Equifax since XXXX. 

I explained that i can pull my Equifax reports from XXXX and backwards and see both accounts still reporting correctly with account and payment history showing correctly and I was advised that wasn't true the accounts are closed and no history has been reported to Equifax since XXXX. I advised that this was not the case as i clearly explained in both my dispute and to the agent before being transferred. 

I was then transferred to their Bankruptcy department where i spoke with a second representative. She advised that a re-investigation was in process and should be completed by XX/XX/XXXX. I asked her to please document that both of these institutions have advised that these accounts have never been closed and are in fact still open and in good standing and active as reported on my other reports correctly ; and that they are in fact reporting the correct information to Equifax each month and she advised she would. 

These issues still remain unresolved with comments still showing a re-investigation is in process despite the dispute remaining closed and all recent account activity and payment history not showing on my Equifax report correctly. These accounts are still open and in good standing but Equifax does not show this on my recent credit reports with them.
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, so seeing these errors come up out of nowhere was completely unexpected. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies were still there. Because of this, Im requesting that the documents Ive sent be reviewed thoroughly so I can finally have peace of mind.
Product: Checking or savings account

I received an email from Chime at " XXXX '' on XX/XX/2021 stating " Your Chime Visa Debit Card has been shipped to you. A bright green envelope should arrive in about a week. '' followed by a physical mailing address I have never been associatedwith. Tried to call Chime 's customer service at XXXX but could not get a live person. I then sent an email to their support stating that this is a fraudulentaccount and I never authorized opening it. Went through 2 or 3 form letters from the support team asking if I'm sure I never had a Chime account. Had to tell them multiple times that I have never heard of Chime before. The support team then replied that I will need to send a picture of my government ID and SSN card for them to close the account. This is absurd and unsafe for multiple reasons, a ) email not being a secure enough platform for this kind of communication, b ) I have not initiated a relationship with this banking institution and the onus is on them to make sure their accounts are valid, and c ) they clearlydid not take this deal of care or require this identityproof when they let a scammer open a fraudulent account with my information. I have asked to be connected with their fraud dept repeatedly but they refused to do so. At this point, on XX/XX/XXXX, they said they " blocked the account which will prevent the account from being accessed by an unauthorized party in the future. '' I asked for the account to be closed, again, as any user is " unauthorized '' since I never opened this account. I followed up on XX/XX/2021 and XX/XX/2021 but have not received an answer. 
On XX/XX/XXXX I received an email saying that the email address on my Chime account has been changed. I then received a text stating the same. I then again contacted the support, stating this is a fraudulent account and needs to be closed. Again, I went through 2-3 form letters asking if I ever had a Chime account. Then again, they asked for me to " verify my identity '' with a picture of my ID and SSN card and told they can not assist me if I don't send those documents. 
On XX/XX/2021 I was able to call their main line and actually get through to a live person. After repeating the same information, his " solution '' was for me to contact support via email, although I told him many many times I have done that already to no avail. He did not offer any other resolution. I explicitly told him there is a physical debit card going to an address that I have no association with, to which he said " well they'll need to deposit funds into it to use it. '' The irony that I had to explain data integrity to a representative of a banking institutionis not lost on me. 
At this point, there is a fraudulent account that Chime refused to close under my name. There is also a debit card that was sent to an address I have never resided in. Their stance remains that I have to provide them with copies of my ID and SSN card because " thisis done to prevent unauthorized third parties from being able to close legitimate members accounts '' although they did not do their due diligence in preventing an unauthorized party from opening an account under my name.
Product: Debt collection

This debt for XXXX XXXX XXXX not owed. Paid in full. company alleged that I had not paid the bill and I did in fact pay them no balance due
Product: Credit card

XX/XX/XXXX : My application for a BILT ( Wells Fargo ) credit card was approved and card was shipped. 
I did not receive the card. It was presumably stolen from the mail. 

XX/XX/XXXX : I receive a call from wells fargo about suspected fraud on my card. ( Call went to voicemail ). I logged in and checked that there were indeed transactions on the card that I never received. 
I call Wells Fargo on the helpline number and report that I never received the card and all transactions on the card are unauthorized. The card was cancelled and a new one was shipped. 
Note : Wells Fargo had shipped an activated credit card that was ready to use without ever confirming receipt. I also had no way of de-activating the card online. 

XX/XX/XXXX : I receive the new card and notice that there have also been unauthorized " phone payments '' on the old card. ( total balance was negative showing credit ). I call Wells Fargo and explain once again that all transactions, including payments on the stolen card are invalid. I report two " phone payments '' that I did not make for {$500.00} and {$1000.00}. 

XX/XX/XXXX : I start using the new card after seeing all fraudulent transactions have been reversed and the card account shows no balance. 
For some reason, the payments appear twice - paid, reversed, paid again and reversed again. But the net results cancel out. 

XX/XX/XXXX : One of the fraudulent payment appears on my card as " returned payment '' and my account has a balance of {$500.00}. I call Wells Fargo, and they say that the payment " was returned to the sending account '' and " can not be reversed ''. They open a second fraud investigation case. 

XX/XX/XXXX : The second {$1000.00} payment also shows up as " returned payment '' with my account showing a net balance of {$1500.00}. This is also dated XX/XX/XXXX, but it appeared only on XX/XX/XXXX. I call and report this transaction to Wells Fargo as well. 

Wells Fargo have been unable to resolve the dispute after 15 days, nor are they able to share any details about how they authorized the payments in the first place, where the " reversed '' payments went nor how a " reversed payment '' becomes a charge.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX  XXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX XXXXXXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXXXXXX XXXX XXXX XXXXXXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX XXXX XXXX XXXX Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX XXXX date opened XX/XX/year> for Experian, and no date opened reported for XXXX .
Product: Debt collection

In 2022 I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. I was really confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. I requested numerous times for XXXX to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. Each time I received a call I would advise COX that I had already cancelled my services and had paid the final bill and did not know why they were charging me additional fees. Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. Unfortunately, within the last couple of days a XXXX XXXX collection agency has appeared on my credit report. My XXXX XXXX was an XXXX last month and now my score has dropped by over XXXX points! I called the collection agency immediately and they assured me that paying the debt would be the best thing for my credit and that they would request for XXXX to remove the account from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.
Product: Credit card

I applied for and received a XXXX XXXX CHASE card recently. Yesterday I opened the envelope that held my new card. I then called to activate it and was told that someone made a charge on my card a couple of weeks ago. They told me that they would cancel the card I was holding and send a new card with a new number. I am appalled! How can someone find my credit card information before I 've even opened the envelope and activated the card? This is obviously an issue with XXXX XXXX CHASE. My information leaked out on their end and I am afraid to do business with them. How is it possible that my card was hacked before I even opened, activated or used the card?
Product: Checking or savings account

I was given a check from my father ( who has the same last name as me and has deposited money into my account on multiple occasions, usually at amounts between $ XXXX {$2000.00} ). The check amount was for {$12000.00}. It was printed and issued by his bank. I deposited the check on XX/XX/XXXX ( Saturday ). At the time of the deposit, I was given a receipt stating that the funds would not be available until XX/XX/XXXX. I deposited the check in person at a branch. On Monday, XX/XX/XXXX, I received word from my father that the check had cleared from his account and I should have the funds soon. The funds were needed to make a down payment on Saturday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called Chase bank to ask about the funds. I confirmed that I knew the writer of the check and had a personal relationship with him. I also informed the agent I spoke with that my father had confirmed the check had cleared his account in the beginning of the week. The agent proceeded to tell me that even though I have a consistent pattern of receiving large deposits from my father, they could not clear the check because they could not confirm that he had the money. He said they had called my fathers bank but could not get confirmation from them. He asked me to give him the direct contact information for the teller my father works with, which I did not know. I had the number for the branch he frequents but he wouldnt take that. He then told me there was nothing I could do, I would just have to wait the 7 business days ( which is somehow 13 total days from the initial deposit ). I even explained that the funds were needed for something and that I had just deposited a check a week prior that was from my father and in the same format and it had cleared right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are racially motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 

This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Product: Checking or savings account

I have capital one checking. They advertise early paychecks which I have been getting on Thursdays every week. They had some technical issue. Today is Friday my actual payday and it's the end of the business day and I still have not received my funds. My employer sent out payroll Wednesday and I even have a pay stub showing it was deposited to capital one. Still no money. I am negative and can't pay rent or feed my kids. I may be homeless soon.