23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported this wrong address on my account for years.I keep sending my Driver license Social Security card in my car registration to have this matter updated and the XXXX XXXX XXXX XXXX XXXX address removed and my address on my license added this been a on going battle.
Product: Checking or savings account

On XXXX XXXX, XXXX a hacker used my google pay wallet to acces my debit card and made a series of purchases at XXXX XXXX XXXX XXXX, totaling {$230.00}. I filed a fraud claim with Chase bank and was issued a temporary refund. Fast forward to XXXX XXXX, XXXX, everything was reversed due to XXXX verifying my information to be true and authorized. I was made aware that because i filed fraud instead of dispute, i could no llonger appeal the decision based on VISA regulations. The following transactions were not made by me as they were purchases for a state i dont live in and provided proof that i did not travel near the destination the fraud was commited. XXXX refunded the theives in the form of a physical gift card and not back to the original account. Chase refused to offer any extended help or investigation which has lead me to lose my money.
Product: Credit card or prepaid card

My card was used at a grocery store for XXXX dollars and then I filed a dispute and was told I could have provisional money in 10 bisness days sent the email to them but the lady gave me the wrong email address since she couldn't half speak English. So now they are telling me I have to wait the full 20 business days to get the money back and I need my money now but it's ok I will be homeless before then because they will not give me my money that is owed to us.
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 confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX Amount {$6300.00} Account name : XXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

i lost my credit card overseas i reported to citibank as the card was lost someone used my card when i report to citibank i have very bad communication with customer service i missed to report one charge for XXXX they denied my case for that charge i miss reported i have been in contact with them more then 30 times plus i send them letter explain what happened i'm not getting anything from them please i need your help with this matter
Product: Mortgage

On XXXX XXXX, XXXX I took a mortgage loan with XXXX XXXX XXXX. In XXXX, the loan was transferred a company called, Green Tree Servicing, my payments increased dramatically after that, which is the reason I was unable to keep making payments. On XXXX XXXX, XXXX the bank, Green Tree, started a foreclosure action against my home. I tried to make arrangements by doing loan modifications ; only for being denied with no explanation or different explanations every time. The loan modification process with the bank was difficult because the bank would asked for more documentation or because it tansferred to another bank or the account number changed or the representative in charged of the file changed. It was always a different reason to successfully slow down the loan modification process. The bank, whichever company is, has not review my file properly for a loan modification. The bank has neglected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information on my credit report is invalid I am disputing all incorrect information on my credit file with Transunion to correct my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed all charges on my report due to incorrect information on the report. There are numerous accounts that have invalid information that I pointed out to the credit bureaus. Yet they have not removed or correct the information. Also I have reported that I was a part of the data breach with XXXX in wanted items removed. I was also a part of the XXXX  data breach as well as the XXXX  XXXX data breach.
Product: Mortgage

I was told directly by my bank FIRST HORIZON on XX/XX/XXXX that my rate for next year would stay the same by one of their representatives. I told them I was in the process of refinancing with another bank ( as this bank doesn't do refi ). 

I then received a letter dated XX/XX/XXXX that my rate would go up 1 %. 

That is misleading me in order to keep my business and even if it was an honest mistake, it was FIRST HORIZON 's mistake. Not mine.

I have submitted this before and they replied WITHOUT DISCUSSING the XX/XX/XXXX call ... which is my only complaint. See attached letter. It is more dishonesty!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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
Product: Credit card

On  XXXX   5  transactions were made on my credit card that I did not authorize through  XX/XX/XXXX  ( using  XXXX   XXXX . I contacted  XXXX  on  XXXX  as soon as I noticed the transactions and they filed a report and told me to contact my credit card company to get my money back. I did so immediately and my credit card refunded my card. After this had happened, I received  4 of the 5 playstations that were ordered through the hacked account and left them in the box and waited for someone to tell me what to do with them. No one had told me anything to do so I waited. I called Chase after I noticed that I got a letter saying I recei ved a benefit from them at the beginning of  XXXX  and asked why the charges are back on my account. They said it was not fraud as I received benefits from the charges, and that they are not responsible for the charges. I proceeded to fight this decisions and also called  XXXX  who said since it 's past their 30 day money back guarantee there is nothing they can do about it and that this is the responsibility of my credit card company to provide a refund as the charges are fraud. They also noted that they have the report on file of me calling on  XXXX  reporting the fraud charges. I have no problem sending these items back ( as long as I do not have to pay for anything ) or doing anything they ask me to do with these items, but I had informed them immediately that these charges were fraud and no one told me what to do with the items. I think it 's their responsibility to deny these charges when they happened when I called or notice that over {$1500.00} over  XXXX  transactions in the same day all from  XXXX  charges were fraud.
Product: Credit card or prepaid card

Contacted Bank of America on XX/XX/XXXX after receiving email about unusual activity on my credit card for amount of {$99.00} XXXX XXXXBank of America puts fraud despute on wrong transaction ( XX/XX/XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$10.00} ) .Called back 4 times, was on hold 30-45 minutes every time, fraud specialists told me that they will take care of mistake and credit my account until investigation is over.Bank Of America closed case without explanation or contacting me and I have to pay {$99.00}. 
Transaction Details Merchant Name XXXX XXXX Amount {$99.00} Posted Date XX/XX/XXXX Transaction Date XX/XX/XXXX Ref # XXXX We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 

Do you recognize all of these transaction ( s )? 

Declined transaction at XXXX XXXX for {$1.00} on XX/XX/XXXX Approved transaction at XXXX XXXX for {$99.00} on XX/XX/XXXX Approved transaction at XXXX XXXX for {$1.00} on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is XXXX  XXXX inquiries on my report transunion and eqfiax that not mine please help me to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00}.
Product: Debt collection

Called by very rude debt collection company, XXXX XXXX and associates. They refused to listen and kept making threats against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had XXXX American Express prepaid cards, Bluebird # XXXX {$77.00} and XXXX # XXXX {$66.00}. I had my paycheck direct deposited into my XXXX  account. I called American Express and they claimed they would send me a check in to mail and its been over a month already. They essentially closed both my accounts for violating terms of conditions, for simply entering my pin incorrectly at the ATM to withdrawn money from both accounts since I no longer used both the accounts. My funds were illegally taken by American Express in violation of Federal Banking Laws and they must be returned. 


Emails from American Express XXXX, XXXX XXXX, During our recent review of your Bluebird  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Hi, XXXX XXXX, Your Bluebird  balance is currently {$77.00}. As a reminder, you scheduled this regular balance update in your settings. 

Want to change or cancel this balance alert? You can do that here. 

Questions or want to learn more about Bluebird? Visit us at Bluebird.com/faqs. 

Thanks, The Bluebird Team
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account ( XXXX XXXX XXXX XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that ( XXXX XXXX XXXX XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from XXXX late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a credit card account. as an employee I used the credit card in the nominal process of my employment. The card used exclusively for company business. 
The card holder was an LLC that is out of business. 
The lender has put derogatory credit information on my credit report. I made contact with the bank. It seems like no one understands the point I'm making. I revive a chorus of I'm sorry without any progress.
Product: Debt or credit management

Ive been going back and forth with this company for months, maybe even years. They give me all these reminders to pay my bill, their app/website gives me error messages, I cant make payments, and they report me as being late/delinquent. They ask to verify personal information and do not reply for days/weeks/months to absolve the issue, thus making the payments late. I cant reach anyone, and then when I prompt an investigation, theyll magically reach out and then ghost me. They assign automated reminders to pay, but theres no way of paying. They have ruined my credit score, and outsource people who do not speak English to answer calls, IF you can get them on the phone. There are multiple reviews in the XXXX XXXX about them doing the same thing to MULTIPLE people. 

I have multiple emails from them, investigative bureaus, and calls that tried to bribe me to stop the investigation, then they will remove late payments, due to their mistakes, and continue to inaccurately report to my credit. The bribe from XXXX XXXX who's pictured in the emails ) stating " if I call off my investigation into the company because they get penalized for such complaints, then they will accurately take off my late payments because it was no fault of my own '' and they ADMITTED that it was no fault of mine, I've had multiple attempts to rectify, and they are aware of the glitches they have had.
Product: Credit card or prepaid card

On XX/XX/XXXX, a Balance Transfer was initiated on my Citi ThankYou Preferred Credit Card account ending in XXXX. The total amount was {$2500.00}. I never completed a balance transfer and this is a fraudulent charge. 

I called Citi on XX/XX/XXXX and have been unable to receive a response back on this. They opened a new Citi ThankYou Preferred Credit Card ending in XXXX and this card has the exact same fraudulent bank transfer transaction on it. The online Citi application does not allow me to report this charge as fraudulent. 

The balance transfer is to an account ending in XXXX but I do not have an account that ends in these numbers. 

I have been given the number XXXX to call Citi. I have called on XX/XX/XXXX and XX/XX/XXXX and have been unable to talk to an associate about this fraudulent bank transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX of 2022 since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX BANK : XX/XX/2022 XXXX XXXX BANK : XX/XX/2022 XXXX XXXX XXXX  : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX BANK XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX SERVICES : XX/XX/2022 XXXX - XXXX SERVICES : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, 2022 XXXX - XXXX SERVICES : XXXX XXXX, 2022 XXXX : XX/XX/2022 XXXX 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 an account without my hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX
Product: Consumer Loan

Due to a system upgrade, according to the company, my monthly statement has not been accurate since XXXX. I have called every month due to my statement showing a past due amount even though I pay more than the payment amount every month. Every month I am told a new story ; from system issues due to the upgrade, to it has been corrected but your account must have slipped through the crack, to I have opened a ticket to have your account corrected, to this month it is still not accurate due to their system issues have not been resolved. I have had my car for 9 months and my statements have been inaccurate for 5 months. I am only able to access 3 months of statements from my online account. Every time I call, I am told that the amount I am paying monthly is correct and to disregard the past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate my rights by ruining my reputation Title 15 as they continue to report fraud against my employer, Are your employers allowed to give negative feedback to your potential employers? I have furnished a copy of my Warranty Deed which clearly states all parties of interest, Also which clearly doesn't bear my signature making this an OFFER filed in the XXXX XXXX XXXX XXXX, A Promissory Note does not constitute a loan. A mortgage is the agreement that pledge my property as collateral for the loan. I haven't been notified of Acceptance by the seller so I hold an OFFER which is recorded in the XXXX XXXX XXXX XXXX. A LOAN means debt evidence by Promissory Note plus interest, I am yet to identify what XXXX XXXX XXXX Mortgage loaned me, Please provide cash advance money loan documentation which shows I received a loan from XXXX XXXX XXXX Mortgage that you continue to fraudulently ruin my reputation with. Violations 18 USC 3571, Slavery ( Forced Compliance to contract not held ) 18 USC 241 Conspiracy, 18 USC 1001 Fraud, Falsification of documents, Identity Theft. Truth in lending Act protect us against inaccurate and unfair credit billing and credit card practices. In closing I never received THE PURCHASE MONEY LOAN ( CASH ADVANCE ) That warranted a finance charge please show me the proof where XXXX XXXX XXXX Mortgage or any other corporation gave me a PURCHASE MONEY LOAN ( CASH ADVANCE ) to purchase my home this is FRAUD.