23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I recently pulled my credit report on XXXX/XXXX/XXXX because my mortgage lenders told me there was a couple of negative items. Looks like the Barclays Bank and Fifth Third bank are reporting late payments on XXXX XXXX for XXXX and XXXX XXXX for fifth third bank. I submit a request for a goodwill adjustment to remove nagative payments from my reporting. However after making my submission, I received my results back from the dispute, and now the report is looking even more negative which in not correct. The report now is showing XXXX, XXXX, XXXX of XXXX and XXXX XXXX as late payments for fifth third bank. That information is not correct and affecting me greatly. Please review again. I am currently in the progress in buying a home. I ask again please correct my report as it showed on XXXX/XXXX/XXXX and if you may consider to removing the negative reporting of my XXXX XXXX XXXX payment and fifth third bank Payments please. At time of the late payment, I dealing with a number of things, my son got sick and my partner lost his job. I been a great consumer and always make payments, if you continue to review my report I am never late on any other creditors. The attachment I included shows my original reports. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified experian, XXXX, and XXXX the error
Product: Mortgage

I been giving out my social my whole life and now apon discovery I might have any rights because of my data is everywhere. I fear for my life and my family and I'm terrified of the same laws that suppose to protect me. 

Do the color of law, American dream apply to me and my family? Do the CRA of XXXX apply to me? Or maybe the XXXX Act of my own XXXX birthday XXXX???? 

Where's the Declaration of independence I need to sign the dotted line where the insanity cease and desist on what ever. 

Who Evers reading this where Is the opt out button. XXXX, XXXX, XXXX, XXXX the XXXX XXXX Police department for violating all my rights and every last XXXX of my family.. 

Paid off my mortgage come to find out Its been paided off. I am still paying the insurer for a loan that's been paid off for XXXX  years.
Product: Vehicle loan or lease

I signed papers for a car from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Indiana, but I never picked the car up. 
I never paid the down payment. 
I never Registered the car. 
I never got the car insured. 
I never drove the car off the lot. 
I let my sales agent know that I no longer wanted the car ( XXXX XXXX ). 
GM Financial is requesting to pick up the car ( that I don't have ) which I voluntarily surrendered and informed them that the car is still at the dealership. 

The dealership is saying that the car is not there and they do not know where their car is. 
GM Financial and I both have been trying to contact the dealership regarding the wear about of the vehicle and they are saying it is not there.
Product: Payday loan, title loan, personal loan, or advance loan

I started a loan with Sezzle for an XXXX purchase for the amount of XXXX on XX/XX/XXXX. I then made a payment on that loan of XXXX on XX/XX/XXXX and again in the amount of XXXX on XX/XX/XXXX. Sezzle then AUTOMATICALLY, without my consent refunded XXXX of that original XXXX and started a BRAND NEW loan of XXXX cents and AUTOMATICALLY charged my credit card for XXXX on XX/XX/XXXX. Then I spoke with XXXX representatives who were very unhelpful and blamed me for opening a new loan. I tried to explain to them that this was automatically done on their end and that I didnt even have purchase power to start a new loan. Then I requested the customer support phone number several times and after the 3rd time of me insisting on the phone number, the agent reluctantly gave me the customer support phone number.
Product: Credit card or prepaid card

We received a phone message mid XXXX to call XXXX XXXX to discuss a request to increase our credit line on our Lowes card. I check my Lowes card and the balance was zero. My last activity on that account was XXXX XXXX. I did not call the number back because I felt this was a phishing scheme. 

Then we received a letter dated XX/XX/XXXX stating that my credit bureau report was not accessible so they were unable to grant the increase. I called XXXX XXXX after reading the letter dated XX/XX/XXXX and informed them I had not made the request for an increase to my credit limit. I asked them to close my account. They asked for my SS number which I would not provide. I was n't sure if this letter was a scam or not so I hung up. 

On XX/XX/XXXXwe received a letter dated XX/XX/XXXX stating they had closed my account and I had a balance of {$8000.00}. I called the bank onXX/XX/XXXX after we got that letter and my wife spoke with XXXX who gave her employee number as 'XXXX '. XXXX stated they would turn it over to the fraud department and it would take 30 to 45 days to resolve. She said we should not make any payments and they would not report the account as delinquent to the credit bureau. 

I called XXXX XXXX on XX/XX/XXXX after we received the Lowes statement which is due XX/XX/XXXX. I was told the Bank knew the charges were fraudulent but it would take 45 to 60 days to remove the charges. 

I have filed a police report with the XXXX Police department and the report number is XXXX. I have made contact with one of the two Lowes stores where these charges were made. I with XXXX XXXX, Customer Service Manager, and he has turned this account over to their loss prevention department. 

Neither my wife nor I made any of these three these charges at Lowes. I request that Lowes and XXXX XXXX remove these charges from my account history and report to the credit bureaus that this account was closed per customer request because of fraudulent charges.
Product: Checking or savings account

Hello, I opened savings account with Citibank on XX/XX/XXXX and transferred first {$100.00} from my XXXXXXXX XXXX where I banked since XXXX - on XX/XX/XXXX. Second transfer was on XX/XX/XXXX for {$10000.00} and third transfer was on XX/XX/XXXX for {$4900.00}. Total transfer from XXXX XXXXk to Citi Bank {$15000.00} I received an email from the Citibank on XX/XX/XXXX stating that my saving account will be automatically closed within 60 days and money will be mailed to me within 30/60 days. 
In the email it says that if " I believe these funds should be send to me sooner than the expected closing date, please call the number on the back of my ATM card '' When I called the number, the response was, that I will receive the funds within 30/60 days no sooner. I am sending this complain and asking for your help to receive my money sooner then 30/60 days. And also, for awareness that Citi bank is holding money hostage from me and other customers for " Violating terms of service '' but all I did was to transferred money to Citi bank to start earning interest Citi bank advertised. 
Thank you for your support and help. I am looking forward to hearing from you.
Product: Credit card

I signed up for an XXXX XXXX loyalty card through Barclays that was supposed to include an interest free balance transfer for 15 months. I paid the 5 % transfer fee and all other charges, and haven't use the card for months. The current balance is {$150.00} below the original transfer amount but I keep getting charged interest and fees. After lengthy debates they removes these fees, but that's not the point. The XXXXBarclays promotion is fraudulent. Their software is not able to fulfill the promises made in the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. XXXX has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. 

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a new CFPB  against XXXX and Experian for reporting incorrectly the XXXX XXXX XXXX Credit Card - partial account number - XXXX on my credit report. ( Please see page 6 of the attached credit report. ) I did NOT open this account. I have attached a copy of the police report that I filed in regard to this account for fraudulent activity. I previously filed a CFPB  on XX/XX/2019 to XXXX  XXXX XXXX Credit Card Company reporting that this account was opened fraudulently by my late husband. I immediately contacted XXXX XXXX XXXXXXXX to close this account but have not been able to resolve this issue directly with XXXX XXXX XXXXXXXX. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/2021 Aragon agency sent me papers after I made one dispute with the XXXX. It is an account with a balance of {$7400.00} that they reported to my credit. The signature page shows the signer was the patients father and not me. I called Aragon agency and advised them of this and they still refused to remove it from my credit. They still said basically Im the responsible party when the signature is clearly not mine.
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by for the account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX for account opened XXXX XXXX, XXXX with account number XXXX, and XXXX XXXX XXXX  for the account opened XXXX. XXXX, XXXX with account number XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX XXXX for account opened XX/XX/XXXX with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( TRANSUNION ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Credit card

Hello CFPB : Would it be possible to re-open my complaint XXXX? 
It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention. 
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
Product: Credit reporting or other personal consumer reports

My information was involved in the equifax data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Product: Checking or savings account

Chase closed my account and have not given me any reason why, I have been researching online and seeing that chase does this often. I am assuming it is because i have recently received my retroactive payments from unemployment. They marked my account for suspicious activity and told me it was a final notice ; it will be closed. I have a legit unemployment account and I am not sure why they would not at least talk to me to try and clear up the situation. They told me that the account will be closed after 10 days and the money will be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX DBA XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hello, I sold my home at XXXX XXXX XXXX XXXX XXXXXXXX XXXX and purchased a new home in XXXX XXXX. We were scheduled to close on the home in XXXX on Wednesday, XX/XX/XXXX. I was advised it would be completed on time, I signed the closing documents, and turned over the keys on XX/XX/XXXX to drive to XXXX. We were scheduled to close on the home in XXXX on XX/XX/XXXX. 
Due to misinformation and the gross negligence of the buyer 's lender, XXXX XXXX, the closing of the house in XXXX has been delayed indefinitely. I am unable to close on the new home in XXXX  until we finish closing on the house in XXXX because I can not afford two mortgages. 
Its been two full weeks and we still have not closed on the house in XXXX. I've been homeless in the XXXX XXXX area during this time and have had to pay for a hotel while waiting for XXXX XXXX to give the clear to close. I have two pets and with the hotel and additional pet costs, it's cost me over {$2000.00} in living expenses while waiting for XXXX  XXXX. 
I've contacted the buyer 's lender, his branch manager, the Chief Complaint Officer  XXXX XXXX, the Vice President of Compliance XXXX XXXX, and the XXXX XXXX President and CEO XXXX XXXX. I've also submitted a formal grievance to the Colorado Housing and Finance Authority, the Colorado Attorney General 's Office and the Colorado Department of Regulatory Agencies, Division of Real Estate. 
We still have yet to see resolution from XXXX XXXX. Their negligence has negatively impacted the livelihood of both my family and the buyer 's family significant. 
Any assistance the CFPB could provide in urging XXXX XXXX  to take action would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report there were multiple accounts that were incorrect. 
On the date XX/XX/XXXX a XXXX XXXX XXXX was opened and it has a total balance of {$9200.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$7400.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$1400.00}. On the date XX/XX/XXXX a XXXX XXXX was opened with a total balance of {$2000.00}. To conclude, On the date XX/XX/XXXX a XXXX  XXXX was opened with a balance of {$2200.00}. I have received multiple calls from debt collectors of debt that i don't recognize. There were also Inquiries on my report that i never initiated. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to Credit Karma that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!