23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

First, congratulations with having the Supreme Court having validated the funding mechanism for your bureau! 
I have a credit card issued by Citi which I have always been very happy with, and will continue to use even if the final decision is in favor with Citi. 
My specific issue is that Citi is requiring holders of their cards to go paperless if they wish to also maintain online access to their account. 
One of the things that Citi cards does right is that they post the amount of any purchase immediately, which means I can check my online account every day to check for unauthorized purchases and to enter transactions into my financial software. Most other card issuers do not post transactions until the transation is final, which can be days or even weeks longer. 
I was receiving social security XXXX until I was eligible for regular social security, so I guess technically I am no longer XXXX. However, I do have XXXX  and XXXX  XXXX, which makes telephonic inquiries virtually impossible. Also, because of age ( almost XXXX ) I am not so comfortable with computers as to make downloading & printing possible. 
In summary, I am XXXX, XXXX with XXXX  & XXXX  XXXX, and not very comfortable with computers. 
However, I do know how to get into my Citi account online, and to be honest, it gives me ( and Citi ) an extra 30 days to check for unauthorized or fraudulent account activity, so both sides do receive something from this arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.
Product: Mortgage

Hi XXXX, Just letting you know about about an immediate funding program that is now available to XXXX homeowners. You can immediately access up to $ XXXX with no collateral at a competitive interest rate. 

This type of loan is unsecured and you can use the funds for any purpose you like, such as : paying off credit cards, medical expenses, home repairs, or anything else. 

Just hit the button below to review/ update your information and review your options. Using this tool is free and there is no obligation ( checking is 100 % credit score safe ). 

Check Results and Estimated Rates Thanks and have a great day! 

Support Team Quicken Loans Classic bait and switch turns out to be standard secured or home equity! Is it too much to ask for upfront honesty?
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 I contacted my mortgage company advising that I was furloughed and no income, I was told that a package will be sent to fill out to see if I qualify to not to pay for three month since everyone is suffering cause of the Virus. Received the package and completed and sent on XX/XX/2020 Next thing my credit score gets dropped by 100 points. 

Name of the mortgage company is : Ameri Home Mortgage Acc # XXXX
Product: Money transfer, virtual currency, or money service

I Signed up for a Gemini account 2 months ago, they happily took my initial deposit but have yet to verify me which I'm just now learning means I can not withdraw my money. Getting an answer from customer support is impossible, I've probably sent 7 emails by now and can't get anything more than a generic automated response. Meanwhile I was able to get verified by both XXXX and XXXX today almost instantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE HAS BEEN LONGER THAN 30 DAYS AND THESE ACCOUNTS ARE STILL REPORTING.
Product: Credit reporting or other personal consumer reports

Experian will not update my credit report correctly. They do everyone except XXXX XXXX and XXXX All the other credit companies update as soon as its sent over to them. Not experian for some reason
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease XXXX XXXX was in accident on XXXX XXXX, 2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with XXXX XXXX loss department. They issued a payment check to XXXX for the lease car ( XXXX, 2018 ). XXXX then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XXXX of 2018. I started receiving phone calls from XXXX around Mid XXXX. of 2018 re their resolution result. I never received any letters from XXXX re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX  balance. I contested the XXXX GAP insurance payout because it was incorrect ( because XXXX had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. XXXX GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two XXXX GAP customer representatives around early XXXX. 2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process XXXX prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XXXX. XXXX, I received a call from the collection agency saying that I owed XXXX XXXX. I was extremely angry at which point I told the debt collector I will call XXXX to resolve this because my GAP insurance claim is still being resolve with XXXX and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called XXXX who then said that they are no longer responsible and did not help me except to say resolve it with the collection agency. By the end of XXXX. ( maybe early XXXX. ), XXXX GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XXXX. XXXX. XXXX XXXX has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my XXXX GAP insurance claim process. This account was paid and finalize in less than 2 weeks from XXXX GAP insurance GAP claim completion.
Product: Credit card or prepaid card

On XX/XX/2018, a purchase was made with an out of state address. I notified the company within the hour of the purchase. They refused to cancel the order and refused to file fraud. The order number is Order # XXXX. The supervisor I spoke with is XXXX XXXX ( employee number XXXX ). The purchase amount is {$230.00}.
Product: Checking or savings account

On XX/XX/2018 I gave XXXX XXXX XXXX XXXX 2 third party checks. Amount XXXX Chase bank froze the bank account and is currently holding the funds. They said they will hold the fund indefinitely. The only way to get funds back is to have foremost insurance request for the fund to be returned to them I contacted the insurance adjuster and she cant get funds back because chase has cashed the checks per XXXX Chase will not return the checks or release the money. On XX/XX/XXXX I went into chase with owner and spoke with a banker. They explain that chase didnt have to release fund or return to foremost insurance. 
Please asked chase to return funds to foremost insurance.
Product: Credit reporting

I 've been trying to get this credit card off my report for over a year now, I advised Experian to put Fraud Alert on my credit because someone had stolen my Identity, I DID N'T get a credit card with XXXX XXXX, the only thing Experian is validating is my mailing address, they have on file.
Product: Debt collection

I PAID MY CAR OFF XX/XX/2021 and RECEIVED A PAYOFF LETTER FROM CAPITAL ONE FINANCIAL, MY BANK GAVE ME MY XXXX  PAYMENT BACK BECAUSE CAPITAL ACKNOWLEDGED THAT THEY HAD BEEN PAID TWICE AND NOW THEY HAVE THE NERVES TO PUT IT ON MY CREDIT, I HAVE PROOF
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXX 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage loan from XXXX with {$0.00} balance, collection/charge off from XXXX XXXX XXXX XXXX with a balance of {$140.00}, and credit cards from XXXX XXXX  XXXX with a balance of {$10000.00}, XXXX XXXX  XXXX with a balance of {$1600.00}, and XXXX with a balance of {$8600.00}, Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX Delaware XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Received letter from XXXX about my credit score which had reduced and listed four areas of difficulty. Called them and got a foreign operator who was not fluent in English both in verbal communication and in comprehension. Finally he tried to sell me a service to monitor my credit which I declined. I am XXXX XXXX XXXX and pay everything my autopay. In the last 3-5 years I have not purchased any item which should flag my report. The representative could not explain any reason for this only that is how a score is generated every month. So sad that this may be happening to me but also to others because of an unknown. I have a mortgage, insurances, credits cards all on auto pay. Have never received a late notice in years. I do have some unused credit cards but have been told that if I close them it affects my rating so i just hold them. Also I was on hold for Equifax for over XXXX minutes. Just thought I should contact someone.
Product: Credit reporting or other personal consumer reports

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXX XXXX  The Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account is illegally publishing derogatory and inaccurate information on my consumer report.
Product: Credit card or prepaid card

The IRS issued me the XXXX XXXX of {$1400.00} through XXXX XXXX Money Network prepaid card. The card was stolen. The thief withdrew the entire {$1400.00}. We kept calling IRS for about XXXX XXXX and were finally told to contact Money Network. 
We raised a dispute for the transactions, and Money Network resolved the disputes in our favor. They sent us a letter stating that the " Merchant Had Credited the Transactions Back to Our Card '' We were glad the dispute was resolved, but our balance keeps showing XXXX XXXX was put back on the card, but it does not reflect on the card balance. We have made numerous attempts to contact Money Network and XXXX, but we are being bounced from one dispute representative to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

These accounts were opened fraudulently Discover XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Product: Checking or savings account

Our XXXX non profit just concluded a fund raiser with XXXX XXXX   XXXX through XXXX. We raised over {$4000.00} and I tried to set up electronic transfer and it will not go through due to some of the protocols at PNC bank. We have a business non-profit account. I called pnc bank and they told me it was because of their security measures and there was nothing they could do about it. This is frustrating. I should be able to set up electronic deposit of funds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year 2020 I filed disputes with XXXX, XXXX  and Transunion I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.
Product: Money transfer, virtual currency, or money service

My son responded to a XXXX XXXX  listing for a computer graphics card from a Scammer posing as " XXXX XXXX in XXXX, OK '' he agreed to send {$370.00} XXXX to this person for the product to be mailed. Once the Zelle transfer was completed he blocked my son, deleted the listing, and ghosted him. Zelle is protecting this Scammer by not providing the details of the recipient or his banking info to the local authorities or myself. I want Zelle to acknowledge the fraud that is occurring on their network and quit protecting scammers who are using the network to cause harm if they are going to turn a XXXX XXXX  and not reverse the transaction in cases of fraud then they should be forced to eat the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX in XXXX. I had been locked out of my account ( couldnt call to request pay, log in online, use app, request account number to pay. USAA reps couldnt verify me without using XXXXverify. I submitted my ID and call back number 8 times. No response. One representative did finally respond in email. I called and unlocked account. He said the USAA verification kept flagging my ID for fraud and thats why I wasnt getting a callback. I was then able to get my account unlocked on XXXX XXXX and immediately made a payment the same day. The representatives name was XXXX XXXX. I received another call from XXXX with USAA ext XXXX but was missed. I have submitted a dispute but I have the same call back issues. I have not received a call back to provide these additional details about the dispute, and XXXX XXXX XXXX did see that there was an continuous issue with verification and that it was taking quite some time and thats why he ultimately eventually reached out to me. My account now has a payment delinquency that I couldnt avoid due to having issues with my verification labeled as fraud when it wasnt before USAA would assist me. I have had two emails saying the called me to resolve and I attempted to call back the two representatives during the hours of Monday through Friday XXXX with no avail. Instead of continuing to try to follow up with more contact information the closed my dispute. I had always wanted to pay and have phone logs to show I have tried numerous times to take care of this issue. Not once until after I was overdue did any representative tell me to mail in a check and with that provided no additional information on who or how to send the payment. I will attach phone logs. I have XXXX missed calls, 2 that were erroneous answers to push a key to continue and one from XXXX, after I finally got access to my account. Another issue that didnt allow my ssn and credit card to match and verify my ID was since my card was cancelled it showed I no longer had any services through the bank, therefore they representatives also were unable to assist without verification through their verification program. Only until I submitted a formal complaint from XXXX XXXXhat they wanted to resolve the issue, ultimately I have received no calls to fix the issue as I had problems before. I have no issues from any of my other banks, like XXXX XXXX XXXX XXXX and XXXX for my banking needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that there was inaccurate. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account ( A ) : XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to a lot of disputes, complaints, and challenges with pre-written standard form letters, despite the precise information customers have provided. I am well aware that this is against the law since each and every consumer complaint must be evaluated individually and addressed appropriately.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I am aware that you are not required to request a Power of Attorney in order to delay responding to customer correspondence. I will consider your indifference to my correspondence in a timely manner to be a deliberate disdain for my customer rights. In a circumstance like this, I'll have to call my attorney and file a lawsuit.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! It is important that your credit report be accurate. The following complaints are unsubstantiated and do not comply with federal or state reporting standards. Since these claims do not adhere to fundamental reporting standards, which would increase my confidence in the veracity of the material provided, I contest them. It is your duty to ensure that all data is kept up to date, accurate, and compliant. Any claims that you are aware do not adhere to regulatory standards are not subject to be reported. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX XXXX  {$0.00}
Product: Debt collection

This Collection company by the name of XXXX. XXXX XXXX, is committing several Violations against myself the Consumer and FCRA Federal Law. I have never done any business with this Collection Company or its alleged Original Creditor, who I presume illegally sold my Private Personal Information to them and I never authorized or consented to any account with this Collection company. The account/debt this collection agency is attempting to collect is completely Fraudulent and the way this Collection agency obtained my Private Personal Information is a Fraudulent, Identity Theft, and a Violation of my Consumer Rights. I have no awareness whatsoever of who this Collection Company is, and I am fully exercising my rights under FCRA Regulations and Laws, to have this Fraudulent Collection removed from my Consumer Credit Report, and to have this Illegal Collection company CEASE the use of my Private Personal Information immediately. I am a litigious consumer who is fully prepared to take this unethical and unlawful Collection company to court to provide all of my evidence and prove that this Collection company and any affiliates are committing Consumer Law Violations. As Per FCRA Law, any information being furnished on a Consumer Credit Report must be truthful, valid, and completely accurate, without any chance or possibility of inaccuracy and this Collection Account is complete FRAUDULENT and INACCURATE and must be removed immediately. I intend to fully recover all damages caused by this Fraudulent and unlawful attack against my Consumer profile, if this inaccurate Collection account is not removed.