23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that XXXX be recited now or else wise I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ). 

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). 

( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ). 

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). 

( XXXX ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ). 

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). 

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( XXXX ). 

PLEASE SEE THE PICTURES ON ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft all of my information was compromised including my social security number and other very important information.My name was Fraudulently used to apply for accounts such as CAPITAL ONE BANK USA AND XXXX XXXX XXXX XXXX XXXX CARD.These items are reporting to XXXX and XXXX and I never opened these accounts.i contacted all parties regarding this matter.
Product: Consumer Loan

I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.
Product: Credit card

My wife & I purchased a 'travel club membership ' on our Visa after being told by the salesman that we could use it for our XXXX we take XXXX for XXXX work. Since my wife works for an airline I told him we did n't need it for our personal use but would be interested if we could use it for these trips. He assured us it could. As our documentation shows, we were given promises that did not materialize. So i began to call and complain, and demanding a refund and being told it was beyond the 3 days allowed by law - rudely at that - I finally took them to small claims court in XXXX, XXXX, and won a judgment. Since this company is a 'scam ' and knows how to work the system, they have multiple offices in XXXX , XXXX , and XXXX that i know of. Trying to get a physical address and trying to collect is nearly impossible. So I asked Visa to reverse the charges. I have my Visa through Arvest Bank, which uses Security Bankcard Center. Initially they reversed the charges ( Arvest did ) but then they called and said Visa will not reverse them since I had a judgment and might collect double payment so I needed to pursue through the courts. Per my attorney i was told to press Visa to reverse the charge. They refused saying it was past the 'statute of limitations ' of when the charge was made. The travel co. would n't refund and cancel because they said it was past the 3 days, yet it was during that first week I was trying to use their services before finding out the empty promises. They also complained to Visa saying I used the services. I tried getting quotes for airfare, rental cars, etc. and the only thing I could use was a rental car - and that did n't save me any money from what I could get elsewhere. A far cry from spending over XXXX for these 'special discounts. ' This travel company goes by " XXXX XXXX '', " XXXX '' or " XXXX '' - all of which have a lot of bad complaints online. I only which I had researched it before we bought!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent Equifax, XXXX and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
Product: Credit card

I have an Amex which has a feature of 5 % cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers. 

I have user this Amex card paying my cellphone bill from XXXX which is a legitimate wireless telephone services in US. I have spend nearly {$3000.00} per year for last couple of years, and Amex never honor me the 5 % cash back and I have made a couple attempt to call but it never resolved.
Product: Debt collection

I am an XXXX XXXX XXXX college student. I found out this minor bill today when my mom opened my mail with my permission. The original bill is under {$50.00} and I can pay that had I known. Now i'm being sent to collections for double. I want to pay the {$40.00} and move on with my life and career in college. Please call my mother as I have given her the money at XXXX to pay. ( XXXX ) XXXX ask for XXXX XXXX. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX 
XXXXXX/XX/XXXX XX/XX/scrub>/2024 XX/XX/XXXX XX/XX/year>2024 XXXXXX/XX/XXXXXX/XX/XXXXXXXX/XXXX/2024
Product: Credit card

My name is XXXX XXXX, and I have been a loyal customer of Woodforest National Bank for over 12 years. I am reaching out to you today because I am deeply concerned about the recent denials of my loan applications and lines of credit. Despite my long-standing relationship with Woodforest and my impeccable credit history, I have encountered repeated difficulties in obtaining personal and business loans and lines of credit from your institution. Most recently, my applications for the Executive line of credit and the Business revolving line of credit were denied without explanation. As a customer with well over XXXX figures and an exceptional credit profile, including personal credit scores ranging from XXXX to XXXX, and a business credit score of XXXX out of XXXX, I find it perplexing and disheartening to be repeatedly denied credit opportunities from Woodforest. I have never exceeded my credit limits on any credit cards I have with other institutions, and all my payments are made on time as my credit report will show. Given my financial stability and creditworthiness, I can not help but wonder if these denials may be rooted in discrimination. Your institution has full disclosure to view my statements and bank account being that I bank with you, so I am confused. I am confident that my qualifications far exceed the requirements for the requested lines of credit, and I am committed to working with you to address any concerns or issues that may be hindering my access to credit. I am eager to discuss this matter further and explore potential solutions that would allow me to continue my banking relationship with Woodforest National Bank. I am willing to provide additional documentation, undergo further review, or explore alternative options to demonstrate my ability to manage credit responsibly. Please consider this as an urgent request for a thorough review of my loan denials and an investigation into any potential discriminatory practices. I am hopeful that we can find a resolution that is mutually beneficial and preserves our longstanding relationship. I can be reached directly at XXXX, and I have attached copies of my personal and business credit reports for your reference. I am interested in a line of credit between XXXX for my business. Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit card or prepaid card

I XXXX XXXX filing this complaint on this First progress credit card company due to me having a paper less statement and was not able to go on line and see statement had to call First progress to asked why was this account not paid in full due to there was a low balance and request account information and was never told that all 8 payments that I paid by ACH was not going to principle they were going to late payment of {$40.00} ever month .I need First Progress Credit Co to credit my account of all Late payments fee. a letter attach was sent to company on two occasion. the say the did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Money transfer, virtual currency, or money service

After requesting the release of my account so I could make a withdrawal, Pionex.US refused to recognize my identity and required me to identify myself REPEATEDLY over the course of two months, several times, causing massive issues with payment of my rent, bills, and other obligations and resulting in me suffering an eviction from my apartment and two storage units, and further resulting in my inability to even rent a room. Subsequent damage is reparable only over long periods of credit rehabilitation. 

I made over 12 videos of myself holding my state issued identification card, with a dated piece of paper, verbally requiring Pionex.US to unlock my account, and each was rejected for some insignificant or completely false reason why too blurry, too far away, bad color, and a plethora of other garbage reasons to prevent my access to my account they KNEW I was making a significant withdrawal, and did not want that to happen for whatever treason. Each customer service representative seemed to collude to to the same end... make sure I was not able to access my account on any level whatsoever. I interacted with XXXX, XXXX, and manager XXXX, and on various social media outlets including XXXX, XXXX, and directly interacting with their support desk. They do not and never offered any form of verbal method of contact ( no telephone number whatsoever ). I also contacted executive management via email, and they ignored my emails. I am STILL unable to access my account to withdraw any of my money.
Product: Debt collection

XXXX has outstanding amount due for {$74.00} on my account which they claim was paid/credited to my XXXX credit card, but I never received it. I disputed the charge with XXXX and the amount was retruned to my credit card, however, XXXX turned around to charge me account with the amount. Now XXXX has sent the {$74.00} to a collection agency. 

This was for a returned purchased from XXXX, which I paid using XXXX and my XXXX credit card was connected. 

I have asked BOTH XXXX and XXXX to look into this as I should not be paying for returned merchansdise and for a credit I was owed. But they are unable to help me get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 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, US DEPT ED, DEPTEDXXXX, XXXX, Company Inquiries : 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: Debt collection

Original creditor was an ambulance company that did not bill my insurance even after multiple phone calls to them asking them to bill my insurance that was on file. Almost 4 years later, I get notified that I was in collections for that ambulance bill that was never billed to insurance. This time it was a new debt collection agency that purchased the debt from the original creditor.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to get my credit report over the telephone from the Equifax company. They confirm that I do not have any freezes or blocks. On the most recent attempt, they asked me to send a request in writing, along with identification. On XX/XX/2020, I sent a request to receive my credit reports. I have numerous errors on my credit report with the other bureaus, so I have to assume they show on Equifax also. I sent a formal report listing all of the accounts I believe to be an error. This past week, I sent another request, identifying several collections creditors that have not answered my validation requests in terms of the law. These items must be deleted. My complaint with Equifax is the following : 1 ) I'm still requesting to see a complete copy of my credit report and have yet to receive. 
2 ) I've received no answer from them about the errors I believe are being listed on my credit report. 
3 ) I now have several collections creditors that are in violation of the law, so I've requested to have these accounts deleted. 

I'm doing all of this blindly, from what I believe is on my credit report. Is Equifax still in business? Are they no longer required to follow the law? Why am I the only American that can't see my credit report.
Product: Credit card or prepaid card

I have XXXX CITI Cards- XXXX for XXXX XXXX and the other for XXXX. Recently they lowered my credit limits on both cards to the point of where my credit cards were now right at their limits. What this means for me is that when they add their interest, each time it takes me OVER the new credit limits they moved me to and are reporting that action to the credit bureaus!!! Up until now I have been making my payments on these cards, true a few may have been late but they were paid inside the same month. I was furloughed for over a year and continued to pay them without asking for any type of recovery or forbearance. 
This appears to be a very unprofessional way to do business and my credit rating is suffering because of it. Until now I have been over XXXX for years and for the first time have dropped below that level due to this hidden money making scheme by CITI. 
Due to this I am in the process of having to take out a Home Equity line of credit to protect my credit. The good news if there is any, I will be closing out any accounts I have with CITI and staying with XXXX XXXX and my own bank card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

I was charge two times over a few minutes for {$23.00} approximately 3 months ago. Within hour of charge I called Chime and reported it as Fraud. They advised I had to wait till it processed before I could dispute. I said it was fraud. They took two months to return my money, then approximately 30 days later they reversed the credit and said it was authorized. I called them back and talked to four people they said I need to refile dispute and wait again. I used a XXXX XXXXXXXX  XXXX and believe all my charges and im fraud protected. Chime not being a brick and mortar bank has different rules. I want to be credited immediately and I want to charge them by the hour for time wasted due to there bad faith in solving this problem.
Product: Mortgage

Select Portfolio Servicing began servicing my mortgage in XXXX 2013.After it was transferred from XXXX.I have been applying for a modification with SPS since that time.to no avail.I am always told that the information that I have provided is incomplete.As a result I was notified that I have no home retention options available. So I agreed to a Deed in Lieu. I was never contacted by anyone or received any documents to sign to began the Deed in Lieu process. I tried several times to contact my relationship manager { XXXX XXXX } .But only spoke to someone in her department.During this time Received a pay increase and submitted another modification package through XXXX . I received a call on the very day that the modification was submitted from XXXX XXXX .She said that the complete modification package had been received, but it would not be reviewed because a sales date had been set.When I inquired about not receiving any documents in regards to the Deed in Lieu she became very rude and said that she could not hear me and that she would have to end the call.Now I realize that SPS never intended on giving me the opportunity to prove that I am capable of making my mortgage payments. Their only goal was to take my home the way they have taken so many other hard working Americans homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted a complaint before for transUnion about a fraudulent account called XXXX XXXX on my credit file. Complaint ID XXXX, transUnion responded that the account has been removed. Today after I get my credit report from transUnion, I found the entry was still there, only they changed their name to XXXX, but the address and phone number still is XXXX servicess. My question is, why transUnion didnt remove this entry, but claim to CFPB that the entry has been removed? And why transUnion didnt even verify a companys name, and allow them to report fraudenlent information under fake company name? I would like this fraudulent account to be removed from my credit file permanently and Im considering legal actions at this point against this company. 

TransUnion response to my previous complaints : Company responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response After reviewing your complaint, our records show that the XXXX XXXX XXXX # XXXX account you disputed does not currently appear on your TransUnion credit report. Also, the name of XXXX XXXX is no longer appearing on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.
Product: Credit card or prepaid card

I saw that my credit score had gone down. I got a copy of my credit report and found an account opened with {$7300.00} in charges. The account was with GS Bank USA XXXX XXXX. I filed a complaint with XXXX and after their short review they said Goldmansac said that they followed their protocol and that was it. I tried to call the bank 's fraud division at ( XXXX ) XXXX where no one is available and their voice mailbox is full. I tried the other number I have for the bank at ( XXXX ) XXXX and the voice recording asks to enter who you want to talk to, and then goes dead. I did not open this account, have never received a bill or any kind of statement. Looking at the XXXX credit report, it looks like whoever opened this account made two {$74.00} payments and failed to make the XXXX payment. This is very not much fun. I hope that you can help. I only have the last for numbers for the credit card which are XXXX.