23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

received 2 title loans from XXXX XXXX XXXX XXXX XXXX XXXX. payments were made and then fell in to a financial problem. hours of work were cut and income went down and then both vehicles went down with problems. couldnt make payments for a while and then went to collections. received calls from a XXXX XXXX from CU Recovery. he called my work in XX/XX/2018 and spoke with him. he said to call him back in which we did. he wanted my wife to take loan out of her 401k to pay him which we explained we couldnt do it because we had taken a loan out already for medical costs. next he wanted us to take out a loan from family or friends and explained we couldnt ... nobody had the amount he was wanting. he even trheatened to sue us, which scared my wife. anyway on that call we made arrangements to use our tax refund when we received it to pay him but told him we would not get it for a couple of months. we made the agreement that we would pay XXXX a month until tax return came and then pay the balance of which was {$3000.00} and he said once we paid the settlement offer off, we would get our vehicle titles back. we paid this off and got a notification letter from XXXX XXXX that it was paid. last we have heard from him about anything. have tried calling the number that he would use to call constantly and have texted but no replies have been received from XXXX XXXX at CU Recovery. We did our part and paid off the settlement offer in full, now we are expecting CU Recovery and XXXX XXXX to fulfill their part! all we want is our vehicles titles ... they acted on XXXX XXXX XXXX XXXX XXXX XXXX part..so they are soley responsible for this matter.
Product: Credit card or prepaid card

I have been joked and toy with by Citi They refuse to fix what they did wrong They just want to confuse me and focus the issue on XXXX ftom last year They accused me of Laing They failed to apply the {$1000.00} payment And they think I am XXXX  and they do everything not to own their mistake Why would I suddenly make a {$1000.00} payment???????? 

Yesterday guy called me He was rude discriminatory So I told the executive office his not allow to call me of send me of email me I called the executive office and I was told XXXX is the person working on my case and she will call me they laid Now executive office lai to me she is no where to be found She never called I got this ridiculous email
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a investigation with trans-union in XXXX 2017. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XX/XX/XXXX, then updated in XX/XX/XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.
Product: Credit card or prepaid card

On XX/XX/22 I did a balance transfer on my XXXX XXXX for the amount of {$860.00}. I transferred the balance from my Citi card to my XXXX card. The Trace ID for the transaction is XXXX XXXX XXXX XXXX and was completed on XX/XX/22 and then sent electronically to Citi on XX/XX/22. I followed up with Citi multiple times via phone and did not receive an answer. I opened a case with Citi on XX/XX/22 by calling them and on XX/XX/22 I received an e-mail stating the case had been opened and was being worked on, but they did not start working on the case until XX/XX/22, where I received a conditional partial credit to my account. It is now currently XX/XX/22 and it has been over 2 months since I initiated the balance transfer and since Citi did not credit me for the balance transfer, I had to pay the full balance of {$860.00} or else I would have to either incur late fees or interest payments. 
After calling Citi today XX/XX/22, they have not completed any action when I called them requesting an update nor did I receive an answer on when my case would be complete. They said it would
Product: Checking or savings account

I have had my capital one account frozen for over XXXX weeks. After verifying the transactions on my account that they said flagged it, nobody has reached back out to me. 

All my funds are frozen, Ive tried emailing and calling everyday but the bank has no update nor even a response for me. 


Ive verified every transaction and then they tell me theyre closing my account. 


My bank account says capital one your funds are currently not available for withdrawal I can not even go into a branch and withdraw.
Product: Credit card or prepaid card

I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX  on XX/XX/2022. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/2022. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what???
Product: Credit card or prepaid card

XXXX/DSNB received payment of {$1200.00} by cashier 's check from my bank ( XXXX XXXX ).

When contacted they denied receiving payment. On subsequent contact on JuneXX/XX/2020 DNSB again denied receiving payment. When informed that I had received a copy of the cashier 's check showing that it hD been deposited on the second of XXXX, the representative told me to fax a copy to them at XXXX ; the representative then said it would take 51 days ( no explaination of the reason or what resolution ). 
The transmission was on XXXX XXXX at XXXX local time. On approximately XX/XX/XXXX I received a letter informing they are unable to process my inquiry. Please contact them at a number on the letter. I did not do that, since this is not an inquiry, it is a statement that they have been financially irresponsible. I am now in receipt of a bill for {$1000.00}, due XX/XX/2020. While I am capable of paying that amount immediately, I believe that they would then have {$2900.00} to clear what was a {$1200.00} amount. 

( As additional information, I had a similar problem with DSNB 's parent bank CITI.  When pressed Citi spent approximately two minutes, and responded the they had a cashier 's check in my name for the amount due. Two weeks later I received a new statement showing that the account ( at Best Buy ) had been paid. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Product: Credit card or prepaid card

i have this account since 2014 with excellent payment history with a limit of {$14000.00}. 
always was on time payer. i have a balance of only {$500.00}. recently i have a conversation with a XXXX agent, she informed me that i am allowed to add up to 5 or 6 authorized users. so i added 4 persons that were my cousins. suddenly bank of america decide to close my account while i was in the middle of my home financing and this caused a big harm to my credit score as this account was the oldest account i had in my credit report. i am very upset with this unfair decision and request them to consider my relationship with them and reopen my account. they caused a big harm to my home finance process. this is not acceptable.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


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

I filled a dispute years ago this has been hunting me since and I had no knowledge of this account being opened if I would have I would have do anything to stop this froud act I take responsibilities for my actions I will not pay for this account I did not open i have no control over when this account was open I can assure u I was not me now these hard delinquency that come up on my credit report make it impossible for me to get a loan when I most need it to provide for my a loan for emergency my money to get me out a financial problem over this account I already filled a dispute on is still on my reports
Product: Mortgage

Nationstar has stopped sending me my monthly statements since I pay on line. They do not have the right to stop sending me monthly statements
Product: Credit reporting

In recently checking my personal credit reports with the credit reporting companies, there is Public Record derogatory that I am challenging as inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. In my case, the action concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction and therefore not fully satisfied. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's objectives and I am requesting that the CFPB advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

I would like the inquiry XXXX XXXX XXXX XX/XX/2024, CONTINENTAL FINANCE/ XXXX XX/XX/2024 removed as it is hindering me from building my credit the way I intended. I did not authorize it.
Product: Credit card or prepaid card

Chase Sapphire Reserve Card ending in XXXX Claim # XXXX Initial claim filed on XX/XX/18 Claimed for lost deposits and costs involved due to XXXX XXXX flight cancellation that occurred on XX/XX/18 in the amount of {$380.00}. 
I have contacted them multiple times by both telephone and email, asking progress of claim. In one case they asked for further information which was provided. In each case after contact I was advised that I would be contacted. No followup and no progress ensued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status.This is illegal and in violation of several 15 U.S.C. laws.This is my 3rd attempt disputing this account with Equifax, this collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit card or prepaid card

For 6 months I have been being billed {$0.00} followed by a ghost charge - I was denied during the {$100.00} signup promotion & company never provided a response by physical mail or reason as to why I was denied I believe this company may be age discriminating
Product: Credit card or prepaid card

I applied for this card through the Citi website specifically because the site showed they would waive the {$99.00} membership fee the first year. The fee showed up on the first statement at which point I tried to resolve it with them via app chat, phone calls and social media. I was told the offer was not available at the time and to provide proof that was the offer when I applied. I sent them screenshots of their own website which showed the offer to waive the membership fee for the first year. They claimed that the website had changed since I applied and offered no proof of that claim. This has been the standard offer they advertise on their site for as long as I looked into getting the card and is still there. It took me many hours and phone calls to try to resolve this. I incurred a late fee while trying to resolve this with them. They refused to waive either the membership fee - which is what they advertise on their site and which is what I applied for - or the late fee and I was forced to close the account.
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. 

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 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 or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Experian After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information which is a violation under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. US DIST CT XXXX Date Filed/Reported : XX/XX/202XXXX XXXX Amount : {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civi
l liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
Product: Checking or savings account

I am filing a complaint against capital one for failure to deposit my direct deposit from my employer. Capital one has sited technical issues which may violate the electronic funds transfer act. I request assistance in investigating this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - ****XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, Equifax, & XXXX  but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.