23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to use my Southwest Rapid Rewards VISA card and was told that it had been blocked by Chase Bank due to fraudulent activity. I called in at that time and identified all of the questionable charges as legitimate, as I was in the process of moving and one of the charges was for the moving company and the other was for a lunch I had taken a fellow who had helped me pack. I explained to the agent at that time that I was in the process of moving and the block on my account was lifted. This morning ( XX/XX/XXXX ) I attempted to purchase office supplies from XXXX XXXX, a company that I regularly do business with and had ordered supplies that I usually include with an online order. I received an e-mail this morning from XXXX XXXX after I had completed the transaction online that the transaction was declined and shortly thereafter received an e-mail from Southwest Rapid Rewards Visa ( Chase Bank ) that two transactions had been blocked ; the transaction with XXXX XXXX and a transaction with XXXX XXXX XXXX for the rental of a unit I have with them. I have leased this space for three years and each month on the XX/XX/XXXX or XX/XX/XXXX of the month XXXX XXXX XXXX places a charge for the monthly rent. I later called Southwest Rapid Rewards VISA ( Chase Bank ) and verified that both of these charges were legitimate. I was told that the block on my card had again been lifted. I then questioned why a ) a charge that was recurrent every month had been blocked ( and clearly was legitimate ) and b ) why a charge to a merchant that I regularly do business with for items that I regularly purchase online was blocked. I then got passed from department to department with no clear answer being given. Several minutes later I called XXXX XXXX to ask them to resubmit the transaction on the Southwest Rapid Rewards VISA and they told me the account was still blocked ( in spite of the fact Chase Bank had previously told me they had lifted the block on the account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account on my credit report is reporting incorrect. Ive sent several disputes regarding this account and nothing has change. On XXXX, and XXXX of XXXX, Ive sent several disputes to correct the information even after the reinvestigation. This process is violated my rights and want removed. After notifying them of inaccurate information they still did fix. Under 15 usc 1681, you must hold my report to maximum accuracy. Also, you can not furnish inaccurate information knowingly wrong. The reinvestigation did not fix these problems even after factual disputes sent. This is a clear violation of my rights.
Product: Bank account or service

I want to open a savings account but can not. All my collections are more than 10 years old. Please remove any restrictions.
Product: Debt collection

This Statebridge XXXX has hired an attorney to foreclose on my home even though they have a XXXX mortgage and I have a first mortgage. I talked to someone this week by calling myself as I received a letter from their attorney that stated if I want to try to resolve this to call their number at Statebridge. The lady I talked to was very helpful told me to send my first mortgage statement to loss XXXX and that I want to request a loan modification. Which I did XXXX days and had no reply so I then called. I spoke with XXXX was contradicted himself several times as I am sure the call can be pulled and verified then he stated XXXX is my rep and would call me back after the investor reviewed it and would probably be next week. Now XXXX calls today and he stated he was told to call me so I am assuming he has information for me as XXXX stated nope so I had to tell everything again and he states he does not see my email even though XXXX did say he seen it in the system with my first mortgage statement attached and there is nothing they can do even me telling him what the attorney letter said to call them for a modification plan. XXXX also stated back in the summer they called me every day with a blast campaign which is untrue or if they did call no messages were left and I would like to see proof of where they called me every day and left a message This company all XXXX people told me something different no one knows the same thing so I do not know what to do or believe. XXXX finally gave me the attorney phone number to call and said they would have to help me but XXXX states they would not help me and would refer me to them. This is ridiculous that no one will help try to resolve. Still today if I had not called NO ONE has tried to call me and has had a conversation with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. EXPERIAN AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I have a fraudulent account on my report. Please remove this account from my credit report. 
The account is hurting my bility to obtain credit. Thank you kindly.
Product: Checking or savings account

I am writing to formally file a complaint against Bank of America, as well as to seek assistance regarding the negative impact that XXXX and XXXX XXXX have had on my ability to re-establish a banking relationship. 

Several months ago, Bank of America closed my checking account due to suspected fraudulent activity that I neither committed nor authorized. Despite my best efforts to resolve the matter with Bank of America, including providing necessary documentation and explanations, I am now being penalized by having my account closed and flagged for fraudulent behavior. 

As a result of this incident, I have been listed as a high-risk individual with both XXXX and XXXXXXXX XXXX, making it nearly impossible for me to open a new checking account with any bank. I understand that these consumer reporting agencies play a role in determining the risk profile of potential banking customers, but I firmly believe that the information reported about me is inaccurate and unjust. 

I have reached out to both XXXX and XXXX XXXX  to dispute the information on my consumer reports. I filed disputes regarding the inaccurate reporting of fraudulent activity that was not initiated or authorized by me. I am currently awaiting their response, but in the meantime, I continue to face significant challenges in reestablishing my financial stability and banking relationship. 

I am requesting that the Consumer Financial Protection Bureau assist me in resolving this issue and guide me on how I can clear my name from these systems, particularly given that I was the victim of fraud and am being unfairly penalized for circumstances beyond my control. 

I would deeply appreciate your support in helping me navigate this situation and ensure that I am able to open a checking account with Bank of America or any other financial institution without facing undue penalties due to erroneous information on my consumer reports. 

Thank you for your attention to this matter. Please feel free to contact me if you require any further information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I went through this process THREE times with XXXX XXXX XXXX HELOC which I received a letter entitled, " Your Investigation Results '' which states that XXXX  XXXX Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XX/XX/2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a mentally challenged individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the Collections Equity3?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?! 
I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at XXXX XXXX received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, XXXX hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in XX/XX/2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ). 
I do not owe any money to XXXX 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
Product: Credit reporting or other personal consumer reports

i was affected by XXXX data breach and a victim of identity theft there was account opened fraudulent in re XXXX XXXX XXXX. i have supplied proof of identity myself and documents including that XXXX can not verify this account and deleted it PLEASE REFFERENCE ATTACHED DOCUMENTS
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have no knowledge of the accounts and inquiries listed above. 15 USC 1681b. please remove these accounts and inquiries off of my credit report.
Product: Credit card

Summary : language not in my card agreement is being used as language to not provide the promotional offer I signed on for. 

I signed on for a XXXX XXXXXXXX XXXX XXXX card. The offer was for XXXX bonus miles if you spend {$2000.00} in first XXXX months. Fees included, I spent over 2000 in the first XXXX months. 

However, they are disputing that XXXX of my transactions was a XXXX payment to a XXXX for work on my house that they deemed as a " cash advance '' The issue lies that in the card member agreement, " cash advance '' does not include language around XXXX, XXXX, and other payment apps. 

Citi did not consider that type of transaction a traditional purchase and thus is was not added to my total spend for bonus miles. 

Upon discussing this with their support team, they provided language NOT IN THE CARD AGREEMENT stating XXXX falls into " Quasi Cash Transactions '' Further, nowhere in my agreement does " cash advances '' say it will not apply to the promotional offer. 

I am now being told that I can not get my miles because of language that does not exist in my agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for credit and was turned down. That's how I found that there was a XXXX Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/18 to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or XXXX. However LexisNexis received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from LexisNexis who really could have cared less on XX/XX/18 and as of today still haven't heard back.
Product: Prepaid card

I purchased {$5000.00} in eBay gift cards and use them for eBay purchases. 

However, the seller had refunded the purchases via Paypal. 
Paypal consecutively had closed my Paypal account without providing the cause. 

Since Paypal is an exclusive checkout method for eBay gift cards I effective forever blocked from redeeming my gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the breach my credit score is horrible like 500.ny mortgage and other good accounts are gone my fico now XXXX.ive written called and no help. I could not get a XXXX loan. I need this fixed. Help
Product: Vehicle loan or lease

On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. 

I appreciate your help in looking into this problem, personal information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on.
Product: Credit card

I have a perfect credit history. Good credit score. Excellent salary of XXXX XXXX annually. Capital One consistently denied me an increase and only has ever ONE TIME increased my limit after I submitted a CFPB complaint. XXXX and XXXX have never done this. I get immediate results as well. I feel they discriminate against women and minorities by this practice and charge me a higher interest rate as well with no basis for the higher rate and no basis for not increasing my limit. I've even offered evidence of salary.
Product: Debt collection

Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later. 

XXXX. I also pulled down my credit report and saw that this debt had been charged off. 

XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter. 

ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court.
Product: Credit reporting

On XXXX XXXX, 2016 I checked my XXXX account and had a total of XXXX hard inquiries removed from my credit report. Once again I checked my XXXX account on XXXX XXXX, 2016 and all XXXX hard inquiries were re-inserted back onto my credit report. I did not receive written notification about this re-insertion according to the FCRA section XXXX. I have been calling Transunion about this matter, and keep getting very rude individuals who barely speak english. I ask repeatedly to be transferred to a manager, or the department handling this. Each time I am told they can not transfer the call, and hang up on me. I keep getting told that there was a glitch in the system, and that they will not fix this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian & XXXX  about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need help.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I reached out to Afterpay in regard to a refund that was sent back to a bank account ending XXXX with XXXX XXXX which is closed. I had a repair done with XXXX  in XX/XX/year> and used after pay for the payment. A few weeks later the repair didn't fix the problem and I had to replace my whole window. XXXX refunded the payment of XXXX back to afterpay it was a total of 4 payments. 2 was payed with the debit card for the account that ended in XXXX. I received that portion of the refund from XXXX XXXX in form of check. I then reached back out to XXXX XXXX  and they told me the ACH returns were rejected on XX/XX/year> and I needed a trace number which is 15 digit of just numbers to help them see were the money is. I reached back out to Afterpay  and informed them of this they gave me a ARN numbers XXXX for XXXX and XXXX for XXXX as well. I informed them that bank states that this is not the number and the employee name XXXX insisted it was even sending me what an ARN number is which states it is for a credit or debit card transaction. So I spoke with the bank and they send me a trace number ( XXXX ) that Afterpay did have when sending me back a refund for XXXX on XX/XX/year> for an ACH payment. Afterpay states they need an official letter from the bank ( XXXX XXXX ). XXXX XXXX states I need the 15 digit trace number and neither can help me with anything else until they have what they need. So now I am filing because without help no one would do what is needed for the other one. To date to my money still has not been refunded and they are now asking me for the same trace number I do not have because once again the account is closed. I have now been told 2 times in the past two weeks that the issue has been escalated again to the finance department. I was also told they were about to close my case because I didnt respond. I have responded right away to all emails. XXXX is the one now that keeps asking for tracing number and escalating to finance I am tired just refund me my money.