23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for a credit with no APR for XXXX year through XXXX XXXX XXXX. I immediately completed the only purchases I ever made on that credit card account, while it was still being held under XXXX XXXX XXXX. At some point soon after I had made my purchases, XXXX XXXX XXXX sold or merged with or somehow transferred my credit to Comenity Bank. After 1 year had passed, I began being charged interest on the balance, but was also charged deferred interest on the balance for the previous year which was not a part of my original credit agreement with XXXX XXXX XXXX. I have asked Comenity Bank to provide proof that I had agreed to that, and they have not done so, saying that my statement is the proof.
Product: Debt collection

I have never done business with FAIR COLLECTIONS & OUTSOURCING , INC .
Product: Checking or savings account

I opened a High Interest Savings Account with Citibank about two months ago. I was able to transfer all of my money from my personal checking account with XXXX. When I try to transfer money back out, the transfer is rejected. This has happened XXXX separate times and each time I have spent hours on the phone with Citibank. The tell me they unfreeze my account but it just happens again. I have not been able to transfer any money back into my checking account. I am a single mom and need to transfer that money to pay my bills. I am desperate and don't know what else to do. Thank you in advance for any help you can provide me with.
Product: Prepaid card

purchased a Vanilla Gift Card on XX/XX/ as a holiday gift and loaded it for {$100.00}. ( I purchased the card with my credit card for payment. ) My friend, the recipient tried to use it at two different stores, but it didn't work in either store at all. Once opened, the actual card had 4 digits missing on the front of the card. Clearly a faulty card. The Gift Card didn't look tampered with when I purchased it, and in fact the cashier at XXXX where I bought it, examined it and assured me that it hadn't been tampered with. Since the front of the credit card is not visible in the packaging, this faulty number was not visible. Also, there was no sign of tampering with the packaging. 

I have the receipt of purchase, the packaging and the card itself as proof. 

I contacted the customer service at Vanilla Card Card by phone. The first person took my information and gave me a Case ID number. He told me to submit an email with documentation that included a photo of the receipt, packaging and card, plus the front of my drivers license. He gave me an email, very carefully and slowly, - I heard and wrote down exactly what he said - which bounced back. I contacted customer service again, told them my Case ID number and requested the correct email address. They gave me another, slightly different email address, spelling it out very slowly and carefully. This email also bounced back. I felt like I was getting the runaround, giving me incorrect email addresses on purpose in order to discourage me from filing a dispute. I searched the internet for help and found a third, slightly different email which I used. This successfully went through. I'm now waiting up to 30 days to hear something back from Vanilla Gift Card. I'm not holding my breath for their response.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Noticed Multiple Fruad account and a few inquiries on all three of my current credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent 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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SER XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security care. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and " verified '' my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.
Product: Debt collection

Contacted by XXXX from Atlantic Recovery Solutions on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Product: Checking or savings account

XX/XX/XXXX Migration of XXXX XXXX XXXX accounts to Chase Bank, on XXXX XXXX XXXX Holiday. 
Called Chase on XX/XX/XXXX told that all bill pay info from XXXX XXXX XXXX  would be transferred over to my new Chase Bank Account by XX/XX/XXXX. 
XX/XX/XXXX went online to review my checking accounts and bill payees, found that only partial account numbers had been transferred, and that all bill pay accounts were missing mailing addresses. 
XX/XX/XXXX Updated Bill Pay information on Chase platform. Initiated bill pay for XXXX payments. 
XX/XX/XXXX Bill Pay Fraud Department rejected my bill pay request. I called on XXXX separate occasions attempting to try and resolve issue with the Fraud Department, and was put on hold every time I called for over 20 minutes and eventually was disconnected by Chase. 
XX/XX/XXXX visited XXXX XXXX and met with XXXX XXXX who I expressed my disappointment with the poor service I had been receiving from Chase Banking phone Bill Pay Department. XXXX helped me in canceling one of my checking accounts # XXXX and transferring the funds to my existing # XXXX. She mentioned that she would make contact with the management team in charge of bill pay and see about getting these Fraud rejections resolved. 
XX/XX/XXXX received call back from XXXX who let know she had spoken with the Management Team for Bill Pay and that I was told to resubmit my previous Bill Pays once again. No kind of explanation was given for the delay. 

Summary in Conclusion XXXX did the best with the tools that she had been allowed to use by Chase Bank Management guidelines. She should have had the ability to correct the current bill rejections status and move the pending bills for payment processing while I was still at the XXXX Branch Office. This would have avoided the nuisance of having to resubmit my bills for payment once again. This kind of treatment left me feeling as though I am not that important to Chase Banking. In the years with XXXX XXXX XXXX I had never received such poor treatment or made to feel like I wasnt that important. Keep in mind that my relationship with Chase Bank has just started and it does not look promising or feel inviting! 
By outsourcing your bill payment department you are losing control of how they treat and value customers. You pay for what you are getting in return. Chase Bank has done a poor job in planning out this bank migration from XXXXXXXX XXXX XXXX to Chase Bank. Senior management for Chase Bank has dropped the ball and continues to mis-guide its employees. Rewarding a senior manager for outsourcing the Fraud Department yet ignoring customer satisfaction with the Fraud Department outcomes. The results speak for themselves, Junk In Junk Out.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have fraudulent unauthorized inquiries on my transunion report. the following inquiries should be removed immediately XXXX XXXX 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

Incorrect Personal Information Security Freeze
Product: Credit card or prepaid card

I have made lump payments and now with the virus both me & my husband ate out of work for at least a month & can not work from hone. I work at a XXXX  & my husband works in XXXX. I cant get a live person or an email from them to help. I have XXXX children and need help
Product: Debt collection

A company calling itself 'XXXX  XXXX ' called my son and left a message about a debt they say I owed. I called the number and they said they were collecting for Capital One. 

1. They had my previous name. I was married 7 years ago and they had my previous last name. 

2. They had my Social Security Number. 

3. The website for the REAL XXXX XXXX has a warning about an imposter using their name to try to get money. 

4. According to Capital One my credit cards under that previous name were paid off. 

5. Their phone number is XXXX.
Product: Mortgage

I was in chapter XXXX  bankruptcy which was successfully discharged on XX/XX/2021. My current mortgage company Select Portfolio Servicing Inc. Refuses to report my good credit to the three major credit reporting agencies. My mortgage is current and all my payments are on time. But this company continues to report my good credit to the agencies. I have tried to resolve with this company to no avail.
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Mortgage

Servicer regularly applies payments later than they should. This happens almost every month. Example, they received the payment due for XX/XX/year> on XX/XX/year> and deposited the funds into a " suspense '' account. Now, today XX/XX/year>, the website says we are " past due '' for our payment. We called the servicer, and they said they will apply the payment to XXXX sometime between the XXXX and XXXX, and that we shouldn't worry because we are still in our grace period. We explained they have had our money since XX/XX/year> and have an obligation to apply the payment effective XX/XX/year> ( or the first business day thereafter ). Their customer service rep on the phone argued as long as it is applied before the late fee, they are okay. We disagreed and then she read language from the note, which did not support her position, but then she said it did. We asked for a supervisor, she put us on hold, came back to the call, and then just repeated all the same arguments. We let her know we would file a complaint with your organization. We want all payments they receive on or before the XXXX of the month to be applied effective the first of the month, not within the first 10 days of the month on a day of their choosing.
Product: Credit reporting or other personal consumer reports

I'm not aware of when the account was created but i have a debt as an authorized user on a XXXX XXXX  card that I've never used
Product: Credit card

On XX/XX/year> I made a {$12000.00} payment online to my USAA Amex. The payment cleared my XXXX XXXX  account and was posted to USAA. I started to get " over limit '' and " charges declined '' messages from vendors that I pay each month by card. Many of these are essential services, e.g. my health insurance premiums. 

Today XX/XX/XXXX, I contacted USAA card support via chat and asked them why they had not applied the {$12000.00} payment made XX/XX/XXXX. Why they were declining charges when I had {$11000.00} in available credit. 

They said they " applied '' the {$12000.00} to my balance but will not apply it to available credit until XX/XX/XXXX, A FULL WEEK. Their reason given was " because it was a large amount. '' But consumers can pay off in full or pay down their cards at any time. Meanwhile they are declining charges and the rep said " there is nothing they can do about it. '' I think this is both unethical and should be unlawful under the Truth in Lending Act ( TILA ). USAA is essentially holding my money in some black hole for a week without my consent, and probably charging me over limit fees. Not to mention the expenses I will incur from the many vendors being paid late. And/or the hassle of having to log in to a dozen vendors and pay with another card. 

I am furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find my correspondence attached. Transunion is violating law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.
Product: Debt collection

The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( medical ) was disputed and REMOVED on XX/XX/2020. 

XXXX XXXX XXXX  XXXX for {$49.00}. 

It has since reappeared on my credit report. This is illegal and not correct so I want this removed.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
( Original Creditor : XXXX  ) XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXXXXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $-
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company gave me a hard ( regular ) Inquiry on my Credit report without my permission. I did not speak with anyone from this company, and never contacted them. I believe they are a fraudulent company that just sells your information to refinance/mortgage companies. This fraudulent Inquiry is negatively affecting my credit score. This company does not have any phone numbers that work, and if you look it up, 3 numbers come back- they all remain busy for hours, they never connect you to a live persons- it's all fake The Inquiry reads as : Intercontinental Capital via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX it states it was for a permissable purpose : credit transaction ( not true, never spoke to anyone ) on XX/XX/20 ph. XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with XXXX, Equifax, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX XXXX  is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the XXXX credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.