23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID theft because someone attempted to file unemployment under my social security. Now I am trying to put a fraud alert on my credit. It seems that all three bureaus want us to file this via mail, including sending my SSN or DL via mail to them. I don't feel comfortable with that because my SSN was stolen and it is easy to steal mail. Also, I have relatives working for the Post Office and they advise not to do so. I tried to upload the documents with Experian, but it never worked although the file size was fine, I had only 2 documents, and all my info was correct. I tried to email Experian, but they do not even give us an email to submit a request.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XX/XX/XXXX. Since then, my fed loan servicer Ed Financial has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from Ed Financial once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info Ed Financial is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with Ed Financial, and these loans I have since started paying on, but I have received over XXXX XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my insurance with XXXX XXXX in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with progressive insurance. By law a driver can only have one form of car insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. 
I do have a police report with identity theft on those credit card, as proof. 

I need you help on this matter please. 


XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 



CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It is XX/XX/31. I am traveling abroad ( notified my bank prior ) and I tried to access my account online, with no success. I then tried calling the international number ( though I have to pay for the call from my phone in any case ) - one hour wait time. I then tried calling the regular customer service number - one half hour wait time. I tried to do chat - but they require login first ( which I can not do ). I looked for email - this also required login first. 
This is too difficult from abroad. I am not able to access my account!
Product: Credit card or prepaid card

In XX/XX/2021 I notice there is an offer on Chase web site. I am going to get XXXX promotion points when I applied Marriott XXXX card and spent {$3000.00} in first 3 months. So I applied the card through chase.com and got approved. I spent more than {$3000.00} in the first 3 months. However I didn't see XXXX bonus points in my account. So I contacted chase customer service through secure message. First they said I didn't spend enough in first 3 months. I pointed out that's not true. Then they acknowledge I spent enough money in first 3 months. But I am only eligible for XXXX points instead of XXXX. I send them the screenshot I took from their website. I pointed out that I didn't get any warning that I am not eligible for XXXX points when I applied the card through chase.com website. They couldn't give me an acceptable explanation but just insist that I can only get XXXX. I feel being scammed by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

T he Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I C SYSTEM Reported on XX/XX/year> Reported I do not validly or know this debt. They have it down as an open balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Transunion is the only company that is allowing a lady name XXXX XXXX XXXX continue to use my name. Transunion has completely ignored request to freeze my credit and I have even set up this acct online. The other XXXX credit bureaus have made corrections. I had to get my phone number change and a police report was file. This company just will not abide by the State Rules and this is causing me very much distress. If you call Transunion they will tell you the problem is fix and it is not. Could this be an inside job with this company. I have given this company enough time to make corrections when I file the first report with you. Yet they will not freeze my report, they will not me see my report. I will do my demand letter and then I'm left no other choice but to seek legal action. I want this lady to stop using my identification and acting as me. Unless you write a letter demanding me a new social security number and right today I'm being gang stalk because of this me reporting this. By XXXX XXXX and XXXX XXXX who live in XXXX
Product: Bank account or service

I received a promotional offer to receive XXXX AAdvantage bonus miles after opening a new consumer checking account in the Citigold Account Package and completing the qualifying activities. The requirements were to make {$1000.00} in qualifying debit card purchases and 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days of opening the Citigold checking account. 
I completed every requirement stipulated to receive the promotional XXXX AAdvantage bonus miles : opened the qualifying Citigold checking account before XXXX/XXXX/XXXX, made {$1000.00} of qualifying debit card purchases, posted, within 60 days of opening account, and made 1 qualifying bill payment, posted, each month for two consecutive calendar months. 
The XXXX AAdvantage bonus miles were to be posted within 90 days from the statement period in which I completed all the promotional offer requirements. 
I contacted Citi via their online chatting system on XXXX XXXX, XXXX to confirm my enrollment in the promotional offer, which was confirmed, and I have copy/printout of the online chat as supporting evidence. I contacted Citi again, via their online chat system, on XXXX XXXX, XXXX to confirm I had met all the promotional requirements, and again they confirmed that I did. I also have a copy/printout of this conversation as affirmation. 
I made several inquiries both via online chat and phone calls after the 90 day period had passed for Citi to post the XXXX miles to my account. After numerous ( 5-10 ) inquiries and ~2.5 months later, Citi finally responded with a letter informing me I will not be receiving the XXXX AAdvantage bonus miles. 
How can I, as a consumer and a client, put faith or trust into Citibank, a major financial banking institution when they create and market promotional offers and then do not honor on the bonus reward after. I am past frustrated and beyond disappointed. When Citibank failed to honor the promotional reward miles, they morally, ethically, and professionally breached an agreement. Bad business practices and breached agreements have lead me to you, Bureau of Consumer Financial Protection. If my personal issue can not be addressed, please prevent the bad business practices of Citi to affecting others.
Product: Vehicle loan or lease

To who may concern, I hope you are doing great. I am filing this complaint because I am being charged for a car loan on a vehicle that I no longer possess due to an accident. 

My car ( XXXX XXXX XXXX XXXX ) was involved in an accident on XX/XX/XXXX. It was declared total loss. My insurance company ( XXXX ) made a payoff check directly to the lienholder, in this case, the contract shows the dealership where i bought the car as my lienholder. 

The dealership cash the check out and went bankrupt. They disappear from their website, phone number, and physical address. 

Now, I have this car loan without my car. I have contact my bank, that is XXXX XXXX, and was told that I am still responsable for the remaining balance. 

I want to include that after my car was totaled. I stopped making full payments and rarely I make a payment of what I can actually afford, and the money is always going to pay interest. 

This problem caused me a lot of problem such as my credit score, and difficulty to save money to get another car. Thanksfully, I got a car XXXX months ago and I am not using taxi anymore.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report I came account fraudulent accounts that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history. 
This situation continues to have a significant damage an impact on my wife 's fragile health and medical status, continues to cause mental anguish and negatively impact our long term relationship and is causing significant damage to our ability to the peaceful and quiet enjoyment of our personal financial lives.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent reporting by XXXX on my credit report. The bank has reported incorrect late payments and other erroneous information that is negatively impacting my credit score. Despite my attempts to resolve these issues, the information remains inaccurate across all three major credit bureaus ( Equifax, XXXX, and XXXX ). 

The details of the issue are as follows : Inaccurate Late Payments : XXXX has reported late payments on my account that are inaccurate. I have consistently made payments on time, and these late payments do not reflect the actual payment history. This misinformation is damaging my credit report and score. 

Inconsistent Information Across Credit Bureaus : The information reported by XXXX is inconsistent across the three credit bureaus. Some bureaus report late payments, while others show discrepancies in balances, statuses, or account details. This inconsistency is causing confusion and is detrimental to my credit standing. 

Failure to Correct Information : I have made attempts to dispute this information directly with XXXX by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the bank, submitting disputes to the credit bureaus, etc. ]. However, the incorrect information has not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX corrects the inaccurate late payments and inconsistent reporting across the credit bureaus. I also request that XXXX be held accountable for their failure to provide accurate and consistent information to the credit bureaus. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.
Product: Credit card or prepaid card

I have attempted to settle and close this account three times, the balance was {$2300.00} approximately I offered {$2100.00} to settle and close the account. Citibank refused twice even though I explained of the death of my mother and some other Bill 's I acquired. {$2000.00} was refused on XX/XX/XXXXand XX/XX/XXXX. {$2100.00} was offered on XX/XX/XXXX and also refused by Citibank. Even though now in the coronavirus climate my wife lost half her work hours. This is a Citibank credit card account.
Product: Money transfer, virtual currency, or money service

I was purchased marketing & promotional Services from XXXX XXXX aka XXXX  he put my song on XXXX for XXXX which was not the deal his services are SCAM not correct. He says to bad no refunds I called PayPal over 7 times & Filed a Dispute almost 30days later they file it in the Scam sellers Favor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, XXXX  and Experian as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.
Product: Money transfer, virtual currency, or money service

On XXXX i was not able to get my funds of pay pal and they said its on hold for180 days for no reason.and imy account is no longer can be used
Product: Debt collection

I discovered this collection account on my credit report on XXXX/XXXX/17 and never received a notice of right to dispute.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX {$0.00}, FNB OMAHA {$10000.00}, and XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

This was a payday loan was defaulted on. A payment plan was reconciled over the phone with a Rep., not certain who that person worked for...

I log-in, make a payment, simultaneously they send through an ACH payment through my XXXX account. This company needs to audited or something. They tell consumers that no direct payments can be refunded, and gave me their word that the ACH payment will be refunded after 3-5 days. That did not happen.

Instead, they tell me that the dates of the pre-payment have been met and they can't refund anything now. Then when I contact a Supervisor about the matter, this person doesn't even work for the company, but with a website called XXXX XXXX  And I didn't get any copy of the pre-payment plan, apparently it was negotiated back in XXXX of this year. We are now arguing the matter in the month of XXXX.
Product: Money transfers

back in 1985 my father win the XXXX lotto for XXXX XXXX XXXX XXXX XXXX u.s dollars he was getting us XXXX a year XXXX taken out income tax plus all is money was going direct deposit electronically deposited to wells fargo bank when my father die my lawyer rite the bank to fine out how much money he had in the bank rite back to us .dollar fixed deposit of {$490000.00} us dollar savings of us XXXX XXXX regular savings {$XXXX} XXXX tt dollars and a XXXX XXXX of {$19000.00} tt dollars when we when to the bank to get the money they said that the XXXX us account is not there that they made a mistake that is not true. The banks are stealing us government dollar and people are suffering my sister have XXXX and this money will help.