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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Debt is past statual limitations. Last payment was XX/XX/XXXX. Colorado statue of limitations is 4 year. In addition they are using their loan purchase date XX/XX/XXXX instead of the last payment date XX/XX/XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Money transfers

I 've been trying without success to talk to Western Union About my inconsistent attempts to send money by using their website. I 've been a customer of theirs for many years. Over the years I 've probably sent XXXX of dollars in money transfers over the Internet. The website will not handle my information. I get error messages it wo n't allow me to even complete the transfer. Transfer is not declined the website simply will not work to let me place it.
Product: Debt collection

XXXX XXXX called me, my daughter and my sister. Saying he needs to verify my home and employment address. So he can summon me for court and jail time. Then saying I have been notified. XXXX File # XXXX. He is very threatening and mean. He has no respect in his voice.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX I submitted XXXX XXXX XXXX XXXX to Fedloan servicing requesting that in school deferment is removed starting XXXX. I requested that the Fedloan servicing applies all the months of repayment while in the school deferment after XX/XX/XXXX while working for a qualifying XXXX  employer and still going to school. I requested that Fedloan servicing up updates my payment count under the XXXX XXXX XXXX XXXX from XXXX XX/XX/XXXX. Today I received an email from Fedloan servicing stating that a deferment will be applied on my account and payments will be postponed. I am attaching screen shot of that email. I did not request deferment on my account to postpone payments. I requested that any previous deferment that was placed on my account is removed so that those payments can count towards XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Date : XX/XX/year> Amount : {$3000.00} Company : Navy Federal The company restricted my account thinking their may be fraudulent activity. Once I called in, and verified its me, they restricted my bank account more. They locked me out of my online banking, and XXXX. XXXX lied, and told me my account is open with access to my funds. All this because my XXXX is not updated. 

Now I have no access to my money, because my XXXX isnt updated.
Product: Money transfer, virtual currency, or money service

Gemini exchange decided to close my account. No reason was given, but the terms of the account allows them to do so. While I have done absolutely nothing unethical, just some investing and trading in crypto currencies for my personal account I agreed to close my account. Gemini won't transfer my money. 

There has been a case open at Gemini with Ticket ID : XXXX. Two separate service agents have tried to unfreeze my account for the purpose of transfering the contents of my wallet. They have not succeeded. 

Today Gemini completely blocked my account while these two agents ( XXXX and XXXX ) were trying to help. I am quite upset about this. Please help me just get my wallet out. 

FYI the account is under my work email XXXX but the activity is strictly personal under my own social security # There is XXXX XXXX XXXX XXXX in the wallet valued at XXXX worth approximately {$2100.00} in the account. I would like either my money in US dollars or the ability to transfer the coins to my XXXX wallet. thanks for your help
Product: Credit card

I bought a Vanilla Visa gift card valued for {$100.00} on XXXX XX/XX/2023. It only had XXXX digits on the front instead of XXXX digits rendering the card unusable. I established a case number with Vanilla Visa Customer service that same day. ( Case # XXXX ) I was told to send a picture of my driver 's license, a picture of the credit card and the receipt which I did. I waited about 2 months and decided to e-mail the folks who created my case number as I had not heard anything pertaining to my case. I received no response. I emailed them again after 3 months had gone by and still no reply. I called them ( XXXX ) and was finally able to talk to a live person. This person asked me the same information that I sent them when I established a case number. After spending XXXX minutes on hold I was told that this case is still under investigation. Although it is probably not much money to them, it is a lot to me. What worries me is the fact that I have inquired to see how many people this has happened to. I have seen that it has happened to a lot of folks and some folks have waited as long as 9 months without resolution. I would appreciate any help you could lend in this situation. You were referred to me by the Attorney General 's office. The picture I am sending you is the card and receipt which was sent to Vanilla Visa on XXXX XX/XX/2023. Thank yo
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I opened a checking account with Citibank. In XX/XX/XXXX, the bank unilaterally closed my account and mailed me a check for the remaining balance of {$10000.00}. Being unfamiliar with XXXX check regulations, I gave this check to my son without endorsement. 

At the end of XX/XX/XXXX, XXXX XXXX  initially deposited the check into my son 's XXXX XXXX Checking account. However, they later reversed the transaction due to insufficient endorsement. In XX/XX/XXXX, XXXX deducted {$10000.00} from my son 's account and unilaterally closed it. 

Currently, Citibank considers the check to be cashed, while XXXX has withdrawn the funds, effectively leaving {$10000.00} trapped in the banking system. Neither bank has provided clear explanation of where these funds currently are. 

Additionally, in XX/XX/XXXX, I discovered that Citibank had placed me on a XXXX  list, which now prevents me from making USD transfers between my accounts at other banks. This was evidenced by a rejected transfer attempt from XXXX XXXX  XXXX to XXXX XXXX XXXX on XX/XX/XXXX. 

Multiple attempts have been made to resolve this situation : - In XX/XX/XXXX, we met with a Citibank representative at their XXXX XXXX XXXX  in XXXX XXXX  - In XX/XX/XXXX, we had meetings with representatives from both banks at their XXXXXXXX XXXX XXXX XXXX XXXX  - On XX/XX/XXXX, we participated in a conference call with representatives from both banks Despite these efforts and the responsiveness of bank representatives, the situation remains unresolved. Neither bank has provided written explanation for the account closures, the XXXX listing, or the current status of the funds.
Product: Debt collection

Navient has called me and my relatives 27 times in the past 24 hours. This is extreme harassment. I scheduled my payment to be made but their incompetant customer service cant get past that. I work XXXX hour days from XXXX to XXXX I dont need to be harrassed by them when I have this mountain of debt to worry about.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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

XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with TransUnion, and 34 points with XXXX. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up XXXX XXXX points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. XXXX is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.
Product: Checking or savings account

I'm not exactly sure what happen but the bank no longer wants to due business with me, which is fine by me. 

XX/XX/2019 Account was closed by bank. 
Amount owed is {$1800.00}
Product: Checking or savings account

Frost bank launched a fraud investigation. They also asked for me to report the incident to the credit bureaus and the police.
Product: Debt collection

I have continually asked for validation ( not verification ) of a legally binding contract with a signature which states business between myself and this LVNV which has yet To be produced. Old billing statements are not sources of verification. I am asking for the 3rd time for the contract between myself and LVNV.
Product: Vehicle loan or lease

I have reason to believe, and do so believe, that this organization did not loan me anything and I do not have any alleged debt with Capital One. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Capital One used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Capital One has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to update my personal information on my credit reports. There is inaccurate information on my credit reports.

This is a violation of 15 USC 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose " There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for theconsumers right to privacy. ''
Product: Credit card or prepaid card

Hi there, I have received the letter with saying that Chase has refused to reopen my credit card accounts for following two reasons : ( 1 ) Too many accounts opened recently ( 2 ) Balances on accounts are too high compared to credit limits I'm writing to explain the reasons and misleading information you got from XXXX. And I ask Chase to reopen all my accounts ( 1 ) I have only open five credit cards in the past one and half years. Only recently I opened three credit cards due to the good opening bonus for those cards. Please see the attached file 1 for details.

( 2 ) I have paid off all my credit cards balance including all the chase credit cards so the balances usage should be below 3 %. The misleading information Chase got from XXXX  is based on the report from XX/XX/XXXX which is not updated so far. Please see the attached file 2 for details. Chase should read the updated information on the report from XX/XX/XXXX.

I'm using Chase accounts ( checking, saving, and investing ) and credit cards for more than four years. I spend more than 100K every year using Chase credit cards and never miss any payments.

I'm asking to reopen my credit cards since it has already made so much inconvenience and wasted my lots of time. 

Best, XXXX
Product: Credit reporting

I discovered in XXXX 2015, when a low-balance credit card application was denied, that I am the victim of major identity theft. I placed fraud alerts and security freezes with all three of the main credit reporting bureaus. I also requested detailed copies of my credit reports. XXXX and XXXX eventually sent copies ; however, Equifax refused to send me a copy, because I could not answer their " security questions. '' I could not answer Equifax 's " security questions '' about mortgage loan amounts, or installment loan amounts, because those amounts were not mine! I contacted Equifax by phone, several times. I also contacted them via facsimile. I believe CFPB was able to get XXXX Equifax copy for me XX/XX/XXXX or XX/XX/XXXX. However, I need an updated, XXXX 2015, Equifax detailed report, so that I can officially dispute all current fraudulent items. ( Due to XXXX, I had to put all of this on hold. ) I still need to know the name of all of the loan companies in the Equifax report, & what kind of documents the thieves used to open up the fraudulent accounts. 
Equifax 's phone system is a nightmare ... they just keep referring you to other phone numbers. I need the CFPB 's assistance, once again, in obtaining a copy of my detailed Equifax credit report.
Product: Credit card

I have never had a credit late, payment late, or a collection, perfect payment history, my score is about XXXX for all XXXX  scores. After paying down my card with a XXXX payment to Citibank, a few weeks later Citibank dropped my limit to over and over maxed out the amount of what I owed. Dramatically lowering my credit scores for NO reason. My Credit limit was XXXX.now it is XXXX ( Immediately I locked my Citibank Card ) After making the payment my balance was XXXX total. Citibank doubled my payment amount which was 67 % annual rate. Absolutely illegal and usury. I reached out to Citibank at least 6 times for a reason and they could not give me any reason. My credit is excellent. I also asked them why the payment was so high and that the interest rate was usury. After numerous attempt, including today being on hold over 1 and a half hours, was hung up on. My compliant in the payment and the rate, my card balance is now XXXX and my payment is XXXX per month ( Interest ONLY ) that is 67 % interest annually. This is Fraud and Usury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX  XXXX XXXX )
Product: Prepaid card

A vanilla gift card was purchased and loaded in XXXX store on XX/XX/2023 and loaded with {$490.00} dollars. The card remained in package until today XX/XX/XXXX, when I opened the package to attempt to activate card for a purchase. 

The vendor for the vanilla gift card ( inComm  ) provides a card number in the back of the card for assistance but uses an automated system where a live representative can never be reached. 

Went back to the vendor ( XXXX  ) which was unwilling to issue a refund for the card but they denied accountability. I spoke to the XXXX XXXX @ the XXXX and XXXX location in XXXX, TX. They mentioned I need to figure it out with the gift card vendor. 

Upon logging in to vendor site again, card is showing a purchase online for XXXX ( even before I had opened card ) and I was able to click dispute to request refund. Upon submitting dispute, a case was generated but there is still no way to communicate with company. The case number is XXXX. 

I found a number to contact where they mention to contact XXXX XXXX XXXX XXXX XXXX at XXXX. Upon contacting them, they were unable to assist me with a refund and are now saying I must wait up to 90 days for investigation without any compensation for loss of funds that I never got to use. 

I have also tried to view information about my case in their site to confirm submission and the site is unresponsive and simply displays " An error has occurred while tracking your case ''. 

It is unacceptable that finance company is on purpose setting up systems to make it almost impossible to gather updates and information about the issue. It should also not be legal for finance company to be allowed to carry a dispute witholding funds while fed interest short term rates are at over 4 %.