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

Credit card from Bank of America was lost and used by someone to purchase items at stores. Bank of America denied my fraud claim twice because the card was used at the location on XX/XX/XXXX and XX/XX/XXXX which of course it was when I explained I had lost the card. Been a customer of theirs for many years and have never had any fraud claims filed and the first time I need their guarantee because someone else used my card they wont stand by their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX card and was approved. 
Citibank Changed my address and mailed to this incorrect address. 
After notification to Citibank a supervisor admitted to citi causing the mistake. They would again send a card. They again sent the card to a wrong address. 
Citibank then requested I reapply because of the time that had passed. I said it was not my mistake and another hard inquiry would effect my credit score. Citibank has various ways of determining if my credit had changed during this process through soft Inquiry. The card was closed. 
Citi then reported this address to the credit bureaus. I have numerous recorded calls from citibank. I have been called by citibank from a XXXX area code asking me to call XXXX. I have done so and they representative has no idea why I am told to call. I filed a dispute with the credit bureaus and they contacted Citibank and Citi claims it is my address. My address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. Citi has listed my address as XXXX XXXX XXXX XXXX Texas XXXX. This is a non existent address. I never received a credit card though several conversations were made and again a supervisor admitting that an employee entered the wrong address. The Credit Card was never sent to me. I dont feel it should even be on my credit file as I was never given opportunity to activate or use the Card. The address should also not be the n my Credit files. I have numerous recordings and also voice mail from Citibank. They have Wasted 100s of hours of my time. I have followed every instruction given to me by various Citi employees and they have changed nothing. They know for example the address is not correct and when contacted by the Credit Bureaus they state to them it is. I have been contacted by other companies where I have an account after they are somehow notified of this address. This has also caused me numerous hours of explaining. I have never been late on any payments Or accounts I have ever had. I am close to an XXXX credit score. They wanted another Hard Inquiry on my credit due to their admitted mistake. I have also been questioned on why I have a Citi card opened and closed in such a short period of time and again I am questioned on this fictional po box . Citibank is well aware of what has transpired and has refused to correct the issue. If a person was one day late on a payment they have the power report this to credit bureaus. I have no power to show how Citibank has acted in this matter and again They were contacted by the Credit Bureaus by my filing of a dispute and refused to correct the issue. I am sure they didnt even bother to look they just tell credit bureau they are not wrong. If they had soent less than 5 minutes looking into to the claim they could have corrected it. Again I have numerous calls and voice mails from Citibank and they admit the mistake to me personally but not to the Credit Bureaus
Product: Checking or savings account

My federal tax-id XXXX was used to open a bank account at Bank of America XXXX I received information from the an email sent to my former business email account XXXX ; stating that I had an update to my account. 
I knew of no existing Bank of America Account. When I went to the local Bank of America Branch ( XXXX XXXX XXXX, CA ), I learned information that is highly suggestive of business identity theft, personal identity theft, and bank fraud. After presenting the banker and branch manger my tax-id XXXX, and my drivers license ; I was told that the account associated with my tax ID did not belong to me. The account and tax-ID were not associated with my business name XXXX XXXX XXXX XXXX XXXX PA ; my social security number, my former ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX, my current home address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX. Account and Tax ID not associated with my birthdate XX/XX/80, nor any phone number related to me. 
The Branch manager then said that I had no relationship with Bank of America, as the tax- id given, no longer seemed to belong to me??? They did comment and say, " XXXX '' when looking at the account info until my tax id.
Product: Credit card

It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Capital One has caused unnecessary fraud on my credit bureau account. They said they sent a letter to my XXXX and never did back in XX/XX/XXXX stating I owed them XXXX more dollars. Please note they accepted a payoff of $ XXXX They never have told me I owed {$250.00} or sent a letter stating that in writing. Their response was they wrote my XXXX. That is untrue they never did. I checked with my XXXX on XX/XX/XXXX! 

In turn this has accumulated late fees since XXXX or XXXX of XXXX. So, the amount of this fraud report is costing my credit score to plummet. This company is causing unnecessary fraud against me. I called their Corporate Offices only to be told I can only be on hold for 10 minutes because they are so short staff. This was yesterday XX/XX/XXXX. I also requested letter from them via XXXX on XX/XX/XXXX. This never came. Then I requested for an email response sent by phone call on on XX/XX/XXXX. Yesterday I also sent an email to their CEO on XX/XX/XXXX requesting this to be rectified off my credit report. I also wrote the credit bureaus about this last year and only received one response. It was not in my favor. I do not recall that exact date. So, I am consulting with you, would you please give me some assistance with my dilemma Capital One has caused me. 

I appreciate your time.
Product: Mortgage

On XX/XX/2021 I received a foreclosure sale date, but never received a default or breach letter previously. I contacted the loan servicer and requested the sale be postponed do to failure to notify me and allow me time to resolve it. They will not stop the sale date and as well will not review and process my hardship application sent to them on XX/XX/2021 which they acknowledge receiving. Additionally, the loan was modified previously through the HEMP program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some inaccurate and incomplete on my credit report last month so I sent Equifax a letter on XXXX disputing the negative information including personal information and inquiries with USPS certified receipt XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent XXXX and XXXX letters as well pertaining to the inaccurate items. 
XXXX  tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been having some recent issues in the past few months with paying this loan that I refinanced with Western Finance back. I have stayed in contact and been honest about my situation. I also did try to do a promise to pay but could not pay again due to some other financial issues. Western Finance has been not been understanding or easy to work with. XXXX & XXXX ( not sure if I am spelling her name correctly ) are rude, I've had an employee threatened to come by my house to collect, which I was told was part of their contract. Threatened that they will call everyday because thats a part of their collection praticies. I've tried to reach out to coporate and received no call back. District manager XXXX has stated that she would help and look into the situation and that's been little to no follow through. And she claims coporate never called her back as well. I just keep receiving more harassing and rude phone calls from employees at the XXXX XXXX location. Everytime I try to explain my situation to anyone that calls it leads to a heated exchange between me and the office and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its saying that I have a mortgage in my name, I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a fraudulent collection account was placed on my Experian credit report. I immediately filed a dispute to dispute the account as its not mine. Experian in violation fcra laws updated the account on XX/XX/XXXX to reflect a different due month. 
There are no documents nor statements to validate my ownership of the account. 
I have not been to the doctors in years and my kids are covered under their dads insurance for all expenses. I reached out to him and he confirmed all services were paid by insurance. 
XXXX  collection in violation of collection laws has refused to provide supposed documents or bills. 
I did not receive any document or statement tying me to this fraudulent account. 
The fraudulent collection is being updated to fraudulently reflect activity that did not occur.
Product: Credit card

Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.
Product: Vehicle loan or lease

In XXXX of XXXX, I was involved in a very serious, traumatic car accident for which I am surprised I made it out alive. My insurance company at the time, XXXX XXXX XXXX, failed to deem my XXXX XXXX XXXX XXXX totaled because allegedly I had a payment retracted from them from XXXX. Not only was I not made aware of this, there are several other issues for which XXXX never tended to : 1. I sent SEVERAL faxed messages to verify that XXXX FULLY covered my vehicle due to it being financed for which they failed to respond to. I gave my lawyer from XXXX, XXXX XXXX XXXX the faxes to verify that these corresspondces did in fact occur. 

2. I was told in XX/XX/XXXX that XXXX Auto Insurance DOES NOT offer full insurance in my area. By failing to explain this, or responding to my inquired mentioned above, XXXX prevented me from obtaining insurance from a different company that could cover the vehicle fully. 

3. Being told that the vehicle was FINANCED through SEVERAL faxes, XXXX failed to contact Ally Financial to mention the vehicle was covered by them. 

4. Through several EMAIL messages on Ally 's client portal AND phone calls, I inquired about insurance SEVERAL times with no response/answer that deemed my vehicle not to be covered correctly. 

5. Even though my INSURANCE COMPANY should cover the expenses from this accident, ALLY 's contract states that FINANCED or LEASED vehicles w/o proper coverage will be subjected to automatically being covered by THEIR insurance policy for which the customer must pay for. This should be implemented IF XXXX 's lies and fictitious claims are allowed to occur. 

6. Between Ally and XXXX 's illegal tactics, lies, and straight refusal to settle the claim has caused the GAP INSURANCE company not to be able to payout the difference owed. 

7. I never received a Policy Declarations page until my lawyer demanded on in XXXX of XXXX, after the accident!
Product: Credit reporting or other personal consumer reports

I am writing this letter to officially dispute information that is inaccurate on my credit report. Based on the following FCRA violations. 

Failure to Provide Investigation Results ( 1681i ( a ) ( 6 ) ) ; Failure to Conduct Reasonable Investigation ( 1681s-2 ( b ) ) ; Reporting Inaccurate Information ( 1681s-2 ( b ) Failure to Properly Handle Direct Disputes ( 1681s-2 ( a ) ( 8 ) ) Your company has failed to provide physical verification of the following accounts and has yet to delete these accounts from my credit profile. I have requested written, wet signature signed pages of the agreement between myself and the creditor however I have received none, yet the account continues to remain on my credit report and investigation comes back accurate and verified. These accounts never seem to change in status or remarks but somehow are verified which I find to be inaccurate, false and all around fraudulent. 

XXXX XXXX No Account Number Listed {$13000.00} ( diff amount on XXXX report ) XXXX XXXX No-Account Number Listed {$6400.00} ( charged off ) XXXX XXXX Account Listed XXXX times {$0.00} ( unknown status ) XXXX XXXX  Account Listed XXXX times {$400.00} ( unknown status XXXX total account reporting ) XXXX XXXX XXXX Account Number listed These accounts are very damaging to my reputation and my financial stability and needs to be deleted immediately. This is my third written notice about these accounts. If the proper action is not taken, I will be forced to take legal action for punitive damages. 

I have already submitted documents to verify my identity on several occasions previously. Please dont not request these documents again or I will assume that is just an attempt to delay doing the necessary thing to correct these inaccuracies. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax report on XX/XX/scrub>XXXX XXXX  and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I signed up for TransUnion 's credit monitoring service 3 years ago so I could check on my credit. I tried it for 2 months and decided I did not need it. I called them to cancel my account and they told me it would be canceled. 
For a few months I received no charges. Then without my knowing or knowing to look for it I was continuously charged for 2 1/2 years. Once a realized this years later I tried to log in and it told me my account was locked. So I called them the next day. And they had issues even accessing my account. They finally told me the service would be canceled ( we'll see ). I asked them about refunding the money they have taken, even though I received no services. The customer service agent told me no multiple times. Then told me I should have watched my bank account. Then I asked for a manager. He said ok. Put his head set down and sat quietly for 15 minutes .... And hung up. What the XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit pull/inquiry not authorized. Pulled prior without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I submitted a complaint with the CFPB about Transunion. The complaint was that Transunion failed and refused to send me their METHOF OF VERIFICATION. per the FCRA 611 ( a ) ( 7 ) I am entitled to request the description of all methods used to investigate the dispute,,, I am entitled to see the names of the person verifying the account with the original creditor, this is my rights and Transunion violated it and best believe I am seeking a lawyer on this matter because Transunion should have removed the account from my file,, Transunion failed to send me what I am entitled to. this is my rights and under the fcra law, I can request it and u failed,, I will be seeing one of your representative in court for the non compliance and the violation of my rights and the FCRA.. I have also provided proof of the complain that I made with XXXX with a account XXXX XXXX,,, XXXX was sent all the information like I sent Transunion and XXXX  failed to send me their method of verification,,, they were in violation also,, but in return XXXX  removed the account from my credit file, because I am entitled to see the information i asked them and i asked Transunion the same thing, and Transunion failed to send me what i asked, so we will be in court for the non compliance or u can remove the XXXX XXXX like XXXX credit reporting agency did..i have the printed copy of the complaint and the response from XXXX  see for your that the credit companies have to send this to the consumer if requested and i did that and Transunion failed just like XXXX did.. ( see the attached complaint and response on the removal of the account XXXX XXXX for non compliance with the method of verification from XXXX through the cfpb site ) i filed my complaint on XXXX with the XXXX XXXX account in XX/XX/2018.. XXXX responded on XX/XX/2018 and removed the account on XX/XX/2018 i have enclosed the proof,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ). 

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Attached is a copy of my Lease and my Social Security Card. 

Thank you for your attention to this matter. 

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

I disputed items on my Experian, XXXX, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.
Product: Money transfer, virtual currency, or money service

So I was trying to get a refund on XX/XX/XXXX and I ended getting scammed on the phone by someone pretending to be an XXXX employee. The man said he could get my refund through PayPal. First he sent me XXXX dollars and told me to send it back in which I did. Then he told me to send XXXX dollars and he said XXXX send it back but he didnt and disconnected the call. I was able to get the XXXX back but then on XX/XX/XXXX the PayPal account of the fake XXXX employee filed a chargeback case on me and for the XXXX that he sent to me even though I sent that money back to him and left PayPal account in the negatives and PayPal is forcing me to it even though I have proof that I returned the money to him.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX