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

Citibank closed my longest history credit card without my awareness when I called in to ask about retention offers. 
1. On XX/XX/2018, I called Citibank credit card representative to inquiry about the possible retention offers on my Citibank ThankYou Preferred credit card. However, before the retention agent told me any retention offers, the call was disconnected. Then that agent directly closed my account without my awareness. 
I called back on the same day and realized my account was already closed. I asked whether Citi could reinstate my card. They opened a case, but on XX/XX/2018, Citibank told me they were unable to reopen my account after running a credit check. 

2. This credit card has the longest credit history. So the closure really affects my credit score negatively. Running a credit check to in the case to reopen my account also hurts my credit store. Citibank should have trained their retention agent to double check with the customer before actually closing the account, especially if the call was disconnected.
Product: Credit card or prepaid card

On XX/XX/2021, I received an offer from Chase bank for a cash advance without interest. The advertising does not explicitly state that Chase will charge percentage fees. After I wrote the check to myself, chase charged me a {$180.00} fee. I called chase and offered to return the money. But they have refused to refund the {$180.00} fee.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, I am filing a complaint against Bank of America for deceptive lending practices that have harmed my business. In XXXX, we refinanced {$3.00} XXXX in practice loans with the promise of receiving a line of credit in XXXX for up to 65 % of our revenue. Now, Bank of America refuses to honor this agreement. 

Our business banker, XXXX XXXX, repeatedly misled us : We were promised a XXXX loan, which was later reduced to XXXX years. 
The refinance amount changed on signing day, leaving us no choice but to accept. 
XXXX accidentally sent us a profane text message about our requests. 
After months of discussions, he still referred to our business incorrectly. 
We chose Bank of America based on false assurances. Had we known they would move the goalposts, we would have sought other lenders. Instead, we made business decisions based on a promised line of credit, only to be left in financial uncertainty. 

Despite months of communication with XXXX, XXXX XXXX, XXXX XXXX, and others, we were repeatedly misled and given false hope. This has been a bait-and-switch experience, and I urge the CFPB to investigate. 

Please advise on the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use Credit Karma. In the past few months I have received repeated alerts, recommendations & invitations to apply for personal loans and credit card offers with outstanding approval odds. I apply and am denied the loan and/or credit card. This is a deceptive practice. Im not clear why they continue to bait me with these offers only to be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them immediately.
Product: Debt collection

sent a letter a few months back to Fair and out sourcing acct # XXXX {$2800.00}. Sighs! where do i begin first and foremost i have no knowledge of this account. My identity was compromised and i've spent the last few months trying to put the pieces to the puzzle of my credit TOGETHER. so, i sent a letter a few months ago along with my identity theft i informed them this wasnt my account. Im asking for validation of debt and an immediate removal of account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX.
Product: Debt collection

I contacted XXXX XXXX three times to get them to send information to their collection company that the bill was paid by me on XX/XX/2020 in the amount of {$180.00} by phone using my debt card. I have the bank statement to prove Ive paid the car insurance bill in full but they will not keep their word and follow thru on that promise. Ive also contacted the collocation company several times and they will not stop sending me letters that I didnt pay the bill even though their computer information says that I have paid it in full. Please help me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my XXXX XXXX and file ) with XXXX for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX informed me the following : " I advised Mr XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX XXXX XXXX to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

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

In XX/XX/XXXX & XX/XX/XXXX I experienced difficult times financially ( XXXX % reduction in income ) and ultimately filed Bankruptcy. In XXXX XXXX I filed BK-XXXX and one of the items discharged was a Chase Card # XXXX for {$4900.00}. Chase had went to Superior Court XXXX/XXXX/XXXX ( prior to my BK filing ) and received a Judgment for the same Chase Card # XXXX for {$4900.00}. Docket number was XXXX. My BK-XXXX ( 60 months of payments ) was completed in XXXX XXXX, when my BKXXXX was fully discharged. Chase reported the individual line item for account # XXXX on my credit report as included in the wage earner plan of BK. Chase never Vacated or Suppressed the Judgment for {$4900.00} which was for the same Chase card. I have called multiple times and spoke with the legal department of Chase and rudely told they already did what they were required to do and can not help me. I explained to the legal department of Chase that I was right in the middle of purchasing a home and the mortgage lender is requiring the Chase Judgment to be paid in escrow. The legal department of Chase told me that if they received the {$4900.00} from escrow for the judgment that they would consider this as me reaffirming the debt that was already discharged in BK. I let them know this is NOT my intention. On XXXX XXXX I emailed XXXX XXXX, the CEO of Chase and also the Executive Offices of Chase to get help. I was contacted by Chase the next day and after many phone calls and ultimately me asking to speak with a Supervisor I felt they this matter would be resolved. The Supervisor told me that they were not pursuing this debt and that their records show it was included in BK-XXXX. However, Chase would not provide a legal document that could be recorded to vacate the Judgment that still shows active on my credit report. On XXXX XXXX, I received a fax from XXXX XXXX, Managing Director with Chase ( letter attached ) that states they are not pursuing collection of the debt. The problem is that this does not get the Judgment cleared on my credit report. I took off work this morning and went to the Superior Court of XXXX XXXX County Office in XXXX and they told me that unless Chase files the necessary paperwork to vacate the Chase Judgment the money is still owed and collectible. Unfortunately, I need to close escrow on my home purchase in two business days and the mortgage lender is requiring me to pay the {$4900.00} and they have instructed XXXX XXXX XXXX to pay the money directly to Chase bank for the Judgment. Even though Chase states they are not pursuing collection of the debt that was included in Bankruptcy they in fact are by not vacating the Judgment. How can I get Chase to reimburse me for the {$4900.00} and vacate the judgment? I do not have the extra money to cover the {$4900.00} now and have to borrow from family in order to close escrow on my home purchase. This has turned what should be a special time for me into a very difficult time XXXX and making me XXXX. Please let me know what recourse I have with Chase and I believe it is important for them not to do this to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had MULTIPLE issues since last year with consistently monitoring my utility bill statements from seemlngly multiple payments on the same accounts, receiving bills that were inconsistent with the last amount, making payments that I know I have already made, someone changing my security code on a billing statement & making unauthorized changes to my account resulting in higher bills or possibly even opening multiple accounts that I knew nothing about. I have been blocked from receiving phone service because someone else was using my identity to enjoy the phone service that I did not authorize in addition to loosing my phone # that I had for years to this situation after they disconnected my phone & told me their was a conflict of interest in the address being used. I have just confirmed on yesterday after months & months of trying to track proof down while visiting the bank almost bi-wkly ( causing me to loose work time & very inconveniencing ) trying to figure out what's happening to my money that I KNOW I BUDGET WELL HOWEVER, someone knows how to cover their tracks really well, with making transfers & using my card # to consistently making purchases. I have made multiple attempts to do lost/transfers to my accounts to try & stop the inconsistencies but before I know it, the same thing happens again on the new account. It has cost me to feel like I am about to go crazy as I constantly feel violated & have pushed close people away from me as it's hard trusting anyone now because I felt like someone close to me had my information using it when turns out XXXX   has breached contracts & allowed public information to be exposed so now I don't know who's robbing me & violating me. I've had to pay for a P.O. box for my mail as I feel unsafe getting it comfortably at my home address thinking someone was getting my mail out & getting my information. In addition, my emails had been violated as well so I'm afraid to send personal information ( as I feel they are being either rerouted or viewed ), make payments online or even use my personal telephone to handle bills or personal issues as I feel like my phone, email accounts are being monitored & violated which is also VERY INCONVENIENCING to have to take additional time to go to a library, or use a neighbors phone to do things I can do in the comfort of my own home or with services that I pay for. I am a business person so I can't change certain things like email, business phone number, etc as I have things established long term. This is really unhealthy for anyone 's state of mind as you are trying to live a day to day life & also make time to play detective to figure out what the XXXX  is going on with your money that you KNOW you didn't spend & trying to prove to a bill collector that you didn't authorize a change, or that it is YOU, when someone has the same information you have to put up the same argument as if they are you! I am attaching a police report of proof of someone else using my info to get a phone account that is currently still open since XX/XX/ 2017 in  my name.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the accuracy of information on my credit report maintained by TransUnion. Despite sending factual disputes, I have noticed that the same error persists. Specifically, the account from XXXX XXXX XXXX, Account # XXXX, displays a balance of {$3700.00}, which is incorrect and puts TransUnion out of compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All CHARGE OFF IS CONSIDER INCOME ACCORDING TO IRS PUBLICATION 4681. INCOME SHOULD NOT BE REPORTING ON A CONSUMER REPORT BUT SHALL BE FILED WITH THE IRS AS TAX YEAR INCOME. REPORTING INCOME IS A DIRECT VIOLATION WITH THE INTERNAL REVENUE SERVICES. NO 1099C COPY B WAS NOT PRESENTED TO ME SO I CAN FILED MY TAXES PROPERLY. 

Reporting inaccurate information or willfully misrepresenting information is a violation of 15 U.S. Code 1692e - False or Misleading Representation. Additionally, According to 15 U.S. Code 1681b- Permissible Purpose I see two hard pulls on my report XXXX XXXX XX/XX/2022 and XX/XX/2022. I DID NOT GIVE CONSENT. NO DOCUMENTS THAT CAN VERIFIED THAT I GIVEN THEM PERMISSION TO VIEW MY CONSUMER REPORT. REMOVE IMMEDIATELY. 

I demand that TransUnion immediately correct these errors. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TransUnion does not have my consent to furnish this information, and any and all consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. I am opting out of TransUnion 's reporting services as permitted by 12 CFR 1016.7.

I request that TransUnion conducts a thorough investigation into these matters and provides me with written confirmation once the incorrect information has been corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information or documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Services Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject XXXX Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear XXXX, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within XXXX business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against XXXX filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues.Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$XXXX} per violation found on my consumer report Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i had ask for my credit report from all 3 credit reporting i got my report from XXXX, AND XXXX XXXX BUT NOT EQUFAX SO I CALL THEM TODAY XX/XX/21 I WAS ON THE PHONE FOR ALMOST ONE HOURE THEY KEEP PUTING ME ON HOLD I ASK TO SPEAK TO A MANAGER BUT THEY KEEP PUTING ME ON HOLD FOR LONG TIME SO AFTER 1 HOUR I JUST GIVE UP. 

JUST WANT MY CREDIT REPORT FROM EQUFAX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 


Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document DOES NOT constitute verification. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. whats attatchedXXXX XXXX complaint your " proof '' Dispute Letter.
Product: Credit card or prepaid card

My fidelity rewards visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit EXPERIAN permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

After my loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management, they would not accept any payments onto my account. I was advised to fill out a loan modification packet which I did and was denied. A denial letter was mailed to me where it indicated the reason why I did not qualify for a loan modification. The income they calculated was incorrect as well as the additional identifying facts they stated were also false and incorrect. I appealed the denial letter and Rushmore Loan Management refused to respond to my appeal and failed to address the errors at hand. Also they never sent me a notice allowing me an opportunity to reinstate the past due amount. There letter stated that I was not eligible for a modification because I failed to send proof of the good faith payment however, they never offered me any good faith payment or discussed any amount to send.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated and corrected. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX - {$8200.00} had been paid off and I was never late, I have sent several time a copy of the letter showing it was paid and it is still on my report. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

XXXX XXXX from Dynamic Recovery Solutions contact me XXXX/XXXX/XXXX XXXX from XXXX he said i owe {$1000.00} from original creditor XXXX XXXX original accout # XXXX, he said he had mailed out a settlement letter in XXXX or XXXX to a different address he gave me. XXXX said i could settle the accout for {$700.00}. I told him i believe that account was paid back in XXXX, i asked if i could have the telephone number associated at this time and he did not want to provided it, he asked if i had a checking account or credit card i can give him to pay for this account. I continued to get calls for 3 days 3 times a day i refuse to pick up the phone, on the last day they called his supervisor was on the phone and i was not aware of this, and this rude lady just came on the phone and annonced she was XXXX the supervisor and that she wanted to settle this account today, she was offering me a settlement offer of {$730.00} that i had to give her my back information. Then XXXX said the offer had expired because it was in XXXX, then he changed it to {$530.00} i told her i needed a copy of the original letter that was sent from XXXX XXXX to their company and the balance that they claim i owe. They do n't want to provide any information to me about the original creditor. I told them to send me to my email a bill from XXXX and they only emailed me a collection bill. I called back to XXXX get more information and have got no where. I contacted XXXX today and without the phone number they are unable to find me informaiton they did a name search and ss # number search and nothing comes up with my name. I check my credit report their is not collection on their from XXXX, i called XXXX and they said its not showing anything from anyone but a medical bill that is all. On XXXX and XXXX nothing shows up in collections, only that medical bill.