23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi, This is related to CFPB complaint XXXX. As of XXXX  Citibank has yet to credit the bonus and they are continuing to toss me around when I call in to get an update on the case. " No one is available '' and getting hung up on has happened three times today. 

Best, XXXX XXXX
Product: Credit card or prepaid card

I have reached out to the creditor on multiple occasions asking for assistance. I am struggling due to being XXXX  with XXXX. The creditors response ... ..lowering credit limit to a few XXXX dollars above balance, charging fees and refusal to accept partial payment.
Product: Debt collection

The company, ProCollect Incorporated, located in XXXX, TX sent a piece of mail to my home dated XX/XX/2022 stating that I owe {$3000.00} to the account # XXXX with the customer # XXXX. The letter states that the creditor was " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' They have asked me to make a payment arrangement as soon as possible with the agency, abbreviated as PCI, or to pay to the Leasing agency. It was signed by a XXXX XXXX from PCI. 

I have contacted the company to dispute the charge, explaining that this was fraudulently charged and they are adamant that my personal information on file is correct and that the debt is owed regardless. I have since frozen my credit with the three major bureaus and changed my accounts as I am able. 

Please help me resolve this issue as it is very distressing and damaging. 

Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Under 15 USC 1681 - Data Breach-Related Issue Dear CFPB, I am writing to dispute an issue related to a recent data breach. My personal information was compromised, and I have reason to believe that my credit report and/or financial accounts may have been affected.

The details of my dispute are as follows : - Date of Data Breach : XX/XX/2024. 

I request that the CFPB investigate this matter and take necessary steps to : 1. Remove any unauthorized accounts/inquiries/errors from my credit report.

2. Provide me with a complimentary credit report and credit monitoring services. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Filed original refinance in XXXX of XX/XX/2021, today is XXXX of XX/XX/2021and its still not done. I keep receiving various excuses and have had multiple people help me. They constantly do not notify me on updates and do not communicate with me regarding the process. 8 months later they are still giving me the runaround. Next they ran my credit by misinforming me my file has been closed and I need to restart the process, which is false. Next they said they would waive the appraisal because of the value but they come back and say they have no choice to do it. Ive had multiple values given for the house and nothing seems to make sense with this company.
Product: Payday loan

I keep receiving calls at my work cell ( never gave this number ) and my personal number during working hours about some debt that was already settled back in 2015. They keep calling and harrasing
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information Violations of Federal Consumer Protection Laws Dear TransUnion, I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the XXXX XXXX ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( XXXX XXXX ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I rented a XXXX  I paid the loan off in 4 payment they said I owed for another loan I disputed it they refused to produce the contract where I agreed to any other loan and then they reported inaccuracy 's on my credit report and now they say that I owe for 2 different loans that they have charged off. I did not signing up for any other loan but the loan i paid off and I am a Victims of the security breach by XXXX XXXX and Affirm I want it removed from my credit report immediately and compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55.00} ( This has been paid in full ). 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$65.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

Credit line reduced causing adverse and detriment to my credit. 

Original credit line was {$9000.00} as of XXXX XXXX, 2024 Utilization was approximately XXXX XXXX PenFed took action without notifying me after this date. 
Current credit line reduced to {$7300.00} Subsequent Utilization now reflects XXXX XXXX usage. 

Phone call onXX/XX/2024 to PenFed XXXX Information gathered : Agent told the customer the reason action was taken was due to inactivity on the card. 

Requesting the original credit line be restored was unsuccessful. 
Agent/representative informed me that no customer could request an increase at this time. 
Agent also acknowledged the harm and damage caused to my credit. Encouraged me to open another credit card instead of resolving my issue. 

Agent was unwilling to prevent damage to my credit as reflected by the higher utilization. He acknowledges the company has harmed me. 
Information regarding compliance to USC code was requested but never sent to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. 
Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.
Product: Student loan

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

NELNET XXXX XXXX Balance Owed : {$1300.00} NELNET XXXX XXXX Balance Owed : {$1100.00} NELNET XXXX XXXX Balance Owed : {$670.00}
Product: Debt collection

Around the beginning of XX/XX/XXXX I received a letter from Commonwealth regarding 3 medical bills dated XX/XX/XXXX in the amount of {$58.00}, XX/XX/XXXX in the amount of {$360.00}, and XX/XX/XXXX in the amount of {$110.00}. As I was unaware I had any existing medical debt and I had no knowledge of what these bills were for ( and still do not as to this day ) I requested Commonwealth send me the original bills and paperwork proving I am financially responsible for these medical bills and that they are even mine, these were from XX/XX/XXXX. Eventually Commonwealth mailed me paperwork, but the paperwork were documents they created. None of the paperwork they provided was original, anyone could have gone on a computer and created these documents. Even at the top it is there letter head. I contacted them and requested additional information as what they provided was what they created and not original bills, in fact their created documents listed insurance but there are no details providing specifically what was paid it was just some random number they created on their documents at the end what I supposedly owe. The credit collection company is refusing to provide me with original documents to show that I am in deed responsible for these so called bills. Again I can't stress enough they created their own documents to send me, nothing is original. I have attached those documents. I would like assistance with having these bills removed from all 3 credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I have filed with XXXX XXXX for consolidation, notified XXXX XXXX about it. They keep threatening me and harassing me calling me up to 10 times a day saying if I dont make a payment they will file litigation. I have advised them to contact my debt consolidation company and they refuse saying they dont work with them as they are a private company. They just continue to Harrass me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX XXXXXXXX. My brother in law WITHDREW the claim. On XXXX XXXX XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is double dipping and holding on to other funds of mine all while getting the money back from XXXX XXXX XXXXXXXX. I am attaching the complete paper trail showing that XXXX XXXX XXXXXXXX shows the claim as WITHDRAWN, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here. As XXXX XXXX  XXXX has already taken the money and I keep getting nowhere with Venmo, my brother in law and I have called XXXX XXXX XXXXXXXX again today on XX/XX/XXXX and XXXX XXXX XXXXXXXX said the following " XXXX has stated that they have sent the funds to the banking service that Venmo uses. They noted that it can take 30-45 days to go from the bank to the vendor, and are advising to have us or Venmo reach out to their bank to inform them the case is closed. ''
Product: Credit card

Macys said I open an account for a credit card in XXXX XXXX. I never received a card and never had access to the account even to this day. 
It wasnt till XX/XX/XXXX that I realized that the account was delinquent I had no means of being aware of any of it until it hit my credit score. I tried to talk to Macys about it. I ended up {$200.00} to rectify the account stuff but my credit score has not recovered.
Product: Payday loan, title loan, or personal loan

Like I have provided I have been in prison I am currently receiving disibility check from the veteran department since this loan is now at the seven year mark and theres no way I can realistic pay it with what I make would this company consider a 1099c or if your company coild please remove it from my credit report I was not notified of the account going into forcloser and I have no way to pay it and it is now in the seven year period allowed bi federal law to report.
Product: Mortgage

SPS needed the XXXX ( included see proof ) was faxed prior to due dated!
Product: Checking or savings account

I opened the online BBVA Clear Connect checking account online with promo code XXXX on XX/XX/2018. The promo is for a {$100.00} account credit after making an online payment to a water, utilities, etc. company in the amount of at least {$25.00}. There are no direct deposit, account minimums, or requirements to keep the account fee free. I have completed the requirements and have waited the 90 days but my account hasn't been credited with the {$100.00} online account opening bonus. I did contact BBVA bank  by phone sometime in XXXX about the bonus and was told to go into a branch location to discuss the issue. There are no branch locations in my state. I feel this is a trap because the online bonus doesn't mention anything about having to reside in a state with branch locations.
Product: Credit reporting or other personal consumer reports

Experian has not updated my credit report regarding my Mortgage satisfaction payoff since XX/XX/XXXX XXXX
Product: Consumer Loan

I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.
Product: Debt collection

XXXX insurance billed me in 2016, they claimed for non payment of their premium for 1 month the sum of {$410.00}. I have tried to get validation for the excessive amount to no avail. It seemed by my switching Insurance company this bill was a retaliation and abuse of consumer information. We have the right to change insurance companies without worrying about our credit being affected. This abuse of credit reporting should not be tolerated and privileges should be revoked. And to add insult to injury they lied about when the debt originated so that it stays open and renews yearly. This fee is unsubstantiated and excessive.
Product: Credit card

My Chase XXXX west card is charging me 19.21 % interest.
Product: Vehicle loan or lease

On XX/XX/2024, I sent a {$2900.00} check to the Westlake Financial payment address to fully satisfy the loan balance and pay my car loan off. To this day XX/XX/2024 they STILL have not cashed, deposited or sent the check back to me. XXXX so beyond done with this. I have sent numerous emails to the inbox asking for an update to the status of when I can expect to receive my title. Today I received an update from the credit bureaus advising that I am late on my car loan payment. XXXX! I just want my loan paid off and my credit fixed from this.
Product: Credit reporting or other personal consumer reports

Personal Information was leaked in Data Breach an I have unknow inquires on my credit unknown resources and I contacted them and They gave ma a time frame and Did Nothing. This has cause my credit to drop Drastically. XXXX XXXX XXXXXXXX as well XXXX XXXX