23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The bank sent me an email stating they had detected " no card present '' fraudulent activity on my account via my new chip technology ATM/Debit card, which I very seldom use, and that they had declined the transactions until receiving verification from me as to whether the transactions had been attempted by me, or someone else 's. Please see attached. When I replied it was not me, a customer service representative called me immediately and instructed me to destroy the card, which I did. The representative proceeded to tell me they were opening an investigation and would issue temporary credit to my account, but they later told me they were denying the claim for fraudulent activity and would not be reimbursing the monies. I closed my account yesterday, after having been on the phone at the branch, because the branch manager told me there was nothing they could do at the branch, and that, like me, the only recourse they had was to go through the Claims Department, which only handles everything via telephone. PLEASE HELP. Chase is stealing approximately {$700.00} from me, saying that since I have an on-line account, I should have noticed the fraudulent activity and reported it immediately, and that I should call the authorities if I was n't happy with Chase Claims Department 'd decision to not reimburse me. 
XXXX XXXX XXXX - Cell XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is a corporate account that they XXXX XXXX is stating I owe them {$2200.00} XXXX
Product: Debt collection

Midland Funding and XXXX XXXX are both reporting as Factoring Companies on all of my credit reports. Factoring is done on current accounts, not those that are in default and have been sold off to a collection agency, which are what both companies are. 
Since they are reporting as a Factoring Company, I would like for both Midland Funding and XXXX XXXX to prove that they factored the accounts while they were still current.
Product: Credit reporting or other personal consumer reports

I did a recent check on my credit report and found some unrecognized inquiries.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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. 

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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ALL Bankruptcy information ref # s XXXX, XXXX, XXXX, XXXX, XXXX currently showing under XXXX XXXX and all variations of my name and social security number is to be PERMANENTLY DELETED, SUPRESSED & REMOVED from all consumer reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of unauthorized inquiries on my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following hard inquiries were not authorized by me : Unauthorized Inquiries : 1. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit card or prepaid card

Discover closed 2 credit card Ive had for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
Being that the payment history in inaccurate for both, this item must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX Suntrust Issue : Student Loan Servicer continues to erroneously report past due payments on 8 federally backed student loans when the accounts were or should have been in In-School Deferment status during all months that are reported " late '' Suntrust was a servicer of 8 of many federal student loans which I consolidated in XXXX XXXX. XXXX  Suntrust is reporting late payments on all loans from XX/XX/XXXX-XX/XX/XXXX as late. The status reported specifically is 30 days, 60 days, 90 days, 120 days ( progressively late by 30 days each month ). Prior to consolidation in 2017, I had multiple loan servicers -- and not one of them reported the loans as late because they were notified by the Department of Education Clearinghouse that I was a full-time student. 

I contactedXX/XX/XXXX Suntrust by phone on or about XX/XX/XXXX. The agent that I spoke with said that the accounts should not be reported as late. I followed the call up with a letter because I had previously filed an online dispute with the credit bureaus to which XXXX Suntrust responded certifying that their reporting was correct. 

It appears that the XXXX Suntrust accounts were deleted from two bureaus because the accounts " aged out. '' However, the accounts are still reporting on XX/XX/XXXXas I got a second notice of XXXX " certification '' that the late payment reports were correct. 

I am submitting this report because I intend to file an action against this company for continuing to report erroneous information after the company was on notice that the status of the loans was In School deferred and thus should either not be reported or reported as on time and current. The Shelter-in-Place directive has brought non-essential federal court proceedings to a halt. I realize the CFPB is not a judicial body. This is to document the timeline of my complaint for statute of limitations purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.
Product: Credit card or prepaid card

I was at an establishment XXXX XXXX on XX/XX/2022 and the merchant attempted to charge several CC for various amounts. They attempted anywhere from XXXX to as low as XXXX dollars. My Costco CTI Credit cards was charged amounts of XXXX and XXXX. I disputed these charges immediately and it looked as if CTI had not paid the vendor. After several mistakes from CTI stating they didn't receive my emails which later I called in and had proved they have sided with the vendor with no explanation. I received a letter on XX/XX/XXXX stating that they have closed the dispute as the vendor refuses to pay the amount back. This is a defiant fraud case and now I owe over XXXX in CC bills. When attempting to contact the CC company they state the issue is resolved and there is nothing further they can do. I have stated I would go to court and testify if needed or whatever they need from me but the CC company seems to want me to owe the XXXX. I have also filed a a case with the FTC XXXX. I will also be filing a police report.
Product: Credit card or prepaid card

I bought XXXX lower XXXX XXXXXXXX for {$310.00}. MY FFL did not get approved. I was told I would be refunded the money but never was. I complained to Citi Bank 2 days after the transaction and they refunded the money back to my credit card. A few days later my credit card was charged again by XXXX XXXX?? company for the {$310.00}. I called Citi Bank to complain. I sent in all the information they requested. Citi Bank waited way to long to process the complaint as Fraudulent and could not recover the money. I spoke to Citi Bank numerous times on recorded lines, that I requested, and was told that the XXXX companies are separate " entities ''. I filed a complaint with the XXXX as well. To me that means I was charged by a company I did not authorize. On XX/XX/2022 Citi Bank called me, a XXXX XXXX, from the Executive office. She said noting else can be done and they are the same company. She also asked for a confirmation that XXXX was refunding the money. I sent this to Citi Bank numerous times and have attached it to you as well.
Product: Money transfer, virtual currency, or money service

I opened an account with Celsius Network and transferred money into what I thought was a saving account with interest. The CEO of the company XXXX XXXX XXXX XXXX XXXX publicly assured customers like myself every week on XXXX that the funds are safe. What we did not know is that he used our money to fund other failing businesses. He tried to cover it up with new deposit. This is a clear definition of a XXXX Scheme. Celsius Network filed for bankruptcy and now all of our money are gone. XXXX XXXX XXXX and his associates are still playing around with this company and drawing substantial amount of salary every month using depositors ' cash. 

I hope that you would investigate this company and particularly XXXX XXXX XXXX and all of his associates in this matter. Hundred and thousand of depositors have lost their life savings because of them. This is another XXXX XXXX case. 

Thank you for your time and consideration.
Product: Mortgage

Our mortgage company, Guaranteed Rate, is not handling our COVID forbearance correctly and we are now in foreclosure.

We requested COVID forbearance XX/XX/XXXX. They requested paperwork and after going back and forth for several months submitting and resubmitting the same information, they reported us as delinquent to credit agency XX/XX/XXXX. We complained and on XX/XX/XXXX Guaranteed Rate called and apologized, and they said they would reverse the credit impact and put us on the covid forbearance. 

Our mortgage company, Guaranteed Rate, is not handling our COVID forbearance correctly and we are now in foreclosure. 

However, they still have not done that. Now, the forbearance is over as of XX/XX/XXXX and they immediately started putting us into foreclosure proceedings. We called XX/XX/XXXX and we were told that we had until XXXX before we would be delinquent and that we needed to submit paperwork. We have submitted the paperwork they requested, but they continue to ask for more. We did ask to have the forbearance extended or discuss how to repay, but they still have us in the regular forbearance and do not know how to handle this as a covid forbearance. Foreclosure paperwork was posted on our door today XX/XX/XXXX. 

We need help working with them to get this straightened out and make sure our home isn't foreclosed on.
Product: Mortgage

On XX/XX/XXXX I submitted an application for Mortgage Payment Relief. I called the following week around XX/XX/XXXX to ask about the status of this application. I spoke with XXXX XXXX, a dedicated agent, who advised me that the application was received and that I would receive a letter outlining trial modification terms. I asked if I should proceed with the XXXX payment while waiting on this letter and he stated that no I shouldn't make a payment and instead I should wait for the final response outlining the modification. He stated that there would be no negative credit reporting or past-due payments. On XX/XX/XXXX I was notified that a late payment was reported on my credit report. I immediately made the payment. I submitted with XXXX a Credit Reporting Review Request to fix the erroneous credit reporting which was later denied. I was truly misled by XXXX regarding this entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$300.00} Account Name 1.C. SYSTEM, INC Account # XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements.
Product: Credit card

On XX/XX/XXXX I applied for the XXXX  credit card through Chase. The next day Chase reached out to tell me the application was Fraud and not me and was denied. I reached out and talked to a representative and sent them a copy of my electric bill and my driver 's licence as well as verified a lot of personal information I was not comfortable saying over a phone call and they said to check back in 5 business days. I checked back in the next week and was told the same thing but to wait 5 to 7 more business days. I called back after 7 business days and was told I needed to go to a Chase Branch and verify then they can push the application through. I went straight to Chase and the banker verified I am who I claim to be and called the number to push my application through. I was informed that my application was denied for lack of verification but they could not say what needed to be verified. I have the ding on my credit score for the check but nothing to show from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Final response has been made to Equifax sent by XXXX certified mail # XXXX and delivered on XX/XX/2023 regarding a final opportunity to cure this problem whereas they have been given ( 72 ) hours to perform and has failed to meet their obligation and now all correspondences will be used as evidence in a suit for relief sought on behalf of the consumer.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement
Product: Credit card or prepaid card

I applied for the Citi XXXX card on XX/XX/2021 due to the XXXX opening bonus. Unfortunately, the card routinely declines charges and the bank freezes the account regularly. I have spent hours on the phone with them. I also submitted a CFPB complaint regarding this issue a month ago. At that time a Citi representative assured me the problem was fixed. This morning the card declined 3 of my attempted charges and now the account appears to be frozen again. I pay my bill as agreed. The charges are not unusual. There is no reason for the bank to behave this way towards me.
Product: Mortgage

Purchased our home in XXXX of XXXX. Our XXXX payment was made in XXXX of XXXX. Loan care servicing center was responsible for taking our payment and process it. We made our payments on time every month and never sent in a payment, I always called and spoke to someone and they made the payment as an ACH transaction.. Our mortgage was sold in XXXX or XXXX to XXXX. We continued to make monthly payments to them via phone. It was n't until XXXX that we called to make a payment and were informed we were 30 days behind. After many phone calls we disputed a missing payment they said we had in XXXX XXXX. After faxing and emailing proof of payment they changed the month of the missing payment to XXXX of XXXX. After this date was verified payed just a few months ago the now new date up for dispute is XXXX of XXXX. We have provided and ACH transaction proof from our bank and we 're told by the End of XXXX XXXX we would be receiving a letter letting us know the problems had been corrected and the late fees and missing payment would be resolved on my husbands credit report. This case has been escalated 3times in a year. As of the XXXX of XXXX, we received yet another email saying the ACH transaction was not enough evidence. After having a XXXXway conversation with our current mortgage company and loan care the night of XXXX XXXX, Loancare hung up on us twice and we nothing was resolved. We have sought legal advise and Loancare still refuses to fix the mistake on their end. They have our transaction for XXXX XXXX being sent back to our bank as insufficient funds. We have provided them with proof on our bank statement that it was never put back in our account and the ACH transaction was posted to the account. They have more than enough proof and are refusing to accept something happened on their end. This has been over a year we have been fighting this and my husbands credit has been ruined in the process. Attached is all the proof we have ever given them and they are still saying it is n't satisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account in XX/XX/2018 and on my TransUnion and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
Product: Credit card

I just received a notification that a new American Express account was added to my credit reports. Not only have I've been previously trying to get American Express to remove an authorized user account from my reports, now they added another authorized user account without my knowledge or consent. I don't even know where the card is being sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX