23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

COn XXXX/XXXX/2015, I overpaid my balance on my Citibank card ending with XXXX, leaving me with a credit balance of XXXX. I called Citibank and asked for a check reimbursing me for the credit balance and they agreed to send it. After a couple of weeks when it had n't arrived, I called again and they said they would cancel the XXXX check and send a new one. Neither check ever arrived. I called a XXXX time, and again they said they would cancel and reissue a check and double-checked my address ( I get junk mail from them all the time, so they do have the correct address ). None of the checks ever arrived. I called again on XXXX/XXXX/2015 and spoke to " XXXX '' who said he would transfer the money directly to my bank account. I gave him my bank information and double-checked it with him, but the money never arrived. 
Citi has cheated me out of my credit balance. It no longer shows on my account online. What should I do?
Product: Debt collection

XX/XX/XXXX I had an account with XXXX XXXX back in XX/XX/XXXX. XXXX was the creditor for their credit card at the time. My limit was only XXXX. XXXX charged me some promotional financing Charges that I did not agree to and during the course of trying to fix it XXXX went bankrupt and XXXX XXXX took over.

XXXX XXXX turned the matter over to the Bureaus. The Bureaus turned it over to the XXXX XXXX XXXX XXXX XXXX XXXX. They went to court and got a judgement against me in XX/XX/XXXX. I didnt know of the court date. They are charging me 10 % on the dollar saying its the law. I have been making steady payments since XX/XX/XXXX. I offered to settle in XX/XX/XXXX for {$1500.00}. The countered with {$2100.00}. I could not pay that amount so I resumed my regular payments.

I called today, XX/XX/XXXX at XXXX to get my new payoff balance. I spoke with a XXXX XXXX who said my balance is {$3200.00}. This is criminal to me. I have paid already paid {$1700.00}. How can a {$2500.00} credit card bill now be almost {$5000.00} and rising. I understand fees and all but {$2000.00} in fees is not fair.

I will pay what I owe but the interest is unfair and I like to file a complaint. What can I do? I have attached some documentation that I have. I have requested a copy of the court order.
Product: Credit card or prepaid card

I was fraudulently charged on my credit card and the bank decided on the favor of the merchant that charged my card with out asking me anything. I kept calling and they said they are reopening the case and they are not doing anything about it and still charging me. 
I have been with Bank of America for more than 30 years now and feel that the bank should be protecting its customers against people that are stealing. 
The charge is from XXXX XXXX in the amount of {$2100.00} on XX/XX/2021
Product: Credit card or prepaid card

Bank of america wont send me another replacement card I need it urgently. I need my debit card I got bills to pay and if not I would take u guys to court
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent accounts from my credit report. These accounts are not mine and are the direct result of identity theft. Details of the fraudulent accounts are as follows : XXXX. XXXXXXXX XXXX XXXX - {$4000.00} ( Account No. XXXX ) XXXX. XXXX XXXX - {$19000.00} ( Account XXXX. XXXX ) XXXX. XXXX XXXX XXXX - {$650.00} ( Account No. XXXX ) Despite submitting multiple disputes to Experian, including an ID Theft Affidavit and supporting documentation, the accounts remain on my credit report. This continued reporting of inaccurate information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to thoroughly investigate disputes and remove unverifiable or inaccurate items promptly. 

This issue has caused me significant financial harm and stress. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request their intervention and hold Experian accountable for their failure to comply with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit union account with XXXX. As part of their approval process, they outsource their approval process to XXXX XXXX. 
I have a transunion credit score of XXXX or EXCELLENT. 
I was rejected the account based on data from XXXX XXXX. XXXX referred me to Chex Systems for more information. I spoke with XXXX XXXX who REFUSED to tell me why my application was rejected. I am XXXX years old. I have several bank accounts, am financially secure and have NEVER been decline for any bank, credit card, etc. I was told I would need to put in a formal request for the reason and it would take 5 BUSINESS DAYS after that submission for XXXX XXXX to MAIL the information to me. This " company '' refuses a strong applicant then won't tell the applicant the reason and MAKE THE APPLICANT WAIT two weeks? This is ridiculous. The government needs to pull their license. They have told the bank to reject me but refuse to tell me why. PLUS there is no legitimate reason to reject me. 
The government needs to stop this company from destroying other citizen 's financial records. 
I asked to speak to a manager and XXXX refused to transfer me. She told me to talk to the credit union. I spoke to the credit union and they have no details as to why I was rejected.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Inquiries : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  account number # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

U.S Bank opened XX/XX/24 {$2000.00} This is an unauthorized account My information was exposed in a database breeches
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX sold a closed and charged off credit card account to a collection agency in XXXX ( Portfolio Associates ) The credit card account was opened in my name. XXXX states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at XXXX XXXX  where I was given this information. But, XXXX XXXX  is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, XXXX XXXX  is double reporting an account they do not own. XXXX XXXX  is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( XXXX XXXX  ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( Portfolio Recovery Associates ) is also reporting this account to all three major credit bureaus as an active collections account. 

Portfolio Recovery Associates is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued Portfolio Recovery Associates in XXXX the Commonwealth won a class action lawsuit against Portfolio Associates for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) Portfolio Associates agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement Portfolio Associates agreed were ordered to stop collection activity from Social Security Disability ( SSDI ) recipients. In short not only is Portfolio Associates in flagrant violation of the terms of their very own settlement agreement both XXXX XXXX  and Portfolio Associates are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. Portfolio Associates is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. XXXX is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance of {$780.00}XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This has been an ongoing issue, however, today topped the cake. OneMain called me a total of XXXX times today and left XXXX messages. Additionally, my payment was made last week ( XXXX ) which was prior to my due date of XXXX. I feel as though this is an attempt to retaliate because of a CFPB complaint that was previously filed for an unrelated issue. This is not the XXXX time OneMain has called to collect on a debt prior to my due date. Nor is it the XXXX time they have called more than XXXX times in a day. I have even informed OneMain that their collection practices are illegal, however, they have disputed this with me and continue to attempt to collect illegally.
Product: Checking or savings account

XXXX - XXXX - XXXX XX/XX/year> XXXX XXXX XXXX - XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX FL Filed police report and claim with chase bank. Chase denied the claim because the fraud was done in my local area. They also said they are unable to prove fraud because I did not file a claim on certain transactions that took place after my card was stolen. This is because I also use a digital wallet. Chase is refusing to hear me out or state my case. They simply state I must prove the transactions are in fact fraud. Police report is not enough. I dont know what to do. I need help.
Product: Debt collection

Transunion Fraud Dept, Transunion you keep verifying the XXXX  XXXXXXXX account which is fraud XXXX can not charge interest on a close account which you are verifying and makes you a part of the fraud { XXXX has been charging interest every month after the charge off date damaging my credit score }, causing personal and emotional stress to my self. I see that XXXX and XXXX has been sued for false verifying accounts I'm sure you do not want eyes on you. Transunion Knowing its illegal to report this on my credit report I ask you to provide to me through the CFPB in detail how you report this fraud
Product: Checking or savings account

An app, XXXX XXXX, has not been updated in 7 days. This has caused the app to stop functioning. There is little to no communication from 5/3 Bank.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a serious issue regarding my credit report. I have been a victim of identity theft, during which my personal information was used to create multiple fraudulent credit files across various credit bureaus. To address this situation, I submitted a Federal Trade Commission ( FTC ) fraud report and promptly notified each credit bureau, including XXXX, XXXX, and TransUnion, of the incident. I also outlined the measures I have taken to mitigate further damage to my credit profile. Despite my efforts and the submission of the necessary documentation, my credit reports still reflect the incorrect information that has resulted from this fraudulent activity. I have not yet received a response from any of the bureaus, and the incorrect data remains on my credit files.
Product: Debt collection

I Recently contacted State Collection Service ( XXXX XXXX, WI XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX-XXXX ) via mail concerning verification of the following accounts XXXXxx XXXXxx I have no knowledge of these debted accounts and want to be sure im not a victime of identity theft. 
According to the FDCPA i have a right to any and all documentation with my signature connecting me with these accounts. I have requested such documentation in writing and the State Collection Agency have not provided me with it thus far which makes the non compliant with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( Transunion : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the email about your current settlement with Credit Karma about their deceptive practices of " pre-approved '' claims. I just received an email, from them, and noticed that they've changed their wording to " you have outstanding odds ''. Seems to me that's just as bad as their " pre-approved '' claims. Doesn't seem like they learned anything from the money they have to pay out.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE CREDIT REPORTING AGENCIES, A NUMBER OF MY ACCOUNTS HAVE BEEN CHARGED OFF AND SOLD IN XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NEVER RECEIVED A 1099-C FORM FROM ANY OF THEM.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Prepaid card

I was gifted this card by a family friend. The value was {$200.00}. Since receiving the card, I have tried numerous times in XXXX and XXXX to request balance and use the card to no avail. I have attempted looking up the balance at XXXX as well as their phone number provided on the back of the card XXXX. I have tried requesting help on the website, however, the links are broken. I can see many complaints about this card on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, credit cards in my name were taken out beginning in XXXX of 2021. There is one specific person that has done this and bragged about doing so online through various social media outlets. Ive tried filing complaints, pursuing charges, police reports etc with absolutely no resolve or help by local authorities as this person lives in another country. My credit remains affected. My life remains affected. I need these more than TWENTY credit cards opened without my authority by this criminal to be dropped.
Product: Debt collection

On XX/XX/20 Portfolio Recovery Debt collection attempted to contact me for someone else 's debt, when confronted with this, they claimed 'someone else gave me your number ' and apologized, claiming they would not call me again regarding this debt. They used XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX was the agent 's name. It was at XXXX XXXX  and from a XXXX, NC area. 

On XX/XX/20 I received another phone call from a Portfolio Recovery debt collection from a XXXX, WA number XXXX ( XXXX  ) XXXX. I attempted to call and was denied their address for a cease and deceased letter, instead told that 'lets see what we can do instead ' from their agent, whos name wasn't received or heard. She informed me that the number was 'the number given to them ' to call. She apologized, and stating that it should have been fixed in their system, not to call me the previous time. She said it should be fixed now. 

I have blocked this number, as well as the previous one, both were told not to contact me again. This is bothering me, as the debt is not mine and they are finding new numbers and locations to harass me from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX , has violated my rights.

I looked at my Equifax credit report multiple times, more recently on XX/XX/year> and noticed some items are still incomplete and inaccurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.