23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022, I contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that XXXX XXXX uses Transunion Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from 6-18 % with loan terms of 12-60 months. 
On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on Transunion. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my credit score was a XXXX, which is demonstrably false. 
On XX/XX/2022 I reached out to Transunion to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a 19-point drop, and is currently XXXX. 
On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from Transunion. I provided all the evidence I had via email. 
On Monday, XX/XX/2022 I contacted XXXX ( XXXX XXXX ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact Transunion again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail. 
XXXX XXXX XXXX  has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.
Product: Debt collection

They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill
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 Acct # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : 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.

15U.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.

These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Checking or savings account

XXXX XXXX XXXX Chase Fraud Disputes Claim # XXXX Claim # XXXX  -On the morning of XX/XX/2018 my Chase debit card and phone were stolen while I was in New Orleans . My assumption is that they were stolen by a girl I had over to my room, but I have no way of verifying this. It

legitimately could have been gone earlier in the night. -My Chase account was completely drained of nearly {$4000.00} - my entire life savings. -I realized this when I woke up at my hotel in the mid XXXX. I went to get my phone to text & realized that it
, along with my debit card were nowhere to be found.

-My phone had no password & my pin along with other identifiable information were stored multiple places in it The purchases/ cash backs were as follows : # 1. XXXX XXXX XXXX XXXX XXXX  : {$7.00} purchase # 2. XXXX XXXX   # XXXX  : {$5.00} purchase + {$50.00} cash back # 3. XXXX XXXX  # XXXX : {$65.00} purchase + {$25.00} cash back # 4. XXXX XXXX XXXX : {$4.00} purchase + cash back {$100.00} # 5. XXXX XXXX XXXX # : {$10.00} purchase + {$100.00} cash back - Can not indefinitely say location based on information # 6. XXXX XXXX XXXX  Purchase : {$12.00} + {$100.00} cash back # 7. XXXX XXXX XXXX XXXX : {$17.00} purchase + {$100.00} cash back - Can not locate based on transaction information # 8. XXXX XXXX XXXX XXXX : {$500.00} purchase # 9. XXXX XXXX XXXX XXXX  : {$500.00} purchase # 10. XXXX XXXX XXXX XXXX XXXX : {$500.00} purchase # 11. XXXX XXXX XXXX XXXX : {$500.00} purchase + {$100.00} cash back And withdrawls of {$100.00}, {$100.00}, {$100.00}, {$400.00}, and {$400.00} -Chase has given me the timing of some of these transactions, which took place around XXXX-XXXX. The others I have not yet received information regarding.

-I was able to map these charges out via the transaction information and have found their locations to be scattered throughout the city of XXXX XXXX , in particular, along a major highway in the city. The transactions halted, of course, when my bank account ran out of funds.

-Additionally, Chase has informed me that they called my phone and sent a password via text to verify one of these transactions at the time of the occurrence. As stated previously, my phone was stolen. I am providing the receipt of the new phone in the documents section.

Chase has told me this case is closed, as I can not prove that these purchases were made by someone other than me. The only way I can get them to reopen the case is if I provide substantial evidence that it was not me- which takes a ton of time ( getting videos, police report, etc ) all while Chase has taken my entire life savings away.
Product: Credit card or prepaid card

I have ordered hundreds and hundreds of gift cards online via XXXX on behalf of my son 's school for teacher gifts ( for our school 's parents ' association- we get donations and we purchase cards to give out as holiday gifts, end of the year gifts and raffle gifts ). Recently- we had 3 {$100.00} gift cards come back to us with fraudelent charges. They were never lost or stolen. The charges were mostly paypal charges. It's clear that XXXX was hacked and these specific cards were compromised. I purchase all of my gift cards online. When I called to get replacement cards, I was told by XXXX on XX/XX/2023 that I have to contact the vendors ( i.e. XXXX ). However, we know that will go no where and I believe that XXXX is at faulty for not having proper security. I have been on the phone now for XXXX XXXX hours on hold as no one will address my concerns. Amex needs to stand behind their product. If our cards were compromised because of Amex 's poor cyber security, I should not have to pay for it. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called on Wednesday, XX/XX/XXXX, XXXX 's customer service line and bounced from agent to agent I was told that they will not replace the card and instead I need to get reimbursed by the vendor. The vendor in this case were several vendors, mostly payday in small increments probably to hide the fraud and make it difficult to track. That to me is an unacceptable resolution. I will not make 30 phone calls to try to get {$10.00} back at a time. I then escalated it to a XXXX, but she also would not replace the cards. When I asked her to transfer me to her XXXX, I waited on the phone for HOURS. When the XXXX was " ready '' and my phone call was transferred, it only sent me back to the main switchboard. I was on the phone for XXXX hours in total waiting to speak to another XXXX. 

This should not be my problem, I should not have to hunt down these charges. Amex should stand behind their product and send me XXXX new {$100.00} gift cards as it was their poor cyber security which compromised my cards. 


Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

citi bank some how put me in a protection program that I did not need. A  XXXX  a month now I wonder why a  XXXX  coming out of my account. I told them to cancel it they told me I have to pay for it. I told them that I have to pay for something that I did n't want. I do not want that service and they are trying to make me pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint against Navient regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to Navient. Navient emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now Navient has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Shellpoint mortgage servicing send me a certified letter yesterday XX/XX/XXXX and they did not address my concerns at all but a new amount again mow they claimed I owed them last month They are trying to get me into a loan modification why las time XXXX XXXX XXXX did they add {$110000.00} more to my mortgage loan well again I do not mine at all if they help me but my last complaint was about getting to know why im not into my loan modification the one on XX/XX/XXXX why??? This company is making me sick with all their lies and corruption again they send me a letter with my wife 's wrong name and a singed that was done here in florida the law she singed for the titile she was not in my loan her bankruptcy was in XX/XX/XXXX for a different reason and I got my loan modificacin on XX/XX/XXXX No prove of where is the shores or missing month they claimed I owed them last week I called their lost mitigation office and at first they did mot know anything and then they said was it was on XX/XX/XXXX I got a copy from my bank for those months and 6 months stating last month now they saying it is last mount
Product: Credit card or prepaid card

To Whom It May Concern : I am writing to you today to file a complaint against Citibank , N.A . for charging me interest after I paid my balance in full and in time according to the terms of my credit agreement. 

On XX/XX/2023, I made a payment to Citibank , N.A . in the amount of {$13000.00} to pay off my entire balance. The due date for this payment was XX/XX/2023. I received a confirmation from Citibank , N.A . that my payment was received on XX/XX/2023. 

However, on XX/XX/2023, I received a statement from Citibank , N.A . showing that I was charged interest in the amount of {$160.00} on my balance. I was very surprised to see this charge, as I had paid my balance in full and in time. 

I have reviewed the terms of my credit agreement with Citibank , N.A . and it states that I will not be charged interest on purchases if I pay my monthly Citi Flex Plan Payment Amount plus my entire balance, excluding any Citi Flex Plan balances, by the due date each month. I met all of these requirements, so I believe that Citibank , N.A . is charging me interest illegally. 

I am requesting that you investigate this matter and take appropriate action. I believe that Citibank , N.A . is violating the Truth in Lending Act ( TILA ), which is a federal law that protects consumers from unfair and deceptive lending practices. 

I have attached a copy of my statement showing the interest charge and my credit agreement which is in the last page of same document. 

Thank you for your time and attention to this matter.
Product: Debt collection

The company is called tds its a internet provider, I closed my account with them, but was never notified I owed a balance, I wasnt able to log back into my account to even possibly pay for that balance because they suspended my log in after I canceled with them. This happened in XXXX of XXXX  its a balance of XXXX $
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX, XX/XX/XXXX, I REQUESTED I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. ON TRANSUION DATE LAST REPORTED IS XX/XX/XXXXXXXX  PLEASE REMOVE FOR FAILURE TO UPDATE AND COMPLETE investigation IN THE allowed TIME EXP AND EF HAS ILLEGALLY ALLOWED THE CREDITOR TO REAGE MY ACCOUNT BY A YEAR PLEASE REMOVE THIS ACCOUNT FOR VIOLATION
Product: Mortgage

Hello, my name is XXXX XXXX and i already send XXXX complains against debt collector XXXX, BOA and XXXX XXXX and their attorney XXXX XXXX! 
I rescinded the alleged loan XX/XX/2015 sinse the court did not go by the rules and did not take my discharge of the alleged debt into consideration. 
They received it XX/XX/XXXX and did not sue me in the 20 day frame.They waived their right to do so. 
so the deed and note is null and void!!!!!!!!!!!! 
Plus they ( XXXX XXXX violated all kinds of XXXX XXXX XXXX laws which i will bring up in Federal courtPlease help
Product: Credit reporting, credit repair services, or other personal consumer reports

Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed. 

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries.

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved asap.
Product: Consumer Loan

The finance person at XXXX Nissan kept told me that it was required for me to have all of these extras financed into my auto loan. Upon reviewing other standards, the extras such as gap insurance and required warranteys are not required. I over paid, and could not afford my payments, and they reposessed the car. When they repossed the car, they did not tell me what was in my car, nor the company would not give me my items even though I offered to pay the fee. The items were destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my identity has been stolen through the XXXX XXXX XXXX XXXX a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my XXXX XXXX  account is called XXXX/AVANT, XXXX XXXX XXXX has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks
Product: Money transfer, virtual currency, or money service

The offenders have individually and collectively perpetrated and aided in defrauding consumer investors and depositors in XXXX of over {$22.00} XXXX. They directly solicited customer funds, advertised that ALL funds in fixed term crypto-backed lending product were ONLY used for fully secured over-collateralized lending to borrowers on the platform with the borrowers depositing XXXX % of collateral in crypto assets on behalf of the lenders to secure the loan. 

They also represented that all borrower collateral and lender funds would be forwarded to XXXX XXXX, their regulated custodian for safekeeping the collateral until the end of the loan period, after which the lender would be paid their monies by the borrower, with the collateral returned to the borrower. 

These above statements by XXXX were overwhelmingly false. There were hardly any borrowers to match the lenders with on the XXXX platform, and there was hardly any collateral for the so-called fully secured loans. In other words, XXXX principally matched lenders to non-existent borrowers while misappropriating their funds for other purposes. For the few occasional existing borrowers on the platform, XXXX misappropriated even their collateral. This is a case where the platform scammed both the borrowers and the lenders on the platform by taking the lenders money for themselves, as well as the borrowers collateral. 

The Offenders embezzled the funds that the investors deposited on XXXX for themselves by funneling the funds to founders other company, XXXX, through unsecured loans. They also misappropriated investor money meant for secured lending to other platform borrowers to instead make unauthorized deposits and risky bets on XXXX XXXX, something that the investors never intended nor were aware of how their funds were used. 

The Offenders scammed investors and users in all other types of lending products as well. For instance, the funds in XXXX accounts were not sent to third-party collateralized lending pools, but rather used by them to line their own pockets as described earlier.
Product: Debt collection

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from EASTERN ACCOUNT SYSTEM I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from Eastern Account System nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. 

I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.