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

Multiple unauthorized charges ( totaling about {$1500.00} ) were made to my Citi Double Points card for XXXX trips in XXXX XXXX when I was in XXXX where I live. I have never used XXXX. On XX/XX/XXXX I disputed the charges but they don't show up in their Dispute Center. I requested a replacement card only to have additional charges for XXXX show up on the account after the issuance of the replacement card number. I contacted Citi again using live chat. They assured me they would resolve the issue and issued a new card number. The charges appear on the second replacement card online statement. I again contacted Citi via chat to complain and they said that security was dealing with it and it wasn't a dispute - I don't understand. They still did not have listed in the dispute center - no reason for this. These invalid charges use up my credit limit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6.00} Late/Open XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$160000.00}, balance updated on XX/XX/XXXX, original balance of {$160000.00}, paid off 4 %, {$1200.00} monthly payment, account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, status updated XX/XX/XXXX, account type FHA Mortgage, status open, and responsibility individual. The payment history shows 6 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Debt collection

Asset Acceptance has been pursing me since XX/XX/XXXX. I was summons to court and the judge threw the case out in XX/XX/XXXX. Now they have re opened the case and are trying to garnish my wages. I have contacted The Attorney General, I was informed AA has been under investigation for years, per email I was told to contact CFPB and file a complaint. AA has not contacted me or sent me paperwork, I only found out through the XXXX County Clerk of Courts doing a random search of records for my name. I am not sure what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've settled a credit collection with a 3rd party collection agency, and the balance should now be at {$0.00} instead of showing that I still owe a balance on a closed and charged-off account with a credit card financial institution.
Product: Vehicle loan or lease

I have told Credit Acceptance since XXXX of XXXX  when COVID-19 first hit America and i was on XXXX XXXX  that my identity was stolen, like the trillions of money stolen from who knows how many American VICTIMS of our GOVERNMENT UNEMPLOYMENT BENEFITS STOLEN AND HIJACKED FROM US! I have a XXXX XXXX & am trying to get on XXXX b/c I am not suppose to work anymore. I have since COVID-19 have had to get on 4 different XXXX XXXX now & have severe XXXX XXXX! CREDIT ACCEPTANCE, although, I have SOLD EVERYTHING I HAD TO PAY THEM, USED ALL MY SAVINGS TO SURVIVE SINCE NOT BEING PAID UNEMPOYMENT, AND NOBODY CARES!!!! IT'S NOT THE NEWS! THE GOVERNMENT & CREDIT ACCEPTANCE KNOWS THERE ARE VICTIMS LIKE ME! WHO HAVE NOT BEEN ABLE TO PAY ANY BILLS ON TIME! THE HARRASSMENT NEEDS TO STOP!!! THEY CALLED ME FRIDAY, I ANSWERED, YES I JUST GOT A JOB!!!! I'M NOT EVEN SUPPOSE TO WORK!!! MEDICALLY I CAN DIE ANY MOMENT! THEY CALLED ME SATURDAY ALL DAY, THEY CALLED ME TODAY, SUNDAY 7 TIMES!!!!!!!!! I JUST STARTED WORKING AND THEY KNOW I AM A FRAUD VICTIM & HAVE MEDICAL SERIOUS ISSUES!!!!! IF I DIE BECAUSE OF THIS I WANT EVERYONE TO KNOW THEY ARE THE CAUSE OF MY XXXX  & STRESSS!!!!!!!!!!!!!!!!!!!!! READ YOUR NOTES!! GIVE ME MY {$18000.00} STOLEN FROM ME FROM UNEMPLOYMENT GOVERNMENT AND I CAN PAY MY BILLS ON TIME!!!!!!!! XXXX OFF!!!!!
Product: Checking or savings account

On XX/XX/2021 I filed a dispute with Chime in the amount of {$600.00}. Due to not receiving my shipment I ordered. Over the course of three months I called Chime weekly for updates. They gave me the ran around. I was told I will have my money or a decision by XX/XX/XXXX today is XX/XX/XXXX I havent received anything. No one is given me any info and its really nerve wrecking. I own a business and have bills. I just want my money back put money for pain and suffering I had to experience. Chime is very unprofessional
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I need to file a formal complaint regarding my XX/XX/XXXX credit card statement from US Bank. I was incorrectly charged interest of {$100.00} on this statement. I had a 0 % purchase transaction balance on this card which expired in XX/XX/2017, which I made a payment of {$8600.00} on XX/XX/XXXX to fully pay off. However, US Bank applied this payment to my 0 % balance transfer balance, which does not expire until XX/XX/XXXX. This is an Unfair and Deceptive Act and Practice. I am requesting that US Bank refund the interest charge of {$100.00} and reinstate the 0 % rate on my balance transfer remaining balance until XX/XX/XXXX. Please call me at XXXX if you have any questions. 
I already tried to resolve this with US Bank by sending them a secure email while logged into my US Bank online account. However, instead of processing the complaint, they sent me the following ridiculous message : " While we look forward to being of service to you, unfortunately, we are unable to match the verification information in your request to what is listed on your account. '' Why would they be unable to verify my information when I was logged into my account to send them the complaint? This seems to me like they are just trying to AVOID processing complaints from their customers.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX / XXXX XXXX
Product: Mortgage

** one of my attorneys advised me to contact CFPB & file a complaint : XXXX XXXX ** mr. cooper the mortgage lender My Loan # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX 

** XXXX XXXX debited {$5300.00}. when I authorized a XXXX minimum payment online ... .. the minimum amount ; believe XX/XX/1922 XXXX debited my XXXX XXXX account ** I had complained about excessive fees & they debited 3X plus what I authorized!! 

** my bank XXXX XXXX has opened a claim via fraud department # XXXX XXXX XXXX I have asked for the {$5300.00}. returned to my check account. Made this complaint I believe to XXXX XX/XX/XXXX ~ XXXX XXXX. 

** So far no return of funds to my account ** Need cooperation from both banks to make final 'catch up ' on the mortgage incl criminal FEE Gouging by mr. cooper XXXX. they cooper where they can legally charge excessive fees. 

** Have some funds to catch up this mortgage totally ... .. but they are PILING ON fees & unsure whether legal for them to add all those fees. Want to make a pay schedule to catch up totally but DO NOT TRUST these vampires. 

Sincerely XXXX XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX email : XXXX ( he is assisting me in this matter .... am experiencing some minor health issues )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX WY XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. In my credit report with Transunion it appears on one of my mortgage with XXXX XXXX  XXXX  XXXX adverse information about stating the account payment status the account is included in a bankruptcy. It also states in the remarks section : Chapter XXXX Bankruptcy. Ive disputed the item 3 times and lastly I sent them copy of my discharge and evidence this account was never included in my chapter XXXX and even if it would of been included, its beyond the 7 years mark ( XX/XX/2020 ) and it should of been removed from my account. Unfortunately they have refused to correct the information, it continues to appear and this is causing me issues now that I want to buy a property. Its important to say this is the only adverse and inaccurate information that appears in my credit report with and the credit reports with the other two agencies have no issues.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF XXXX : XX/XX/XXXX CAP XXXX NA || DATE OF INQUIRY : XX/XX/XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2021, I sent a letter to TransUnion asking them to update my phone number in the fraud alert they have on my credit file. Its causing issues whenever I try to apply for credit, being that companies cant verify who I am whenever they run my report through TransUnion, due to an old phone number being on file. I followed every step that a representative I spoke with told me to follow, in order to get my phone number updated by mail, including sending in 3 copies of proof of identity, along with my request. I receive a letter on XX/XX/2021, stating that I needed to send in the exact same information that I already sent in, in order to receive a copy of my credit report, when a credit report is not what I requested. The letter stated that the address that I provided is not listed in their records, yet its the same address that Ive lived at for four years, the same address that Ive received correspondence at, from them in the past, the same address that is on old copies of TransUnion credit reports that I received. Its evident that someone isnt doing their job. I called today on XX/XX/2021 to speak with a representative, they acted incompetent ( just like the letter they sent ), as if they didnt understand what I was asking. The representative then tells me that I can update everything online, which is a farce. There are many online complaints and reviews from customers stating how they get an error message whenever they try to update information through the online portal TransUnion claims to have, Im included in that experience. This is the reason why I was told to mail in the appropriate information to update my phone number. When I tried to fix it over the phone, the representative told me that they couldnt get any verifiable information to come up so that I can get verified. Its one thing after the other with this company. I follow instructions to get my phone number change, and in turn, I get an alert request form and a letter sent to me to update my addressrequesting the same proof of identity documents I already sent in. Therefore, Im also wondering where are the documents I sent in? This is very unprofessional and needs to be addressed. Its also complicating things whenever I apply for credit. Please hold TransUnion accountable for these actions.
Product: Credit reporting or other personal consumer reports

I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/TransUnion ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date TransUnion reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$3000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX  TransUnion is reporting this account is STILL OPEN!! but its charged off???? TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXX. TransUnion reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report will have no inquires 2 days later it will have a bunch.thats why I have fraud alerts on all my reports.a very unhappy ex thinks its cute to try to sabotage me by pretending hes me and applying to companys with my info just to make my life miserable.. I have filed police reports again and again as well as identity theft with the FCC. EQUIFAX REFUSES TO REMOVE THESE THIS NEEDS TO STOP THEY HAVE SCREAMED AT ME ON THE PHONE ITS NOT MY INQUIRY AND NOR DID I AUTHORIZE IT
Product: Credit reporting or other personal consumer reports

Transunion is reporting information on my credit report that is fraudulent. I have requested that this information be investigated and removed. But it's still showing i have listed the information below that is inaccurate. 
XXXX XXXX XXXX XXXX Opened XXXX {$1100.00XXXX XXXX XXXX XXXX Opened XXXX {$1300.00} XXXX XXXX XXXX Opened XXXX {$2300.00} XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Government ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX OF XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit card

Subject : Request for Review and Resolution of Unpaid Chargebacks To Whom It May Concern, DATE FILED : XX/XX/year> Re : Bureau Orders Against Goldman Sachs Bank USA and Apple Inc.

I am contacting you regarding a matter involving my previous disputes on my Apple Card credit account. Despite receiving chargebacks from the merchant ( s ) involved, Goldman Sachs has not credited my account with the appropriate amounts.

As indicated in the recent Consumer Financial Protection Bureau ( CFPB ) orders dated XX/XX/year>, against both Goldman Sachs Bank USA and Apple Inc., I am formally requesting a comprehensive review of my account history. Specifically, I ask Goldman Sachs to reconcile all disputed charges and chargebacks to ensure I have been properly credited as required. 

If this review does not result in resolution, I am prepared to escalate this matter by submitting all supporting evidence and correspondence to CFPB, as well as requesting additional consideration for settlement due to the continued lack of resolution. 

Additionally, I am requesting that CFPB send any updates regarding potential settlements related to my case directly to my email. 

Thank you for your prompt attention to this matter. I look forward to your response and the necessary action to address these discrepancies. 

Sincerely, XXXX
Product: Credit card or prepaid card

The company is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I signup for the credit card that was told I would receive XXXX if I spent XXXX on XXXX service.This transaction was in XX/XX/2019. I have called the rebate and rewards program REFERENCE # XXXX and was told that it take a while to get verification from Citi Bank. I called Citibank @ XXXX. They had all my information of the purchased, however said that they had nothing to due with the rewards program. I also called XXXX XXXX XXXX XXXX and they told me the same thing.The rewards program is saying it will take time to get the XXXX debit reward and XXXX knows that they have a problem. Now, I can understand their are problems, however since XXXX. I feel we have a fraud problem..the other night XXXX XXXX ( Rewards Rep. ) hung up the phone on me.XXXX  should be aware of this problem soon. I have never had a problem like this before with any cards. The Ref # is XXXX ... XXXX ... I also called XXXX XXXX office @ XXXX and was told I must deal with rewards and rebate center. This is a problem and XXXX should be made aware of this story. Someone is stealing my reward/rebate.XXXX   XXXX XXXX should be told about this 3rd party that is holding up rebates.
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had four payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks