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

I have called Citi credit cards over 20 times in the past 6 months. I called because I got a new phone and lost my wallet. I wanted to get a new card so I can set it up auto pay. I said I'd send my license etc. All phone calls are documents. They refused. I wasn't getting any statements and didn't know what to do. I called over 10 times to pay my bill. Anytime I put in my information, it says I don't exist. I then have stayed on the phone for two hours to have people hang up on me. I've done the call back and they have no clue where to send me to pay my bill. I tried the chat ( which is also documented ), they couldn't help. I have even resorted to writing an email last month to corporate asking for help in paying my bill, but still no response. I now saw that I have negative marks on my credit score due to them never letting me pay my bill or helping me. I don't get it. I work two full time jobs and a part time job. My father is sick and lost his job because of Covid. My mother can't work. I'm paying their bills as well as my own. I also wanted to get a loan for graduate school but now my credit is shot because no one will help me. No one. I don't know what else to do and I'm not this type of person. I work so hard to have my life ruined. It's not fair. I want some help please. I need someone to just tell me what to do and how to pay my bill. That's all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. 
On or about XX/XX/year>, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$19000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX XXXX. 
XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. The inclusion of the tradeline makes my consumer report Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for XXXX offense, which is tantamount to XXXX XXXX  in criminal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, the following fraudulent account has appeared on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following record be blocked and deleted immediately : Fraudulent Record XXXX  XXXX Bankruptcy o Case Number : XXXX XXXX Date Filed : XX/XX/year> o Balance : {$0.00}
Product: Credit card or prepaid card

I reported to AMEX Blue Bird that there were charges on my prepaid account that I did not recognize. I filled out and even submitted a AMEX Bluebird Declaration of Fraud Form detailing out exactly which charges were not authorized. They reviewed my claim and denied it. 

Their own website says that they offer fraud protection : https : //www.bluebird.com/faqs/stay-in-the-know/fraud-protection  When I made a valid claim in the amount of {$550.00} they gave me the run around saying that it may take another 45 days for them to review my appeal. I'm at my wits end and need your help to resolve.
Product: Debt collection

Hi, so this debt isn't mines, I called and verified my info over the phone they stated that I'm not inside their database but It's showing up on my credit report. I want to have this removed from my credit report.
Product: Vehicle loan or lease

I mailed a payment of {$11000.00} on XX/XX/21 but it has not been applied to my account. Please investigate as the check cleared the bank.
Product: Credit card

I tried to get a home loan from rocket mortgage, after I summit all my documents they asked my permission to pull my credit report without telling me I should pay {$200.00}. The agent offered me XXXX rate for the loan and asked me {$500.00} as deposit for appraisal then he can send me the details of the loan plans. I confirmed with the agent that {$500.00} is for appraisal then I gave him my credit card information. Then I received the loan plans I found out for getting the XXXX rate I need to pay about {$4000.00} points fee which the agent never mentioned during our conversation. I emailed him to cancel appraisal and explain to him that I feel get betrayed by him. I dont want to continue with rocket mortgage because the agent is not honest. I asked him to refund my deposit for appraisal. Few weeks later rocket mortgage refund me {$300.00} without any explanation. When I dispute with my credit card rocket mortgage explained they charge me {$200.00} for credit report. First, from XXXX to XXXX more than 2 months the agent pulled my credit report twice my husband credit report twice never asked me to pay {$200.00}. Second, the agent asked my credit card to pay the deposit for appraisal not mention for credit report. Third, since it is money for deposit, but the action for pulling credit is happened before the time for charging deposit. So that money cant consider as deposit. Fourth, agent asked me to sign agreement and very clarify the {$500.00} is appraisal. Fifth, rocket mortgage doesn't list clearly the price for different items they mentioned on the agreement, but I asked them how much for appraisal, customer service told me from {$500.00} to {$1000.00}. So the appraisal fee start from {$500.00}, if rocket willing to charge me appraisal fee and credit fee they should charge me {$700.00} not {$500.00}. 
Rocket is not an honest company, keep trying use lies to get business.
Product: Debt collection

XXXX and XXXX is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be updated in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. All XXXX erroneous accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am opting out of any and all reporting by EXPERIAN, XXXX, XXXX I am again revoking any permissions given verbal, non verbal, written, unwritten, implied or otherwise.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit card

I opened the " 18 month interest free '' account XX/XX/XXXX and paid monthly on time via XXXX XXXX XXXX. After 18 months, XX/XX/XXXX, I was under the impression that the account was fully paid and therefore, stopped payment. I never received a bank statement from Synchrony bank to verify so I called them to confirm if the balance was paid in full and the representative on the phone indicated a remaining balance of {$180.00} was owed. I paid this amount and closed the account. Roughly a year later I received a letter from debt collections indicating that I owed {$1900.00}. I opened an inquiry to Synchrony bank via mail with support of all my monthly payments. Synchrony bank responded XX/XX/XXXX and attached old statements that were addressed to the incorrect mailing address. Upon opening the account XX/XX/XXXX, I resided at XXXX XXXX XXXX, XXXX XXXX, CA. These statements from Synchrony bank were sent to XXXX XXXX XXXX, XXXX XXXX, CA and the first statement was mailed XX/XX/XXXX ( more than a year from opening the account ). The first statement stated if the remaining {$490.00} was not paid by XX/XX/XXXX that I would be charged accrued interest of {$1200.00}. Again, I was not aware of this since it was mailed to the wrong address. In addition, the representative I called stated I owed {$180.00}. 
I never received a phone call, email or mail from Synchrony bank indicating these charges. They failed to communicate the timing of the charges. On my end I was proactive in making sure the balance was paid in full by 1 ) setting-up monthly checks via XXXX XXXX XXXX and 2 ) calling Synchrony bank to understand the remaining balance owed. In addition, when I did call Synchrony bank to understand if the balance was paid in full, I was provided misguided information by the representative : 1 ) not indicating the appropriate amount owed ( the representative indicated I owed {$180.00} ) ; 2 ) not indicating the date owed and 3 ) not pointing out the accrued interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished unauthorized information on my consumer report without my consent or written instruction. Experian has violated my privacy and security while refusing to substantiate their claimed entry and their method of verification. To my knowledge, I have not signed any documents authorizing Experian to alter my consumer report at will ; therefore, the entries disputed on my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, Experian score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.
Product: Credit card or prepaid card

My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution.

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.
Product: Credit reporting or other personal consumer reports

An unknown individual tried to obtain a credit card from XXXX XXXX using my personal information. Fraudulently trying to obtain a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distress and inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous and misleading.

Moreover, it is important to note that these inquiries and accounts have been reported without a permissible purpose. According to the FCRA, credit inquiries and account reporting must be conducted with a legitimate reason, such as in connection with a credit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report.

The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report.

I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made.

Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law.

I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g., 30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Product: Credit card or prepaid card

I called Aspire credit card on XX/XX/XXXX about a fraudulent charge I seen posting on my account a representative put me in touch with fraud department and they said they would credit back the charge and send me out a replacement with in 7 to 10 days. A week later I noticed on my account the last four of my card number changed so I thought everything was good. I received a letter on XX/XX/XXXX stating there was fraud on my account and it was suspended. I called and spoke with them again they said that everything was ok but the card was not sent out for some reason so they would sent it out now and I could get it within a couple days expedited I told them that ok just send it regular mail. I received another letter a week later I called back on XX/XX/2023 they told me my card was lost or stolen at first then I talked to a supervisor by the name of XXXX who told me they could not confirm address but they had already sent me out two letters by this time. I asked for a supervisor over him to call me back he said it would take two business days and took down my number. On XX/XX/2023 I called back again due to not hearing anything spoke with another supervisor who told me the problem is the card count was not on account now he can send me out a card in 3 to 5 business days he also said he did not know why the supervisor has not called back for follow up because they should have called me on the XXXX. I dont understand why every time I call them I get a different reason why the card is not being sent out and have to keep calling back. I have been on time with my payments and now am paying for a card and fees of a card XXXX dont have in my possession due to there company and issues.
Product: Student loan

I contacted the CFPB back in  XXXX  or  XXXX  with problems wi th Sallie Mae. After you contacted them, they finally told me they did have a forbearance. Now, I still do not have a job. Every month they increase the interest. This month my interest sits on 3 loans : 10.375 %, 9.750 %, and 8 %. These interest rates are highway robbery, and every month they increase. How are students suppose to pay loans back? Student loans are meant to help students not destroy them. I am a single mother and struggling to get a job even after completing school. They make it to where I will spend the rest of my life struggling to pay back their loans. It 's only Sallie Mae that is highway robbery. My federal loans have been extremely nice and helpful.
Product: Credit reporting or other personal consumer reports

experian are unwilling to accept the documentation provided to me to remove credit reports during the time i was forced into XXXX and XXXX XXXX. i am XXXX as a result and require assistance experience is not providing this request information.
Product: Mortgage

Due to covid 19 I was behind on my mortgage payments. I was bullied into a repayment plan by mortgage servicer. I gave them a XXXX payment on XX/XX/21 I was supposed to pay XXXX for 12 months. I made XXXX payments and then could not afford to pay any more. The mortgage company knew that my income could not afford those payments yet still I signed it in fear of losing my home. This stress has made me very sick.I am hoping that my mortgage company would give me back my XXXX down payment and offer me a modification that i can afford and also reduce my principal mortgage and take off all the interest that they charged me.I want to keep my home so any help would be greatly appreciated.Sincerly
Product: Checking or savings account

I was defrauded and Citibank closed my accounts and refuse to give me answers when I explained that my was defrauded but they are requesting the money bank and I was scammed
Product: Money transfer, virtual currency, or money service

I have continued to get the run around from Chase Bank. I deposited a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank Check for $ XXXX into my checking account on XX/XX/24. This was a refund from an excess in XXXX Chase refuses to release the funds. They have told me multiple excuses : the check has not cleared from XXXX, XXXX confirmed the funds were cleared but wont confirm the date of clearance, we can not confirm there are no stops/holds on the check, etc. the excuses seem to pile. I had the Chase associate 3-way call XXXX so that I could hear the conversation. The XXXX associated CONFIRMED the check was valid and that the funds had been released and cleared from their end. Chase wants to know the date it cleared, XXXX cant provide that for security purposes, therefore they wont release funds to me. This is absurd, I go into the Chase branch myself, an associate at the branch requested the funds be released because he says from his end we have the funds, theyve been released to us. The associate calls me and says his request was denied. He tells me he called the back office himself, and the back office they told him that they can not confirm the funds had cleared. This is a complete run around!!! I heard XXXX  with my own 2 ears confirm the funds had been released and cleared. Why does this continue to be an issue!? Its MY money!! I have deposited this check into a my previous XXXX account for years (!!! ) with no issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Equifax 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 on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 # ( private case number ) 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 reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX