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

Marcus-Goldman Sachs purchased the XXXX XXXX accounts from XXXX XXXXXXXX and I was told ALL data from XXXX XXXX was transferred to Marcus-Goldman Sachs as part of the contractual agreement. The transition was supposed to be finalized in XX/XX/XXXX. I recently needed some historical information on my account from XXXX and I am unable to access statementsthrough my Marcus account online older than XX/XX/XXXX. When I called Marcus-Goldman Sachs , I was told they do not have any historical statements from XXXX XXXX older than XX/XX/XXXX. When I called XXXX XXXX, I was told that ALL the information was transferred to Marcus-Goldman Sachs . I do not believe I should be stuck in the middle of this back and forth between these two large financial institutions that have the resources, IT departments, backup tapes, etc. to rectify this problem. All I need are my historical statements. I was encouraged to go paperless, therefore, do not have any paper statements since XXXX. I was also told by both Marcus and XXXX XXXX not to worry about downloading all of the statements because they would be available online through the Marcus Website once the transition took place. Perhaps this is part my fault for believing both Marcus and XXXX XXXX, but as a consumer, I should be able to have some faith in the companies I do business with to be telling me the truth -- especially large and supposedly reputable companies that are dealing with my financial transactions!
Product: Checking or savings account

Someone had access to my account after Chase Bank 's fraudulent department contacted me. 

On XX/XX/2023 I received a call from Chase Banks Fraud Department informing me that someone tried to make a purchase at XXXX XXXX in XXXX for an amount of {$390.00}. And that it was declined. 

Friday, XX/XX/2023 I logged into my mobile bank and noticed my SAVINGS ACCOUNT was debited the amount of {$280000.00} with a total of 36 debits of {$80.00} per transaction. 

XX/XX/2023 - 18 ATM Withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 
XX/XX/2023 - 18 ATM withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 

On Tuesday, XX/XX/2023 / XXXX I received another text and a call from Chase Fraud Department regarding a transaction for {$170.00} for an XXXX XXXX purchase from BUSINESS ACCOUNT. The text states if this is not me, we will close your current card and send a new one. ( of course no card was sent ) On Tuesday, XX/XX/XXXX, XXXX XXXX I received another text from Chase Fraud department for my BUSINESS ACCOUNT for the amount of {$1700.00} and if its not me they will issue me a new card.
Product: Credit card

On XX/XX/23, I was shopping online at Amazon.com. When completing the purchase of an item, the webpage displayed a promotion in conjunction with the item I was purchasing to apply for an Amazon Store credit card with Synchrony Bank and receive a credit towards my purchase.

I then applied for the card through the website in order to receive the credit, and was approved at that time. I then proceeded to checkout for the item and the credit was not reflected. I called Amazon and asked them to correct the error, and they said that I would not get the credit because the item was not sold by Amazon. I am still not clear what this means as the item was purchased through Amazon and the promotion was tied directly to the specific item I was buying and at no point was there any indication that I would not be eligible for the credit.

In effect, I was deceived into applying for and receiving a credit card through the false advertising of a credit. I believe this experience illustrates a clear instance of Unfair, Deceptive and Abusive Acts and Practices by both Synchrony Bank and Amazon and as a consumer we seek compensatory relief for the financial hardship I have experienced. I would not have applied for this credit card or purchased this item had Synchrony Bank been transparent that I would not receive the credit that they were advertising.
Product: Checking or savings account

In XX/XX/2022 there were fraudulent transactions on my card I reached out to Wells Fargo and they said they would not cancel my card as I requested them not to do so. I received notification that my card had been canceled and a new one would be issued. I called back and asked why was my card canceled when I asked them not to do so they said it had been requested by me which was not the case. I had bills on auto pay which caused me to receive late fees and my new card took almost 2 weeks to arrive.
Product: Debt collection

The Company name is Affirm Inc and there is two accounts, one was open on XXXX XXXX account balance is {$3500.00}, showing that it is in collections the original balance was {$3400.00}. The other one open on XXXX XXXX account balance {$160.00}, showing past due 30 day. The original balance was {$500.00}. The total balance for both is {$3700.00}. I didn't open this account. I have expressed this to the company but nothing has been done about it. I only find out about this account from viewing my XXXX credit report. It is not on XXXX, XXXX.
Product: Checking or savings account

Bank involved : HSBC Bank USA, N.A XXXX XXXX XXXX XXXX, NY XXXX  I tried to open HSBC Advanced checking account and was declined stating that they are unable to verify the identity of me.

Then I got report from all 3 credit reporting agency and found that my address, SS #, name, etc.. are perfectly matching and hence I am identifiable. Per the credit agency report, HSBC made enquiry to XXXX and got info which is perfectly identifying me. My credit score is XXXX. On same day I am able to open accounts in other bank. I also uploaded address proof to HSBC bank but still they denied my application. In fact they were able to verify my other bank account also by exchanging few cents for ACH verification before denying my application.

When called HSBC all they can say is " HSBC don't want to do business with me at this time ''.
Product: Mortgage

In XXXX of 2020, First Tech Federal Credit Union removed the ability to add additional payment to your principal when making your normal monthly payment online. I have asked multiple times when this issue will be resolved and the only responses I have received were " the functionality was not working correctly and will return when it can be fixed ''. The removal of this functionality means that a member has to call, wait on hold, talk to a user, explain what you want, and be able to pay additional principal on your loan if they want to pay extra principal. I do this every month and can spend more than 30 minutes per call to get my payment processed.
Product: Checking or savings account

Citibank customer service kept contradicting themselves while advertising a {$500.00} new client offer, then I wasted like 15 hours ( records ) trying to get the problem fixed but they still kept contradicting themselves and won't even let me withdraw in a reasonable and XXXX compliant manner, the same manner I deposited into it.
Product: Debt collection

In  XXXX  of   XXXX   FIA Card Service s ( Bank of America ) r eceived an execution on money judgement for a charged off credit card debt. The debt collectors of  XXXX ,  XXXX   XXXX   XXXX  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issu e, the CFP c an get to the right people to make this right.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent request to remove fraudulent items from my credit report. 

As of my last communication, these items have not been addressed, and I am concerned about their continued impact on my credit standing. I kindly request your prompt attention to this matter and a thorough review of the fraudulent entries.

I request the immediate removal of these inaccuracies to rectify my credit profile. Upon careful review, I have determined that these entries are inaccurate and unjustly impacting my credit score. I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing evidence to support my claims. However, despite my efforts, these fraudulent items persist on my credit report. This situation has caused undue stress and hardship, as it affects my ability to secure loans, obtain favorable interest rates, and achieve other financial goals. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Consumer Name : I XXXX 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 accounts opened at. XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a Credit card account opened with XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXX XXXX XXXX, on XX/XX/XXXX under the account number ( XXXX ), a phone service account with XXXX opened on XX/XX/XXXX under the account number ( XXXX ) this account resulted into a collection account with XXXX XXXX XXXX, auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXXThese 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 # ( 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: Payday loan, title loan, or personal loan

I purchased a house with a solar power purchase agreement with Solar City, ( now Tesla Energy ) lien on the title and assumed the remainder of the lease term. The contract stated that starting 5 years after the beginning of the agreement, there would be an option to buyout the system at fair market value. 

At the 5 year mark, I requested a buyout estimate and received one for {$21000.00}, which is more than the cost to install a new system. 

When I asked them to justify this they said it was a combination of the fair market value of the a cost approach and a discounted cash flow model from my payments to them. 

A discounted cash flow valuation of my payments is not the fair market value of the solar system and I believe it is grossly overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2020 I spoke with an XXXX at company. I explained this bill wasnt mine. I feel it was very misleading. I never received a letter from the third party previous to this bill being placed on my bureaus. Per FCPA law youre supposed to receive communication in writing prior to a third party placing a debt on bureaus. I never received any documentation therefore I didnt know what this was for. She advised me that they were taking this off my bureaus also sending out a validation letter. Ive also been adversely effected by covid due to my hours being cut. And my spouse loosing his job. I have XXXX as well as Medicaid. So I had to do some investigation on this amount. Supposedly its from a few years ago when my son went to an emergency room. Its a separate bill from Dr not facility. Again misleading but during that time we didnt have Medicaid. So I called back and made payment for this account. Please remove ASAP. See screenshots
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX about TransUnion and their erroneous reporting of two accounts on my credit report. On XX/XX/XXXX, I received a response from the CFPB website that TransUnion had forwarded my complaint to their consumer relations center for processing. They stated, '' You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. '' It is now XX/XX/XXXX, and I have received no response to my complaint from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX  REFERENCE # XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, Experian, XXXX and XXXX. I sent my disputes certified mail. None of this companies has responded.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Dispute Regarding Inaccurate Credit Entry Dear [ Credit Bureau/Collection Agency ] , I hope this email finds you well. I am writing to express my deep concern regarding an entry on my credit report that does not belong to me. My intention is to resolve this matter promptly and ensure the accuracy of my credit file. 

I recently reviewed my credit report and discovered a listing in your records for a debt that I do not owe. I want to reiterate that this debt is not mine, and I am determined to rectify this discrepancy as soon as possible. To support my claim, I have already submitted a letter affirming that I have paid all my debts in full. However, I have yet to receive any documentation that clearly demonstrates the validity of this debt. 

In light of the above, I kindly request that the erroneous entry be removed from my credit report immediately. Alternatively, I request that you provide me with the necessary evidence, such as an original contract, invoices, or any other relevant documents, which conclusively prove that this debt truly belongs to me. It is vital for me to have this matter resolved in order to safeguard my financial well-being and maintain a fair credit history. 

I want to emphasize the urgency of this matter, as an unjustified negative impact on my credit report can significantly impact my financial future. It is my right, as a consumer, to have an accurate and up-to-date credit report, free from inaccurate or misleading information. 

I kindly request that you take immediate action to address this issue and inform me of the steps you have taken to rectify the situation. It is my hope that we can resolve this matter amicably and avoid any further escalation. 


Thank you for your attention to this matter. I trust that you will act in accordance with the Fair Credit Reporting Act and swiftly resolve this dispute. I look forward to receiving a favorable response from you within the shortest possible time frame. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had very good credit my entire life. I recently sold one of my houses and paid off a home equity loan that was attached to this house. Everything else stayed the same ; perfect payment history. My credit score dropped more than 100 points from a XXXX to a XXXX. I called Equifax to find out how I fix this and they told me there is nothing they can do, that I needed to hire a credit manager ( they probably own the credit managing company! ). They simply report what is reported to them. Paying off debt should not change my score that drastically. I will be applying for another mortgage for a rental property and my state uses credit scores to determine what you pay for insurance so this is going to cost me money. I need to get this fixed ASAP.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XX/XX/XXXX XXXX Balance : {$5400.00} ; XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Exeter Finance LLC account # XXXX, has violated my rights. 
15 USC 681 section 602 states I have a right to privacy.

15 USC 681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ..in accordance with the Fair Credit Repoting Act.This creditor has violated my rights.Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose..so I'd like to delete any off my credit report. Thank you so kindly..XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the creditor ALLY FINANCIAL has violated my rights under 15USC1681 section 602 states I have the right to privacy.

15USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666 B a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, GA, XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX A XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Money transfer, virtual currency, or money service

Repeatedly and without exception over the last 2 years, when I have attempted to move funds from Venmo into my bank account, I have encountered the same obstruction. 

Either the password that I submit is rejected and the reset fails, or when I try to receive the verification code to initiate the transaction, I receive a pop-up message saying " Code Not Sent. Please try again. '' The last time I failed to retrieve moneys held for me by Venmo, I eventually reached the the supervisory level, where a very nice supervisor named XXXX XXXX was able to temporarily resolve the issue, but only by setting up a new and different account, cancelling my old account, and transferring funds by a workaround into the new account. Now that account is presenting the same issues. 

Attempts to resolve the issue through Contact, Help or Support are invariably met with computer generated FAQs that do not relate to my problem. 

Today I found that the FTC had already filed a complaint against Venmo in 2014 for what appear to be the same complaints. Why are they still getting away witih the same dirty tricks unscathed?