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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 

8. Identity Theft XXXX  Date of Inquiry : XXXX XXXX This is not mine.
Product: Checking or savings account

A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch XXXX can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch XXXX is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch XXXX still refused to help me. This has been an awful experience. I need my money. I have many bills I need to pay.
Product: Credit card or prepaid card

Please see the attached supporting docs. This is a short version of the 29 pages submitted to Chase credit card via upload to there website and mailed in which they advise were received. 
On XX/XX/XXXX I booked a hotel room on my credit card ending with XXXX via XXXX XXXX XXXX for XXXX XXXX XXXX for a 6 night stay XX/XX/XXXX to XX/XX/XXXX for {$830.00}. This was part of a 3 week tour of XXXX. On XX/XX/XXXX the Hotel advised they can not accommodate us as English Government will not allow bookings due to Covid19 and per their website they have rented the rooms to Covid19 first res-ponders. I got no where with the merchant who offered a future credit. I am traveling with my spouse who has a XXXX  XXXX XXXX XXXX XXXX XXXX diagnosed XX/XX/XXXX, and this was probably his last birthday where he can XXXX and XXXX XXXX. He wanted to be in XXXX, XXXX. We live in XXXX XXXX, FL I disputed the merchant chase with Chase hold times over 3 hours.I then uploaded supporting docs and mailed in hard copies. 
Chase sent a refusal of the dispute siding with the merchant dated XX/XX/XXXX stating " I either received the service from the merchant or it was made available to us. They also can not confirm if services were available. In the documentation I gave from the merchant they admit the room was NOT available. Chase failed to read my documentation. I contacted a supervisor who was cold and could care less not protecting my money from a double billing hotel. 
'
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, Equifax, and XXXX assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial.

They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.
Product: Vehicle loan or lease

According to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Vehicle loan or lease. 

Regarding the company 's response, they failed to address any of my concerns or complaints. They only provided updates when a payment was made or when a contract was signed, but completely ignored my recent contract amendments that were sent to them. These amendments were in violation of FINRA laws, UCC laws, and the Fair Credit Reporting Act. This lack of response is completely unacceptable, which raises a red flag about the way the company conducts its business. By disregarding my concerns and failing to address the violations of important laws, they have shown a concerning disregard for their obligations and responsibilities. This behavior calls into question the company 's professionalism and integrity. It is imperative that they rectify this situation promptly and demonstrate a genuine commitment to addressing my concerns in a thorough and satisfactory manner release all payments and deposit made on the account including removal of incorrect reporting on credit report and release all securities owed back to me as the investor of this company.
Product: Payday loan, title loan, or personal loan

I have a secure line of credit with Rushmore Loan Management Services. My credit line, with my house as collateral, is $ XXXX. The balance remaining on this line is now $ XXXX with $ about $ XXXX amount that is not used and remaining. In recent days access to my line of credit was denied by Rushmore for no apparent reason and no prior notice. My line of credit is fully secured with my house which at this time has over $ XXXX of equity. I even did not find out about being denied access to my credit line until they returned a recent check. My original line of credit was established with XXXX XXXX XXXX  and later sold to Rushmore. It seems Rushmore is not a very legit company. I XXXX and found multiple law suites against them with one by a Florida woman who claimed that Rushmore Loan Management Services committed numerous violations of the Fair Credit Reporting Act.

Is there a way out of this? I never thought i would be denied access to my own money specially with a credit score of over XXXX.
Product: Credit card or prepaid card

I had an issue going on with payments and billing on card number ending in XXXX. Because Citi wanted to make money off me by increasing Late Fees, they said they can not allow me to change my due date when I really needed to change it. 

Citi just WITHOUT my asking or CONSENT and in violation of the law changed my due date on the credit card so that I will miss my payment due date and those criminals can now charge me the late fee they were increasing on my account. I did NOT ask for my due date change this time and the date was changed ARBITRARILY by Citi. I have an automated email from Citi evidencing that change from today.
Product: Debt collection

I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is Portfolio Recovery XXXX XXXX they are from XXXXXXXX XXXX
Product: Debt collection

There is an account listed on my credit report that is NOT mine. I have disputed it several times and it still appears and need some help.
Product: Debt collection

My data/ information was expose in the data breach. I have people calling me 24 hours a day, threatening that if I do not pay this, the debt that the police will get involved.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate and outdated information that has an adverse impact on my credit file. I have disputed the information in my report from XXXX XXXX XXXX which shows I have a past due balance. That information is incorrect and also doesnt show the show a complete accurate and correct historical data.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member XXXX XXXXXXXX XXXX. After review all XXXX credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX Balance on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account numberXXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following XXXX Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX this account. 
XXXX XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit card or prepaid card

This is a secured credit card with my investment of {$1000.00} I have had this account since XXXX. Had a fraudelent charge disputed XXXX  months ago that still has not been resolved. The card was locked for XXXX months because that department line is constantly busy. 
I have a XXXX $ plus available credit but the card is always declined. Now the general information number is not even active. 

Something is not right.
Product: Mortgage

Our XXXX city taxes were not paid by our mortgage company, Mr. Cooper. I was notified by our city dept in XX/XX/XXXX. I worked with Mr. Cooper and on XX/XX/XXXX, Mr. Cooper completed a tax analysis, corrected the tax amounts for both the City of XXXX and XXXX XXXX. The XXXX city taxes, {$550.00}, were then paid correctly. At this time ( XX/XX/XXXX ), they also showed the correct amount for XXXX XXXX, {$1800.00}. On XX/XX/XXXX, I received a new tax analysis that changed both XXXX of XXXX ( {$66.00} ) and XXXX XXXX ( {$220.00} ). These were not the correct amounts. I retreived the XXXX tax statements from both XXXX XXXX ( {$1800.00} ) & the XXXX of XXXX ( {$550.00} ). On XX/XX/XXXX, I sent a message after hours within Mr. Cooper 's secure message system with the tax statements and a request to have them pay the correct amounts to both the City and County. I also asked for them to call me and confirm this was handled. My wife called on XX/XX/XXXX and talked to their XXXX dept. She was told this was being escalated and it would be handled. They said the would follow up once it was resolved. On XX/XX/XXXX, I called Mr. Cooper because I had not received a follow up call. I was assured this would be handled and the taxes would be paid. I called again on XX/XX/XXXX. The agent worked with me to find the correct tax amounts online and entered them into their system. He then worked with the escalation team and they said this would be paid on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, neither have been paid and we are getting the same story from Mr. Cooper. The property taxes are now late.
Product: Money transfer, virtual currency, or money service

I have an unauthorized charge through Paypal. Paypal failed to assist me with the fraudulent charge. I have tracked down what I can regarding the charge from Paypal and emailed the merchant who charged my card to which she claims that they never charged my card. Paypal has not been any help to this charge initiated by them. I emailed XXXX several times. I have attached my email correspondence with her and the information that I received from Paypal. I never placed or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because her email is XXXX XXXX but she claims that her website closed in XXXX but will check with the person regarding them charging me on XXXX  ( XXXX ). I reached back out to XXXX again today to which she claims that " the girl '' contacted me on XXXX. No one contacted me. I have asked several times who is the person who runs the site and who is it that charged me. This claim is not valid as nothing was delivered to me. This is a total scam and Paypal did not due any due diligence in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Experian has removed this fraudulent account in the past from XXXX XXXX XXXX. I have sent over my FTC REPORT AND MY POLICE REPORT. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT FILE
Product: Debt collection

I am & have been paying for 2 years a monthly amount to this DEBT COLLECTOR for AMEX. Both the debt collector, XXXX & / or AMEX refuse to stop reporting this debt as un collectable, regardless of my paying for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX creditor XXXX XXXX Balance : {$91.00} Original creditor : XXXX Balance : {$550.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$78.00} Original creditor : XXXX Balance : {$1500.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$91.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX Inquired on XX/XX/2XXXX XXXX
Product: Credit card or prepaid card

Discover Credit Operations Team XXXX Application Number XXXX XXXX I WAS DENIED A DISCOVER CREDIT CARD DUE TO THE STATUS OF AN PREVIOUS ACCOUNT. THE OLD ACCOUNT WAS CLOSED BY DISCOVER WHILE IN GOOD STANDINGS WITH A XXXX BALANCE. 

NOW BEING DENIED BECAUSE MY NAME SOCIAL AND BIRTH DATE HAS BEEN FLAGGED AS REVOKED. 

I FEEL LIKE THIS ACT OF DENIAL IS DISCRIMINATORY DUE TO MY RACE OF BEING A XXXX XXXX. THERE HAS BEEN NO OTHER EVIDENCE TO SUPPORT MY RESTRICTION FROM HAVING ANOTHER DISCOVER CARD OR A REASON GIVEN FOR CLOSING MY FIRST CARD. 


Our credit decision was based in whole on consumer reporting agency. 

XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Type of credit score FICO Your credit score XXXX Date XX/XX/XXXX Scores range from a low of 300 to a high of 850 This information was provided to us by XXXX   XXXX XXXX XXXX XXXX, a consumer reporting agency. 


FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Product: Checking or savings account

Hello, my citi bank account was blocked for no reason due to depositing a {$3100.00} check addressed to me in my savings account. Please help me get back into my account so I can have access to my frozen funds it's been XXXX weeks and I have been getting the run around with the fraud dept. I have all the information needed to verify. I have been a customer for over 3 years and never had any issues with depositing into my account please help me get back my funds. 

Citi Reference Number : XXXX Account Holder : XXXX XXXX Citi Bank Card Number # XXXX XXXX XXXX XXXX Current Mailing Address : XXXX XXXX XXXX XXXX CA XXXX Current Residential Address XXXX XXXX XXXX XXXX XXXX CA XXXX Old Address : XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXXXX/XX/XXXX I deposited a check of {$3100.00} into my savings account. 2 days later XX/XX/XXXX my account was frozen and I was unable to access it. I called in to see what's going on they say the said fraud department blocked the account due to the XXXX check that was deposited having a different address than the one on file. They then told me it would be 24-48 hrs before my account would be back up I wait and still no access to my account I call back XX/XX/XXXX and they tell me my account will be closed in 60 days and any funds on the account will be sent within 30-60 days. I am a single mother with a new born child I can't wait 30-60 days all my money was taken from me on my account I can't and will not survive. I have rent and bills to pay this is so unfair please help I have this account for 3 years and never had any issues I really don't understand what to do next all the reviews on Citi bank from other victims are saying to contact you guys so many people have with through this with them and is really sick they keep getting away with its. I just want my money returned to me asap or even transferred to another account of mine. I authorize you to conduct investigation with all parties included citi bank and atlas real estate
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.