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

Received a denial to open a Citi Bank Credit card. I didn't apply. 


I've tried calling the company but I haven't been able to get through the phone tree.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with TransUnion 's refusal to permanently delete adverse accounts from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 605C. I am a survivor of XXXX XXXX and, as per the protections extended to survivors, I am eligible for these adverse accounts to be permanently deleted. 

Despite providing the necessary information to TransUnion, they have not acted upon my request to remove the accounts as required by law. I am seeking your help in ensuring that TransUnion complies with the provisions of FCRA 605C, so that these adverse accounts can be removed from my credit report permanently.
Product: Credit card

I am writing to file a complaint against Chase Bank regarding a missing ATM deposit made on XX/XX/2023 I deposited {$1800.00} in cash at However, the full amount was never credited to my account. I have contacted Chase customer service on several occasions to report the missing funds, but the issue has not been resolved. I have been provided with various answers. I have not received any concrete information about the whereabouts of my deposit or a timeline for resolution. This missing deposit of {$1800.00} has caused me significant financial hardship, as I am unable to access the funds and have been relying on alternative means to pay my bills. Additionally, this incident has eroded my trust in Chase Bank and its ability to handle my financial transactions securely. Desired Resolution : I request that Chase Bank immediately investigate this matter and credit the full amount of {$1800.00} to my account. I also expect a clear explanation of what happened to my deposit. I recently thought this was resolved with a credit back to my account but it was removed. Please investigate this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a very serious error on my credit file and the company - XXXX XXXX and Experian has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from XXXX XXXX It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company. 
Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase. 
My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with XXXX XXXX which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company. 
When we dispute with XXXX XXXX they say that they are not reporting as a mortgage to Experian. Experian says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.
Product: Debt collection

Resurgent is a third-party debt collector that without permission provided information to the credit reporting agencies This company also made a false representation of the character status and legal status of this alleged debt
Product: Money transfer, virtual currency, or money service

Ive had cashapp for so many years. Over the years Ive had 2 accounts and when people would send money it was to the wrong cashapp even though it has the correct name or I would send money to someone who has the same name but ended up not being the right person. I tried getting in contact with cashapp but at that time there was no number for me to contact them. As the years go by I slowly stop using the app as often. At one point it was my bank and I would have check get deposited in cashapp. But I heard way too many articles about cashapp. So I had to switch to a new bank. Now Ill send money to family now just because I know its them. Other than sending money to family or receiving money from family I dont use it. If I receive money on cashapp I instantly cash it out to my bank. But I feel having my bank card linked to cash app its still kinda risky
Product: Vehicle loan or lease

There was a car loan from capital one auto finance in my name in XX/XX/2017, which I have disputed to be removed from my credit report since it has been repossessed and sold off. I tried contacting the company to fix this error on my report and they keep sending me affidavits for identity theft which this is not the case. I am trying to have this incorrect balance reporting removed because this vehicle was repossessed after i was not able to pay after being diagnosed with a XXXX  sickness and not being able to work. I do not owe the balance that is reporting on my credit and this need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a XXXX time forgiveness of the late payment. ( Basically I had to qualify for the XXXX time forgiveness ) So now in reviewing my credit report from the last update XXXX gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it XXXX says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT. 

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.
Product: Debt collection

This is the letter I sent the collection agency, which explains the issue : XXXX XXXX, 2016 Credence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : INVALID COLLECTION CLAIMS FOR XXXX XXXX XXXX To whom it may concern : Last month, I was told I had to pay my overdue XXXX XXXX XXXX bill in order for my service, which was turned off, to be restored. I paid {$250.00}, which XXXX person told me was the amount due, but my service was not restored. When I called back, I was told that that money was used to pay for an old bill and that I still owed more money. Nobody could tell me what the {$250.00} went to, and my service was never restored. 

I did not owe anything on any " old '' bill. XXXX XXXX XXXX would not have issued me a new phone and phone number if I still owed money on an old bill. 

But it appears that my {$250.00} went to pay that non-existent old bill. I believe this is so because in XXXX, I got a bill from Credence, offering to settle a {$250.00} bill for {$100.00}. Assuming that this was an overdue notice letter for my then-current bill, I ignored it, as I 'd just paid that bill. I did n't notice whether the amount listed was the same as I 'd just paid. I just assumed any discrepancy was an error. Now, as I look at that XXXX letter, I see it has an old account number, XXXX, for an account that had long been paid in full and on which I owed nothing -- certainly not {$250.00}. 

Today, I got a new letter ( enclosed ) stating that I owe an additional {$470.00}, again, with no explanation of what this bill is for, but with my current account number, XXXX. It would be impossible for me to owe this amount, as I just paid {$250.00}, which I was led to believe was going toward the payment of my current account. Also, my phone has been turned off for a month, and I did n't owe this much previously. 

XXXX XXXX XXXX must prove that I owe the money it claims I owe. I dispute both amounts. 

I would like to resolve this amicably, but to be on the safe side, I 'm forwarding all this information to the Consumer Financial Protection Bureau.
Product: Mortgage

After 12 years since we sold house, bank send bill for {$10.00}. when I called they have no explanation for what and they not sure if they will not bill more again. This account was HELAC we closed 12 years ago. Since then we been never contacted by bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i try to buy i car when dealer pull my credit show an account dont belongs to me i call credit accepttance corp talk to 4 different agent but not one were able to help also car XXXX  not luck as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. 1681 The unverified items listed below remain on my credit report in violation of Federal Law. 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 tirst investigation, you stated in writing that you " verified '' that these items are being " reported correctly '' Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the vertication like I asked?

As I am sure vou are well aware. current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a " Reinvestigation that merely shifts the burden back to the consumer and the credit arantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a cooy 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 -CRA - 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 demand the following accounts be verified XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or deleted immediately.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach as a result I have illegal accounts on my credit report, I have cellphone in my name that I didn't apply for, I was a victim of XXXX fraud we're someone used my info. XXXX has admitted to me that I was affected by the data breach but has done nothing to take this illegal accounts of my credit report
Product: Debt or credit management

I have been in the process of getting out of my timeshare for years. This timeshare has sold my information to this third party collection agency called Aspen National Collections without my consent. And I should be protected by the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XXXX XXXX due to illness, which I was finally approved for Social Security XXXX  in XXXX, retroactive back to when I lost my XXXX XXXX position. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XXXX XXXX, XXXX, financed by Bank of America. I have continued to make my {$550.00} per month payments on time. Since XXXX XXXX, Bank of America removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called Bank of America bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XXXX XXXX, although my Jeep was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XXXX XXXX, Bank of America still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. Bank of America also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.
Product: Checking or savings account

Dear CFPB officer, I opened the Citibank checking account on XXXX by signing up the welcome bonus offer that pays {$1000.00} if I deposit {$75000.00} and maintain it for 2 month. I received the offer confirmation email on XX/XX/XXXX, I deposited XXXX on XX/XX/XXXX, according to the offer I should receive the bonus {$1000.00} no later than XXXX, however I still have not received any thing. I called citi customer support many times and each time they can confirm that Im indeed qualify for the offer, they submitted a claim within their system, saying I can get a result in 5 days, Ive been waiting for more than 15 days and still no response. In the meantime I started searching the internet for this matter and it looks like some other users have faced similar issues before. Now I feel like I fell into a scam, especially now I cant even transfer all my {$75000.00} out at once. Citi lured me to deposit all these money with no interest and declined to pay for what they promised. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within XXXX  days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on XXXX yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
Product: Debt collection

XXXX XXXX HAS PUT A BAD DEBT IN THE ABOUT OF {$680.00} AND HAS SOLD IT 3 TIMES SINCE IT BEEN DELETED OFF MY CREDIT REPORT. IT HAS DROP MY CREDIT SCORE DOWN 150 POINT. I'M OVER FRUSTRATED WITH THIS COMPANY. SOMEONE GOT CABLE IN MY NAME WHERE I NEVER LIVED AT.
Product: Credit reporting or other personal consumer reports

XX/XX/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 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 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 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 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 Inquiries According to per USC 1681 I DID NOT AUTHORIZE THE REPORTING OFFICES.
Product: Checking or savings account

In XXXX i learned that my husband had opened account.check where my checks with my name from the social security. My name wasnt on his account so i find i went to the office to try to stop the check but it was to late at the time i had a trach i had my sister to speak with them but they didnt want to hear what was going on i contacted the lady that opened the account i found her card. they owe me from checks that wasnt in his name the fees that they took while my money was in his account the checks should have been stopped once they they it the account and his name wasnt on none
Product: Debt collection

Dynamic Recovery Solutions claims I owe XXXX to XXXX XXXX, this account was paid prior however the balance was significantly lower. The account was paid via money order, it was mailed years ago and it appears it was lost in the mail or applied to wrong account. The balance of XXXX is ridiculously high, it appears additional bogus fees were applied by Dynamic Recovery Solutions which I refuse to pay along with any supposed balance they claim I owe.