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

I recently ran my credit report and saw incorrect information reported by XXXX XXXX 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Our company received an invoice from XXXX XXXX in XXXX of XXXX regarding an alleged re-delivery charge for a pallet sent to us by a vendor in XXXX of XXXX. We reached out to XXXX XXXX at that time for more information and were told their driver noted they attempted delivery to our warehouse in XXXX but we were closed for business and they were unable to deliver the load. 

I informed them that was a false claim and we were absolutely open for business during our listed hours of XXXX. Additionally, I have provided video evidence from our surveillance system to their XXXX XXXX department proving without question we were open for business and their driver 's claim was an outright lie. 

The re-delivery charge listed is {$600.00}. This week I received a letter from a " collection '' agency named The Receivable Management Services LLC with a demand amount of {$25000.00}, referencing the XXXXXXXX XXXX balance information but adding a fee of over {$24000.00}.
Product: Checking or savings account

Online account breached. Debit card used on the following transactions. I notified the bank within 48 hours. They are unwilling to help reverse the transactions and get my money back. They said " After review, we will not be able to proceed with chargebacks for these transactions and encourage you to work with the merchants for any refunds available. '' I know this is not the result you're looking for, but if there's anything else we can assist with please feel free to reach out. 

Best, XXXX - Disputes Specialist Here are the transactions : XXXX {$95.00} Checking XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$100.00} Checking XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$290.00} Checking XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX XXXX {$640.00}
Product: Payday loan, title loan, or personal loan

SoFi heavily solicited me with a " pre-approved '' offer of a loan for {$50000.00}. I finally accepted their pre-approval and submitted the requested documentation to prove identity and income. Shortly after discovering I was XXXX XXXX through means of my driver 's license the company denied my loan citing an inability to verify my income. I have worked for the same company for well over a year, the company did not ask me to provide additional documents or even give me a chance to " verify '' my income. When I called to have a more detailed description of the reason for denial the representative thought the denial reason was " odd '' and said so directly. I personally know of other well qualified high earning XXXX XXXX that received pre-approvals and were then " denied '' mysteriously from this company after their identity was verified. It is my strong belief that this company discriminates against XXXX XXXX. When I asked for how they determined my income could not be " verified '' they refused to release the name of any agency or consumer reporting agency that they based their decision off of. They wrongly justified their position of not releasing the agency used to make their decision as proprietary information, despite the fair credit reporting act specifying otherwise. There unethical lending practices lured me into applying for a loan product with them, leading to a hard inquiry on my credit which has prevented me from securing the loan I need with a more reputable lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.
Product: Checking or savings account

My car rental company processed a refund to my Debit card, however, they sent it it to my original debit card which was closed due to fraud. So the bank issued me new debit card number, but still tied to the same checking account. The refund was processed on XX/XX/2021 under XXXX : XXXX. To this date, my bank, HSBC USA has not found the money and they have not credited my account. The car rental company says they sent the money under that XXXX, and Bank doesn't know how to look for the transaction. They have given me the run around, they are too busy, it's XXXX, it's XXXX, it's XXXX... everyday there is an excuse and I'm tired of it. 

Here is the confirmation I have from XXXX Car Rental : From : " XXXX '' XXXX Date XXXX Wednesday, XX/XX/2021 at XXXX XXXX  To : XXXX XXXX XXXX : Re : FW : Your XXXX  Invoice XXXX from XXXX for I. XXXX Dear XXXX XXXX, Please accept my sincere apology for the delay in response from XXXX and XXXX. I will certainly further address. 

I have checked with our accounting team and they have confirmed that the refund was processed to the form of payment on file, Visa ending in XXXX on XX/XX/XXXX in the amount of XXXX XXXX. According to documentation your banking institution accepted the refund. With this being said I kindly ask that you partner with your banking institution and provide them the following confirmation code of your refund : XXXX  : XXXX. 

Should you have any further questions or concerns feel free to reach back to us.
Product: Checking or savings account

I requested a cashier 's check from Ally bank to issue from my checking account on Saturday, XX/XX/XXXX in the amount of {$7000.00}. Money was taken from my account on Monday, XX/XX/XXXX with a fee for a guaranteed 2-3 business day delivery. I called Wednesday, XX/XX/XXXX because I had not received the check, it had not yet been shipped, I called again Friday, XX/XX/XXXX and the check has not yet been shipped. They refuse to give me an answer as to why, they will not return my phone calls and I am kept on hold for XXXX minutes waiting to speak to someone and no one comes to the phone. They refuse to provide tracking information or confirmation of the check being sent.
Product: Mortgage

The purpose of this email is to inquire about a decision that was communicated to me by the servicer of my mortgage loan. My husband and I fell upon a temporary hardship and sought the assistance of Shellpoint MTG. We were mailed information about a Modification. Our hardship was temporary however impacted our lives financially causing the mortgage to fall behind. After submitting all the necessary documents we were advised by our single point of contact : XXXX XXXX that underwriting would review and make a decision within 10-14 days. On Wednesday XX/XX/18 I received a phone call from the POC and was advised that the modification was denied. Reason : The investor ( XXXX XXXX XXXX XXXX ) does not accept Modifications. She indicated the decision was not up to shellpoint MTG but up to XXXX XXXX XXXX XXXX. In doing my research I obtained your information to contact the bank and speak to someone about the determination, only to hear a recording that indicates the investor has nothing to do with the decision to modify the loan and that the decision was up to the servicer. 
There seems to be a miscommunication or lack of understanding and I would like nothing more than to resolve this matter. Please review and assist. 

Mortgage Servicer : SHELLPOINT MTG Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX NJ XXXX Point of Contact : XXXX XXXX : XXXX Mortgage : XXXX XXXX Deed : XXXX XXXX / XXXX XXXX The property is occupied by my husband & I and our kids
Product: Bank account or service

I paid off a charge-off account at Chase Bank N.A. and noticed that they still have me listed as owing them money on XXXX database. After reviewing my credit report they removed the entry but left it on other Consumer 's Reporting agency 's file. I hereby demand removal on ALL entries and reports.
Product: Money transfer, virtual currency, or money service

I sent money to someone who mislead me to believe that they were selling me something and was scammed.
Product: Credit card or prepaid card

I had two Comenity Bank cards that were paid off in full never late three years ago. Since then I have been placed on a black list and any of their Cards I apply for gets declined for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I have hard inquiries that needs to be removed from my credit report asap. All hard inquiries will be in my ftc report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I applied for a Well Fargo credit card online and received application # XXXX via email. Immediately after filing this application, I received an XXXX XXXX informing me that Well Fargo did a hard pull on my credit file. However, on XX/XX/XXXX, I received a letter from Wells Fargo informing me that my application was denied due to " Identity can't be verified '' despite all the identity information provided by XXXX. They requested to call XXXX to provide identity information. I called Well Fargo on XX/XX/XXXX, and faxed copies of my Arizona XXXX ID card, utility bills, and bank statement showing the correct address and name on all of these documents. However, I received an email message on XX/XX/XXXX informing me the following : " After carefully reviewing your Wells Fargo Active Cash Visa card application, we can't provide you with a credit card at this time. ". 

Despite my excellent credit history, this company made a decision to deny me a credit card after damaging my credit report with hard pull and falsely claiming that my identity could not be verified despite all the information I've provided to them. This is unacceptable, I need full information on what they meant by their inability to verify my identity. What would a company need more that an ID card, utility bills, and credit report provided by the credit bureau??
Product: Checking or savings account

I filled a complaint against Bank of America because of an unauthorized transaction. 
Bank of America responded in part We may deny a claim for losses due to unauthorized transactions ( XX/XX/2022 ) if you do not guard against improper access to your account information. 
The CFPB has an obligation to protect consumers from fraudulent activity and not to defend the unscrupulous practices of corporations. 
This transaction that incurred {$100.00} on my account was not authorized. 
I demand the CFPB to protect my consumer interest in a matter that has been wronged.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.
Product: Debt collection

TD Auto Finance charged off my account XXXX of XXXX. They refused to accept payments and told me if I was not able to pay XXXX in one lump sump I would have to wait until the account is sent to collections. They stated this is their policy and they can not do anything to assist. They updated my account ever month after the charge off with late payment and added interest to my account. the current balance on my credit as of XX/XX/XXXX is XXXX, XXXX. TD Auto has never sent a statement the charge off dates but it was continue activity on the account even when it was place in collections. The balance with the collection company is {$7300.00}. TD Auto Finance is not reflecting this amount or the payments I have made on my credit report. If they are activity reporting, they need to prove statements when interest is added. They are not doing this at all. I contacted TD Auto Finance and they informed me they are reporting correctly. This information is not correct because they will not accept any payment from me, but mark my account as a late payment every since month. This has hurt my credit tremendously. I tried to be proactive and ask TD Auto Finance if I can may payments or even get a new loan and roll the balance into the new loan. All my attempts were denied.
Product: Debt collection

I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling XXXX  XXXX, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from XXXX  XXXX  in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that XXXX XXXX  would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX  XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If XXXX  XXXX  has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a penny more. XXXX  XXXX  must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.
Product: Student loan

After hearing about the recent allegations against Navient, I would like my loans verified. If they ca n't be verified, I would like them removed from my report.
Product: Money transfer, virtual currency, or money service

Up until last week I've never had an issue withdrawing money from venmo. However last week it would not allow me to withdraw to my bank account. So I purchased XXXX and transferred it to an external wallet last week. Today on Sunday XX/XX/year>, my sister sent me {$100.00} on venmo. Instead of trying to transfer to my bank account, since it wouldn't last week, I purchased XXXX to send to an external wallet again. This time I received a message saying could not process transaction at this moment. Spoke with tech support and they said my transaction has been flagged but could not provide me any details on why it had been flagged. The support member advised me to sell my XXXX and transfer it to the mother company PayPal. I took his advice and sold my XXXX for a fee charged by venmo. Now I can not access any funds until XX/XX/year>, a XXXX review has been placed on my account. I follow the instructions of venmo customer service support, was charged a fee by Venmo to sell my XXXX, and now venmo has placed a XXXX review on my account not allowing me access to my funds.
Product: Credit reporting or other personal consumer reports

Hi, Recently, I come to Know through XXXX XXXX XXXX check up that Bank of America made XXXX different credit cards using my social security number without my consent. 

Credit Card # XXXX : Opened XX/XX/XXXX and left a balance of {$840.00} and closed it on XX/XX/XXXX. So that balance is still on my name. 
Credit Card # XXXX : Opened XX/XX/XXXX and did some transaction themselves. Then paid in full or write off the balance and closed it XX/XX/XXXX Credit Card # XXXX : Opened XX/XX/XXXX and XX/XX/XXXX. Also did some transactions but paid or write off the balance not sure. 

They also created my new name by adding a fake middle name in my name. Also change my last name and created a third fake name. 

I am not sure who but probably they also added a new job ( not mine ) and new home address ( not mine ). 

I respectfully request to XXXX Bank of America to issue the refund of {$840.00} and clear these XXXX fake credit cards from my credit history. These fake credit cards drop my XXXX XXXX for about XXXX point negative. Also please charge bank of America a good penalty so that they learn they lesson and never use consumer social security number to make fake credit cards without their consent. Please compensate me in that penalty since because of these, I have to spend so much time to clear my credit history. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS IN VIOLATION OF SECTION 609-811 OF THE FCRA AS THEY ARE CURRENTLY REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE ATTEMPTED TO RESOLVE THIS MATTER BUT THEY HAVEN'T RESPONDED. 

THE ITEMS BELOW ARE WHAT IM COLAINING ABOUT. : XXXX XXXX XXXX { ACCOUNT } INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. 
ADDRESSES : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX GA XXXX XXXXXX/XX/XXXX, XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This started about XX/XX/2020when I was tried to purchase a car. A salesman pull my credit report and score to sale me a vehicle. I was denied. I went on line to retrieve my report. I got 2 reports Equifax stated " NO SCORE '' I called them to ask them to remove the freeze, If there was one there. The representative said that she did not see one. She said " she will mail me a copy of my report and score for free ''. I received the report and score about 10 days later. XX/XX/2020,. I tried to get a loan and was denied again. I repeated the same process and was told the same " no freeze '' The representative asked me to go directly to www.equifax and I will have a 30 day free trial. Stated that anyone who I give permission will be able to see my report. I printed a copy of my report and score. aboutXX/XX/2020 I applied for a loan and was denied again after Equifax representative told me that I would have a 30 day free trial and that Anyone will be able to retrieve my report and score. I tried to pull my report just to check and report still said, " NO SCORE '', I continued to check and at the same time talking to Equifax representative to find out what was going on she was telling me that she saw no problem on her end. Stated that they had a problem about 2 years ago with a scam. She also tried to tell me that no one has been reporting about my credit. I stated that, that could not be true because I had been applying for loans every since XXXX. On the reports that I received by mail and printed. It had all updated information.
Product: Credit card

On XX/XX/XXXX, while booking a flight on Delta Airlines on-line, I was offered a Delta Skymiles American Express credit card. 
The offer included {$400.00} credit on future purchases, no membership fee the first year, and {$99.00} in subsequent years. 
When I received the first statement, it showed that I owed for one purchase plus {$250.00} for a yearly fee. 
I called American Express customer service to inquire about the unexpected fee and I was told that the original offer was for a Gold card and not the Platinum card they sent me, which I did not request. 
Additionally, the {$400.00} credit was only good for future Delta bookings and not for other purchases. 
I immediately requested that my card be canceled and the yearly fee rescinded ( I did pay for that single purchase ). 
I have been receiving monthly statements to this day ( XX/XX/XXXX ) requesting payment for the {$250.00} fee plus {$5.00} in interest. 
I called customer service several times, including on XXXX and XX/XX/XXXX to request cancellation of the remaining balance, yet I keep getting statements showing I still owe for the membership fee plus an interest charge that keeps growing every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was involved in the Equifax data breach earlier this year or last year. When I found out that my social security number was involved, I went about the steps to claim compensation. Since I already have credit monitoring Services I opted for the cash settlement of {$120.00}. This occurred in early XX/XX/2019. I followed all the directions of their subsequent emails after filing my claim and have met all their criteria to receive the settlement. However it has been 6 months and I have not received any confirmation any settlement or anything regarding my claim. Equifax offered either 10 years of credit monitoring or the compensation and since I already have credit monitoring I opted to get the compensation of {$120.00}.