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

I applied for a XXXX Credit card that would be issued through Chase Bank onXX/XX/XXXX. I recently pulled my annual credit reports and found there are additional hard inquiries for Chase Bank that I did n't authorize. They are showing on my XXXX and XXXX reports. On my XXXX report, it shows the address associated with the inquiry. The unauthorized inquiries are associated to an address that I moved out of in XX/XX/XXXX. the unauthorized inquiries were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

I have been a Citibank client since XXXX, first abroad and then in USA. 
I currently have 3 accounts ( 2 savings, 1 checking ). 
Since XX/XX/XXXX, the online access of my accounts has been constantly blocked by Citibank, for reasons nobody can really explain. 
I have contacted my Executives ( Mr. XXXX, Mrs. XXXX ) many times, and still the problem returns. 
I am a hard worker person ; I travel, I need my accounts to work. 
This has caused me many problems : -Damage of my credit and reputation, because I have been late on payments due the lack of access to my accounts. 
-XXXX  and XXXX. 
-Waste of my time and money ( late fees paid ). 

I have answered ALL the questions the bank has asked me. They say all is my fine, and still, Citibank blocks my accounts ; and then every time, I must go through a long process : phone calls, change of IDs, passwords. 
At the moment I type this, one of my accounts has been blocked ( not online access ) for over a week. 
Who is responsible for the all above damage?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/TransunionXXXX ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXX*Multiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Product: Credit card or prepaid card

XXXX / SYNCHRONY BANK has started charging me a new fee called a card security fee. I did not authorize this fee and when I tried contacting them, they did not help me by canceling the fee. It is my understanding that this is some kind of payment protection. I don't want it. I didn't authorize it and I don't understand why they added this " benefit '' without my authorization. I want this fee taken off my account and the money they have already collected from me for this fee refunded.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on dates ( XX/XX/2024 ). I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal. They also promised that my money was going to be available in 180 days but my account is still limited. They send me an email after the 180 days hold they put in my account stating that my PayPal funds were eligible for withdrawal but that was not the case. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing incorrect information on report. The account was never late and is paid off, attach proof of overpayment.
Product: Money transfer, virtual currency, or money service

I posted a bed to sell on XXXX XXXX app. Then a user named XXXX said her step father, XXXX XXXX, was interested in buying it and gave me his email : XXXX. I then contacted him and he said he would send a mover to check the bed and pick it up and send me the money as a cashier check to my home address. He also mentioned he was going to send more than the price of the bed and asked me to pay his mover who was going to pick-up the bed. I received the cashier check and deposited it at the bank and garbbed the mover 's money in cash. Then he messaged me saying the mover wanted the money wired to him instead of cash. So I sent the {$1600.00} to the mover with the information I got from the buyer through Zelle : XXXX XXXX XXXX. The buyer also gave me an alternative Zelle contact information incase the first one did not work : XXXX XXXX : XXXX. This was all on XX/XX/XXXX. On Tuesday XX/XX/XXXX the day the mover was supposed to come I got a message from my bank ( XXXX ) that the check couldn't be deposited due to an issue. I then called XXXX customer service and found out it was a fraud and I had lost {$1600.00}. The buyer was no longer answering my messages, emails, or calls. And due to the fraudulent check the bank decided to close my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted Nelnet and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested Nelnet for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, In XX/XX/XXXX,  Nelnet reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at Nelnet, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Product: Debt collection

I'm trying to buy a home this year and I found out about a XXXX debt of XXXX dollars that I'm trying to settle. I have tried calling over 50 times and sent an email with my information so they could reach out to me and nothing. The company is Waypoint Resource and the only phone # I can find is XXXX XXXX XXXX XXXX and I cant get through to them. 

I am trying very hard to better my credit and its unacceptable that this company is failing to do their job and even be contacted to do their job. I have the money to settle, this is needed to move forward to get pre approved for my mortgage and I didn't even this was affecting my credit negatively. If you could please assist me with moving forward and settling this debt I would be very appreciative. 

XXXX XXXX
Product: Debt collection

XXXX and XXXX  to Caliber Home Loans , Inc. re undated newly produced XXXX to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent XXXX her non-endorced Note and two standing alone XXXX 
XXXX XXXX  was dated XX/XX/XXXX, allegedly from XXXX XXXX XXXX to Caliber Home Loans, Inc ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by Caliberss post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is Caliber while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this XXXX was created and provide the actual date and office location where this XXXX was created. 
Caliber must disclose the full name of the Seller of Loan XXXX, when and where this Loan was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX
Product: Credit reporting

THESE ACCOUNTS BEING DELETED AND RE-ADDED THAT ARE NOT MINES IS CAUSING ME GREAT HARDSHIP AND WILL HAVE NOT CHOICE BUT TO CONTACT A LAWYER. 

I have had XXXX accounts readded to my credit report. The more I dispute the more wrong my report is causing me hardship. I can also not get access to my credit report. 
Accounts re-added are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) accounts and XXXX that is more than 10 years old. 
These accounts are being deleted and added back each month. 
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Closed 1 Missed Payment {$1000.00}
Product: Credit reporting

The credit bureaus XXXX, XXXX and Transunion are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX Visa 's, Discover, and American Express accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX XXXX XXXX mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, XXXX, and Transunion Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that I should have been notice from Stellar Recovery , Inc. that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to Stellar Recovery , Inc . If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT STELLAR HAS WITH EACH CREDIT REPORTING AGENCY!
Product: Debt collection

Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I saw what I believed was a fraudulent charge for {$35.00} from XXXX on my Chase bank card ending in XXXX, I disputed the charge with Chase. Chase closed my card ending in XXXX and I received a new card. A few days later found the charge was my daughter mistakenly using my card vs her card for the XXXX purchase. I then informed Chase the charge was not fraudulent. They reversed the fraudulent charge, recharging my account. 

Subsequently, I received a letter from XXXX dated XX/XX/year> that they were unable to recharge to my bank card XXXX ( because it had been closed by Chase ) and was advised to pay using another card. 

XXXX was given XXXX ending XXXX by my daughter to pay the {$35.00}. Chase then also paid the charge using my new bank card. XXXX has now charged {$35.00} to both my daughters XXXX and my Chase card. 

The {$35.00} was charged twice, once on the XXXX ending in XXXX and once on my closed bank card ending in XXXX. Since then, I filed another claim asking Chase to remove the {$35.00} charge without success. My daughter also has been talking to XXXX asking for a refunding of {$35.00} charge without success. 

Im asking Chase for a refund of {$35.00} to my account. 

XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened Student loan account with MoneyLion Inc on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with XXXX. XXXX  simple reported information correct and did not remove the account. 
I have also contacted MoneyLion Inc and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name MONEYLION INC Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX You are in Direct Violation of The Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX XXXX XXXX, acct number XXXX, dates XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602.A. Clearly states that 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.

15 U.S.C 16668 : A creditor may not treat a payment on an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

The Legal representatives of XXXX XXXX XXXX - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a Small Claims action suit against me as the claimant, in XXXX XXXX, Alabama - XXXX # XXXX. The small claims states that their " records indicate that we purchased this SYNCOHRONY BANK credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that SYNCOHRONEY BANK had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of SYNCOHRONEY BANK prior to any statement of collection by XXXX XXXX XXXX, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, XXXX XXXX XXXX, and their legal representatives still continue to make collection attempts. How do I stop this harassment?
Product: Credit card or prepaid card

American Express declined to increase my limit, they provided me with incorrect reasoning and a false credit score. When contacting customer service on multiple occasions they told me they were transferring me to the correct department when they were realistically sending me to start a new call. This was on XX/XX/XXXX. The date the credit limit increase was requested was on the XX/XX/XXXX and they claim the request was made on the XX/XX/XXXX. This is for a corporate credit card. At this point I feel I am being discriminated against for my age or for their knowledge of my previous credit scor prior to corrections. Also, with my previous employer my credit limit was set at XXXX and now this is set at XXXX. Im being forced to utilize this credit card through my employer. I need them to correct this and provide me what is provided to the rest in my company without discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXXtransunion has me at a score around XXXX. 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXThis 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 XXXX XXXX they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.