23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I got a fraudulent message pretending to be from chase bank saying my account was compromised and a transaction of about {$200.00} was made from my account and I was told to respond " No '' in order to stop the transaction. I responded to that message and I immediately got a call from the number " XXXX XXXX XXXX XXXX " this number almost looked similar to the chase customer service number so I wasn't detecting any suspicious activity at first. This person then told me my account information was compromised and there was another unauthorized transaction of about {$2000.00} about to be made from my account. In order to stop that transaction from happening I was told to remove the Primary contact information on XXXX from my phone number to my email and then was told to transfer {$2000.00} to my number itself. As soon as I did that I checked my transaction history on my chase account and noticed a transaction of about {$2000.00} was made to myself under my name. I also got a message from the XXXX XXXX saying a transaction was made. I do not have an account in region 's bank. Additionally I had also read about this XXXX XXXX happening to a lot more people and have also attached a link to a news article for your reference. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian & XXXX bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit report from TransUnion that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and XXXX ....
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the bureau asking them to valid the accounts XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX. I received a stall letter telling me they received the letter but it didn't appear that I give proper authority to the third part that sent the letter. So I called XX/XX/XXXX and spoke with XXXX who had very bad comprehension skills. She seem to not understand what I was talking about. I asked about the letter and she was talking about inquiries. I asked her to tell me what the letter reads she then put me on hold and hung up. I called back spoke with someone named XXXX I explained the situation she then wanted to get condescending because I told her the representattive didn't comprehend well. She said that they had expedited the dispute. I asked her about the letter she said she couldn't see the letter that the only people that can see the letter is the company which received the letter. I asked who received the letter she couldn't tell me that she said I should know. I told her she should know I wouldn't know but I do know it was received because I got a response from them dated XX/XX/XXXX. So what happened to the dispute letter I send out XX/XX/XXXX? XXXX put me on hold then hung up as well because the questions I was asking about the letter they couldn't answer.
Product: Credit card or prepaid card

I applied for the " Platinum Card '' on XX/XX/2022 and was denied because of a cancellation of my " Delta SkyMiles Gold American Card '' account ending in XXXX. Both of these results were adverse actions whereas the consumer I have the right to reject their decisions. This is my last time trying to resolve this issue before i seek litigation
Product: Credit reporting or other personal consumer reports

Requesting lease addendum and all signed documents. XXXX only provided a tenant ledge with charges that were not validated. A bill is not a verified document.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SANTANDER CONSUMER USA ****** Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER ****** Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Checking or savings account

I opened a Citi Priority Checking Account ending in XXXX on XX/XX/XXXX because I received a special promotional flyer sent to my residence which stated that " I will earn XXXX thank you points if I make {$750.00} in debit card transaction and 1 bill payment for 2 consecutive calendar months within 60 days '', I completed above requirements by XX/XX/XXXX and was expecting the bonus to post within XXXX calendar days ; however, the points did not post within 90 calendar days. So I contacted citi on XX/XX/XXXX and I was reassured that the points would post within 30 days ; however, the points have not been posted as of XX/XX/XXXX. Since this is a targeted promotion and I provided the specific coupon code XXXX upon opening account, I feel frustrated and disappointed in citi 's ability to fulfill this promotion. I request that the XXXX thank you points be deposited into my account asap, and on top of that, XXXX~XXXX bonus points as an reimbursement for the time I invested in following up this case. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a mortgage with Citibank. They are reporting late payments with XXXX. I had pulled my credit and immediately notified Citibank and XXXX. Citibank agrees I have never had a mortgage with them. I disputed the error on the XXXX website. I was just notified that Citibank confirmed the information as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX EXETER FINANCE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXE XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Product: Checking or savings account

I recently opened an account with Chime just last week. So I had my direct deposit transferred to this bank now all of a sudden I get an email this week saying my account has been closed. I still have money that I need sitting in that account I've sent everything that I possibly could to get my account reopened and they keep emailing saying it's not enough.
Product: Money transfer, virtual currency, or money service

A violation of Article II. Terms Between me and Cash App has occurred were as in Cash App has not stored a P2P Payment received one having a transaction identifier ( # XXXX ). 

Cash App instead states an inability to locate any {$30.00} transaction that occurred and instead associated transaction identifier ( # XXXX ) from the XXXX with one completed on XX/XX/2022, having a transmitter Identifier of # XXXX. 

Furthermore, Cash App has insisted to disclose possible account activity that is irrelevant to that violation instead of crediting the amount associated transaction identifier ( # XXXX ) as promised.
Product: Credit card

I received a Costco-branded Citi-issued visa card as part of my membership, Costco having changed its affiliation from XXXX to Citi-visa. Upon receipt of the documentation, I immediately sent Citi on XXXX XXXX, XXXX a letter seeking to opt out of the mandatory requirement that all disputes be submitted to binding arbitration. When I received the actual credit card, I reached out to the Citi-Visa representatives to seek confirmation that my opt-out letter was received and acknowledged. I did this because of any earlier issue in XXXX wherein Citi failed to acknowledge an opt-out of binding arbitration for XXXX of its issued master cards, and when they refused to acknowledge my written opt out, I terminated that account. 
When I was told that I had sent my Costco Citi-visa opt out letter to the wrong XXXX XXXX XXXX I again sent a letter on XXXX XXXX to the XXXX XXXX I was now directed to and upon further inquiry, was told that my opt out had not been received and would not be acknowledged. I sent a third opt-out letter on XXXX XXXX which to date has not been acknowledged.. I was promised by numerous representatives that I would receive some written communication advising me of my status but to date, none has been received. I have not activated the account as I do not want to be bound by onerous terms and conditions of mandatory arbitration from which I have sought exclusion. 
Costco only takes XXXX as a credit card and their branded XXXX affords rebates for Costco and other purchases, which I am not able to enjoy because of the actions of Citi.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. XXXX XXXX XXXX XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, Equifax, XXXX  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 or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX failed to give me my " XXXX  '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXXXXXX  under Section807 ( 1 ) AUTOMOTIVE XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$XXXX per violation XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX is in compliance with XXXX XXXX. I also have report this account to the FTC, and XXXX XXXX XXXXXXXX. I need this collection account to be removed from my credit report XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm subscribed to XXXX XXXX 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect XXXX XXXX illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by XXXX XXXX and if it is included in their " terms '' it needs to be very clear. 

XXXX XXXX, Open Road Lending, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " [ F ] lagship received the application through Open Road Lending, ( XXXX ) XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact XXXX XXXX and Open Road Lending to learn more about the handoff steps each took in sharing the application.
Product: Debt collection

I have not received any information to validate said debt by mail or by phone and i have never heard of this company or had i owed them anything, I have no knowledge of balance owed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX, The amount of XXXX for account of LVNV FUNDI My Actions was sending two rounds of letters you sent that the accounts still remains and have not been fully validated. The credit Bureau is XXXX
Product: Credit card

XX/XX/XXXX I applied for a XXXX XXXX XXXX American Express Card. I was denied and asked American Express to reconsider there decision and today XX/XX/year>2024 I received another denial from them stating I cant get this card. When u called I talked to various agents and also the managers also. I was told I had to wait 5 days for a decision and I guess this was the decision. This company has discriminated against me under the Equal Credit Opportunity Act 15 U.S.C. 1691-1691f Links https : //www.ftc.govhttp : //uscode.house.gov/view.xhtml This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. I asked them a simple question if a person with a XXXX credit score applys for a card and a person with a XXXX score applied for a card who would get the card. The guy did not want to answer this question ignored it really because he knew the answer. They do not let anybody with lower scores to actually get cards with them unless its a prepaid card that you need to pay them to actually use the name of American Express. Anyone with a score lower then XXXX cant get cards approved from American Express. They stated the reasons were 1. I have serious delinquencies 2. There are fewer accounts currently paid or agreed 3. The length of time your accounts have been established. 4.There is no recent information about installment loans on your report. They are not reasons under the Equal Credit Opportunity Act to denie a person its supposed to be equal credit where is the equality at. 

Ref : XXXX
Product: Bank account or service

Enrolled in XXXX preferred without my consent. I 'm XXXX years old and Noticed I 've been charged for this service. My XXXX is not what it used to be, and once my daughter started looking at things she noticed that funds were being withdrawn. Reference number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX