23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While shopping for XXXX XXXX online on XX/XX/XXXX, I believed I was on the company website and entered my credit card information to purchase shoes. However the transaction was 'declined ' as were several later attempts with other credit cards. I contacted the official XXXX company customer support and was informed I had been shopping on a fraudulent website. I immediately contacted Citibank MasterCard about the fraudulent website and was told to wait and see if any fraud charges occur.

No fraudulent charges appeared until I checked the account on XX/XX/XXXX and discovered ( without notice from Citibank ) XXXX fraud charges for {$19.00} each ( a few for less than {$10.00} ) that total {$9600.00} from XXXX XXXX in XXXX, XXXX posted on XX/XX/XXXX and XXXX. 

I immediately contacted Citibank Fraud Department and I spend an hour with the representative as she registered each transaction as disputed and also sent a new card. I explained the situation and said I did not recognize XXXX XXXX, never ordered anything from them and never received anything from them. 

After XXXX very long phone discussions in XXXX with numerous Citibank representatives we could not obtain further information on the investigation other than 'in process ' and it may take XXXX to XXXX billing cycles to complete. 

On XX/XX/XXXX, I discovered the investigation had concluded with no fraud found and I was responsible for {$9600.00} ( after XXXX transaction for {$19.00} was closed in XXXX with a credit to my account ). I was told since I had given my card information to the merchant and therefore it was not fraud and I was responsible. I repeatedly told Citibank that I had NOT provided my card information to the merchant but I could get no further resolution nor explanation as to when this was decided and how could I appeal this erroneous decision.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2022 I received a letter from Paragon Revenue Group attempting to validate a debt they claim I owe. This letter included document of my medical records that I did not authorize for them to access. I did not sign any HIPPA form allowing this collection agency access to any of my medical records. This is a direct violation of HIPPA.
Product: Credit reporting or other personal consumer reports

I am disputing the negative late payment reported by XXXX ( Account Number : XXXX ) ** on my credit report. The reported amount of {$0.00} is incorrect, as it does not reflect an accurate or legitimate balance for the account in question. 

Additionally, the presence of a late payment entry with a {$0.00} balance is inconsistent with standard reporting practices, as a late payment should typically correspond to an outstanding balance. This discrepancy suggests an error in the reporting process and could potentially be an indication of a system or clerical mistake. 
I am requesting that this late payment entry be thoroughly investigated and removed from my credit report if it can not be substantiated, as it is not accurate and may be harming my credit profile unfairly.
Product: Checking or savings account

On XX/XX/2023 I had a direct deposit made into my account from an investment account. My intention was to use those funds to purchase a vehicle that we had ordered from the manufacturer and were under contract with the dealership for. In the same manner we had used previously for a different vehicle purchase we had the money transferred into our account with USAA FSB with the intention of ordering a cashiers check to complete our purchase. When I called to initiate the cashiers check I was told that they were unable to complete my request. I was told that it was their " policy '' that my account did not qualify for a cashiers check, when asked why as we had banked with them for more than 14 years. I was told that in XXXX I had XXXX NSF due to an automatic payment I had forgot about and had already made that payment to the company. I asked where I could review this policy as to the reason 's they can restrict my access to a cashiers check and they have been unable and unwilling to provide that documentation. USAA does not have local branches so we are unable to go into a location and discuss in person. We are now in potential violation of the contract we signed with the dealership because they did not previously disclose restrictions on cashiers check requests. XXXX more, in the phone conversation that took place on XX/XX/2023 the banking representative told me that they probably shouldn't have told me the reason they couldn't give me access to my money, and because she did she would probably get in trouble for it. I am concerned that they are keeping secrets from me regarding my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 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 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I paid in full a credit card with Wells Fargo and upon payment I closed the account. The credit card account is still reporting open and with the balance pre full pay off. Card was paid off XX/XX/year> and closed. 
They stated earlier this month they report to the credit bureaus on the XXXX of the month, so they would have reported XX/XX/XXXX. There was nothing they could do. Now XX/XX/XXXX past and still no change on the Wells Fargo account ending. 
I have now had to file diputes with all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Product: Mortgage

I obtained a loan through US Bank Home Mortgage in XXXX, XXXX. I have gone through XXXX bouts of XXXX, mutilple modifications, and a XXXX Judicial Foreclosure Proceedings and battle with US Bank 's attorney, through Asset Foreclosure Management XXXX XXXX of Alleigant Law in approximately XXXX. 

Since then, despite paying and currently living in this home, I've been paying through modifications and currently am current and outside of modification. I've paid property taxes. I am current on my mortgage yet CAN NOT find a record in ANY of the XXXX credit reporting agencies for my mortgage. I have been XXXX twice since XXXX and have been in modifications, but have consistently been the owner of record in the XXXX XXXX XXXX department. 

I have never refinanced my loan and have had to pay for an attorney fees to get back in my home after moving out after an assault inside my home that led to my first bout of XXXX. Despite defaulting on XXXX fees, and their attorney fees as a result of the judicial foreclosure US Bank brought against me. I now owe $ XXXX more because my account has never been updated to reflect that I'm current. I don't understand how it's possible to be this far behind and have not indication that I ever had a mortgage through US Bank through any of the major reporting bureaus. 

My credit report has suffered significantly because of lack of financial stability, despite having this condo for XXXX years. I am now in a second bout of Federally approved XXXX and live on a very low income, during a global pandemic AND I'm still CURRENT on my payments. I'm an XXXX XXXX, single woman without a college degree, a deep trauma recovery survivor, a survivor of a very recent medical and XXXX discrimination and criminally harmed on XXXX of XXXX. SOMEHOW, I'm still alive and just realized the one good thing in being a homeowner I have is not even valid. And US Bank National Association has strung me along for the last time. 

Please look into this. I'm not lying. I have proof of everything attached. I was a legal assistant and submitted all records to US Bank during the ENTIRE process of the Oregon Foreclosure Avoidance ProgramXXXX XXXX XXXX XXXX XXXX XXXX That is where I met the banks representative, XXXX when she was under the law firm Law office XXXX XXXX XXXX XXXX XXXX Foreclosure was her business name. The agency took control of my condo for several years of my condo and I rented at far more than the cost of my mortgage from approx. XXXX through XX/XX/XXXX. Plus I had to move a total of 3 times to get back to this place and pay for movers. I could not handle rectifying this matter at any other time except that it is distracting me from the newest trauma by advocating and rightly defending myself here. 

I greatly appreciate your assistance with this matter. 

Thank you very much, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate/outdated/incomplete personal information.
Product: Student loan

I consolidated my loans in XXXXXXXX XXXX XXXX, and it was processed in XXXXXXXX XXXX XXXX. At the time, I had 122 payments towards Public Student Loan Forgiveness, and XXXX on my other loans that were consolidated. Under the temporary IDR adjustment that was extended at least through XXXXXXXX XXXX XXXX, my highest payment count should have been honored for all loans, which makes me eligible for forgiveness. I was also advised to consolidate by Mohela to take advantage of this program. I have submitted all paperwork in a timely manner and have updated my employment certifications as recently as XXXXXXXX XXXX XXXX. There has been no movement and my account continues to accrue interest due to the fact they placed me in voluntary forbearance, when it should be administrative forbearance. This month, I was placed into a voluntary medical internship forbearance, which is false. I did not ask for this and it is unethical to state that I am completing an internship that I am not in any way part of nor did I ask for, all the while, interest continues to accrue, increasing my student debt burden. I have called Mohela and the Department of Education numerous times, sent messages, and no one seems to know how to fix this. I am beyond frustrated as I feel I have exhausted all efforts, hence me filing this complaint. I have screenshots, all documentation, yet still no update. Others who submitted applications after the fact are receiving forgiveness, yet many of us, myself included, keep accruing debt because Mohela and the DOE can not get the information and counts accurate. The resolution would be to update my payment counts for PSLF and forgive my loans so my debt burden does not continue to increase due to the mismanagement of the process. This is what was passed by our government, yet no follow through and the lack of action is impacting me and my families future.
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

I have provided all of the documents this company has asked and they have not removed the block from my report. They have my ID, my police report and address. They still have it blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to equifax confirmation # XXXX regarding the removal of two inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the Equifax failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Product: Money transfer, virtual currency, or money service

I initiated a transfer Western Union through their app on XXXX XXXX 2024 of {$800.00} from XXXX to XXXX which amounted to XXXX XXXX. Transaction details and receipt states " Date Available in XXXX Receivers XXXX XXXX ''. I called their customer service number later in the day on XXXX XXXX 2024, and was informed that the money would be available later the same day. The money was not received or available on XXXX XXXX 2024. I called first thing the next day and was told that since the money didn't go through the other day, it would go through on XXXX XXXX 2024. I called back again and was assigned a case number as they were now unsure when the funds would be available and needed XXXX hours to investigate the issue. I called back again and then asked to cancel the transaction since they couldn't provide the funds on the date stated in the transaction and was told that they couldn't give me back the money, but they also couldn't make it available to the recipient.
Product: Payday loan, title loan, or personal loan

Receive a loan and more interest is being charged, has paid hundreds of dollars and principal still barely going down at all, and deducts this amount out of my accout every pay day every other week. since XX/XX/2019, it is now XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX service account # XXXX and XXXX XXXX XXXXXXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I hope this letter finds you well. I am following up on my previous communication regarding my request to delete my personal information, as well as any associated accounts, from XXXX records. Specifically, I am referring to the tradeline related to Loan Agreement No. : XXXX and XXXX, which should have been deleted from my consumer credit report with TransUnion.

I understand from your previous response that my privacy request is being processed, and the sharing of my information has been limited in accordance with your privacy notice. However, I have reviewed my TransUnion credit report and can confirm that the tradeline associated with the loans mentioned above has not been removed. 

As outlined in my previous letter, I am requesting the immediate deletion of this tradeline from my credit report, as mandated by my rights under the California Consumer Privacy Act ( CCPA ). Please provide me with an updated confirmation, in writing, that this deletion has been processed.

Additionally, I ask that you send me an official statement confirming that all records associated with my personal information, including but not limited to the loan account details, have been fully deleted from all systems and data sources, in compliance with my privacy request and the CCPA. 

. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I opened a Citi bank " Citigold '' account by using a promotion code stating that I would earn XXXX Citi Thankyou points if I completed XXXX qualifications : {$1000.00} dollars spend in the first 3 months and a bill payment in consecutive months for the first two months. I completed these requirements in XX/XX/XXXX. The agreement with Citi stated that I would receive my Thankyou points within 90 days after the month that I completed the requirements. I have written confirmation from Citi stating that the Thankyou points would be deposited in my account by XXXX/XXXX/2016. The points should have been deposited by XXXX/XXXX/2016, but I have written confirmation stating XXXX/XXXX/2016. I have tried numerous times to get Citi to honor this promotion. I have made multiple calls and asked to be put in touch with a supervisor. I have asked that a member of the executive team at Citi call me back on 3 occasions. Each time I have been promised a call back within 24 to 48 business hours. I have yet to receive a phone call from anyone. Ultimately, all I want is Citi to honor this promotion.
Product: Credit card or prepaid card

I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the lates removed.
Product: Debt collection

Creidt Collection Services says I have debt with XXXX XXXX. 
. However all payments were made to the insurance company when the policy was active, and upon termination of the policy the XXXX XXXX issued a refund.
Product: Debt collection

PHOENIX FINANCIAL SERVICE {$490.00} I never used they service never have the account with them I called never pick up the number of the company is from somewhere else. I do some research the company is a fraud
Product: Debt collection

Threaten to sue, call my job for my supervisor, threaten to garnish wages and repossess my car, called all hours of the night XX/XX/2018 XXXX XXXX   collection agency jh portfolio debt equities
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX this company has been trying to contact to collect {$570.00} that I don't owe them.I am disputing owing any debts to this company. I am revoking all rights of them communicating with me through emails, text or calls. I am requesting a depth validation from this company.I am also requesting the purchase agreement between them and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded. This collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX are not investigating my disputes. There are so many inaccurate reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a dispute letter was submitted via mail and fax to Transunion, XXXX and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to me.
Product: Debt collection

This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication.

The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.
Product: Payday loan, title loan, or personal loan

Having Trouble paying off this loan, Not being able to make my Rent on Time and having nothing left for Groceries for my family of XXXX let alone gas to get back and forth to work this is now XXXX payments in of XXXX That is well over what we borrowed of XXXX They have now collected XXXX I need them to stop taking money from me and my family its hard as it is with them charging such a HIGHER than normal interest rate telling me that it is going to total out to be XXXX on a XXXX loan that is absurd.