23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I, XXXX XXXX, opened a new citi bank account on XX/XX/22. I then proceeded to deposit XXXX by a check from my joint account with my husband at XXXX bank account on XX/XX/22. After depositing the money into the citi account, I was informed that Citi closed my account due to suspicious fraudulent activities even though there was no other activity on the account. The Citi account was closed, but Citi still has not returned my {$76000.00}. I called Citibank several times but no one is willing to verify the facts and return my money. Please tell Citi to give me the money back and reimburse me for the loss of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I spoke with the Experian resolution dispute center. They were rather unhelpful in that they denied that there were any issues with my payment history even though they stated on their website ( screen shot available ) that I should Pay On Time The FICO Score Simulator can help you see how your actions may impact your FICO Score 8. What could happen to your score if you paid all your bills on time? 
Your Current Score XXXX Very Good **Based on Experian data as of XX/XX/2021 I do pay my bills on time as indicated by the same web site : Your payment history is EXCEPTIONAL 0 Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft. 

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once
Product: Vehicle loan or lease

I recently refinanced my auto loan with PenFed credit union upon signing the docs on XX/XX/23 I noticed there was no disbursement date listed so I could determine when interest would begin to accrue. After calling in to the service department an agent told me the loan would begin to accrue interest the moment I signed loan docs ( XX/XX/23 ) even though the funds were sent via check and not cashed for 12 days. I requested a call back from a supervisor and the second I picked up the phone it was disconnected and I received a message stating my call was returned. UDAAP My old finance company ( XXXX XXXX XXXX ) confirmed the funds were received an applied on XX/XX/23 which is the actual and correct disbursement date. 

I should not have been charged interest for the 12 days as no funds were disbursed to me or the previous financing company. I also think trying to charge consumers for interest on a loan the company knows will not disburse for 10-15 days is an unfair, deceptive, or abusive act and practice. ( UDAAP )
Product: Credit card or prepaid card

Both avenues to make payments was down. Using the phone, after I entered my payment information the phone app canceled my transaction. So I went to the app. The app did the same thing after I entered my checking account information the app canceled the process. And they will do nothing about it except charge a late fee. This is an unfair process for customers. Something needs to change. Who is accountable??? Just the customer
Product: Credit reporting or other personal consumer reports

Recently I've mailed multiple dispute letters to Transunion regarding an account which is reporting inaccurately. In the previous dispute letters I asked them to ensure that this account is reporting accurate information and to to remove anything that isn't accurate. They responded that this account is accurate but still even after multiple investigations I can prove that there are multiple inaccuracies reporting which is against 15 U.S. Code 1681i - Procedure in case of disputed accuracy, section ( 5 ) Treatment of inaccurate or unverifiable information. I am aware that it is the credit reporting agency 's duty to do what's fair and equitable for me as a consumer in which I believe I wasn't given a fair investigation. If Transunion responded that this information is accurate, how are there still multiple inaccuracies and violations reporting? Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions, subsection ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am aware that certain information is not included in a consumer report by definition which Transunion violated. They failed to properly investigate this account in which it reports totally different information than what the other credit reporting agencies are reporting. How can an account report 30 days late, then closed, 30 days late, then closed? The account number is completely different from what the other credit reporting agencies are reporting. I acknowledge that I have a right to privacy and in order for any account to be reported to my consumer report I must be given the right to opt out from this information being reported in which I never was never made aware of this from the creditor reporting this account. I would like to flex my option to opt out of this information being reported on my consumer report in which Transunion must abide by. By Transunion still reporting inaccurate information even after multiple attempts to investigate this account, my credit score is negatively impacted for their mistakes. Included in this complaint is a copy of my dispute letter and Transunion consumer report of the account with inaccurate information in which I believe is inaccurate. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit card or prepaid card

I returned merchandise to XXXX XXXX on XX/XX/XXXX and my Amex Serve card was used for that transaction. The merchant issued a refund credit to my Amex Serve card on XX/XX/XXXX for {$210.00}. The original charge was {$220.00} so the refund credit is for the original amount minus the shipping charges. American Express has put my return credit on hold for 7 days and this is money owed to me.
Product: Checking or savings account

Money was refunded and accepted from XXXX XXXX to a closed account through a debit card that was used for initial purchase. Wells Fargo states they accepted the money but then re-routed it back. XXXX did not receive the money and Wells Fargo will not provide any routing information or proof that they did this. XXXX has provided me with documentation that the money was accepted by Wells Fargo. Wells Fargo will not return my calls from the debit card office. I have dealt with a local branch manager that was trying to help me with this and ended with him just trying to assure me that the money was returned. The amount was {$420.00}. The money was sent to Wells Fargo on XX/XX/XXXX. Initial purchase date was XX/XX/XXXX.  Account at Wells Fargo was closed XX/XX/XXXX and debit card was removed from XXXX account by me shortly thereafter. I was told that refunds will be sent to the initial card it was charged on despite it being closed by customer. Both sides deny they have the money yet one of them does. The next step was that I filed a complaint with the Federal reserve and almost immediately got a call from the division of debit cards for Wells Fargo which I had left countless voicemails to without return calls. An employee, XXXX, was very helpful and placed a 3-way call to XXXX to resolve this. I was on the phone with her, someone from XXXX that she had called and we were transferred around until we got a manager from a call center that finally just stated that they would send the money in a check and that I would receive in in the next 15 to 25 days. I thought this was resolved until I never received a confirmatory email and of course never received a check. I then called XXXX and through several transfers got to a regional manager that stated that they have no record of the call, no check issued and stated that XXXX has a strict policy and would have immediately disconnected if they were ever on the phone with some bank employee. They again told me that Wells Fargo never routed any money back to them and it is likely in an account for unclaimed funds through Wells Fargo and they need to find it.
Product: Credit card

Hello we were not given what the bank said Synchrony bank Credit for {$3000.00} put when making purchase it did not work they denied it, put the record showed it passed for credit. So they made me buy it with Paypal, which I did not want use paypal 4 payment system. paypal credit just like they said. It was not fair for Synchrony bank phone agent did not care. We want the credit we was aboved for which is {$3000.00} that they aboved with XXXX online store. We would like for paypal to fix this also for the confusion at check out with the two companys. 

Preparing shipment Arrives by XX/XX/2024 XXXX XXXX XXXX Basketball Shoes Size M XXXX XXXX XXXX XXXX Style XXXX
Product: Credit card

I placed an order for a XXXX XXXX XXXXtem over a year ago. The promised delivery date was within 20 days. I never received the item. I kept calling XXXX XXXXn every few months and was told it was a really popular item and I would receive it. A year has gone by, I called XXXX XXXX again and was told by a supervisor that the order disappeared into a black hole and to cancel the order, they would issue the refund amount of {$830.00} on my XXXX XXXX credit card and then to re-order the item. XXXX XXXX did cancel the order, but have not issued the refund. I call everyday and get absolutely nowhere. I am out {$830.00} and have never recieved the item. I need help getting my money back.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Correction of Errors and Inaccuracies on Credit Report Dear Equifax, XXXX, XXXX, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary. 

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue. 

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

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and XXXX
Product: Debt collection

on XX/XX/2018 i received a call from carousel checks asking if i had order checks for my business. no was my answer. but they had already bill it for XXXX on XX/XX/2018 i received a collection notice for XXXX plus a returned check fee for XXXX.what is fraud since i never gave them a check. i contacted carousel checks and they would do what they to get this stop. in addition carousel checks send me 2 emails letting me know that they tried to contact TRS recovery service, inc., but where unable to speech to anyone.i called TRS recovery service, inc.all they is to get paid, don't care if it is fraud or not just want to get paid. on XX/XX/2018 i received my second notice. i have faxed all info to them now 2 times once on XX/XX/2018 and again on XX/XX/2018.this is fraud and they are holding my credit score in balance.this is one of those company that need to be stop or fined?
Product: Debt collection

Company continue to call my phone, my parents landline phone which they have NEVER been given permission to, and other numbers related to me. They will constantly call throughout the day and they do not say who they are or what they want which is why I refuse to answer their calls.
Product: Credit reporting or other personal consumer reports

I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report 15 times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for one account is against code law! I do not owe XXXX or XXXX those accounts are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from ove r 3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
Product: Debt collection

I have notice after receiving my 3-credit reporting. that Avant-WebBank original creditor, had post a charge off and sold. but never added a written off on this item upon, reviewing all 3-credit reporting that this is inaccurate, also it was sold to a third party without my written consent. it is illegal for a collection agency to buy up my debt and come after me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX INQUIRIES : XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Transunion continues to send pregenerated responses to my request WITHOUT ACTUALLY LOOKING INTO MY ISSUES
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation and removal of an unauthorized inquiry on my credit report, as it was not approved by me. Under the Fair Credit Reporting Act ( FCRA ), all information in my credit file must be accurate, verifiable, and authorized by the consumer. 
Upon reviewing my report, I identified an inquiry from XXXX XXXX on XX/XX/year> that I did not authorize. I have never applied for credit with this entity, and no permissible purpose exists for this inquiry. This unauthorized entry is negatively impacting my credit profile and must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately reporting on my credit report : XXXX XXXX
Product: Debt collection

COLLECTOR FAILED TO ADHERE TO CEASE AND DESIST AND DO N'T CALL ORDER AND KEPT CALLING ALL OTHER PARRTIES. THIS IS A CORPORATE DEBT AND SHOULD REFLECT COMPANY INFO. THIS CO IN VIOLATION OF XXXX, FCRA. FDCPA AND DECEPTIVE COLLECTION PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting acct XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A. State I have the right to Privacy 15 U.S.C 1681section 604 A. Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I have been making a lot of payments every single month on time I dont understand why my credit got hit so hard I traded in my XXXX XXXXXXXX for a XXXX XXXX XXXX and to my knowledge. I had great credit now all of a sudden today on XX/XX/XXXX Monday I try to trade in my XXXX for a XXXX of the year and it turns out my credit went from great to XXXX someone, please be so kind to help me with this one. I feel like the people I did business with in XXXX have been dragging their feet to report my payments. Otherwise, I would have no clue why my credit got hit so hard.
Product: Debt collection

This complaint is in regard to the harassment, negligence, and discrimination I have experienced with Discover Bank and their illegal debt collection practices. On the XXXX of XX/XX/2023, I was served papers from a debt collector, claiming to be representing Discover Bank, for an attempt to collect a debt that is not owed. According to the FDCPA, a debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of debt. I was not given any communication or any proper notice for the validation of debts before being wrongfully sued for this alleged debt obligation by Discover, in accordance to 15 U.S. Code 1692 and 12 CFR 1006.34 ( a ), nor did I receive any of the required disclosures, in pursuant to 12 CFR 1006.42. 

With that being said, I promptly responded to their court summons with the magistrate court and I sent a copy of my answer to Discover and their lawyers, along with a debt validation letter and a cease and desist. On the day of the hearing, Discover 's attorney didn't even have a copy of my response nor did he have any of the letters I sent them, which was by certified mail. It is now the end of XXXX and I have not received any of the documentation that I rightfully requested by law. Discover and their lawyers have ignored all of my attempts to get this debt properly verified, and have violated many of my privacy and consumer rights under the Fair Debt Collection Practices Act. I have called Discover multiple times trying to gather more information by my own merit and even their customer service team has no information on the account number they provided. Discover and their representatives are worsening my financial burdens. I have had this alleged debt obligation weighing on my mental health for over 3 months now. They are wrongfully attempting to collect a debt that is not owed and are harassing me for monies they can't even verify in their own system. This entire ordeal has been sketchy in manner, unprofessional and unlawful, most importantly. There is no proof of this alleged debt obligation and I am tired of being ignored. Discover is not operating in the covenant of good faith and fair dealing with their consumers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards under my name with Bank of America. Bank of America was notified in both cases that i did not apply for any credit card with them. 
on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards using my name with XXXX XXXX Bank. XXXX XXXX was notified that i did not apply for any credit cards with them. 
I called the credit report agencies and placed both a hold and fraud alert on my credit reports.