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

Citibank has shared my nonpublic personal information with non-affiliated third parties ( Client Services and XXXX XXXX ). I did not give Citibank permission to give my information without my consent, nor was I given the opportunity to opt out of having my nonpublic information disclosed. Also, Citibank has reported this alleged canceled debt incorrectly to Credit Reporting Agencies. It's their responsibility to report accurate information. 

- Attached Citbank Dispute Letter -Attached supporting claims : Third-parties creditors alleging to collect a debt
Product: Debt collection

To Whom It May Concern, I am filing a formal complaint against Credence Resource Management for engaging in deceptive and unfair practices in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I remitted full payment of {$84.00} to settle a collection account managed by Credence Resource Management. Prior to making this payment, a representative of Credence Resource Management explicitly assured me that, upon receipt of payment, the collection account would be permanently deleted from my credit reports with all major consumer reporting agencies ( XXXX, XXXX, and XXXX ). 

Despite fulfilling my financial obligation based on this agreement, the derogatory account remains on my credit reports, constituting a material breach of our agreement and a deceptive inducement to pay. The continued reporting of this account is causing undue harm to my creditworthiness and constitutes negligent or willful noncompliance with the FCRA ( 15 U.S.C. 1681 et seq. ).

I have attempted to resolve this matter directly with Credence Resource Management, but they have failed to take corrective action. Given their refusal to comply with the agreement, I am requesting that the CFPB investigate this matter and compel Credence Resource Management to immediately delete this account from my credit reports. 

I expect prompt resolution of this matter. Should Credence Resource Management fail to take immediate corrective action, I reserve the right to pursue further legal remedies for damages caused by their misrepresentation and willful noncompliance with federal law. 

Please confirm receipt of this complaint and provide updates regarding any corrective actions taken.
Product: Debt collection

contacted on XXXX XXXX by phone as to a debt owed, So I asked them for written notification now XXXX XXXX2017 nver received what I asked for original signed aggreement and the balance from XXXX to present. So they are in violation of the Fair Debt Act.
Product: Credit card

on XXXX I paid my XXXX  bill using their website and the payment information that was stored. The total payment was XXXX. On XXXX I was told by my credit reporting agency that I had incurred a late fee for non payment on this account. I went back on line to pay AGAIN and used the payment information stored on their site. This time the payment was kicked back re : problem with card. I called and told them this was paid and IF there was a problem with my account then why was I not informed. I also reminded them that I received XXXX emails daily from them so, why not drop me one concerning this? The rep. agreed to remove the late fee. A month later, they destroyed my credit score. I called on XXXX and asked the rep. to walk me through my account activity. He stated that my payment on the XXXX was returned on the XXXX and that a late fee was noted on XXXX. I explained to the rep. that there lack of communication has destroyed my credit. he filed a ticket for review to rescind the late payment on my report. On a letter dated XXXX. I was told that they would not rescind this reporting as it " would reflect inaccurate representation. '' This is an act of racial discrimination and negligence. Not only was this matter of rescinding their credit report handled more swiftly then it did for them to destroy my credit ( 3 days ) but, it doesn't even acknowledge that blame on their end. The payment information issue was not addressed, nor was the fact that NO communication was attempted to resolve it before applying the late fee. THIS inaccurate representation that they have cast upon me and my credit worthiness is pure discriminatory malice.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove this account from my credit report. They are hurting my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I attended XXXX College in 2007, for XXXX  XXXX, and was unable to find a job for the profession. Instead found work with an agency. I was unable to pay my student loan monthly due to my pay at work. At the end of the year, when I did my taxes, I did not get anything back due to my student loan. This happened for about 4 years. Then I received a letter from my lender stating I was so all paid up. Now I receive a letter stating I owe XXXX Dollars to Navient Solutions. I believe they're trying to stiff me. I'm no longer working due to an accident at work, and I deny making any payments I feel I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting unauthorized inquiries XXXX /XXXX  XXXX, XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2020, I called XXXX XXXX at XXXX XXXX XXXX XXXX to cancel an order and request a refund. When the phone was answered I was placed on hold, after a few minutes a person answers so I explained what I wanted, he said he could help me with that. He said to go to the bottom of the screen and on the left hand side of the screen to type " anydesk '', I did that, then he said his supervisor would be helping me. a man comes on the line and tells me his XXXX XXXX and to type in the amount I wanted refunded. I type in {$1000.00}, he then tells me " oh no, you typed in too many zeros, that makes the refund {$10000.00} '' now your going to have to return my money, but only {$99000.00} other wise I will have to pay tax it it is over that amount. He then sends me an e-mail with the following information, to make a wire transfer as follows : Company name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Account No.  XXXX. ABA routing no. XXXX, Bank Name : Citi Bank, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, dollar amount {$99000.00}. If I were asked why the transfer to say it was for a personal investment. He also provided a toll free no : XXXX signed XXXX XXXX, XXXX, and to e-mail him a receipt at XXXX. He kept calling me every day asking if I had gone to the bank to make the transfer. He call to tell me he was going to send me an XXXX gift card for {$500.00} for my troubles, that evening I received a XXXX XXXX but only for {$300.00}, When I mentioned this to him, he said not to worry he would send me the {$200.00} the following day ( never did receive it ) He then send me another e-mail stating the monies had gone to a wrong address, he was going to have to return my money so I could send it to the correct address as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had some problems with the wire transfer, so I called my credit union and that is when they told me someone was hacking into my account and transferring my money from my money market account into my checking account, that is how he was getting my money. When I received the XXXX XXXX, I noticed the return address as : origin id : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That is when I realized that XXXX XXXX was XXXX XXXX and was using a fake name.
Product: Credit card or prepaid card

XX/XX/2021 I applied for the Apple Card using the my information that has not changed on any previous applications I have submitted. I was told by the Apple Card by Goldman Sachs Manager that I can reapply anytime but for some reason that is not true. When I submit an application I continue to get You have applied a number of times and we can not verify the information you have provided at this time so basically they arent allowing me to reapply. Since XX/XX/2021 which is another day that I had applied there has been changes to my credit report but they are not allowing me to reapply.
Product: Student loan

I called to get my payments lowered. Navient stayed that there were no options because my credit check shows I can afford the payments. Even though my credit check has no financial information about how much I make.
Product: Credit card or prepaid card

XX/XX/XXXX I first called Citi.com as I was not able to logon to my account. During troubleshooting with their agent it was determined it is not a user ID or password issue. using their website I can not access my account. I've tried XXXX PCs, XXXX laptops, accessing from phone via a browser. No luck. On the windows PC I tried using XXXX  and XXXX browsers. No luck. On the XXXX I tried XXXX and XXXX. No luck. I tried via a hotspot, my personal network, and my business network. No luck. 

I was told to wait 2-3 days. I called again on on XX/XX/XXXX or XXXX. No luck. Spent another 50 minutes on the call. Same results - no luck. Was told to try again after the weekend. Tried again, XXXX, No luck. Called again. Was told they would open a trouble ticket - the same thing I was told the previous two times I called.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Bank of America regarding an issue with a money order deposit. On XX/XX/year>2024, I deposited a money order totaling {$16000.00}. Unfortunately, I had forgotten to include my personal information on the money order. 

Bank of America subsequently informed me that the funds could not be deposited and that I would need to receive legal copies of the money orders in order to re-deposit them. To date, I have received only {$6300.00} of the legal copies. I have not yet received the remaining {$10000.00}. 

I have contacted Bank of America at least seven to eight times regarding this issue, requesting that they resend the remaining legal copies. Despite these efforts, I have not received the remaining amount. They sent me a few, but not all of it. 

I am requesting your assistance in resolving this matter and ensuring that the remaining legal copies of the money orders are sent to me promptly. 

Thank you for your attention to this matter.
Product: Checking or savings account

my bank account was compromised/hacked on XX/XX/XXXX and and some withdrew XXXX dollars without my knowledge or permission and bank of America denied my claim.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Debt collection

Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
Product: Checking or savings account

Opened a joint savings & checking accounts on XX/XX/XXXX  then my wife decided she no longer desired joint accounts with M & T since she had her own accounts with another local bank. On XX/XX/XXXX  I opened my own savings and checking accounts with my current debit card now linked to my new M & T accounts-there was {$1900.00} transferred to my new checking account and {$5000.00} to my new savings account on XX/XX/XXXX   or so I thought. On Sunday XX/XX/XXXX  my debit card was declined three times because there where no funds in my new individual checking account. All my monies had been mystery transferred back to both joint accounts. Over the next ten days I had to call at least seven times to get my monies moved back to my new accounts from the joint accounts. I don't know who-what-when but this was ridiculous. I was also in XXXX XXXX on personal business and won up with two blown tires trying to get to nearest M & T branch in XXXX XXXX, PA [ near XXXX XXXX ] and found it to be under a remodeling event with no assistance there. When I got back home between the four accounts I was told I should have kept track of my individual spending when I didn't know what accounts had my money and then M & T takes 3-5 to post charges. Tried to explain this on phone to their customer service rep " XXXX '' she hung up on me.I closed my accounts now I'm being bombarded with late fees on my two accounts. Who at M & T kept moving my money? Could never get an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I had an account with JP Morgan, Chase. It was only a debit card around XXXX or XXXX I went to XXXX in XXXX and have a double charge on my card for the same amount for a hotel room. I explain to Chase that he is a double charge and people here do not speak English and theyre telling me to contact my bank because it shouldve just been a single charge so XXXX explaining to Chase over the phone here I would like to dispute the charge because theyre saying They dont know why it became a double charge may be because of the car charging system after I filed a dispute to chase they ended up excepting the dispute and giving the money back but after I came back from XXXX, they close down my account ever since then Ive been trying XXXX find a way to resolve the issue even offering the money bag so I can use Chase as a bank. I own trucking business now and would like to open a business account with them and when I go to the branch or tried to call someone in customer service, they are all say that they put me in a permanent ban which I dont think is fair, even though I offer the money back, I didnt have any credit cards or anything like that where I had to use their money I had only a debit card where I always deposited my own money
Product: Debt collection

I sent the company a letter on XX/XX/2020 asking for validation of the account and the company never responded and now the debt has been added to my credit with me having the original contract saying that I owe the debt to this company and any other information that was requested in the letter.
Product: Prepaid card

In XXXX of 2016 I used a " XXXX Gift Card '' with a total value of {$250.00} to purchase a product and a XXXX service from XXXX XXXX located in XXXX, New Jersey. The balance on the gift card after the purchase and spa service was {$160.00}. I then used the card once at XXXX XXXX Jewelry in XXXX, New Jersey for watch repair in the amount of {$20.00}. This left a balance on the gift card of {$140.00}. In XXXX of 2016 I attempted to use the card to pay a portion of the cost of new eyeglasses and much to my surprise, the balance on the card, instead of being the {$140.00}, was instead {$34.00}. I was stunned because I had not used the card since XXXX of 2016. I pulled up the account history on the XXXX XXXX Gift Card website and discovered that XXXX had been deducting {$19.00} from my gift card each month for a total deduction of {$110.00}. These deductions were not authorized by me. I contacted XXXX and they claimed they knew nothing about any unauthorized deductions paid to them and that I should contact the XXXX Gift Card Customer Service Center. XXXX XXXX refused to refund the fraudulently deducted funds. I contacted the New Jersey XXXX and a few weeks later they responded to my complaint stating that they tried to contact XXXX but were told the company was out of business. That is not true. The XXXX is still in the same location and still very much in business. I contacted the XXXX XXXX Gift Card Customer Service department in XXXX and filed a written explanation of my complaint. In XXXX I received a letter from XXXX stating that they were unable to recover the funds. This seems to be a scam to me as I did not authorize the monthly deductions from my gift card and have not been back to the XXXX XXXX XXXX since XXXX 2016. Attached is a copy of the Account History showing the unauthorized deductions, the letter from Income which runs the XXXX XXXX Gift Card complaint department and the Chargeback Rebuttal Info sheet whereby XXXX states to Inc that services were rendered which is completely false. XXXX reimbursed me the {$34.00} " balance '' left of the card when it was deactivated in XXXX of 2016 but I am still owed the {$110.00} that was fraudulently deducted from my card without my knowledge or approval and for which NO SERVICES were rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my home in XXXX. It was sold to Freedom Motgage. Since then I have had trouble with them crediting my account. I have always paid my payment on time and in full. I was separated from my husband in XXXX of XXXX and unbeknownst to us, we were both making payments on the mortgage. I was paying the XXXX and he was paying the old amount of XXXX. When I became aware of it last summer, I called the company and they said that instead of crediting my account they were holding the money somewhere else. Then when I opened my XXXX bill of XXXX. My balance had increased from my XX/XX/XXXX from XXXX to XXXX on my XX/XX/XXXX statement but my balance due was XXXX. I went online and there were several unusual transactions posted. One being for over XXXX on XXXX called XXXX and they told me that they dont have the extra payment info. My husband and I both have bank statements to prove our payments. They say that in XXXX of XXXX my payment was increased from XXXX to XXXX that I was still paying the XXXX amount so in XXXX of XXXX when my payment was increased again they recalculated my XXXX payments. First of all, my bank statements show that as of XXXX of XXXX I was making the new payment of XXXX. My husband was paying an additional XXXX. They still wont tell me where the extra payments that we made XXXX through XXXX went. They are saying that it was applied to the loan. Why did my balance go up then? Again I have bank statements that show all payments being in full and on time.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 XXXX XXXX XXXX XXXX ( displayed as XXXX ) fraudulently obtained my credit report. I never applied for credit, nor work near or shopping online at any of the stores they service. 

On XX/XX/23 the same thing happened with Capital One. 

I first tried disputing the fraudulent inquiries through all 3 credit Bureaus and they never removed the fraudulently obtained or innacurate inquiries. Then, I contacted each company. 

Capital One has opened a fraud investigation, but has not stopped reporting the inquiry after being notified of the FCRA violation. 

XXXX XXXX XXXX XXXX  does not even provide a phone number with their credit reporting information. I found two number via XXXX and both made it impossible to Report the FCRA violation. I have also provide written notice greater than 10 Days ago.