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

Hello. on XX/XX/XXXX I purchased 6 used computer Graphic cards in the total amount of {$1900.00} with my Citi credit card but when I received my cards I found one of them had a physical damage, I immediately contacted the seller, and she mentioned that they don't have a problem and offered me a {$100.00} refund, I trusted her and accepted the offer, after that I decided to check all of them and realized that none of them had out put signal, then I sent a message to the seller and wanted to return them but she didn't accept my request, I also took the graphic cards to a licensed computer shop and was told that their bios have been destroyed, therefore on XX/XX/XXXX I disputed the amount with Citi but they never resolved the problem, and the decision was in the Merchant 's favor without a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I got a notification from XXXX  that someone attempted to open an account today between XXXX and XXXX EST XX/XX/26. I did not apply for credit, nor did I wish to open any accounts. My information has been compromised.
Product: Credit card or prepaid card

I contacted Wells - Fargo several years back and told them I did not have a credit card with them and I file a complaint with the police in 2018 and Wells Fargo stated they were going to closed the fraudulent account that was in my name. I see now they didn't close it and left it open for the person who stole my identity to keep it open, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the state of SC and I will not put up with a bank to take advantage over me. I want this account closed and close it as fraud because Wells Fargo was warned several years back that this account was fraud.
Product: Money transfer, virtual currency, or money service

Paypal close my business account for a vague, unspecified reason, and subsequently is " holding '' my funds ( {$120.00} ) for 180 days " just to cover potential chargebacks. This is an egregious encroachment of my financial rights. I've contacted them multiple times via phone/email, and received NO response or help. The aforementioned account was terminated XX/XX/2018. Paypal generated a " case number '' of XXXX ID : XXXX ... though they automatically consider my " case '' closed.
Product: Debt collection

I was harassed repeatedly by this debt collector, even after I 'd formally requested contact to cease ( was considering bankruptcy ). I reconsidered and enrolled in college to allocate upward mobility and eventually alleviate my debts. A questionably documented suit ( for which I was never served papers ) against me was filed in XXXX but no action was taken ( obviously ) until seven days ago ( MORE than three years afterward ). " Judgement '' was awarded in favor of the debt collector and my bank XXXX XXXX XXXX XXXX Bank ) allowed my ENTIRE account balance-holding my livelihood to be seized. I had contacted the collector the same day my account was frozen and informed them the entire contents of my account was from Federal Student Aid and Federal Work Study, the debt collector/attorney response was obvious irritation at his lack of legal grounds. His responses were then short, informing me to contact my own attorney before the seizure commenced. He implied there would be no action from his firm to stop the what was already set in motion. I received the certified letter of garnishment two days AFTER my account was frozen. I JUST TODAY at the end of my " grace period '' received my bank 's process of the paperwork ( which contains no state seals whatsoever ) and their decision in the matter. Currently, I am in the middle XXXX and the time limit given to me for my resolution of the issue was impossible for my success. The process of allocating legal assistance as well as frantic damage control from the impending financial ruin ( homelessness, loss of continued education, ETC. ) that seizing my entire account 's contents has caused, unfortunately has exceeded the timeframe of a week. PLEASE keep in mind the process began midweek and those seven days included XXXX weekend and this past weekend-I literally had two business days. I am NOW currently unable to feed myself, purchase the means to continue my education, and facing eviction because my account 's balance, which has ( since XXXX ) 100 % federally funded ( XXXX XXXX XXXX Bank ) account is now negative. Federal student aid and Statewide grants are EXEMPTED from garnishment! I have US federal government issued documents and statements, XXXX XXXX XXXX Bank monthly statements, financial award letters, countless emails, and numerous documents ( including but certainly not limited to the IRS, XXXX accredited educational institutions ( A prominent XXXX college and the state university ), ETC. proving the validity of my statements of this illegal seizure. My rights and welfare has been grossly violated with this POORLY handled affair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Student loan

My name is XXXX XXXX. I have dropped out of XXXX XXXX College after three days due to getting XXXX. I had financial aid, but now they expect me to pay. I can not afford to pay for this.
Product: Money transfer, virtual currency, or money service

On XXXX I sent a wire transfer of {$27000.00} XXXX to XXXX XXXX who held an account at Bank OZK near XXXX, XXXX. The money was supposed to go to XXXX trading platform via XXXX. My sending XXXX XXXX XXXX said the money had been processed by Bank OZK XXXX but XXXX XXXX, XXXX XXXX XXXX said the money never arrived. I contacted OZK twice by letter, and twice by phone, but they offered no solution to this problem. I have the wire transfer receipt in my possession, but the money has gone missing.
Product: Checking or savings account

XXXX business checking : account name : XXXX XXXX Account number XXXX Routing number XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Detailed explanation of the issue : I opened a business checking account with Chase Bank, as a sole proprietorship using my own name ( XXXX XXXX ). On XX/XX/2021, Chase closed my account. At that time, the account had a balance of {$14000.00}. I was not able to access this money. It has been 2 months since ; I came to the bank in person to inquire why the {$14000.00} was not returned to me. Chase told me that this amount was returned to a XXXX account on XX/XX/2021, however, XXXX stated that they never received this amount, since the XXXX account was closed on XX/XX/2021, before the date that Chase claimed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I realized that a few accounts listed did not belong to me. I have never applied for anything with these companies, and I am not sure how they got my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Product: Vehicle loan or lease

date XXXX the amounts of credit extended XXXX to the Huntington national bank I have send a letters to resolve the issue they to respond to the letter but fail to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against me.
Product: Debt collection

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection XXXX  account with the balance of XXXX, I was not provided with the original contract.
Product: Mortgage

I obtained a mortgage with Countrywide in XXXX. I understand that they were sold to Bank of America. I finances condominium located at XXXX XXXX XXXX XXXX XXXX Apartment XXXX, XXXX XXXX CA XXXX. I was very young and inexperienced. In XXXX I struggle to maintain payments plus HOA fees plus lease on XXXX. My apartment was facing foreclosure. I started receiving dozens of letters and pamphlet in the mail. I choose one individual who ended up taking advantage of me, and I took him in XXXX XXXX small claims court. I won, then he treaked me again by negotiating those astronomical triple fees he imposed, while he filed an appeal. I ended up selling condominium in XX/XX/XXXX, 2 months before 2 year mark owning it. Countrywide overcharged me while I was struggling pay the mortgage. They piled illegal excessive fees on me. While I was behind on my mortgage payments Countrywide deceived me to pay astronomical fees. They inflated these fees. It was a class action against Countrywide filed by FTC in XXXX. I would be part of {$100.00} XXXX recipients, class members, but I haven't received notice because I moved. I was defaulting on my loan while Countrywide imposed inflated fees on me, ordered property inspections and other. While I had delinquency Countrywide was earning huge profits by funneling default related services through subsidiaries that it created solely to generate revenue. Countrywide jerked up cost of fees and services solely to make profit, and demanded from me to have these services while they were not necessary or appropriate while I was trying to keep my home.
Product: Mortgage

In XXXX my then husband and I bought our house with only his name on the loan. In XXXX we divorced and I assumed the loan in XXXX due to being awarded the home in our divorce. I was able to access all the information as I handled all the bills prior to the divorce. Once I assumed the loan, I was able to create an account to access my information. After a couple months they stopped letting people who assumed loans access to their account information. Due to this, I have to spend 10 minutes a month on the phone trying to make a payment, I am unable to access any of the information I may need and only get a statement in the mail. The loan is now in my name and I should be able to access my information to monitor the account. When asked, they stated they do not have any timeframe on when this will be resolved. I was told it was to protect the original buyers information, which in my case, I was married to him for 31 years and know everything about the loan and have all the original paperwork and have all his personal information. I understand a random person assuming a loan, but not someone who was married to the original loan holder.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries - XXXX XXXX XXXX ( Bank ) /XXXX  XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.
Product: Credit reporting or other personal consumer reports

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to add a new bank card number to my existing Boost account with Experian. I was unaware that the system would try to perform another Boost on my account. My credit score was XXXX and it dropped to XXXX. I also received multiple duplicate messages that my account had been disconnected. When I tried to reconnect my account I kept receiving an error message that Experian was experiencing technical difficulties. I called and spoke to numerous agents at different times who would not assist me. I finally called in one day and asked for the issue to be forwarded to the technical dept, I also asked to speak with management. A manager by the name of XXXX came on the line but she was not helpful at all and she seemed quite agitated that she had to take the call.I have since called back four times. I have been given numerous ticket numbers, but no real answer if someone is really working on my case. I'm beyond outraged at the lack of professionalism and concern for fixing this issue with my credit. I've been working on my credit for almost a year so this is very upsetting to see them taking this so lightly. This issue seems to be an ongoing problem that needs to seriously be addressed by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a verification of this account several times, I don't believe they have the right person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a recent credit inquiry, from XXXX XXXX and XXXX on XXXX. XXXX, XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, I received a call from Chase Bank 's Correspondence Department, asking me to update details on a credit card account that I have previously reported to the FTC as fraudulent. After giving my statements to a certain XXXX  ( ID # XXXX ) and XXXX ( ID # XXXX ), I was transferred to Chase Bank 's Fraud Department to give my report. The agent, named XXXX ( refused to give her ID # ), asked me basic questions such as my name, date of birth and address, to which I answered. After that, XXXX told me that she would connect me to a person who could help me with my fraud report, then put me on hold for around 5 minutes. XXXX came back and simply said that Chase 's Fraud Department can not help me with my problem since I know the person who stole my identity and my credentials. I find this very appalling considering that she went on record to say that she would " connect me to a person who could help me ''. This made me very upset and questioned XXXX as to why she would say that statement and would not even follow through. To make matters worse, I was going to ask what other steps I could do to file my fraud claim but XXXX decided to hang up. Now I am at a loss at what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all 3 credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax at XXXX ( XXXX ) XXXX via phone and was advised by Equifax service representative in order to start the process of restoring positive information that was removed from credit file I would need to complete a dispute letter and attached two additional forms of identification Driver License and Social Security Card. Sent dispute letter via certified mail using form 3811 with return signature. Sent dispute letter on XX/XX/XXXX and letter was received on XX/XX/XXXX and i have enclosed a copy of form 3811. Requesting Equifax to retrieve deleted credit file and restore it back to my credit file. 
XXXX 's account # XXXX opened XX/XX/XXXX
Product: Checking or savings account

I have deposit check on mobile deposit on XX/XX/2022 {$1000.00} dollars on mine Citibank account. 
I am still have {$5.00} on account with mine owe money available. 
Now on date XX/XX/2022 mine account is Overdrawn - {$1000.00} That is not right by the law of bank rules book. 
On working date they have to clear the check not hole mine check to the XX/XX/2022 to be clear. 
That is every wrongful by the law of the bank to do that to customer. 
Please please please need helping to fix the Citibank law
Product: Debt collection

I disputed this debt wanting to know if they were the original owners of this debt. 
They tried to sue me a couple of times. 
The last time I disputed this was on XX/XX/XXXX. 

No results for them being the original debt owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to LENDING CLUB CORPORATION but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU|
Product: Debt collection

This is the third and final request. Please first answer yes or no to each question and then if you answer yes then send me a copy. 

What documents did you receive from XXXX when XXXX assigned you to be the servicer of the loan effective XX/XX/2012? Specifically I am requesting these two documnents. 

1. Copy of the certification of the XXXX XXXX XXXX which contains original signatures of the certifying entity, the original seal and the notary signatures. 

2. Copy of any Notice of Intent to Accelerate and attachments to the notice in your possession if any sent by XXXX prior to XX/XX/2012? 

Time is of the essence so please expedite the completion of this request. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, equifax, and XXXX ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit card or prepaid card

Company advertised a XXXX XXXX XXXX XXXX XXXX with a XXXX dollar card credit line once the XXXX dollar fee was paid making the total XXXX XXXX XXXX XXXX. I used up the XXXX without paying the XXXX fee and recently paid off entire card. I was under the assumption that this was a secured credit card by using my XXXX fee which I never met. This is deceptive practices and should stop deceiving customers with this approach
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit  for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.