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

I check all of my accounts with Citibank every morning. If my checking account is low, then I transfer money from my savings account. Unfortunately, Citibank has a habit of posting ACH debits at the close of the business day ( around XXXXXXXX XXXX  ) rather than first thing in the morning. If my account is overdrawn, then at midnight they will transfer money from XXXX XXXX ( overdraft protection ) into my checking account and charge me {$10.00}. That gives me only seven hours to transfer money from my savings account. 

I have spoken to many representatives and supervisors at Citibank about this issue. They repeatedly tell me that Citibank does not intentionally post ACH debits at the close of each business day. I am told that the ACH debits post at the time that they are presented to the bank and that it just so happens that all of them happen at XXXXXXXX XXXX every day! That's absolutely ridiculous. 

This has cost me many {$10.00} fees, interest on XXXX XXXX ( even though I immediately pay the XXXX XXXX in the morning ). Recently, XXXX XXXX transferred money into my checking account, creating a balance owned in my XXXX XXXX. That same day ( even though I paid it ) Citibank reported that I owed a balance to the credit bureaus and my excellent credit score ( over 800 ) dropped by 20 or 30 points! I was incredulous! 

I believe that Citibank has a practice of posting ACH debits at the end of the business day rather than at the beginning of the business day in an attempt to charge more fees to customers. I believe that this practice is deceitful.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a paying Membership fees with Experian since XX/XX/2018 and I get charged {$21.00} per month for the ( Experian XXXX XXXX  ) that includes. Up to {$1.00} million Identity theft insurance, Deicated Fraud Resolution support, Experian XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Identity Protection and Alerts and 2 others. Well I have called many times to get help with my Identity theft issue and call after call after call I get sir I am so sorry to hear that and been told over and over that they was going to look into it and talk to one of there team members and would call me back and nothing so they take my money and give me nothing that is on the premium I get charged since 2018 but I really need help I cant receive services I pay for and that is THEFT OF SERVICES the only thing that worked was XXXX and the day I put the freeze on my credit and filed Identity Theft with Experian and I told the guy on the phone my bank and credit cards was about to not work becauae I would be issued new accounts and cards and I asked over and over I am payed up right and he says that since I was a Premium member and filed Identity theft my credit and membership would be active and once I received my new cards to call experian and see if any update was done, I said ok and guess what today I get email that says experian unlocked my credit and I got hit for XXXX points and a new bank account was opened in my name and SSN. So EXPERIAN IS A SCAM AND I RECEIVED THEFT OF SERVICES FROM THEM. I am not very happy and I want ALL my money back since XX/XX/2018 if I can not get this fixed here I will get a attorney and file Theft of Services this is not right if I did this I would be in Jail for theXXXX
Product: Student loan

Ihavebeenafederalemployeeforthelast12years,withthesameemployerwithbreaks.MyemployerqualifiesforPSLFprogramandhascertifiedmewithFEDLOANServicinginXX/XX/XXXXformyemploymentperiodXX/XX/XXXXtopresent.FEDLOANhassentmemultipleincorrectlettersstatingmyfederalemployerdoesntqualify,andaletterstatingtheydoqualifyforPSLF,butFEDLOANwillnotreportcorrecttimeframeorqualifyingpaymentsamount.Ihavemade121monthlypaymentssinceXX/XX/XXXXtopresentandhaveXXXXleftonmyStandardXXXXplan.FEDLOANisonlycounting1paymentthatqualifies.TEPSLFapplicationskeepsgettingrefusedbythembecausetheyfalselyreportIhaventworkedformyemployerUSOfficeofPersonnelManagementfor10yearsormade120payments.IgetanewdifferentandincorrectcalculationorresponseineachemailorletterIreceivefromthem.Withsomanyfraudulenterrorsbythem,itmustbeonpurposesothattheydontprocessmyloanforgivenessthatIamlegallyowedunderTEPSLFprogrampassedbycongress.Withcorrectcalculation,myloanshouldhavebeenforgiveninXX/XX/XXXX.IvetalkedwiththeirOmbudsman,butstillkeepgettingcalculationerrorsanddenials.Ihavenowoverpaidmyloans1payment,andexpectthemtofixtheirerrorandrefundmeanyoverage.IfforanyreasonIstillneedtomake1or2paymentstosatisfyTEPSLForPSLF,Iwilldoso,buttheyhavenotprovidedmeproofotherwisethatIhaveadditionalpaymentsowed.Theydonotworkwithme,thecustomer,andtheyaretheonlyservicerthatcanprovidemePSLF.Themovedmypaymentsoncetoabout{$1900.00}amonthonPSLFIncomebase,andIhadtoscrambletofixtheirerror.Theyhavethousandsofcomplaintsonlineagainstthem,theyshouldgettheircontractremovedandneverbeallowedtoservicePSLFagainduetopurposefullymismanagementofit,whichisfraudulentandillegal.CEOshouldbeprosecuted.
Product: Vehicle loan or lease

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. 

All dates were XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I had a lot of unauthorized transactions, ( totaling {$960.00} ). Then I called SoFI that very same day and they said they could not do anything about that until the transactions went from pending to posted, so I waited a few days and I called them it posted and they said that they were going to review it and get back to me within 10 business days. Then within those 10 business days a reimbursement was denied so I appealed it with SoFI and then they said it would be another 10 days and then I lost appeal so then I asked them about that, and they said nothing else could be done. I had kept trying over and over again until I finally had a SOFI case number which is XXXX. There were so many unauthorized transactions that even SoFI lost track so I guess that is how I got some of the unauthorized transactions reimbursed, which totaled {$110.00}, they still owe me {$840.00} they never gave me any of that. Oh my account is restricted and pending closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights.

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

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.

15.U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My cashapp account was randomly closed onXX/XX/2024 due to a vague reasoning listed as violations of terms. Cashapp has a history of doing this to others after Ive done some research online. Ive been a customer for years and used my account for small daily transactions at the gas station and whatnot, nothing out of the ordinary. I recently disputed an XXXX charge for a mere {$19.00}, which Im assuming is one reason why cashapp closed my account, because they dont want to do the legwork of protecting their customers money. Either way, my complaint isnt about the closure of my account, rather its about cashapp refusing to return my money to me and consistently lying stating they didnt receive it. I have several receipts from XXXX confirming they processed the refund of {$19.00} to my cashapp account, yet cashapp refuses to release the money to me and continually lies stating they dont have it. Cashapp will face lawsuits inevitably and their scummy employees who willingly practice business this way should be held liable as well because this is beyond illegal.
Product: Debt collection

I had a research investigation request into my insurance company this year on the verification of the medical debt, it concluded in XX/XX/2023. The collection agency never contacted me, verified my medical amount owed or sent any ability to pay prior sending to the credit bureaus in XX/XX/2023. They have not sent me a bill until XXXX/2923. Ive been willing to pay on a payment plan with the practice directly for amount owed. The collection agency needs to remove this debt from my credit reports and set up a payment plan with the practice for amount agreed upon. The collection agency is using unfair collection tactics, never sent me a bill prior to sending to my credit bureaus and didnt have the amount verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education   Please remove these accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.
Product: Prepaid card

I received a gift card for XXXX XXXX for {$150.00}. It is a XXXX XXXX XXXX with US Bank National Association. I activated the card at XXXX and there was {$150.00}. This was XXXX of XXXX. I have made no purchases on this gift card. When I went to check the balance today it says there is a {$0.00} balance. I called customer service and was told the card was used twice in XXXX. I did not use this card and ask how I can file a dispute and was told that although they can tell me when transactions took place, they can not tell me what the amounts were nor what the original amount placed on the card. I did a bit a research and found this website. If there is any way I can possible recoup my gift card it would mean a great deal to me. This was a gift from my children and I do not have a receipt. I ask the customer service person for a transcript or an itemized list of the charges on the gift card and was told they could n't do that.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX
Product: Debt collection

I have spoken to Pioneer collections twice since XXXX 2016 yet they have been continually called my family members, friends and past employers to gain my contact info. I own my own business and to have them call people who I 've worked with is hurting my future business.
Product: Debt collection

PLEASE SEE DOCUMENTS AND HAVE THE FOLLOWING ACCOINTS DELETE OFF MY CRED ASAP! WITH IN THE NEXT XXXX HOURS PLEASE!!!! 

XXXX IS STILL REPORTING THE FOLLOWING ACCOUNTS -XXXX  XXXX -XXXX- XXXX -XXXX  XXXX -XXXX- XXXX -XXXX XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 
Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/year> To whom it may concern I do not remember ever making an agreement or business relationship with you. I hereby dispute the validity of the alleged debt ENTIRELY. I also request verification of the alleged debt, specifically, a copy of THE ORIGINAL PURCHASE AGREEMENT. Agreement MUST be with the ORIGINAL CREDITOR AND SIGNED BY ALL PARTIES INVOLVED. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

I am requesting no reporting and or immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, & XXXX. You must cease COLLECTION effort until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

Sincerely XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these accounts and I strongly suspect that they are fraudulent.
Product: Credit card or prepaid card

XXXX I noticed a charge I didnt make on my credit card. I called sun trust and filed a fraud claim. Today they said the claim was denied because it was a valid purchase. I havent purchased anything on XXXX since XX/XX/XXXX I did not make this purchase and sun trust is letting someone use my card illegally. Card was replaced.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I deposited a check to my Bank of America account in XXXX XXXX, California which I have held for over 20 years and due to the amount of the check Bank of America placed a one week hold on the check. I asked why so long it should not take that long to verify funds. The lady at the counter Brooded her shoulders and said thats just what the back office does.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items I read parts of the FCRA and I am aware of my rights
Product: Credit reporting

The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified
Product: Consumer Loan

Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX  days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX  days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Product: Credit card

I ordered some computer RAM from the merchant XXXX  that was sent to me, upon receiving the product and opening the contents I saw that they had sent me the incorrect speed from what I had ordered so I had gone online and initiated a return to send back the product as it was not the correct speed I ordered. I printed out the XXXX information and return label and sent it back to XXXX, a week and a half later I am told that they are refusing to return my money even after receiving the item back. I immediately went to American Express to file a dispute about this and uploaded all documentation showing that the merchant had received the return but were refusing to give me my money back. After a week or two go by I get a notice from American Express saying they are going to rebill my account and upon checking the information that they merchant sent they falsely claimed that I had sent back damaged merchandise, which was completely false because all I did was open the product box, saw that the speed was incorrect, and then immediately put the items back into the original box and ship them back to the merchant with XXXX tracking of XXXX I provided screenshots and photos of the condition of the item before I returned it back to the merchant to American Express and they initiated another dispute on my behalf. Another 2 weeks go by and I see that I received a message from American Express stating that I am being rebilled AGAIN even after sending all the proof showing that I did my part in returning the merchandise AND that the merchandise was not damaged. The merchant did not even send any new evidence to support their false claim of the merchandise being damaged, they sent the exact same information they sent the first time that I had to redispute for. They provided nothing new in their claims nor have any supporting documentation showing that such item was even damaged in the first place. I have even gone a step above and showed American Express multiple news articles online about this company doing the exact same thing to other customers AND they even falsely claimed damaged merchandise to a famous youtuber that exposed them online for the exact same thing they are doing to me now. I have provided American Express all this information and even MULTIPLE documentation and articles showing this Merchants shady business practices and they are still rebilling me, for reference the articles and XXXX videos of this happening to other people are linked below. 


https : XXXX https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jpmcb has documented twice for the same account 1 unfavorable remarks on report and one that is correct
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the recent Consumer Financial Protection Bureau ( CFPB ) enforcement action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was detailed in the XX/XX/2025 press release. 

I believe I am XXXX of the affected consumers whose vehicle loan was inaccurately reported as delinquent during the XXXX pandemic deferral period. During this time, I was granted a deferral on my vehicle loan payments, and I was assured by XXXX XXXX XXXX that my account would be reported as current. Unfortunately, it was later discovered that my loan was incorrectly reported as delinquent to credit reporting agencies. 

As a result of this inaccurate reporting, my credit score was negatively impacted, and I have experienced significant stress and financial hardship. I was under the impression that XXXX XXXX XXXX would uphold their promise to report my account accurately, and I feel that I have been wronged by the companys actions. 

I respectfully request that the CFPB take any necessary action to ensure that XXXX XXXX XXXX corrects the inaccuracies in my credit report and that appropriate restitution is provided, as outlined in the enforcement action. I would also like to inquire about the process for receiving compensation as part of the {$12.00} XXXX restitution fund mentioned in the press release.
Product: Debt collection

I missed a call from debt collector Bay Area Receivables of XXXX, Maryland XX/XX/2022, and they left an automated voicemail stating I needed to call them to settle a debt. I checked my credit report and noted a collection for {$6000.00} that I did not recognize. I called Bay Area Receivables of XXXX, Maryland and they were not able to provide additional information over the phone. I mailed a certified letter formally requesting verification of the debt to Bay Area Receivables of XXXX, Maryland that was received XX/XX/2022 at their address in XXXX, Maryland by an individual. It is now XX/XX/2022 and I have not received any validation of this debt in writing from Bay Area Receivables of XXXX, Maryland. I have disputed this debt with XXXX, XXXX, and XXXX. 

Bay Area Receivables of XXXX, Maryland has not provided written validation of this debt within five days of contacting me, and is therefore in violation of the federal Fair Debt Collection Practices Act. Without written validation of said debt, I am concerned this effort to collect is an error or fraudulent.