23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> ACIMA DIGITAL F Account number : XXXX XXXX Subject : Dispute of Incorrect and Unauthorized Account Information Under 15 U.S.C. 1681b To Whom It May Concern : I am writing to dispute the reporting of an account on my credit report associated with ACIMA DIGITAL, account number XXXX XXXX After reviewing my credit report, I believe this account has been reported inaccurately, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

This debt of roughly {$680.00} should not have gone to collections, but was created and sent over to a different company originally several months ago due to a mistake made by XXXX XXXX XXXX. This debt is supposedly for a past due balance and non-returned equipment. At the time i was told that if all equipment was returned, the amount due for the equipment AND the past due balance would be closed out, this however was not done. I have told Diversified consultants of this and informed them i have proof that all equipment was returned yet they still contact me daily about this debt. Even after speaking to a " floor manager '' and setting up a plan to pay off my debt, they are still calling me multiple times. As well, I have never received ANY mail regarding this debt.
Product: Credit card or prepaid card

I borrowed {$1500.00} from XXXX XXXX for my XXXX   XXXX on XXXX XXXX XXXX. By XXXX of XXXX I owed {$600.00} in principal but was charged {$270.00} for interest bringing my balance to {$880.00}. Thats almost 50 % of what I owed. Around this time I had to move out of my home temporarily due to the fires in XXXX County and the smoke affecting my XXXX and XXXX so I couldnt make this complaint at the time and since then have been just trying to survive but making payments for all of XXXX and XXXX but this companys policies are so unfair to the consumer specially someone like me who had to relocate because of the fires  and now pay double the rent I was before and have a lesser paying job so cant make any big payments any more but 2 years of making payments has not put a dent in this debt. 
My statement ( attached ) shows that I paid {$480.00} of only interest in XXXX. 
My statement ( attached ) shows that I paid {$200.00} of interest in XXXX. 
So in the past 2 years Ive paid a total of {$690.00} in interest alone and more in payments for an original balance of {$600.00} and I still owe this company {$670.00}. 
This is taking advantage of a consumers situation and unfair business practice. The interest rate for this XXXX XXXX card that advertises to be interest free XXXX XXXX is 28.49 %. 
Also XXXX XXXX cards set the minimum payments to an amount that pays off the original borrowed amount during the interest free period. XXXX  did not do that therefore misleading me into an unpaid balance at the end of this period. Thats not customary of XXXX XXXX cards. I have other cards and have paid them off completely but seems like the situation with this one is a set up for collecting huge never ending interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, Experian and XXXX XXXX services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

The company gave a response to my initial complaint, but has yet to provide any proof of requested information of validity. Furthermore, they do not have a license to operate or collect on, said that in the state of florida, therefore making their attempts to collecting a debt in florida illegal and they're inaccurate reporting on my credit profile need to cease immediately, violating my rights, according to FCRA I have included information proving they are not licensed to operate in the state of florida.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Checking or savings account

My Citibank Savings ( CitiAccelerate ) account was frozen/blocked due to inactivity in XX/XX/XXXX. I didn't discover this until XX/XX/XXXX when I tried to transfer some funds TO the account. I believe that Citibank did notify me that the account is now blocked. I didn't respond. However, when I called the XXXX number on the back of my card, they told me I needed to go to a branch or send a letter. No branches where I live, so I said I would send a letter. They gave me specific information to put in the letter, I asked if I needed to send the letter certified or overnight, they said no. My 1st letter was sent on XX/XX/XXXX. No response. I called back after XXXX, and again they told me to send the letter same address with the same information. I sent the 2nd letter on XX/XX/XXXX. No response. I called again, this time, I sent a 3rd letter via USPS with a tracking number and it was delivered on XX/XX/XXXX. I called to follow up and was told my request to unblock my account was denied because the signature was not Notarized. At no time during any of these multiple phone calls I made to Citibank, did anyone ever tell me I needed to have my signature notarized. So finally, I went back to my online banking and looked at my messages and found a form to complete to unblock my account with a notary block on it. All of these phone calls I made to the Customer Service number, and not one person ever suggested or told me there was a " form '' I could complete to reactivate my account. So I sent the " Citibank Form Document '' with my signature Notarized and it was delivered on XX/XX/XXXX. I called to follow up on XX/XX/XXXX and spoke to XXXX. She said she would send an email to her back office team with the tracking number and to call back in 2 or 3 business days. So I called back today, XX/XX/XXXX and spoke to XXXX and he said no resolution and he would send another email to his back office team with the tracking number. Its been too long. I need my account reactivated. I have made over 10 calls to this customer service team and no one ever follows up. My time and energy spent on this is frustrating. Dates of all phone calls are below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Several phone calls were made in XXXX, but i need to pull my phone records.
Product: Mortgage

My loan was in default in 2010 due to the great recession and housing market crash. My HOA foreclosed and the property was vacant for 2 years. My mortgage servicer sent me a letter saying I was approved for a loan modification, on the condition that I successfully made XXXX trial modification payments and entered credit counseling. First I had to buy back the property from the XXXX, the new owner, which I did at great expense to me, relying on the lender 's promises. I did everything that was required of me. After 9 months of accepting my payments, I received a letter saying I was not eligible for the modification because the property " is '' vacant. I actually lived in the property, they were mistaken. They told me I owed all the back payments, including the forebearance amount they reversed, or I would be in default. I appealed this decision. They illegally entered my property ( trespassed ) while I was at work, with no notice and no warning, and no foreclosure pending, and changed the locks. They locked my pets inside and me out. Then they refunded all my payments, forcing me into default, filed a new foreclosure action. 

They made the mistake, and they have admitted they made the mistake. They knew the property had been vacant before the modification because the offer letter was sent to a different address than the property address AND they had been making periodic/monthly? inspections of the vacant property for 2 years. 

My position is that if a mistake was made, it was the lender 's mistake and not my mistake and I should not be penalized. We have been fighting over this for XXXX years now. Now they have demanded repayment of the principal, interest and all the litigation expenses they have incurred as a result of THEIR mistake and my attempt to get them to reinstate the modification. The balance that started as {$99000.00} is now over {$170000.00} through no fault of mine. They refuse to negotiate in good faith to resolve THEIR mistake.
Product: Credit reporting or other personal consumer reports

I found a number of personal information mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with the FTC Regulation and refuse to fix this issues, this is a clear violation of my rights
Product: Bank account or service

We are a XXXX ( XXXX per year ) and we banked with Comerica for four years. We found them to be very self-serving and not honest. We had enough of their Trumpian ways and have found a smaller community bank to handle our precious money. We will go out of our way to pass the word through online reviews that this bank is not a good choice for honest people.
Product: Debt collection

I have reviewed my consumer credit report and I noticed some unauthorized accounts under 15 USC 1681 number 3. Equifax assumed this role without permission not only that you did not have my consent. Equifax did not respect my privacy pursuant to 15 USC 1681 a number 4. Equifax did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am unaware of this matter, and the company went ahead without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fait credit reporting act XXXX  account number 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 XXXXal
Product: Mortgage

I am having issues with my Wellsfargo lender and do not understand why the new modification interest rate went to 6 % when I have a 3 % rate. so the payment is too high for me I am asking for help this modification is not help. I do not understand how they can offer me a covid relief program when this is not going to help me it will only benefit my lender the interest rate went up 3 % more. I believe that they are taking advantage of me the borrower. I do not know if this is legal for the lender to do to me a borrower this all I do know is that the loan is insured by FHA. I think that they do not care to save the loan do to they are insured by FHA if this is the case its illegal. All I know is that I feel discriminated by my lender because all I know is the modification they offered was to benefit the mortgage company. I feel that they are discriminating me and taking advantage since I am not aware of the laws that are suppose to protect me I hope someone can help me.
Product: Checking or savings account

XX/XX/2024 we were leaving XXXX and were stopped by " police '' and were not going to be released with out making a payment. We were under duress and told that if we did make a payment we would be held for 72 hours in a foreign land. The first 2 credit cards we gave them did not allow the transactions to go through due to the fraudulency. Fearing for our safety, we gave them our last debit card and ran it through a machine twice. Once it went through, they let us go and we got into the airport and somewhere safe as quickly as we could. The bank can see the second attempt at charging it. I checked my account immediately and saw the charge for {$940.00} from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. Less than 10 minutes after the fradulant charge, I reached out to my bank ( 1st bank XXXXXXXX XXXX ) to notify them of the fraudulent charge and requested a charge back. On XX/XX/2024, I received a letter denying the dispute because " we do not have dispute rights for this transaction ''.
Product: Credit card

I first noticed the charge on my credit card on XXXX-24 for {$300.00}. So when I realized where the card was used at I went up to the hotel and asked for a receipt from the card number used they gave me a receipt which had someone else 's name on it and my credit card at the bottom along with another credit card number so then I called chime and filed a dispute and I uploaded that receipt and I got denied that was the first time so I called for a rebuttal and it got denied and I filed for another one and each time I asked them to send me the information that they used to determine why it got denied and all the information I get back is the information that I gave them the receipt and my intake and that's all I ever get back. And they keep saying there is no credit card billing errors even though I have proof of somebody else 's name and my credit card on the bottom of that bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car from XXXX XXXX XXXX and my car was stolen and wrecked. Before the car was stolen XXXX didn't report to my credit report. After the car was given back and I didn't want it because I didn't wreck it and it wasn't drivable they reported the account as open stopping me from obtaining another car from another dealership.
Product: Checking or savings account

I am having problems with Wells Fargo bank they have taken money out of my savings account with out my permission. I didn't give them any authorization to take the money out of my account. I am on a fixed income and I am XXXX and usually I get {$300.00} out to pay for the utilities where I reside at. Social security sends Wells Fargo my checks directly to my savings account every first and third into my savings account direct deposit. And I am aware of that Wells Fargo bank was sued because they were opening up fake accounts taking people money. And after I told them not to take any money out of my savings account. Wells Fargo took the money out anyway with out my permission and when they took the money Wells Fargo wanted me to pay {$290.00} cent 's to pay for service fees in which I pay my utilities and want to charge me money that I get the money to pay my utilities bills every first of the month. And after I told them that I didn't want them to {$10.00} out of my savings account in which I supposed to have {$84.00} with out my permission took the money anyway.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

After reviewing my credit report, I noticed there were several accounts listed that do not belong to me. I've never heard of these companies reporting on my report nor have I given them my personal information. Here are the accounts listed below : XXXX XXXX  XXXX Bal- {$0.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bal- {$1300.00} Opened XXXX XX/XX/XXXX XXXX XXXX of XXXX Bal- {$2400.00} OpenedXXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bal- {$2700.00} Opened : XX/XX/XXXX XXXX XXXX  XXXX Bal- {$1300.00} Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$720.00} Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.
Product: Money transfer, virtual currency, or money service

I was trying to pay my XXXX bill and for some reason it kept telling me there was a problem with my card. I knew there was enough money in the bank to cover the transaction so I called the bank or so I thought what it was the bank. I looked up the customer support number on XXXX and I doubt it they answered. I told them that problem that I was having and they said they needed to verify my account. They had me download an app which I didnt understand and they suddenly had all of my information, my bank account number my my home address my phone number they knew how much money was in my bank. They knew which credit cards I had and which other banks I banked with, and they ended up having me do a bunch of stuff from The XXXX XXXX saying that they were verifying my account and then they had me hit a button when I hit that button. All of my money disappeared. I ask what happened to it and I asked her to put it back and she said give me five minutes your account. It will be back in your account in five minutes. Im simply trying to verify your account so I can fix the problem. I didnt understand it I figured she knew what she was doing so I waited well within less than five minutes. She hung up the phone when I called back a man answered. I told him what happened and he said OK I see it heres what were going to do and he hung up I called back three or four times and they would not answer the phone. They kept hanging up on me and then finally I think they blocked me because my car with no longer go through it I went back to XXXX, looked up the number again and found a completely different phone number. I called it and it was the real chime bank. I told them what happened and they said they would check with the fraud department. They came back and said the fraud department refused to give me my money back if they said that I authorized the transaction I did not And I told them that and they said that was too bad and I asked them to at the very least, give me a new account and a new account number and new cards because these people had all of that information they said once I close the account I could not get a new account and they would, but they would gladly sent me new cards will new cards would not do any good on the XXXX these people have the account number, routing number and all of my information. I needed a whole new account and they refused to give it to me so I close the account out entirely whatever money I had left in there they did not give me that back either. It was only pennies, but they still did not send it back to me and I am very disappointed because I think that they couldve at least taken the phone number that I called and investigated the whole thing and found out that I was scammed Im very disappointed very sad that Im on a fixed income and thats all the money I had to my name to pay my end of the month bills and now this is going to totally throw me off course
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial reported my account 30 days late for XX/XX/XXXX to both XXXX and XXXX My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle  in XX/XX/XXXX and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to CITICARDS CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.