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

Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us
Product: Credit reporting 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 XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX has XXXX my rights. 15 U.S.C 1681 section 602 A. States 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 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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was part of large breach and I am entitled to privacy
Product: Credit reporting or other personal consumer reports

I just checked again my credit report and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States XXXXXX/XX/XXXXbilling error ). Please see attached file below
Product: Checking or savings account

On/about XX/XX/year> Chase Bank decided to abruptly close my account. The same week my paycheck was being directly deposited into the account. I went to the ATM and could not withdraw my funds. I went to the bank in person and they could not provide me with any further information other than to tell me the account has been closed and they will mail my funds to address on file. It has been 5 months now and everytime i call to inquire Customer Service they tell me its " under review ''. The last call I made was XXXX and the CSR rep named XXXX at XXXX option XXXX, told me the funds are still under " review for claims to be paid ''. I asked what that mean and who has made claims against the funds, however the rep could not answer me and thus transferred me to another department named Claims on-line department and spoke with XXXX who said she could not help me. I explained the situation thoroughly and asked her to take her time processing my facts before transferring me again. XXXX transferred me back to CSR where I spoke with XXXX. I explained to XXXX again what I have been explaining to everyone else. At this point I have been on the phone with Chase for 55 minutes. He placed me on a brief hold which lasted 12 minutes. He told me he will transfer me to the Retail Escalation Team/On-Call Supervisor but before he transfers me he will explain to them the situation so I can have my money. He transferred me back to the queue where the wait time was more than 40 minutes. I want my money now and Chase is ROBBING me at this point!! I was picked up by XXXX and she said she is going to send and email to another department to assist me however XXXX could not provide me with name of the department or number for such department when asked how and when would I get a resolution or follow up and from whome. XXXX got frustrated and put me on hold to transfer me out of her queue. The call has been going on so far for 1hour 20minutes and 13 seconds. I was transferred to XXXX at the KYC Team ( Know Your Customer ) who teold me that she will be transferring me to the claims team. At this point I have been transferred 7 times. 1 hour 37 minutes 22 seconds later. I gave up frustrated and with tears in my eyes.
Product: Checking or savings account

My Bank is Through Skylight Financial or XXXX XXXX. On XX/XX/21 I tried to pay my car insurance payment in the amount of {$410.00}. I paid this to XXXX, they never received my money so I tried to cancel it and I was charged again for my payment that didnt go through so I am now out {$830.00}. My insurance still isnt paid and will be cancelled on the XXXX. I havent paid any other bills due to half of my paycheck going missing. XXXX has been nothing but helpful to me, they have sent Skylight or XXXX everything they have asked for is regards to release my money and every time it still isnt good enough, they have ridiculous security measures that cant be met.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9200.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

I was notified XX/XX/XXXX of a Credit Card debt dating back to XXXX which I never incurred. I sent correspondence back to plaintiff, via certified mail, stating as such. This was received and signed for by plaintiff on XX/XX/XXXX. 
I then received a Civil Action Complaint and another letter from plaintiff on XX/XX/XXXX stating I'm being sued for {$4700.00} and a redacted photocopy of said XXXX CC statement. 
I replied with another letter, via certified mail, on XX/XX/XXXX again denying any responsibility for this debt, informing them that this was now time barred by the statute of limitations anyway and to stop all harrassement regarding this scam. 
I also told them I would be contacting this office and the Attorney Generals office has been called
Product: Debt collection

ALLIED INTERNATIONAL CREDIT CORP, ( us ) reference number XXXX {$5000.00} is trying to collect on a debt not owed.
Product: Credit card or prepaid card

The following message ( request ) was sent to credit card company. 
-- -- -Original Message -- -- - From : XXXX Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Customer Contact Request [ EXTERNAL EMAIL ] Use caution with links and attachments. 

XXXX XXXX XXXX Dear Customer Service, Please see the request below. 



First Name : XXXX Last Name : XXXX Last 4 Digits of SSN : XXXX Zip Code : XXXX Selected Concern : FI Detailed Comments : Hello, This account was reopened and credit applied without my knowledge of an Annual Fee of {$49.00}. In fact, I did not apply to have this account reopened. The balance on this account was paid off over a year ago. Credit cards with annual fees are of no interest to me! In fact, I have credit cards with much larger available credit with no Annual Fees. If possible, I would like to keep this account with no annual fee. If not, delete balance of {$49.00} annual fee to a zero balance and close this account asap. Thank you, XXXX XXXX FOLLOWING IS LATEST RESPONSE FROM FORTIVA CREDIT CARD COMPANY ON XX/XX/XXXX : Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that an annual fee of {$49.00} was charged to your account on XX/XX/XXXX. The annual fee is a onetime fee assessed every year to cover expenses associated with managing your account. Unfortunately, we are unable to comply with your request to waive the annual fee. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 


XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX | www.myfortiva.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker
Product: Payday loan, title loan, or personal loan

I am filing a new complaint, because One Main has provided inaccurate information in their response. 

1. I immediately notified One Main of my termination from my then employer in XX/XX/XXXX, not XX/XX/XXXX like One Main stated. The reason the claim took so long was because of their high turnover of branch managers. As I previously stated, I notified the employee XXXX. He insured me that my entire balance would be covered, just as the Branch Manager XXXX XXXX told me when I added the insurance, but XXXX never processed my claim. I kept following up, and it wasn't until the Branch Manager XXXX finally processed it, which is why it wasn't done until XXXX. XXXX XXXX also assured me that my claim would be paid in full. 

2. One Main is being untruthful about XXXX XXXX yelling at my wife. Other employees were present and witnessed when it happened. One of them being XXXX. 

3. One Main was deceptive in that three different employees ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) all deceived me by telling me from their own mouths that my claim would be covered in full. This is bad training and practices on behalf of One Main Financial. 

4. One Main was careless breaching another customer 's information to me, and should be held responsible for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Product: Credit card

The banker misled me into believing that this business credit card account was not linked to my personal name or SSN. I was never late on any of my personal credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX XXXX data breach and was also leaked in the XXXX  XXXX data breach.
Product: Money transfer, virtual currency, or money service

I contacted one of the friends residing in America and explained to him that I need to develop our current factory and we need financing, and his name is Mister XXXX, and he is the one who mediated between us and the finance company Contracts and financing terms have been sent to us, and all official documents proving the legality of the company have been sent Accordingly, we transferred {$76000.00} as expenses to the insurance company But unfortunately, we have discovered that it is a fraud and that all the websites we deal with have been suspended after we transferred the amount
Product: Debt collection

I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 Mortgage lender being told my equifax file is blocked and getting error code XXXX XXXX. I 've called 4 times and been assured there 's no blocks. Ca n't get this fixed
Product: Mortgage

To begin with I am a senior citizen I am XXXX years old .At the end or about the end of XXXX XXXX I contacted XXXX XXXX at Megastar financial. I gave this gentleman all the information he requested i.e. IRS forms, bank statements, copies of my checks from my job and he sent them to his underwriter ... he came back telling the realtor and me that there are no red flags and I have no reason to not sell my home and I can look for a home between XXXX and XXXX. This was five months ago my home did not sell until XXXX XXXX. My current Realtor was also given the go ahead to find a home for {$380000.00} I am looking in XXXX, California ... we looked at in at least 15 to 20 homes I found one about XXXX XXXX for {$380000.00}, I still have the the escrow papers, and put down my {$3000.00} earnest money. The house was an escrow for about a week or so and then XXXX came back and said I 'm sorry you ca n't get the home because the taxes are too high so I Lost the house. Then XXXX tells my realtor and I that he has to do over the numbers again ... then he gave me a quote of XXXX to buy a house ... XXXX you ca n't buy a house at XXXX in XXXX that is a {$50000.00} difference .... if I had known this I would not have sold my house so he virtually left me homeless because he did not tell me in XXXX what the actual price of the home would be I could buy!!!!!! he waited until after my home was sold and I had no place to go!!! Again I had given him All the information he requested by XXXX and it went through his underwriters and he still came back with a quote of XXXX ... .he waited until after my house was sold then he told me you ca n't buy the house I told you you could. XXXX XXXX left me homeless and I have my son XXXX dogs XXXX cats and a bird a bunny and a snake so he 's leaving my animals homeless as well. He 's causing grave emotional, mental, and financial abuse to myself and my son and animal abuse to my animals because we are homeless right now. This is also possibly senior abuse since I am almost XXXX. My house is sold and I have to move out on the XXXX I have no place to go and I and I have not enough money to buy a home because XXXX did not do his job correctly he lied to me and the Realtor 's for 5 months ... Iwould not have sold my home if I knew all this information in XXXX so for five months myself, my son, and the Realtor 's ( more than one three realtors ) were under the God-given impression that I could buy a home for {$380000.00} .and after my home was sold he changed his tune ... ... .I am left homeless. I would like Megastar financial to finance the loan for a {$380000.00} home just as they said XXXX months earlier before I sold my house instead of waiting till after my house was sold and leaving my son my animals and myself homeless
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX ARE NOT COMPLYING WITH THEIR OWN COMPANY POLICIES IN A TIMELY MANNER.
Product: Debt collection

Jefferson Capital on XX/XX/year> opened an reported an account that does not belong to me on my credit profile. When I asked for validation of debt they did not provide me with any information. They reported that I owe {$2300.00} in which I have no knowledge of this debt. They then opened another account on my credit profile on XXXX for the amount of {$1800.00} in which I asked them to provide validation of debt and they did not provide any information. I asked them multiple times to remove these fraudulent accounts from my credit report and I disputed these accounts with all 3 credit bureaus XXXX, XXXX and XXXX and they have still not removed them from my credit profile.
Product: Debt collection

XXXX XXXX account was closed by XXXX XXXX, earlier, than sold to portfolio recovery, put in collections, I disputed, they removed in XX/XX/2015 and put it right back on again the same month. 
this account was over 7 years old and was dropped by XXXX XXXX. for {$540.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00}
Product: Checking or savings account

Chase Bank is intentionally reorganizing the way they post charges to maximize overdraft fees. They posted 1 debit charge dated the XXXX first and then 2 dates the XXXX next, which caused 3 overdraft fees of {$34.00}, when it should have only been 1. On the XXXX when I got gas I checked my account and had approximately {$5.00} on it, so I knew I would have to pay 1 overdraft fee. Yesterday I was notified my account was now Negative {$140.00} due to the 2 extra overdraft fees. The banks should not be allowed to intentionally post debit charges out of order to maximize fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX | XX/XX/XXXX ( N/A ), XXXX XXXX AF inquiry XXXX  ( XXXX ) collection XXXX | XX/XX/XXXX inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my Experian account that I don't recognize or didn't do. they need to be removed. 
the inquires are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has debt on my account that doesnt belong me.. Social security number on their file doesnt match mines
Product: Credit card

As of XX/XX/XXXX, my credit card account balance was {$140.00}. For background, I have another credit card with Bank of America that processes each and every month. However, this credit card was not connected to a payment plan, and Bank of America did not do an adequate job of letting me know ( I am finding out about the issue because they sold the debt off and the new owner of the debt was sufficient in contacting me. ) The {$140.00} in charges in XX/XX/XXXX have grown - without any purchases made - to {$420.00} as of XX/XX/XXXX. That is an effective interest rate of 193 % in less than a year, over less than 10 months. That seems outrageous- and because Bank of America has sold the debt, I am not sure what they will do about the fact that they double ( nearly triple! ) the amount owed by an account, rather than communicating with the customer. Again, their new debt collection agency reached out effectively- which shows that it seems like it is Bank of America 's business model to not collect payments but rather cultivate fees and more fees, over {$200.00} in junk fees and interest on {$140.00} originally owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes Im trying to file a complaint about this Equifax to remove an account off my credit report which is XXXX XXXX this account was removed XX/XX/2022 XXXX XXXX  really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as if it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XX/XX/2022 when that is wrong and this account is closed by law you suppose to inform me about this matter this account was blocked from my credit report if Equifax cant send me any proof that this account has the right to be on my credit report without reasonable doubt I will file a lawsuit against Equifax information service under the FCRA once and account has been removed it doesnt suppose to be reinsert Equifax yall has violated my right I havent gotten any thing in the mAil from yall company about this account being reinsert Im gone give yall 15 days to correct this account by removing it from my credit report if not I will be filing a lawsuit against you Thank You
Product: Credit reporting

I had a dispute with XXXX over some overcharges on my Invoice. 
They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 
Subsequently XXXX realized they had made an error and sent me a refund check. 
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it.