23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2019 we used a service on our Wells Fargo app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called Wells Fargo and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes.
Product: Credit card

This relates to a previous complaint but is independent of the previous complaint ( XXXX ). 

In response to a previous complaint, I was provided a letter ( dated XXXX XXXX XXXXXX/XX/XXXX ) and a point of contact with Bloomingdales/Citibank , N.A. : XXXX XXXX XXXX. In an effort to resolve my CFPB issue with Citibank, I sent them another letter on XXXX XXXX XXXXXX/XX/XXXX outlining the issues experienced, requesting the date I purportedly opted into paperless statements, and seeking redress in the form of removal of negative credit reporting. Having not heard back from Citibank ( a reoccurring themeXXXX ), I called XXXX XXXX on XXXX XX/XX/XXXX ; XXXX XXXX called me back on XXXX XX/XX/XXXX and advised she did not receive my letter and that no credits would be issued on the account. 

I realized today I misread XXXX XXXX 's letter of XXXX XXXX and believed they were crediting my account {$95.00}, not that she was iterating no additional credits beyond what had already been credited in the amount of {$95.00} would be granted. As such, my most recent payment of {$120.00} did not bring the account current. Therefore, additional fees and charges were assessed. 

The basis for my complaint is I believe Citibank , N.A . is purposefully ignoring correspondence from its cardmembers and charging exorbitant fees as a business practice. 

I have made numerous efforts to resolve the delinquencies on my account arising from account statements I never received. As I stated in my XXXX XX/XX/XXXX letter, " fees and interest would not have continued to accrue and the negative reporting would not have occurred if Bloomingdales/Citibank , N.A. provided the requested information in response to my XX/XX/XXXX, letter. '' The XXXX XXXX letter is attached. [ Please note, the requested statements were received after the letter was mailed, so I now am able to crosswalk the account statements, as attached. ] My credit score was over 800 when this XXXX  began, and it has fallen to the 600s due to the negative credit reports. I have sought and continue to seek a fair resolution to what originated as a simple issue. I have operated in good faith. Citibank 's charges are not fair or reasonable considering they have blown off all attempts to resolve the issue ( short of payment ) since XX/XX/XXXX. As such, I conclude they purposefully are not acting in good faith, ignoring my letters in order to enrich themselves through the assessment of unreasonable fees.
Product: Money transfer, virtual currency, or money service

I don't know the dates cause I just became aware of alot of these fraudulent accounts and the Identity Thefts accounts used in my nameXXXX I did not open these accounts nor order these items
Product: Debt collection

A collection company XXXX XXXX XXXX ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is CASHCALL INC who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

XXXX XXXX XXXX do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.
Product: Payday loan, title loan, or personal loan

A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system. 

This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). 

XXXX XXXX has gone bankrupt and no longer exists. 

Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. 

The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. 

The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You. 
The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft. This unauthorized use of my personal information has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX XXXX XXXX XXXX # XXXX. Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX XXXX XXXX., they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,
Product: Vehicle loan or lease

I have monitored my car loan very carefully with Santander since the loan is a daily simple interest loan. Santander charged misc fees in which they agreed to waive since they could not explain where the fees came from, the waiver took place on XX/XX/XXXX {$60.00} and XX/XX/XXXX {$86.00}. The Santander website does not disclose where the fees came from or a recurring balance of fees if they are carried on the account. The consumer has no way of knowing what the accumulative balance of fees are. The consumer is reliant on what the Santander Customer Service Rep tells them. This is misleading and a failure to properly disclose information. 

The second issue is with a daily simple interest loan, I repeatedly called Santander to keep myself up to date on the status of my car loan. I started to pay my car loan in advance to get the payments applied for principal and interest. 
Starting XX/XX/XXXX the following payments were made : Car loan current XX/XX/XXXX {$490.00} current car payment for XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$570.00} due date XX/XX/XXXX Car loan current paid in advance, XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance XX/XX/XXXX {$490.00} due date XX/XX/XXXX The Santander website shows my due date as XX/XX/XXXX, this is yet another mistake by Santander, this company has no problem taking interest payments but yet they fail to apply payments properly when it benefits the consumer. I am sick and tired of contacting Santander about their faulty servicing system and how it fails to apply payments appropriately. MY DUE DATE SHOULD BY XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Greetings, Around XX/XX/year>, my personal information was apparently in a data breach! Unauthorized transactions/activity in various accounts of mine were made, including my cash app account! I made cash app aware of suspicious activity on my account on XXXX  but they claim my account was fine! Next, various unauthorized transactions and activity started occurring on my account again and I reached out to cash app twice this time around ( I have 2 case numbers and dates to support these facts ) and I was told that my account was fine! Now at the time of being told these things, I didnt have access to my phone number or phone device because they had been compromised in the data breach! I was signed out of most of my accounts through the data breach somehow! My passwords were changed somehow! I finally got access back to my phone number around XX/XX/year>XXXX  because my phone number was stolen somehow as well! And I finally got access back into my phone device until around XX/XX/year>! I have proof of all of this! Meanwhile, while various unauthorized transactions were being made on my account for various amounts, cash app has decided to decline all the unauthorized disputed transactions/activity that occurred on my account without my consent, permission or knowledge! Cash app support team has claimed to have done a investigation but based on their conclusion, their investigation lacks any transparency and or truth to it solely based on the facts of the matter in this situation at hand! A bogus investigation seems to have been done frankly! I still have yet to receive the documents that I requested that Im entitled too by law and my rights!
Product: Checking or savings account

In XX/XX/2019 I opened an on-line savings account and deposited a {$4200.00} check from the US Department of Treasury ( my tax refund ). My on-line account indicated that the check was received into my account. Subsequently I tried to transfer some of the funds from this account to another account external to this bank. 
After several days of no action I contacted the bank and they informed me that the account had been closed due to 'suspected fraudulent activity '. They suggested the check was not valid. 
For several days they said they were reviewing the account. on XX/XX/XXXX they told me that they had closed the account due to 'business reasons '. However, they have accepted the deposit into the account, and by closing the account denied me access to my money. They have told me that they will issue a check to me after 60 days. 
It is clear to me that they have decided to close my account as they did not like that I was transferring funding out of the account, and there never was suspected fraudulent activity, but they will not state this. 
They are holding my $ without my consent and I believe this to be fraudulent activity by the banking institution.
Product: Checking or savings account

My Account was used to make unauthorized transaction in my name using XXXX XXXX I contacted law enforcement and the finacial istitution with in 3 days and the card used was a XXXX XXXX XXXX XXXX with a XXXX liability benefit. However the fiancial istitution is refusing to cover the loss of {$500.00}. I did not authorize the transactions and in fact the XXXX XXXX was not mine and also was opened without my authorization.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account XXXX : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Capital One and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Product: Payday loan, title loan, or personal loan

I opened a Business line of credit with BB & T back on XX/XX/XXXX for {$40000.00} under XXXX XXXX, XXXX. This is a solely owned XXXX by myself. This was a three year line of credit. At the end of the three years the line matured meaning I no longer had access to the funds. BB & T charged an annual {$100.00} fee starting on the origination date and each anniversary after that. The agreement states that I shall be assessed that fee on my anniversary until my maturity date which was XX/XX/XXXX. My first {$100.00} annual fee was charged XX/XX/XXXX. My 2nd annual fee was charged XX/XX/XXXX. My 3rd annual fee was charged XX/XX/XXXX. The line matured on XX/XX/XXXX which cut off my access to the line of credit funds. BB & T which is now Truist since their merger decided to charge me a 4th annual fee on my maturity date. The line of credit agreement clearly states I will be charged the annual fee until my maturity date. They charged 4 annual maintenance fees on a three year product. I am also a former employee of Truist bank. I left last year on my own to work for another bank. This is some of the reasons I left working for Truist. This is completely unethical. I have spent over 8 hours on the phone trying to get this fixed but nobody wants to take any accountability. I keep getting passed back and forth between the call center and the branches. Truist employees have agreed that I shouldn't be charged 4 annual fees on a 3 year product but they don't make the decisions to reverse the fee I am told. This is an unfair and deceptive practice that should be stopped immediately. After reaching the proper complaint channels I will be reaching out to an attorney that specializes in class action lawsuits. Common sense should tell the bank that you don't charge 4 annual fees on a 3 year product and when the loan agreement states that the fee will cease on the maturity date they shouldn't charge one more fee. Truist is supposed to be built on TRUST they say.. how can I trust them?
Product: Payday loan, title loan, or personal loan

NetCredit sent me an before any negative actions. Agreed to payment arrangement, paid and still reported negative information. Please see emails..
Product: Credit card

Apple Card has on numerous occasions taken a long time for disputes, they rejected for for an obvious scam that I had documented and was not given a refund from the original company. They issued a credit and then recharged me 2 months later without explanation. I refilled the dispute. 

Im now being taken to collections by the original merchant.
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 {$2500.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021, a college debt from XXXX XXXX was placed in a debt consolidation program. The Law firm representing me ( XXXX XXXX XXXX ) negotiated a payment schedule with Absolute resolution, which took on the collections from XXXX XXXX. I have a letter that states the account is in good standing and Absolute Resolutions has put a derogatory status on my credit report. A negotiated amount was settled and I am paying on this Debt. I am trying to get my credit back up and this company is the only one that is preventing me from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan have been reported on my Equifax, XXXX, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, AP XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX