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

On XX/XX/XXXX, I entered a claim through the Citi Bank mobile app to dispute an excessive charge. In the dispute, I explained that the Hotel had over charged me {$1500.00} instead of {$850.00} which resulted in an overcharge of {$670.00}. The amount of {$670.00} was temporarily reversed, then promptly reinstated without my knowledge on XX/XX/XXXX. 
When called Citi Bank dispute department, I was asked to send evidence supporting my claim, which I sent on XX/XX/XXXX @ XXXX. This email included and explanation, and the receipt I received from the XXXX XXXX showing the correct amount that should have been charged to my card. I then called to follow up the dispute on eight more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, and finally on XX/XX/XXXX. 
Each time I called, I was told as told to either expect a refund within 5-7 business days, wait 7-10 business days or that my case was still pending and that they haven't gotten any updates from the investigations department. I was issued. I was once issued XXXX miles for the inconvenience. During my last conversation with the dispute department, I was told by Citi Bank that I need to go to the merchant directly to get my refund. I spoke to the supervisor, who told me that they can no longer help be because, they longer have the authorization to dispute the amount due to the amount of time that has passed. It's been 5 months since I opened the dispute with no resolution.
Product: Checking or savings account

I closed my checking account. I never received any notice of any problems until I received a letter from a collection company asking for XXXX dollars. 
The only check written on this account in the last three years was the one to close it. How are they coming up with this number?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, There are 2 addresses that are currently listed as mine on the XXXXbureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my Experian report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXXXX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into my equifax account and dispute incorrect information and can not get through to talk to anyone and how to do this online. I am not tech savy and need detailed information to complete the process and can not get to talk to anyone. They ask questions that have nothing to do with me or my credit and then tell me unfortunately they won't be able to help me at this time.They have my DOB wrong and wrong street address wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX  : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Asset Care LLC has placed several debts with XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00} and {$1400.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Product: Checking or savings account

I opened a Sofi saving account. I transferred some money from my XXXXXXXX XXXX XXXX account to this saving account and then my Sofi saving account got restricted. Here 's the timeline- I opened Sofi saving and checking accounts on XX/XX/year> - I transfered {$5000.00} from my XXXX account to Sofi saving account on XX/XX/year> - XXXX deposit a check {$500.00} to my Sofi saving account on XX/XX/year> - I transfered {$26000.00} from my XXXXXXXX XXXX XXXX account to my Sofi saving account on XX/XX/year> - My Sofi banking account got restricted on XX/XX/year> - Talked with Sofi customer service, they said that the deposit from XXXX was under my XXXX account number instead of my name, so they think it was a thrid party instead of me transfering money to my sofi saving account, so they just restricted the saving account. 
- Talked again with Sofi customer service, they asked me for my employer 's contact number and XXXX 's contact number, and I gave them. 
- Talked multiple times with Sofi customer service in the next several days and they kept saying that they were still reviewing my case. They could not verify that my XXXX account is mine. 

Noted that my XXXX account is opened by my employer to receive XXXX and it has an account number. Both my XXXXXXXX XXXX XXXX account and the stock plan has the same number. I've transfered money from this brokerage account to my XXXX account multiple times and everything went smoothly. I have no idea why things do not work in Sofi.
Product: Credit card or prepaid card

Previous complaint under ID XXXX. In the Company 's ( BBVA USA ) response, they state : " Your old credit card is still visible through your online banking profile for your reference. We have confirmed that the account currently lists a XXXX  balance and the appropriate credits have been applied to your new card account. '' This is factually incorrect. My old account online still showed a {$24.00} balance at the time of the response from XXXX, not {$0.00} like they stated. This is a direct result of incorrect credits being applied to the account ( to the extent of being {$24.00} short ). I called in to customer service representatives who further confirmed the existing balance and verified that the statement was incorrect. Overall, the statement above per their official response is 100 % incorrect and unfortunately further goes to show how little BBVA appearingly cares to resolve its customers problems.

Subsequent to the response I had a {$350.00} refund posted to my credit card account by a merchant for a reimbursement. This results in my current balance of my old account being - {$320.00} ( negative balance ... i.e., BBVA owes me ). This {$320.00} negative balance ( rather than {$350.00} ) is the direct result of BBVA still shorting me the {$24.00} from their fraud refund process. I have called in even subsequent to the CFPB complaint to try to resolve this to no avail. When discussing on the phone, the customer service rep agreed with what I was seeing, said it would be resolved in 2-3 business days, but ... it's now been 2+ weeks and no changes. I even tried to talk to the collections department to see if they could do anything with it, no luck.

BBVA, please please please just credit my account the {$24.00} amount I am owed such that my old account ( # XXXX ) will have a - {$350.00} balance. I will also happily field questions from a customer service representative who is able to ACTUALLY address my issue real-time on the phone or in-person and not just " file a report '' that will be fixed in 2-3 business days and never actually is ( I have been told that at least 5 times other the last 5+ months and not once has BBVA competently/thoroughly addressed the issue ). 

Please see attached pdf as proof of existing card balances and activity : $ XXXX for old credit card # XXXX {$0.00} for my new credit card # XXXX ( Can you blame me for not using the new card recently given my nervousness of if it is compromised BBVA will not address my issues? ) I wanted so much to enjoy my BBVA experience as Compass Bank ( its predecessor ) was an icon here in XXXX and especially around the XXXX XXXX  community given its founder XXXX XXXX XXXX. Unfortunately, my experience has been the exact opposite.
Product: Debt collection

I asked them twice to stop calling me at work and I am going to get fired if they continue. I even have it in writing to them and they continue calling me here.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the repeated reporting of inaccurate late open accounts on my credit report. Despite my multiple requests for correction, these inaccuracies persist and have a significant adverse impact on my creditworthiness and financial standing. 
Below are the details of the late open accounts that I have previously disputed and continue to be inaccurately reported on my credit report : XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}. I have attached copies of my previous dispute letters and credit reports from 3 Credit Bureaus for your reference, which clearly demonstrate the inaccuracies I have been disputing. 

It is crucial to emphasize that I have never been late on these accounts, and the late payments reported are entirely erroneous. I have consistently made my payments on time, and I have provided ample evidence, including bank statements and payment receipts, to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. Despite my previous disputes, the inaccuracies persist, and this situation is causing me significant distress and financial harm.

Therefore, I urgently request that you take immediate action to resolve this matter. I kindly ask that you : 1. Conduct an in-depth and comprehensive investigation into the accuracy of the late open accounts on my credit report.

2. Contact the respective creditors to verify the accuracy of the late payment information.

3. Correct the information on my credit report to accurately reflect my payment history.

4. Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reported my XXXX lost on an XXXX XXXX flight. I was traveling XXXX. Was on a flight from XXXX to XXXX then on to XXXX XXXX. I took the code off as I was watching a movie on the flight. I put my XXXX down on a seat to help my mom who has mobility issues get off the plane and rush to our next flight. I realized I left my XXXX the next day after unpacking and it was not there. My XXXX and my phone are connected. I reported my XXXX lost through XXXX XXXX. Will include documentation. So every text message and call goes through both. Someone had access to my XXXX and all my information. They XXXX someone {$1600.00}. I contacted Bank of America and told them what happened. Sent me to there XXXX XXXX and put in a fraud complaint. Never got any email from them other then tips against fraud and scams. I contacted them on the XXXX about status and was told that because a code was sent that I would not be getting my money back. Once I got back home ( tried to have a good time in Hawaii. Thankfully most things were prepaid. ), I sent Bank of America proof that I put the report in the same day the fraud was found out. Still not giving me my money.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to urgently inform you that my personal information has been compromised in a recent national data breach. Upon reviewing my credit reports, I discovered several unfamiliar accounts that appear to be associated with my name. In response, I have requested debt validation from the credit reporting agency, but to date, they have not provided the necessary information. As my personal data has been exposed, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding the unfamiliar accounts. For your reference, I have attached the following documents : A copy of my ID The FTC complaint detailing the fraudulent activity A National Data Protection ( NPD ) report confirming the breach of my personal information The debt validation request letter I request your immediate attention to this matter and look forward to your prompt response. Thank you for your understanding and cooperation.
Product: Debt collection

Pulled credit report for personal reasons and this account was listed as a collection account, I reached out to all credit bureaus as well as debt collector account listed but have not received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX XXXX 4. The inquiry was not authorized - Date of inquiry : XX/XX/2020 Please investigate and delete from my credit report. 

5. This is not mine. Please supply information on how you have verified this item. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is not mine. Please supply information on how you have verified this item. 
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. This is not mine. Please supply information on how you have verified this item. 
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. This is not mine. Please supply information on how you have verified this item. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. This is not mine. Please supply information on how you have verified this item. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. This is not mine. Please supply information on how you have verified this item. 
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. This is not mine. Please supply information on how you have verified this item. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. This is not mine. Please supply information on how you have verified this item. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

13. This is not mine. Please supply information on how you have verified this item. 
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

14. This is not mine. Please supply information on how you have verified this item. 
PORTFOLIO Account Number : XXXX Please investigate and delete from my credit report. 

15. This is not mine. Please supply information on how you have verified this item. 
09 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

16. This is not mine. Please supply information on how you have verified this item. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

17. This is not mine. Please supply information on how you have verified this item. 
PORTFOLIO Account Number : XXXX Please investigate and delete from my credit report. 

18. This is not mine. Please supply information on how you have verified this item. 
PORTFOLIO Account Number : XXXX Please investigate and delete from my credit report.
Product: Debt collection

My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting false, misleading, and inaccurate information on my consumer report. sent several letters and they refuse to remove false information, refuse to do a proper investigation, and refuse to send proper validation
Product: Credit card or prepaid card

Received a never applied micro center store credit card ( issued by Wells Fargo ) opened on XX/XX/2021, about changes {$3200.00}. Called Wells Fargo regarding the concerned faults. WF closed the account.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I was in the process of refinancing my second mortgage that was with XXXXXXXX XXXX XXXXXXXX . On XX/XX/year> Hurricane Milton hit our home in XXXX, Florida and we were forced to evacuate. During this time XXXX put our second mortgage into Natural Disaster Forbearance as we assessed all damages and returned home. While we were in Forbearance XXXX reported us as 30-days late to XXXX, TransUnion, and XXXX , dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called XXXX to have them remove the 30-day late which they refused to do. I called the credit bureaus and opened a dispute. All 3 deferred back to XXXX who confirmed the inaccurate 30-day late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by Natural Disaster ''.
Product: Payday loan, title loan, personal loan, or advance loan

I am currently unemployed. I emailed the company on XXXX requesting to make a final payment to close my account. They would not agree to this payment. As of XXXX, I have made {$720.00} in payments for a {$800.00} loan. I requested a final payment of {$100.00} that would be made on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Equifax Report XXXX Account XXXX reported by XXXX as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See XXXX Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND EQUIFAX DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.
Product: Debt collection

I reached out to dispute this as I do not recognize this debt. I asked them to verify this is my debt, which they did not. I do not believe this debt is valid.
Product: Money transfer, virtual currency, or money service

I am submitting this on behalf of my mom ( XXXX XXXX XXXX widower living alone ) who was scammed. A person over the phone indicated that XXXX was looking at her bank account and that moving money out and back in would help. He had her download XXXX XXXX XXXX on her iphone. With this, he gained access to her XXXX XXXX XXXX and performed a {$490.00} XXXX and {$1000.00} XXXX transaction to a XXXX XXXX ( probably a fake name ). My mother does not even know what XXXX is and it appears that she did not use that app, but it happened through her XXXX XXXX XXXX while the person was controlling her iphone using XXXX. I am hoping that submitting this will help with XXXX 's investigation and recovery of her funds. He also had my mom create a new gmail account and get the XXXX app, and a crypto XXXX  app, and had her wire $ XXXX into the XXXX app. Luckily, I was able to use my mom 's phone to change the passwords for both. The $ XXXX went into the XXXX  app and i was able to transfer it back to XXXX so that is not an issue. We made a police report, an FBI report, made new bank accounts, froze credit, etc. They had access to everything - even social security number.