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

My Citi Double Cash Card has been compromised and hit with fraudulent charges, and the resolution so far from Citi has been dismal and I fear the card will be consistently compromised leaving me stuck with fraudulent charges. 

XXXX. On XX/XX/2022 I received a fraud text alert from Citi about a {$19.00} charge for XXXX that I did not make. I responded that I did not recognize the charge and called Citi. On the phone the Citi employee assured me the charge will not go through and issued me a new card. 

XXXX. On XX/XX/2022 the fraudulent {$19.00} charge went through on the NEWLY issued credit card. I called Citi again and was told a second new card would be issued and the charge would be removed. The charge has not been removed. 

XXXX. In addition to the {$19.00} fraudulent charge, I now notice a NEW fraudulent transaction pending to XXXX on the second new credit card. 

Citi is issuing new cards yet somehow the unauthorized user ( s ) are receiving the new credit card info simultaneously, this is unacceptable. I want the {$19.00} fraudulent charge removed, the pending fraudulent charge to XXXX prevented, and a new card that has not been compromised before I even receive it in the mail.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX XXXX Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. 

They made it clear that they DO NOT REPORT TO TRANSUNION, XXXX, XXXX or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Debt collection

The debt collection company marked my complaint as duplicate regarding the CFPB complaint of XXXX. The complaint was for a different account, so it has a standing. There were different complaint elements regarding the account as well. Negligence is also considered abuse. The issue in question was for the same company ( NATIONAL CREDIT ADJUSTERS ) regarding a different account. The account number is XXXX. There are two different accounts being reported from NATIONAL CREDIT ADJUSTERS regarding alleged debts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I had an international wire transfer coming to me and Wells Fargo was the intermediary bank. They said the funds came through but were given to someone else whose name did not even come close to matching mine but somehow had the same account number? Wells Fargo said this rarely happens but it can happen. They told me there was nothing they could do as the money was gone and spent. They even said they knew who took the money but could not get it back because it was already spent by the person who stole my funds due to Wells Fargos mistake. This wire was for {$8000.00} to help pay for my mothers XXXX  expenses. How can they think its okay to give funds to the wrong person without any recourse?

We called several times to speak with Wells Fargo on the missing funds and their answer was always the same. Yes, we received the wire, gave it to the wrong person, and there is nothing we can do. It got to the point where they starting hanging up on me as soon as I gave them the account information to see what can be done.
Product: Debt collection

On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/2015 I voluntarily surrendered my vehicle in question to Model Finance, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now Model Finance and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called Model Finance on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Amount, XXXX This is not my account, it do not belong to me, I do not have contract with them, its inaccurate. I am not responsible for something that do not belong to me.
Product: Credit card

I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.
Product: Checking or savings account

I have had my navy federal account for years. The overdraft fee is simply terrible I have tried to contact them about this and every so often I will get a service agent to reverse one or two date are from a few years ago XXXX I can not pull up my statements from that far back
Product: Checking or savings account

In XXXX I opened a joint account with my mother at Citizens Bank in XXXX XXXX XXXX At the time she was concerned about her diminishing cognitive abilities and had previously assigned me as her power of attorney. Since this account was opened we have had problems with the bank. On three occasions I was notified of possible fraud by Citizens and responded immediately. To date there is {$2000.00} missing from this account that is not accounted for which will impact my mothers abilities to get Medicaid once her resources are gone for nursing home care. 

In XXXX of XXXX my older brother presented the bank with an alternate POA document which was not valid because my prior POA was a durable power of attorney which made it very clear mother 's cognitive abilities were already in decline. The second POA is not valid as it never revoked the first POA and was printed off the internet. Furthermore my mother signed a revocation of the second POA in XXXX of XXXX. She claims that she was coerced into signing the second POA. 

The bank did not notify me as joint owner of the account when this POA was presented and I only found out when my brother attempted to hijack their account by adding their profile information to it. ( one of the fraud reports from the bank ) When I called the branch manager I told them the POA was not valid and my brother should not have access to this account. I explained I had been the POA since XXXX of XXXX. At the time checks were being presented against my moms account with my brothers address on them. I had no knowledge of this until I saw it later. 

Subsequently in XXXX of XXXX my brother withdrew {$2000.00} from my mothers account which has been verified by video footage from Citizens own security department. This occurred without my mom 's knowledge. I have asked the bank to send me the {$2000.00} in question, and to close the account immediately. I sent this letter in XXXX of XXXX and have not received a final response to date. I have called many times, sent emails and with no results. In fact Citizens bank sent a response to my letter to my brothers address rather than my address. My letter clearly stated my current address and my request to close the account. My brothers address has never been attached to this account profile. My proof of the bank sending this response to my brother is by way of a USPS informed delivery account I had created for my mother at my brothers home address. To date I have received nothing from the bank in writing. The last time I spoke to the chairman 's office about it they said they had their attorneys reviewing it. I reported this case to the bank as elder abuse which they said they took very seriously. 
Since this occured my mother has been XXXX in her retirement by my brother, for four months after relocating to a nursing home near my brother my mothered was prevented from contacting other family members and i have retained legal counsel regarding this and many other matters. 

I want the funds returned and the account closed. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX, I applied for XXXX XXXX, a program where one is given an installment loan on a XXXX cell phone. When applying you are submitting an application with XXXX XXXX. I submitted my application and knowing my credit score was over XXXX I thought I had no problem getting approved. I was then informed to call an XXXX before my application would be approved. I did so and the agent told me that my application was being escalated to another department for approval. I then received a call from XXXX XXXX   asking to call back, which I did and I was told they would have to run my credit a second time in order to make a determination. I informed them this would hurt my credit since it would be another " hard pull '' on my credit report, and I did not understand why they needed to do this. I was informed that they had to and they knew it would hurt my credit score but it was required. I have worked very hard to increase my credit score and knew this would negatively affect my score. After again stating I did not understand, they would not agree to proceed. This I think is illegal to pull your credit twice in a row when this negatively affects people 's credit, and for no reason. I also do not understand why XXXX uses XXXX XXXX when I thought I was applying with them. Another person would agree not knowing and be negatively affected. Either approve the application or deny, but to state they needed to pull the report a second time when it would hurt my XXXX score is not acceptable.
Product: Consumer Loan

Dear Sir or Madame, In XX/XX/XXXX I spoke with XXXX [ Address : XXXX XXXX, NY XXXX, Phone XXXX, XXXX, Agent : XXXX ] and expressed the interest in buying the truck and I stated that I am looking for the loan. The agent advised me that he will find the best commercial load for me. In short time he called me and said that they have affordable loan to finance purchase of commercial truck ( XXXX XXXX XXXX ) via XXXX, XXXX. [ Address:XXXX # XXXX WA.XXXX Phone : XXXX, XXXX XXXX. In numerous discussions with broker ( XXXX ), the loan amount is set to total {$20000.00}, pay-off in XXXX months, plus admin. Fee of {$1000.00} and XXXX prepayments of {$1900.00}! I signed the contract having these terms in mind. When they cut check to equipment seller, they changed the contract and the monthly payment amount to $ XXXX month. However, they changed the terms of loan from XXXX to XXXX months. I was not aware of this fact at the time. I was making the payments in this amount on the regular basis, sometimes I was even making higher payments in order to pay off my XXXX faster. 

In XXXX, I called XXXX, to ask for pay-off ( this was my first inquiry about the payoff ), since monthly statements do not have that information listed on the statement .... The response I got was very shocking- the payoff amount was around {$34000.00}!!! 

Following are the present facts : I already sent close to {$15000.00} in monthly payments. I borrowed {$20000.00} for a commercial loan ( to purchase my truck ). It appears that overall interest on the loan is over XXXX %, with final payoff amount of {$49000.00}. I spoke with Financial Pacific Leasing numerous times requesting the explanation and stating the misleading facts but I received no explanation from them. The only thing they can say is : YOU SIGNED THE CONTRACT AND YOU ARE LIABLE FOR IT, AS STATED IN THE CONTRACT. I asked about option of offer in compromise and would I have an Equipment Title after I pay that off ... The answer was : You should read what you signed, it is NON TRADITIONAL LOAN, you signed it!!!! My question after then was, " Is this a Loan or a Lease, and what does Non-traditional Loan means? " - the answer was " Read the whole Contract '', no further explanation whatsoever ... 

My only source, to solve current situation and try to bring my life back to track, is to ask You for your legal help. I believe there are lending standards in this industry ( standards for interests, for loan conditions ... ) and other lending regulations/ terms to protect customers from such predatory lending practices. I understand that many lending institutions are regulated and held to certain standards. I honestly believed that I was dealing with legitimate entities, and that they are bounded by industry regulations. But this contract seems to be against all regulations and standards. 
At XX/XX/XXXX, I reported my complain to XXXX State Office of the XXXX, phone : XXXX, web : XXXX # : XXXX Please help me legally make reasonable loan conditions in accordance with legal standards. 
Thank You in advance. 
Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i attended the XXXX XXXX XXXX XXXX as XXXX   candidate from XXXX - XXXX and my undergoing XXXX XXXX and XXXX  until XX/XX/XXXX ( as XXXX XXXX  ). I just got the XXXX XXXX forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX   and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

paypal unilaterally deemed my account a " security concern '' and closed my account XXXX XXXX, 2015. I have attempted on multiple occasions to contact them via phone or using their online contact system. Each of these methods is infuriating enough to navigate, let alone attain results in utilization. With each phone contact, an employee gave me a scripted response with the promise they would forward my information and complaint to the " relevant department '' without result. I was told I would receive my money after 180 days from XXXX/XXXX/2015 and am still unable to withdraw my money. I find this behavior on paypal 's behalf reprehensible.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Product: Mortgage

I have been requesting a monthly statement for the last 4 months. Because this XXXX/ dovenmuehle mortgage, Inc. have a habit of changes in lawyers, as well changes of where the mortgage is to sent. Besides i would also like statement for my own records. in the past several years they reported to credit agency that i had not paid my mortgage in two 2 years, they done this to many times. we have requested the check returned to us. which they claimed that we received, when in fact we had not. 

With all the reports on both these company, you would think some would of have the guts to really look it them. enough is enough
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted XXXX once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

XXXX, Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit card

THIS COMPANY ISN'T REPORTING THE CORRECT OPENING DATE, THE HIGH CREDIT LIMIT ISN'T REPORT FROM EQUIFAX XXXX}, THE LAST REPORTING DATE IS INCORRECT IT SHOULD BE XX/XX/XXXX, ALSO IS HAS A COMMENT THAT STARTING THE HIGH CREDIT LIMIT WHICH HURTS MY SCORE, THE LAST DATE ACTIVE IS INCORRECT XX/XX/XXXX, DATE OF LAST PAYMENT SHOULD SAY XX/XX/XXXX. 

ALSO MISSING REPORTING DATES ON XX/XX/XXXX & XX/XX/XXXX. 


PLEASE SEE ATTACHMENT
Product: Student loan

Sent the info regarding the understanding that it did seem with the XXXX attitude towards minimal debt and student loans not prioritized within that fixed amount, that quantities of MOHELA receipts for under {$1000.00} continued to pass what felt like a XXXX  into my XXXX XXXX to continue with being financial sound and identifiable and an independent or a XXXX. The last two pay into transactional amounts were inclusive of {$1200.00} for XX/XX/XXXX, and a deducted initiative of {$800.00} for a new amount of {$740.00} for XXXX month, with same day of routine payment subscribed for. Also, the XXXX program is for some navigational reason difficult to manage into and through. I am hypogenic and protective of my purchasing power given the XXXX  and XXXX XXXX XXXXXXXX that is linked to my persona. The actual paper copy was never given an opportunity to be provided to me even with the safe and knowledge based distance between myself, and XXXX XXXX. Also, XXXX is also difficult to retrieve old archived past information from. Large amounts of handouts and canceled debts to people maybe not that indebted playing roles in the sites ethics and construct?
Product: Debt collection

We were late on a membership fee to our timeshare with XXXX XXXX but have since paid what was due to XXXX. An outside collection company called Aspen National Collections which we have no business affiliation with, keeps harassing us for some fee they trumped up of {$53.00} for their services. We do not know who this company is and have advised them multiple times to stop calling us. They continue to harass.