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

I received notice that my Citi credit card was locked for potential fraud. I reviewed my statements and there were no charges or activity that was out of the ordinary. I called and spoke to a representative who informed me the issue could not be resolved unless I called off a land line, he stated my work phone would do. I called from my work phone and the next representative I spoke to said if the landline was not maintained by me then they would have to send me a letter that would take 7-10 business days and after I received that my card would be unlocked and able to use again. I called and talked to another representative and I explained that this is serious and there has to be another way to verify i.e. social security number or the bank account number I use to pay the credit card. He said the bank account number and verifying my last 4 charges would suffice. So I verified and all was " good to go. '' He told me to disregard the letter that the rep I spoke to prior mentioned. After my work day I went to use the card and it was still declined. I spoke to a supervisor who said they would call my work phone the following morning to resolve ( I never got the call. ) I spoke to another supervisor who said his manager would call me within the hour ( I never received that call. ) I called and finally got through to a manager who said that there was nothing he could do because I had been flagged for MULTIPLE fraudulent activities. I asked him what triggered this as there are no charges out of the ordinary. He could not answer. He said an " investigative team '' would review that and then I asked if after review I could get a printed copy of the " flags '' sent to me. He stated they would not do that. He explained that the original letter that was being sent to me would be expedited and I needed to follow those instructions. I asked in his experience as a manager, what is the time frame for something expedited. He could not answer. I informed him that a manager was to call me the following morning on my work phone and he assured me that when she called it would be resolved. I asked what if it was n't he said ask to be transferred directly to a manager. I finished my work day, never received the call, called from my cell phone explaining everything that happened in the past 24 hours and spoke to a manager who said if she could call someone at my work and give them a reference number which they could pass on to me, it would be cleared. She said she personally would call me back in 10 minutes. I never received a call. This all started on Tuesday morning XX/XX/XXXX. It is now Monday XX/XX/XXXX and I still have not received a letter, no one has contacted me and I am still without a credit card.
Product: Money transfer, virtual currency, or money service

All I know is I've been using cash app for a few years now and I've had to make a new account several times because for some reason I would get locked out and when I would call to verify I couldn't because they would tell me I was giving them the wrong verification for email or phone number so they would just close the account and just recently I got a new phone, again my cash app wasn't the same I had to put in a different make a new cash tag but when I would try out I'm my old tag or would say it was in use but would let me access. And I know I have XXXX and money in that account same thing happen with my coin base. This is getting ridiculous tho whatever happen to cash is king
Product: Debt collection

Today, I have my bank account with XXXX wiped out over {$5200.00} and overdrawn by {$1600.00}. I was informed by a XXXX party that sent the court order to the bank I had a judgement against me ( first time I find out ), had to call the bank to get their info. I was never served nor did I receive a notice. Last communication I had with the owner of the debt, XXXX XXXX XXXX was that I had the intention of paying but could barely survive making {$12.00} per hour back in 2013. Apparently, a judgement with the ability to lean my bank accounts was filed in 2013. How can I have a judgement and court proceedings without having been served or a notice received?
Product: Debt collection

I had direct deposit of my paychecks at Well Fargo Bank in XX/XX/XXXX. At some point I had incurred a large charge for one insufficient fund item. Before I knew it 5 or 6 very small checks hit and as a result of the unknown debit for the service charge. Result 6 more service charges. I switched the direct deposit because the service charges were larger than my paycheck. In XX/XX/XXXX, I received the first call from a collection agency. I told them that I would only deal with the original creditor. Over subsequent years the debt was sold to a different collection agency, and then later to a third one. Yesterday, I got a call from a blocked number telling me his name was " XXXX '' and the he was a private processor attempting to deliver me a summons for a civil suit in XXXX County against me. He gave a number for a so-called XXXX XXXX XXXX XXXX XXXX and a case number. ( The case was actually non existent, according to XXXX County. ) When I called the number a " secretary '' answered and asked for my " case number ''. I asked to speak to the " attorney '' handling my case. He told me that a suit had been filed against me for {$3300.00}. When I began to ask more questions such as how the amount was calculated the " attorney '' became evasive. He told me he recognized that I was trying to " set him up '' or that I was " fishing for information ''. I informed him that by Texas law the amount in dispute is way beyond the statute of limitations and is unenforceable. He became quite nervous and defensive and told me he did not want to say anything else and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

After successfully paying off my vehicle loan, I received an email and all the necessary documents from the company confirming that the loan was paid in full. They even sent me a congratulatory letter and closed the account. Additionally, I obtained the ownership title from the DMV, officially recognizing me as the owner of the vehicle. However, unexpectedly, the account was reopened, even though my bank statement clearly shows that the loan has been paid. This situation is negatively impacting my credit score, so it is crucial to have this information removed from my credit report.
Product: Vehicle loan or lease

I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  experian XXXX  have all my information wrong attached a copy of the wrong information please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request 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 disputing 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 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
Product: Debt collection

I contacted Municipal Services Bureau again on XXXX XXXX, XXXX. They acknowledged I did owe anything to them. XXXX said she would mark my number not to call. I have received 8 calls from them since then. Their call back number is XXXX.
Product: Checking or savings account

I had a job interview through XXXX XXXX. I got the job and the guy said he would send me a check and to print and deposit the check. Did that and to get my equipment send {$1500.00} through XXXX and {$990.00} through XXXX. I kept asking if this was a scam he said no. Now the bank has my account in the negative and refuses to give me my previous funds and refuses to stop my paycheck that will come tomorrow.
Product: Mortgage

I made an advance payment of my mortgage loan in XX/XX/XXXX of XXXX {$45000.00}. 

Wells Fargo Home Mortgage never contacted me about the payment and arbitrarily applied it to future payments for the next year without reducing my principal. As agreed with the lender, I continued to regularly make my monthly payments without missing any payments. I discovered 2 weeks ago on XX/XX/XXXX to my great surprise that the principal payment still had not been applied 1 year and 5 months later! Furthermore, my request for them to immediately apply the advanced {$45000.00} payment to reduce my loan payment was DENIED on XX/XX/XXXX. They informed me of that when I called again on XX/XX/XXXX. Not only did they refuse to refund me for 1 year and 4 months of interest for the period they held my {$45000.00}, but furthermore they informed me they insist on STILL KEEPING my advanced principal payment of {$45000.00} until XXXX of XXXX still without reducing my principal and insisting I pay interest on the {$45000.00} as if I never made the payment. That is 2 years and 4 months they are insisting to keep my {$45000.00}, without reducing principal, and still charging me interest on the {$45000.00} for the 2 years and 4 months. 

My loan does not have a pre-payment penalty and advance payments are supposed to be made to principal. Without my permission they changed my account to send advance payments to future loan payments without applying to principal I was informed by XXXX the call center agent on XX/XX/XXXX. The call center agent informed me that the bank had changed my account posting logic to set up my account to pay payments in advance instead of to principal automatically. This was never approved by me, and I was never notified of this change. 

I need help to have my {$45000.00} immediately applied to reduce my principal balance which they are refusing to do versus Wells Fargo just keeping it and continuing to force me to pay interest on it. I can not effort to keep paying interest on money I paid to them for 2.4 years.
Product: Checking or savings account

Wrote Chex system a letter to remove accounts that did not belong to me. Removed some accounts but left XXXX XXXX, which I never had a account with them. Said it was verified but never told me on who they spoke to, and not other information
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

I received the email below to XXXX and this isn't my debt. I have not contacted them due to the chance I have to pay or they would use the contact info against me. They disclosed this person 's personal info to a 3rd party- me. 





Valentine & Kebartas , LLC XXXX XXXX XXXX XXXX, MA XXXX XXXX OFFICE HOURS : MONDAY XXXX TUESDAY-THURSDAY XXXX FRIDAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account No. : XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX Current Amount Due : {$4900.00} Last Four Digits of Original Account # : XXXX Settlement Offer Dear XXXX XXXX, This letter is to inform you of our current ability to offer you discounted options to settle the collection account listed above in full. 

Upon satisfying the account, XXXX XXXX XXXX will remove this account from your credit bureau report. Please note, this applies only to the tradeline report by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

Our client wants our records to reflect that they have made every attempt to resolve this matter. Please see the options listed below and be advised we are not obligated to renew these options after the dates listed below : Take advantage of a 30 % discount by making a one-time payment of {$3400.00} on or before XX/XX/2024. 
Take advantage of a 20 % discount by making XXXX consectuive monthy and equal payments of {$1300.00} on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months. 
Take advantage of a 10 % discount by making XXXX consecutive monthly and equal payments of {$740.00} on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months.. 
Take advantage of a 5 % discount by making XXXX monthly and equal payments of {$520.00}, the first payment on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months.. 
If you are interested in XXXX of these offers, please call XXXX to speak to XXXX of our representatives or return this letter with the offer you selected and your payment by the due date stated above. Upon securing XXXX of the above options, we will notify our client that a satisfactory arrangement has been made to settle the collection account listed above in full. 

You can click this link to make a payment on our portal XXXX XXXX XXXX XXXX/valentineandkebartasXXXX 
Important Notice This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector.
Product: Debt collection

ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} 0 % paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no signed contract with XXXX XXXX XXXX and the bureaus refuse to remove this collection from my credit report
Product: Money transfer, virtual currency, or money service

I used paypal to put a deposit down on a hotel room in XXXX of XXXXXXXX XXXX During that process paypal offers a choice between converting at their exchange rate or sending the foreign currency charge to your credit card. Their exchange rate was XXXX XXXX - way below the bank rate of XXXX. Therefore I selected to charge me in XXXX  Paypal ignored that and charged me in dollars using their artificially low exchange rate. The overcharge is {$43.00}. i suspect they pull this trick on everyone but I'm the kind of person who doesn't want to let them get away with it. I saved screen shots just in case and submitted them to paypal when I disputed their scam. The denied my claim and when I called them XX/XX/year> they handed me off among four representatives over 50 minutes and in the end just said they would not do anything about it. This despite the representatives looking and noting the correct exchange rate that I should be entitled to if they sent the XXXX charge to my bank rather than their higher dollar charge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX IXXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hrs stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C s 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts marked as inaccurate : 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
Product: Credit reporting or other personal consumer reports

I've contacted the credit reporting agencies and placed a fraud alert on my profile after my information was stolen in XXXX. I researched my profile and found XXXX accounts ( XXXX & XXXX ) that I have no knowledge of or affiliation with. These accounts are being reported to my profile without my consent. 

I have the right to privacy and have not given any written consent. Furnishing this account is in violation of 15 USC 1681b I have no relationship with these creditors and these accounts are being furnished due to identity theft. Furnishing identity theft accounts that have not been verifiable is in violation of 15 USC 1681 c-2 I requested that my address was updated and fraudulent ones were removed to prevent linking me with fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS ALERTED WITH NUMEROUS OF ALERTS FROM Y CREDIT PROFILE THAT SOMEONE HAD RAN MY CREDIT! XXXX XXXXXXXX XXXX FINANCE WAS JUST ONE OF THE SEVERAL THAT I DID NOT AUTHORIZE. ALL OF MY LOANS ARE THROUGH MY CREDIT UNION XXXX XXXX. 
THERE WAS ALSO ONE FROM XXXX BACK IN XXXX THAT I DID NOT AUTHORIZE. I ALREADY HAD A CARD WITH THEM THAT I WAS APPROVE FOR BACK IN XX/XX/2021. 
AMEX ON XXXX XXXX WAS RAN TWICDE ON MY CREDIT. I WAS ALREADY APPROE WITH THEM A DAY OR TWO BEFORE WITH XXXX American Express.
Product: Debt collection

I am not satisfied with seeing an tem that hasnt been validiated on my credit report with accurate information and demand for the bureaus to remove it. If a collector is in power of any debt that needs attention, first it needs to be validated and ask that what is reporting on my credit to remove it ASAP.     All I expect is to hear back from the CRA 's that my item is off..
Product: Checking or savings account

XXXX - XXXX : Initiated an ACH transfer in the amount of {$15000.00} from my Discover online savings account to a different non-Discover online savings account ( XXXX Bank ) XXXX - XXXX : Received email notifcation from Discover Bank regarding account suspension due to " unusual account acitvity '' and was told to call Discover " immediately '' to resolve. This account suspension led to my ACH transfer of {$15000.00} being frozen ( i.e. the money did not sucessfully transfer to my XXXX XXXX XXXX ) XX/XX/XXXX through XX/XX/XXXX : Initiated phone calls and suffered hold times varying from XXXX0 minutes to over 3 hours to no sucess in attempting to be put in contact with an employee from Discover 's security team who reportedly was the only one able to help me unlock my account This is UNACCEPTABLE both the lack of customer service/care and to hold my money frozen unable for my use when I NEED it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for conducting a hard credit inquiry on my ( XXXX XXXX ) and my boyfriend ( XXXX XXXX ) 's credit report without our informed consent. 


On XX/XX/year>, we spoke with a XXXX XXXX representative regarding a loan inquiry. we explicitly asked if the credit check would be a soft pull, and the representative assured me that it would not affect my credit score. However, we later discovered that a hard inquiry was placed on my credit report without my consent. 

we immediately contacted XXXX XXXX to address this issue, but we have not received a satisfactory resolution. A hard inquiry can negatively impact my credit score, and since I was misled about the nature of the credit check, I believe this was an unfair and deceptive practice. And even if I asked the representative to stop the wrong application and start the dispute, they still ask for more materials from us to complete the wrong application This misleading practice is unfair to consumers, and I kindly ask for help from CFPB to investigate and take appropriate action please. 

Additional information : the company that pulled our credit report is called credo. walls fargo is working with them to get credit report
Product: Checking or savings account

I am filing a complaint against PNC Bank due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, PNC Bank has frozen my account and held my funds for over XXXX years with not one word as to why or when this will be resolved. 
Furthermore, this entire process has been unfair and deceptive. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE RIGHT TO PRIVACY AND I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX