23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX credit card through XXXX XXXX XXXX and was promised bit coin rewards every month, and XXXX XXXX went bankrupt and out of business. I lost my money in my account, and also did not receive my last 2 rewards, yet they still wanted me to pay my remaining balance of approx. {$100.00}. I contacted XXXX XXXX  several times and refused to pay the balance until they gave me my money back from my account and gave me my credit card rewards, which they refused to do. XXXX XXXX has since reported me to all the credit agencies, ruining my perfect credit score which was XXXX, to now in the low XXXX 's. I have paid every bill I ever had on time and they are now charging me interest and the balance is now upwards of {$400.00} and they keep reporting the new balance every month lowering my credit score even more. 
I disputed the charge with the agencies but they kept the determination as valid after XXXX XXXX  sent them the record of me not paying, which I am not disputing. I am disputing why do I have to give them another approx. {$100.00} when they kept my money from going bankrupt and not giving me my credit card rewards? 
XXXX XXXX  is still advertising on their website to sign up for their credit card and promising bit coin rewards. that should be fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I fraudulent accounts on my reporte. please remove this account from report, they are hurting ability to obtain credit Account # : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )
Product: Checking or savings account

Citi bank applied methods that can only be called fraudulent. They been riding me over a account opening for 2 w. 
The skinny is I don't have a account open after providing all they asked for. I believe they acted discriminatory and failed in there sop
Product: Debt collection

I only owe Citi XXXX. They sent my account to an attorney saying that I owe them XXXX. Strangely, They never have been on my credit report and I have been a victim of ID theft. I don't know what to do. I hired a debt settlement company out of Florida who has been trying to settle this for me, but this lawyer and Citibank are determined to take me for all I have and have turned down an offer two weeks ago as high as XXXX, even though I don't owe them that amount!!!!!. I am being abused here thousands of times over and thats also because my state of Georgia has such poor laws that protect us against collection abuse. At this point abuse isn't even the word for it. Its far worse, I believe I am being TARGETED. They also believe that there is money available that isn't!!! I don't deserve this. This debt is over 4 years old, which is past the Statue of limitations. XXXX XXXX hired XXXXXXXX XXXX XXXXXXXX for Citi Bank to create multiple layers to protect CITI against their original offer because they want to take me for THOUSANDS OF DOLLARS. THIS IS A GRAND SCAM and a GROUP OF CRIMINALS. This Attorney, XXXX XXXX XXXX, XXXX in XXXX GA of XXXX XXXX XXXXXXXX is part of the scam. Both Citi and this Attorney need to be investigated. You should see the reviews on XXXX about XXXXXXXX XXXX XXXX, it is a nightmare. How many XXXX Citizens has this group of criminals taken? This is a scam ring. Also, I believe they broke into my account at the GA Department of Labor to try to find out where I work, thats how they decided they were going to go through and add on thousands of dollars to the original amount! I have filed a complaint against XXXX XXXX XXXX because they have my Social Security Number, and they are the only ones besides Citi and XXXX XXXX  that would have a MOTIVE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.
Product: Checking or savings account

It has been 48 hours and I have yet to receive my direct deposit to my account with no explanation of why or when the funds will be available. This is interrupting daily activities and some people 's livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing back and forth with experience, XXXX and transunion regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.
Product: Mortgage

I have been receiving multiple letters each month from a company called Independence home loan stating that we have equity available. I have ignored their constant harassment until this month their " XXXX '' was done to look like it was from the United States government. There is a case number XXXX and a corresponding phone number XXXX.
Product: Debt collection

The day this was opened was on XX/XX/2012 Total - {$1300.00} by XXXX XXXX XXXX XXXX. I have never been admitted to a XXXX XXXX  XXXX XXXX. I would get phone calls and I would explain this was clearly not me and to look into the possibility of it being my father that has my same name and sadly is now desist. I have been attempting to dispute this for a very long time now. I truly hope you guys can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the TransUnion website to get a free annual credit report. I have subsequently learned that this is only available at XXXX. The entire time I was at the TransUnion website I thought I was getting a free credit report. At no point did I see that I was signing up for a service that involved a {$19.00} per month recurring fee. They did ask me for credit card information but this was requested in order for them to make sure that I was the subject of the credit report I was requesting, as a form of authentication. I was aware that the credit reporting agencies have been fined time and time again for signing consumers up for services without the consumer knowing it. Even knowing this, and watching out for it, I somehow managed to sign up for a service on their website and not know it for 6 days, until I saw the charge on my credit card statement. I called them to cancel the service, which they claim to have done, but they did not refund the initial charge. At trhe very least this is a deceptive business practice. At worst is is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a dispute with TransUnion, XXXX and XXXX. Transunion did not remove the inquiries and I provided my report for stolen identity/fraud and two bankruptcies that are listed that are a mistaken identity. XXXX and XXXX removed the bankruptcies and inquiries and TransUnion has refused to for the past 3 months. I called after they would not remove the items to ask why and to ask for them to send me the name of the person they verified the information with and I was told I could not receive the information. I am a victim of ID theft and provided the proper information and I am filing a complaint due to the credit bureau not acting according to the Fair Credit Reporting Act. I request that the following inquires and bankruptcies be removed from my account immediately or the bureau provide me with a copy of the credit application, showing my signature authorizing the creditor to access my credit. 
Inquiries : 1. XXXX inquiry XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX   XXXX XX/XX/XXXX 5. XXXX-XX/XX/XXXX 6. XXXX-XX/XX/XXXX 7. XXXX XXXX-XX/XX/XXXX 8.  XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11.  XXXX-XX/XX/XXXX 12. XXXX ToXXXX XXXX-XX/XX/XXXX 13. XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX-XX/XX/XXXX 15. XXXX-XX/XX/XXXX 16. XXXX XXXX-XX/XX/XXXX17. XXXX XXXX-XX/XX/XXXX 18.  XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX-1XX/XX/XXXX 20. XXXX XXXX-XX/XX/XXXX 21. XXXX XXXX    XXXX-XX/XX/XXXX 22.XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 23. XXXX-10XX/XX/XXXX 24. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 25. XXXX- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Accounts : 1. Bankruptcy-ref XXXX-XX/XX/XXXX 2. Bankruptcy-ref XXXX-XX/XX/XXXX
Product: Debt collection

I don't recall having a contractual relationship with this PLAZA SERVICES Account Number XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I processed a check online chase.com for {$1200.00} to XXXX XXXX for my aunt 's board and care. On XX/XX/XXXX, I found out that, not only had n't she been there in 3 months, but now it appears she 'll never be returning. I went to online payment activity, but it was too late to cancel the payment [ they send a paper check through the mail ; it usually arrives within 7 days of the date processed ]. So on XX/XX/XXXX, I placed a Stop Payment order. They promptly charged me {$25.00}, which is high but I figured it was better than losing the entire {$1200.00}. Imagine my surprised when they did n't credit my account for the payment in question. But what really angered me was their response to my inquiry : Payee name : XXXX XXXX Payment amount : {$1200.00} Send On date : XX/XX/XXXX Check number : XXXX Date check presented for payment : XX/XX/XXXX We 'd like to clarify that the stop payment placed online is for physical checks only that you issued that 's why the payment was processed. 

Unfortunately, we ca n't reverse this payment or place a stop payment because the payee already processed it. 
Please contact the payee to request a refund or adjustment. 

You can get proof of payment that provides details about any online payment sent by our Online Bill Pay service. If we sent a paper check for the payment, the proof of payment will include a copy of the front and back of the check. 

Here 's how to view proof of payments online using chase.com : 1. Choose " Pay & transfer '' along the top of the page, then " Pay bills. '' - You can also open the side menu, the three horizontal lines in the top-left corner, and select " Pay & transfer, '' then " Pay bills. '' 2. Choose "  Payment activity '' from the menu. 

3. Find the payment you want to see and then choose " See details. '' 4. Choose " Proof of Payment '' to view and print the proof of payment document. 

You ca n't view your proof of payment from the Chase Mobile ( R ) app ( 1 ). 

We value our relationship with you and thank you for choosing Chase. Please contact us anytime you need assistance. 

Help!!
Product: Credit card

Constantly I am being denied any type of account with citi bank. I was removed off my boyfriends account because they said I was identified as someone taken no longer service. I am being targeted or flagged with citi bank.
Product: Checking or savings account

I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The XXXX transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. Until today XX/XX/XXXX, I still don't receive any of funds back.This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX, I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. Information about the Transactions and the Relationships between each Lender and myself the consumer has been shared with 3rd parties ( Credit Bureaus ) without my consent. 15U.S.C. 1881a ( 2 ) ( A ) ( i ) ( B ) My right to OPT OUT of sharing personal information was Never conspicuously explained to me in the INITIAL Contract agreement. As per 15U.S.C.1681a4 Violation of 15U.S.C. 1581C ; PERMISSIBLE PURPOSE has occurred with each company I have and am currently dealing with. I have resended my consent and have OPTED OUT of 3rd party sharing, as is my RIGHT TO PRIVACY.

Violation of 15U.S.C.6802 OBLIGATIONS concerning Disclosure of Personal Information is occurring as well as TX Law 4848 Stat 112 CIVIL NONCOMPLIANCE. 
I have sent letters to each company and the Credit Bureaus and some of the companies with little to no results. I have included an affidavit from XXXX with each company and a Police report file number.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These unauthorized entries have significantly disrupted my life, causing substantial stress. I want to reaffirm that I never gave permission for this information to be associated with my name, as I am a victim of identity theft.
Product: Debt collection

I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/XXXX Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX PD N.E. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX PD would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/XXXX I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/XXXX and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.
Product: Checking or savings account

Have issues paying online resulting in high late fees. High checking account fees.
Product: Debt collection

I never opened this account. I don't know what it is. It appears to be a charge card. If it is it was opened fraudulently in my name. If they have my social security number I do not know how they got it. They are listed on my credit report in two different accounts with the same balance. It seems very odd. It says it is an online marketing company and that I owe {$710.00}. It says it was opened in XX/XX/2015. I've never purchased or received merchandise from this company. This must be a fraudulent account. I would like the company to either prove it was me that opened this charge account or please have it removed from my credit report. As it is negatively affecting my credit.
Product: Credit card or prepaid card

I received notification on XX/XX/XXXX that there was an inquiry to my credit today. I received this information through the alerts I have set on XXXX XXXX, Capital One, and XXXX. I presumed it was for an automatic credit line increase, thus I ignored it for the time being. However, I missed a call from an 800 number. The voicemail left stated they were calling from the Capital One application fraud department, and needed to speak to me. I called Capital One directly, and they didn't show an application in my name. However, I did call that number that called me back, and they had the same voice prompts and hold music. I did not give any personal information to this person, just in case. They had all of my information which they stated was used to apply for this card, which was done online on XX/XX/XXXX. They have cancelled the application. I have since frozen my credit with all 3 bureaus.
Product: Credit card or prepaid card

To whom it may concern : I have just been advised ( XX/XX/XXXX ) that there has been monthly negative activity on my credit report from CitiCards. This was brought to my attention when reviewing credit for a new home loan. Upon contacting Citicards today ( XX/XX/XXXX ) I was informed that this is stemming from XXXX, XXXX, when the account was closed. Since then they have been billing me monthly late payment charges and interest. During this time they admitted they have not attempted to contact me once. No emails, regular mail or voice mail. Nothing. 

For 27 months they have been charging me and negatively impacting my credit. I do not believe this meets the standards of transparent disclosures under the Credit Card Act of XXXX, and surely does not meet the standards of fair and transparent conduct. When attempting to gain more information on this issue they have informed me that I can not call, email or send certified mail to anyone but instead can only fax ( yes, fax, and it's XXXX! ) a request to dispute. 

So, to summarize ; no communication for 27 months, no attempt to resolve the issue, no disclosures, and now no intent to work with me to resolve the issue. 

Please advise at your earliest convenience on the appropriate course of action. I have requested that Citicards send me a statement and full disclosure on all monthly charges and fees over the entire period. 

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

I have sent over 12 dispute letters to all 3 credit Bureaus Experian, XXXX and XXXX since XX/XX/scrub> 2023. They have only responded with letters saying i did not send them. I have tried to speak to them over the phone but tell me i need to mail in or fax letters. I have for over a year and the refuse to respond or fix the issue. I have asked them for validation and do not respond. 

there for I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

Please see the attached letter below, as there are unrecognized and unauthorized inquiries on my report.
Product: Credit reporting or other personal consumer reports

After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for VOD none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance
Product: Debt collection

I had a XXXX month subscription to XXXX. The subscription was reasonable, I used XXXX to pay it. But I didn't have any luck. It's a terrible app. I Lost interest and let it lapse The next month I noticed a 400 % balloon payment on my XXXX account ( which was paid BTW ) and so I promptly put a stop payment on the account and deleted the account. A few months later I receive a phone call from a debt collections agency called XXXX telling me I owe them {$400.00}. I panicked, I flip out. I have a mortgage. I can't afford to pay that I'm already strapped because of the holidays. I'm just a XXXX XXXX XXXX XXXX I don't have a lot of money. I've worked hard for what I have and the credit rating that comes with it. I try to access the old account and I can't because it doesn't exist any longer. I send an email to support. They tell me it doesn't matter if I deleted it I didn't cancel the subscription. That they sent two emails ( That I never saw, Probably ended up in junk ) and now I owe them for services rendered. How can I receive said services with no account? This is a criminal operation preying on lonely people like myself and I refuse to allow them to extort me. My next step is small claims court.