23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received a letter from Citizens One Personal Loans dated XX/XX/2021. The letter was addressed to my maiden name and my physical address, not my current name and mailing address. The letter reads : " We have not received your monthly payment or {$450.00} that was due on XX/XX/2021 on your Citizens One account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or to update your payment information. We are available 24 hours a day, 7days a week. 
Thank you for your business and your prompt attention to this matter. 
Sincerely, Citizens One Important Notice : We may report information about your account to credit reporting agencies. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report. '' I do not have an account with Citizens One. I checked my credit report immediately to make sure that Citizens One is not showing on it. 

I attempted to call the number listed in the letter and got a recording stating " if you received a letter concerning a late payment that you believe to be in error, no further action is needed '' and then asked me to stay on the line to speak to someone about existing accounts. I was on hold for a very long time and was never connected to a representative. I attempted the call several more times, again staying on hold for a very long time and never being connected. I then went to the website listed, which is only a login page for accounts that states " Our eCustomer Services portal is available for you 24/7. '' but there is no eCustomer Services portal link available ( unless that login page is it ). I went to the main Citizens One website, as well as their parent website ( Citizens Bank ) and found no information pertaining to letters being sent in error. 

I went to Citizens One XXXX page and found other people complaining about receiving the same letter and not being able to get through to any representatives. 

Further action IS needed. Was there a data breach? Has their system been hacked? Did someone take out an account in my name? We, as consumers, need more information than just " no further action is needed ''. We need to be aware of any issues that could lead to our data being compromised so that we can take the proper steps to protect ourselves.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I'm reaching out once again to address my confusion regarding how your credit bureau has handled the investigation into the fraudulent account on my credit report. 

Furthermore, I've directly contacted the company associated with this account, and they confirmed the removal. So, I'm puzzled as to why your bureau is still reporting this account. 

It's crucial to acknowledge that as a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also puts me at risk of further harm. I've already submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records : XXXX - XXXX XXXX  XXXX.
Product: Debt collection

as of XX/XX/year> when i pulled my credit report for equifax, debt collection account " XXXX XXXX XXXX '' was closed. as of XX/XX/year> the account just happens to be open again. i believe that someone has messed up and verify and ensure the account is being reported 100 % accurate and if not to be removed from my credit report
Product: Prepaid card

Vanilla Visa cards advertise they can be used online or anywhere. This is not the case. I've tried several places and my card keeps getting declined even though it says I have the balance. I believe this is a bait and switch. Hoping you give up on trying to spend your own money and keep it seems to be their plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report The 3 credit bureaus must validate this account : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I sold my car to XXXX XXXX they took care of paying global lending for the car and it appears on my credit report that I stopped paying for it! you have to update that global lending information
Product: Checking or savings account

Company over charge me for overdrawn transactions and have expensive fees that are not being disclosed properly to their customers. They are basically scamming people with their overdraft fees and not letting you know and making sure than your aware.Also, my statements are not accurate they are showing transaction out of order for confuse customer and take advantage.the picture uploaded shows a rebate for fees they know they are wrongfully charging.
Product: Mortgage

I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. 
Also Ck # XXXX was a Full Settlement Check I never received copies of. 
Violating TILA and RESPA
Product: Credit reporting or other personal consumer reports

On XX/XX/year> somebody made a hard credit inquiry for a capital one credit card on my name, I've never applied for a credit card so I called XXXX and XXXX and they both told me I need to file a report with ftc or police to do anything about it, I called capital one on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called capital one again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous
Product: Checking or savings account

Between XX/XX/XXXX XXXX and XX/XX/year>, six electronic funds transfers were made from my savings account with the Chase Bank to a business named XXXX XXXX  each amounting to exactly {$1900.00}, and each time the name changing slightly, such as XXXX XXXX XXXX XXXX etc. I was made aware of these transfers only because the transaction on XX/XX/XXXX was unsuccessful due to the account being closed before the transfer happened. I called the bank as soon as I got the email notification, telling them that I did not initiated these transactions. They were able to reverse only the the last two transfers. Initially they were willing to credit my account with all six transfers. Subsequently they sent me a letter claiming that the transactions were processed according to the information provided or were authorized. Thus I have lost the money from the four transactions totaling {$7600.00}.

I contended that their security measures are inadequate and allow such obviously fraudulent transactions to go through. I think my online credentials have been stolen since there was another attempt in my XXXX XXXX account but it was stopped by the security measures there. I attach the police report I filed, the Chase Bank Statement and their letter.
Product: Credit card

I applied for a Citi XXXX XXXX credit card in order to achieve a XXXX point sign up bonus after spending {$4000.00} in 3 months. I exceeded the required spending amount well before the 3 month threshold. The application was done through an advertisement on my Citi account member overview page. I fulfilled the requirements, but was not granted the bonus. I called to investigate and was told that I am not eligible for a bonus since I received a bonus for another Citi credit card ( not a XXXX XXXX ) within the last 48 months. I informed them that I did not see this information at any time during my application for the card, and I should not be advertised an offer through my own personal Citi login for which I am not eligible. Further review of the " fine print '' for a new application does NOT state any 48 month bonus eligibility period/restriction. They were unable or unwilling to provide the rewards points I earned, an equivalent value statement credit, or offer any other resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX.Wells Fargo place an inquirer on my Credit report early warning.Ive never had an account with them, this is inaccurate & unverified information I have no knowledge of this, its very unfair I do not owe them any money nor was i notified and it is hindering me.they are stating they didnt have the last XXXX digits of my social security number and that they didnt receive a copy of my early warning to see the inquiry they are also asking for an account number when I clearly stated Ive never had a account with Wells Fargo nor have I tried to I do not know why this inquiry is on my consumer report Never step foot inside of a Wells Fargo bank a day in my life they sent me a letter in the mail about a week ago stating they were working on things they never asked me to call them they never asked for my social nor did they ask for a copy that shows the inquiry on my financial consumer report so their response is very untrue and I have the letter that they milk for me on XX/XX/2022 And I clearly stated that it was an inquiry with the first complaint that I made so their response Has nothing to do with my complaint I uploaded a copy of the letter they sent me to prove they never asked me for any more information I also reached out about the other inquiry on my financial consumer report
Product: Money transfer, virtual currency, or money service

I cashapp a famous rapper after chatting wit him via XXXX on his. verified account so I know it was real. I sent him XXXX for a feature that he failed to complete. I asked him for the money back multiple times and he denied it. I went though cashapp and notified them that I never received my service that I payed for and all they could do was tell me to request a refund. I did and the seller denied it. then they told me to call my bank to dispute the charge which I did and my bank told me to contact cash app. I still never recieved my money back nor did I receive my service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) assumed my home equity loan from XXXX  XXXX XXXX in XX/XX/XXXX. I received no written notification that this had occurred, which from what I have read is required by law at least 15 days prior to my loan being sold. I applied for a new loan with XXXX XXXX  in XXXX to pay off this loan after reading the reviews of XXXX. I was to sign the papers for this loan today ( XX/XX/XXXX ). However, I received a phone call from an officer at XXXX XXXX  facilitating my loan today in which he stated XXXX had filed an additional complaint to the credit reporting agencies, today, saying I was 120 days delinquent. I didn't find out until XXXX XXXX  XXXX XXXX had sold my loan when I went in and spoke to an officer and was informed by him that that was what happened. I was told by him they had mailed a notification of this to the address I lived at when I took out the loan. I haven't lived there for 12 years and they have all my current address and telephone information because I still bank with them. So is XXXX  XXXX XXXX 's incompetence my fault? 

I didn't make payments from XXXX to XXXX because I had no idea where to make a payment. Yes, I should have gone to XXXX  XXXX XXXX when that loan disappeared from my accounts. My bad. However, XXXX  during that time period made no attempt to contact me and they can't say they couldn't get my current address and phone number from XXXX  XXXX XXXX. There are no other companies - mobile phone, power, water, etc ... that wouldn't notify you if you were past due on a bill after a month. This was done deliberately by them, of this I have no doubt, in the hopes they would be able to foreclose on my house. 

As soon as I did contact XXXX  I brought my account up to date. They then told me my XXXX payment was for the amount of {$740.00}. My loan was converted to a fixed rate option in XX/XX/XXXX. My payments are {$460.00} per month. By telling me that's what my payment was they committed fraud. A lawyer told me they can't increase my payments and I pay my taxes and insurance myself. As I far as I'm concerned they owe me {$280.00}. And I was told by representative of XXXX  that my XXXX payment and all after were going to increase to approximately {$810.00} no explanation as to why. 

I want the 120 day delinquency removed from my credit report because they broke the law by not sending me written notification, to my current address, that they had assumed my loan in XX/XX/XXXX. I want this done so I can secure a new loan with an honest bank in order to pay them off and get out from being under them. I had never missed a payment until they took this over and I wouldn't have if I had known who to whom to make a payment. XXXX  is company run by low lifes who profit off other peoples misery ( please read the reviews online, that is if you have a strong stomach ). Hence, the over 600 complaints to the XXXX XXXX XXXX in one year and over 2,000 to the CFPB. XXXX XXXX XXXX should be the poster child for corporate greed in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to GMFNANCIAL, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

I purchased a netSpend VISA card for {$350.00} from a local store to use for a single online purchase for a merchant who doesn't take XXXX. Tried to activate it and was told they wanted more information, including photos of my driver 's license and a utility bill to be sent over unsecure email connection to XXXX or XXXX somewhere ... I did that, grudgingly, after they said the card was unusable unless I did. None of these requirements were listed on the external packaging, but were apparent only AFTER purchase. A few hours later, they demanded a photo of my original social security card ( they'd already asked for the number, which I provided ). When I got suspicious and wary of sending those items online in what was starting to look like an identity theft attempt, they refused to activate the card and told me I'd have to return to the store for a refund. I contacted the store who said that netSpend was lying, that they could not do refunds on the cards and netSpend knows this, and it is even printed on the receipt. I relayed this to netSpend who then said they could activate the card for in-person purchases only ( which defeated the ENTIRE purpose of purchasing the card and made it useless ) or I could pay them another {$5.00} and they might return my money in 10-20 days. I told them to close the account and return my money ... which I will probably never see. I then looked at the XXXX ratings and realized I'm the latest of a long list of people who have had their money taken with no recourse. Something needs to be done about netSpend and the stores who sell them.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/2021, purchase of XXXX  Coins to add to my existing Bitcoins portfolio including cash. 

When I checked my portfolio balance in the morning of XX/XX/XXXX my account / Portfolio balance was {$0.00} had a zero balance. 

No Coins. No money left in my account. No transaction history to show where the money went. 

I have proof of previous balance and purchase ( s ). 

Where did my assets go?
Product: Credit reporting or other personal consumer reports

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Product: Credit reporting or other personal consumer reports

I received a declination notice from XXXX  XXXX XXXX regarding an attempt to open an account on XX/XX/year>. I did not submit this request. On XX/XX/year> I proceeded with putting a fraud alert on my credit report. On XX/XX/year> I got a notification from XXXX stating that there was a hard inquiry on my credit report from Capital One. I did not submit anything with Capital One.
Product: Debt collection

3 years ago we moved and our final bill was paid to XXXX. A few months later I received a bill from a collection agency in the amount of {$280.00} on behalf of XXXX. I immediately contacted them and told them I paid this to XXXX. Back and forth between them and XXXX, XXXX states they did not receive my last payment. At that point I paid this to XXXX XXXX XXXX. It is still showing as a collection account and the terms are showing one month. My wife keeps calling this company asking them to remove this and they keep shutting her down and stating you knew you were calling a collection agency and you paid a collection agency! We paid it because we had no choice because XXXX asked us to. My wife was told this account was not being reported because it was less than a month. We paid this account immediately when we found this error. This is hindering my ability to obtain a mortgage all over {$280.00}! I need this removed and I can not get anywhere with this company. They are ignorant and treat my wife like she is a low life who does not pay the bills. I do not have any other negative information on my credit report but this. It has been 3 years and they are still reporting negative information all for {$280.00} that was paid immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 sets of the same exact late payments reporting twice of my credit report
Product: Credit card or prepaid card

I have repeatedly called us direct express by comerica Bank that I get my social security benefits deposited on to over the past XXXX weeks approximately XXXX times to get info on transactions but get message to call back later. A live person has not once answered the phone. The login I used to use to print my own statements says it is no longer available. I am applying for financial assistance for medical bills and will be denied unless I have these statements causing me financial harm. I need XXXX and XX/XX/2022 statements immediately. I called web support XXXX days ago and was advised that on their new app u can not get statements.