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

I filed a complaint about Citi bank credit card, complaint XXXX, it was close by Citibank without me ( the consumer to explain his side of the story. I received two letter from Citibank XXXX XXXX ( Executive Response unit ) XXXX I have been calling once a week for over two months with no return call. Telling again that Big Banks run the world and the consumer are just victims As a Veteran and Senior I am very sorry I fought for the United States to be free and have freedom
Product: Checking or savings account

I recently opened the online savings account with XXXX XXXX. They were not allowing me to move my money out of the savings account, holding my fund hostage. I then spoke to the representative, who said that it is the customary protocol and the 60 days hold will be lifted when I submit the bank statement verifying the source of the fund is mine. After sending over the paperwork for more than 4 days, I did not get an automatic call back. I then called the company again and the representative mentioned that the company 's fraud department determined that there is red flags exist in my account, and yet no mentioning of what the red flag is, and I have no phone number to appeal and no supervisor is willing to explain to me the problem. Placing a 60 days restrictive hold is unreasonable and unheard of and basically for me to lend the company free money for the 60 days. I would like to agency to investigate this practice as I am in dire need of using the money and I only came across this hold after my money is transferred to the bank account.
Product: Credit card

I had purchased a copy of my credit report about 3 months ago and noticed an account from a company by name of capital one that did not belong to me. I immediately contacted the credit bureaus and notified them and had done ftc report and did an identity theft. as of this date capital one has not done anything to resolve my issue, that 's why I am here.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage from XXXX XXXX  company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.
Product: Checking or savings account

I was targeted by a job phishing scam. I was sent a check to purchase work equipment, deposited the check at my banks teller window, and the next day was instructed to purchase my work equipment. This check did not undergo the banks mandated waiting period to verify that it was real, and as such, the scammers were able to convince me to send them {$7000.00} out of the {$7300.00} fake check. As per company policy, that check should have undergone a wait period of no less than 7 days to verify its validity and payment from the checks bank information. This policy was not followed, as the funds were available the very next day, leading me to believe the check had already been processed properly and that the bank had already received money from the other financial institution. The bank is now in breach of contract. My bank is now attempting to charge me for the full amount of the scammed money. My bank is also completely denying all liability even though they failed to follow their own policies, and if they had properly followed their own policies this whole incident would have been avoided in the first place.
Product: Credit card

Discover advertised a free {$100.00} XXXX gift card, if you apply for Discover 's " It '' card and make {$500.00} in purchases in the first 3 months. I fulfilled these conditions as of XX/XX/XXXX, but never received the promised {$100.00} XXXX gift card. I made follow-up inquiries to Discover officials XXXX XXXX, XXXX XXXX & XXXX XXXX, which were ignored. On XXXX XXXX, I called XXXX XXXX office. They referred me to XXXX XXXX in the Executive Office. I had to follow up XXXX with XXXX to get a response. On XXXX XXXX, XXXX said I had not applied for the {$100.00} XXXX gift card, but offered me a {$50.00} credit on my credit card account " as a courtesy ''. On XXXX XXXX, I wrote to XXXX & documented that I had applied for the " It '' card & the XXXX gift card. Discover did not respond for a month. I had to follow up XXXX times by phone & email on XXXX XXXX & XXXX. On XXXX XXXX, XXXX offered me a XXXX {$50.00} credit on my credit card account. Although Discover finally fulfilled its {$100.00} offer in my case, I had to waste many hours, getting them to honor their promise. The facts that ( a ) I had to make multiple follow-ups and ( b ) they issued statement credits instead of sending the promised {$100.00} XXXX gift card suggest to me that this was not a bona fide offer. XXXX web site contains numerous complaints from others who never received the gift card. I believe this deceptive offer violates the " Corrective Actions '' in FDIC 's & CFPB 's Consent Order with Discover on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  ( XXXX ) has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau TRANSUNION ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau TRANSUNION ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue. 

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

On XX/XX/2024 A dispute was submitted On XX/XX/2024 the dispute was received but I never received a " prompt notice '' via mail per my request that the account under dispute was received and description of reinvestigation via mail no later than the 5th business day after receiving my dispute request the following FCRA violations have occurred and I am demanding deletion of accounts under dispute for failure to comply with dispute procedures, nor was I given any results to any completed reinvestigation decision failure to send prompt notice within the 5th day of receiving dispute notice 15 U.S Code1681i ( 2 ) ( A ) prompt notice of dispute failed to provide me of description of determination completed results within the 5 business day period after the completion of reinvestigation via mail per my request 15 U.S Code 1681i ( 6 ) ( 7 )
Product: Credit reporting or other personal consumer reports

I called the following companies on my report Elan Financial and XXXX XXXX regarding inquires on my report. I told them I never applied for credit and this was fraud. They told me to call the credit bureau to get them removed. I called XXXX and told them about my identity fraud situation and sent them over a police report and FTC reports, its been over a month now. They told me it would be removed within 24-48 hours but they are still on my report.
Product: Debt collection

I was notified by XXXX XXXX XXXX, XXXX. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX XXXX which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX XXXX XXXX. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as 100 % XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
Product: Credit card or prepaid card

AFFIRM - I had automatic payments and it was set up on their app, but something was technically wrong with their app and they do not have a live customer service so I had to email them for months because nothing changed on my end - My bank account has been the same for 10 years, but every time the automatic payment was processed their app would not process it and they reported it to all three credit bureaus as a delinquent loan, I tried getting a Live person but I couldnt so after emailing back-and-forth for months someone responded and said that they reported everything correctly because my payment didnt go through rather than focus on the fact that nothing had changed on my end my bank account till this day is still the same and there isnt any charges for insufficient funds. It was just that their app could not process the payment due to some sort of technical issue on their end.
Product: Money transfer, virtual currency, or money service

After more than 1 year of communication, Paypal did not process the account. Since the last time I complained to your platform, processing number XXXX paypal has only begun to address the issue and resolved it quickly. I was unable to access my funds for over 1 year, yet Paypal chose to continue to freeze the account for 120 days as a punishment. Now that the freeze has been lifted, there are still hurdles that make withdrawing funds a hassle. First, it does not allow me to correct my username, so I can not withdraw funds through a third-party real-name tool. Secondly, if I am restricted from using my account and am allowed to withdraw funds, why does it require a credit card to be tied to my account? 

Since all previous complaint messages seem to have disappeared into the app, and since it is now impossible to contact Paypal through convenient channels, including twitter, which used to be able to contact Paypal, I have no choice but to file a complaint with your platform again. 

Account email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number : XXXX XXXX XXXX Account Number

: XXXX, has violated 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
Product: Credit card or prepaid card

On XX/XX/2022 I received a letter in the mail that I missed one or more payments. The problem is I haven't received a bill in the mail within the last six months for this particular card. I paid the balance down beneath the credit line months ago and no bill ever showed up, now it has skyrocket over the credit limit. I would like the company to consider identity theft that is currently pending at a XXXX Police station here in Wisconsin.
Product: Money transfer, virtual currency, or money service

I tried several times to solve a problem with the support in adding my bank account, all attempts were requested by the support that contacted me, and for some unknown reason blocked permanently my account, locking my emails and my bank account, I didn't have any answers as to why they did it being that i've always used the service normally and legally
Product: Credit reporting or other personal consumer reports

I submitted an application for housing to XXXX XXXX property management and was denied XXXX mins later with no explanation of why. If I have missing items XXXX submit those items. I paid an application fee of {$50.00} dollars and should be refunded if XXXX not approved. XXXX property management did the same exact thing when I submitted my application I was denied in XXXX mins after applying with them and paying a XXXX dollar application fee. I havent received a response from either company. XXXX applying for residency in XXXX Ohio.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

1. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX XXXX XXXX XXXX XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
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 Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

I Have been disputing LVNV FUNDING LLC on my credit profile because it was a result of identity theft and the charges are fraudulent. I DO NOT OWE NOR DID I HAVE ANY ACKNOWLEDGMENT OF THIS ACCOUNT. I have disputed with XXXX, XXXX & XXXX. Also On this account there is also Many inaccuracies as XXXX and XXXX are not saying the same information. I am distressed that LVNV FUNDING LLC has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit card or prepaid card

I pay my credit card on time every month on the date or before. When I call and try to make a payment on time the rep. states I owe from prior month and expect me to pay double! I then give the name I spoke to and my confirmation number.. rep proceeds to say YES it shown you made payment!? but did not go through?? I stated to rep I never receive a VOICEMAIL EVER but get harassed with a text XXXX weeks after I make payment and expected to pay double the flowing month! ridiculous!!! I spoke to a very nice gentleman and told him my situation and stated your information is all in the computer and payment went through when he puts it in. He then apologize and said this shouldn't be happening all those month and proceeded to put in a complaint in for me and I have NOT HEARD FROM ANYONE! so, I try to make a payment on XX/XX/XXXX at XXXX XXXX  Florida time and she informed me that I had an outstanding balance of XXXX! again, I gave the name of the person and confirmation number from XX/XX/XXXX and she stated clearly! " yes it shows you paid on time but did not go through! '' I asked to speak to a supervisor and she did NOT want to do so. I hung up phone. here are the names and confirmation numbers XX/XX/XXXX with XXXX XXXX XXXX ) XXXX with XXXX at XXXX XXXX. ( XXXX ) XX/XX/XXXX with XXXX at XXXX ( XXXX ) XXXX XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX paying XXXX with XXXX- XX/XX/XXXX XXXX ( XXXX ) FYI.. I am no longer with REGIONS which I have been for almost 20 year! I bank elsewhere. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a title installment loan from OneMain in XXXX and paid the loan off in XXXX. I contacted OneMain in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters via certified mail to XXXX XXXX, XXXX, Equifax and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, Equifax and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via Equifax last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until Equifax updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX  behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, Equifax and XXXX remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Product: Debt collection

I received a letter from Rausch Sturm about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from Rausch Sturm. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
Product: Checking or savings account

I have been charged over {$20000.00} in overdraft fees over the last 12 years and Synovus will not renew my line of credit under my wifes name. She has a XXXX XXXX XXXX score. My theory is that Synovus just wants to keep billing me {$36.00} for every overdraft. They have charged me {$6700.00} ( overdraft fees ) since XXXX of 2017 alone. I also have hundreds of emails with Synovus employees where they have approved my overdrafts but declined my request for a line of credit to cover the overdrafts. I have never missed a payment of my line of credit/installment loan.