23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Ordered a air fryer via XXXX Order number XXXX Total price - {$54.00} Says delivered XX/XX/24 @ XXXX XXXX  Ive been trying to contact XXXX for almost a week now because I wasnt home for the whole week of XX/XX/24. Upon returning to my place, there was nothing. I asked my neighbors and the building management if they or if they know anyone that received anything for me. Everyone that I asked, their reply was no. XXXX tracking doesnt state the name of the shipper. The only thing that it says is delivered XXXX @ XXXX XXXX. Last time I checked XXXX XXXX is a pretty big place. No signature verification. Im not aware if a picture was taken by the shipping company but the last time I checked in this country, when anyone buys anything online, a direct withdrawal of funds is taken. I never understand when a shipper takes a picture of any package in front of your door because when I pay in a store, as soon as I give payment, the item/s that are bought by myself are given to me in my hand in exchange for funds. Am I mistaken that when I buy anything online, it is the responsibility of whoever I buy from and the shipping company to get the items in my hands? A picture is a picture but it doesnt prove that I received any product that I paid for. In addition mistakes happen and when you dont get the items in my hands, how can you, me or anyone else be sure without a shadow of a doubt that the item/s were delivered to the correct address. How can you, I or anyone else be sure without a shadow of a doubt that the item/s werent stolen from my front door? Nothing can be without a shadow of a doubt. What is without a shadow of a doubt is that I never received the air fryer that I ordered. I am also aware that it is the week of XXXX but totally ignoring a consumer as XXXX is doing is unacceptable. Being XXXX is just ignoring me, I was forced to buy the airfryer in person and therefore want a full refund for the card used for the purchase. I want to thank you in advance for your help.
Product: Credit card or prepaid card

I applied for the citi thank you premier card on XX/XX/XXXX. I received the card in the mail and activated it, but within a week a fraud hold was placed on the account and the card was locked ( but not closed -- just made unusable ). I did not even have an opportunity to use the card for a single purchase before this hold was placed on the account. I called the number on the back of the card, and was transferred to the XXXX XXXX XXXX department, and they informed me that they needed me to fill out an identity verification form and return it so that the hold could be removed. I received the form in the mail, filled it out, returned ALL pages and a copy of my social security card, and waited. I regularly checked my account but understood that the documents may take a little time to process, but after ample time, the hold still was not removed. I called again and was informed that they received my documents but did not receive the " second page '' ( the second page refers to pg. 2 of the identity verification form, it is nearly blank form that has a few sentences on it that are continued from the first page, but there is no information for me to fill out on pg 2 ). I said " ok '', and they said they would send another form and to send it back. I did so, being 100 % certain that all pages were included and sent it in again with my social security card copy. I waited and the account remained locked. I called in, and again they said they had not received all pages. I told them that I was certain I sent everything in. They requested I send everything in again. I completed this process a total of 3 or 4 times over the course of 4 months, and it still remains unresolved. Today ( XX/XX/XXXX ) I called citi, was transferred again to XXXX XXXX XXXX, they are again requesting that I send in the form and documents. I asked to speak to a supervisor, who said they cant do anything with the account until the forms are received. I requested to close the account, and they said they are not able to. This is absolutely ridiculous. I am stuck in some kind of vicious cycle with Citi, my account is incapable of being closed, my sensitive personal documents have been lost, mishandled, disappeared or some combination of all those things. They refuse to let me talk to someone who can even close an account that I wish to no longer have open and the only option I am given is to keep sending my personal info ( including copy of social security card ) to this department that has shown it can not handle the information and can not resolve the issue. 

Not only am I worried about this particular account, but I am concerned about my personal and confidential identity information being compromised, because the sensitive documents I have sent in multiple times have been so severely mishandled.
Product: Credit card or prepaid card

My father passed away. I notified XXXX XXXX of his death on XX/XX/2018. They said wait 30 days for information and that his account would be frozen. The exact balance was unknown to us at the time but was likely {$200.00}, it is now a month later and the balance is {$420.00}. They charged the account a late fee and interest and refuse to remove it even though they admit it shouldnt of happened and that it should of been frozen back on XX/XX/XXXX. I was never provided a balance payment even though I gave them new contact info. This is a violation of the card act. 

As insult, a supervisor said something to the effect who cares if hes charged fees or interest, hes dead and you dont need to pay it off. I dont think he understood how disrespectful that is and that it offered no comfort as we have to close the estate. I dealt with employee XXXX They told me to write a letter to the company to disput policy, but gave me no specific contact info. 

They wont let me access or pay the account in the meantime as Im not an account holder. 
Please help, this is making me sick.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX Castiglione filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged. 

I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name. 

I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments. XXXX XXXX, ID theft, FCRA willful violations. Nonconsensual trafficking of my nonpublic information used for defamatory purposes for their monetary gain. Colony Brands has no authority to furnish and is furnishing years past its legal limitations.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for the total price per contract of {$38000.00}. My contract was for a period of 72 months. My contract is set to end XX/XX/XXXX. Over the years I have paid a total of {$41000.00}, this amount has included every payments made through out the years. A couple of months I noticed my payoff was increasing from one day to another. With all the extra payments made this vehicle should have been paid off, instead Hyundai Finance has continued to bill me and I have not received my title. I have been contacting the for several months and still the matter has not been resolved. I would gladly submit any proof of all payments if requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint # XXXX ) about inaccurate information on my credit report for Possible finance. Despite multiple attempts to resolve this, there are still negative remarks on my XXXX report, last updated in XX/XX/XXXX, and my XXXX report, last updated in XX/XX/XXXX. I am requesting the removal of all negative remarks from this paid account, as this issue persists since last year. I've attached the latest credit report and proof that the account was paid.
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 XXXX XXXX {$56000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$770.00} XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24.00} 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: Mortgage

On XXXX/XXXX/17 I submitted a workout package to be review for a modification loan. I received a letter from my lender ( NationStar Mortgage ) advising I was denied because they could not set me with an affordable payment. In the letter is does not state if my income was high or low, when I submitted with workout package I never received a letter stating they received my documents and that the file was in review or any document pertaining to my modification. A few days ago I received the denial letter, I 'm not happy with the outcome because they are not specifying why I did not qualify. I called today the lender and the representative told me that they reviewed me for a Flex Modification but I did not qualify because they could not give me an affordable payment. I asked her if they do the review in base of my income and she said NO, so how do they get to the conclusion I did not qualify. I asked her to explain and she was not able to give a reasonable explanation. I am demanding a real explanation, not just I did not qualify
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$39000.00}
Product: Credit reporting or other personal consumer reports

I BECAME A VICTIM OF IDENTITY THEFT AND I WENT THRU THE PROPER CHANNELS AND GAVE THE PROPER DOCUMENTS TO PROVE THAT I AM A VICTIM OF FRAUD AND I REQUESTED THEM TO BLOCK THE ACCOUNTS. THEY REFUSE TO BLOCK THE FRAUD ACCOUNTS, AS IF SOMEONE WONT STILL YOUR IDENTITY AND TREAT IT AS IF ITS THERES AND PAY THE BILLS TO GET MORE CREDIT. IDENTITY THEFT IS ALMOST THE HIGHEST CRIME IN AMERICA BUT THESE CREDIT BUREAUS DONT TREAT EVERYBODY THE SAME, ESPICIALLY IF I QUALIFY THRU THE LAW, THEY ARE VIOLATING THE LAW. SO THEY TOLD ME THEY WASNT BLOCKING, I REQUESTED METHOD OF VERIFICATION TWICE. AND THEY HAD DID A REINVESTIGATION WHICH THE CREDITORS ALWAYS SAY ITS YOU, SO THEY CAME BACK AS ITS ME AND ITS 100 % ACCURATE, I ASK FOR METHOD OF VERIFCIATION AND THEN I ALSO LOOK AT THE ACCOUNTS I DISPUTED AND CLAIM AS FRAUD. I ALSO ASK HOW DID THEY VERIFIED AND THEY REFUSED TO TELL ME AND THEY Say that the laws in the fair credit reporting act laws forces them not to tell me. which is not true.
Product: Credit reporting

have made XXXX 8 month payment on time and refused to removed potentially negative on a active account. XXXX I did a them modified my loan my of last years and for XXXX, XXXX and XXXX 2015 i did trial period payment of around XXXX each. My payment after trail period is XXXX on my credit report its shows XXXX 30 days pass due. XXXX shows 60 days pass due, XXXX shows 60 days pass due.That 's were the credit reporting company are showing me pass due .please make them correct this.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. Upon careful examination, I noticed several credit inquiries that are not mine, and I did not authorize these inquiries. 

Below, I have listed the unauthorized credit inquiries along with the respective dates : 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 I am deeply concerned about the potential impact these unauthorized inquiries may have on my credit score and financial well-being. I kindly request your assistance in investigating and resolving this matter promptly. If there are any additional steps or information required from my end, please let me know, and I will provide the necessary details to aid in the investigation. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring the integrity and accuracy of consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


Experian XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Product: Debt collection

I do not owe Bank of The West any money and I did not settle any debts for less than the amount owed.
Product: Checking or savings account

Had direct deposit to my account but Wells Fargo withheld deposit and cashed out payments before release my deposit. Creating a over draft. They done this many many times
Product: Debt collection

Left XXXX XXXX to go to XXXX XXXX but made sure had XXXX balance before I transferred - knew there would be early termination fees. Contacted XXXX told them I was switching but when I got the ETF payment from XXXX XXXX would pay them to be in good standing. Switched and received bill from XXXX showing ETFS and outstanding amount - called and was told there was outstanding amount, we argued and I said I was told XXXX balance when I switched. Received ETF payment and contacted XXXX - spoke to billing/payment arrangements and told them I had the XXXX plus in ETF fees to pay but that I was not paying what they showed as outstanding because I was told I had XXXX balance. The person I spoke to said well if you can pay x amount you will have a XXXX balance and be in good standing. We set up weekly payments for XXXX weeks ( ca n't recall without looking at my bank statements ) and was told that this would clear any remaining balance and NOTHING WOULD BE REPORTED IN ANY WAY AS NEGATIVE, because I would be in good standing. I agreed to this and made all the payments required and the week of the last payment received a Debt Collection Letter - contacted XXXX and they kept putting me over to the in house debt collection - and this went on and on for a few days and they verified the payments but said they could n't undue what was submitted and it had to be XXXX to pull the account back. I filed a complaint with the FTC because they lied and reported it and now I have this negative on my credit report which I am trying to build up. Just this morning received another call from a company called Chase Receivables and I informed her that this is a XXXX debt and as such should not be on my credit report or for that matter being attempted to collect. XXXX is responsible for their employees actions and she messed up royally and now my credit has been negative impacted and I want it cleared up. This should be reflected as paid in full and removed from my report. I also feel they should give back the ETF fees of XXXX since that is highly criminal to charge that amount to leave a stupid phone company. I would not have paid the ETFs if I knew they would do this.
Product: Credit reporting or other personal consumer reports

Delete hard inquires bureau - XXXXXXXX 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  XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I chatted and called Huntington to close my business checking account. I am currently staying overseas, but they kept saying I had to visit a branch to close the account. I have already emptied out my account and would like to get it closed before any maintenance fee is charged.