23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received collections notices from them for charges that were fraudulent and not mine. Back on XX/XX/2022 I was a victim of identity theft. Someone Hacked into my email and my bank account, as far as I know no other accounts as of yet just those two and they made each transactions payments to XXXX XXXX. They used my information name, address and bank account to make these act payments. I immediately let my bank know via phone as soon as I saw the compromised activity, they immediately blocked the payments and did not pay out. I had to then go to branch and open new accounts and they suspend the other accounts to prevent more fraud and protect my money. I thought it was solved once I did that back in XX/XX/2022. I then received yesterday 6 notices with my apartment missing so it got to me late from TRS Recovery services, letting me know that I owe all this money for lyft. The letter states I can call, mail or fax or process a fraud dispute online. So I called them, spoke to several representatives that let me know I can process the dispute online. I went online and the site was asking for my social, date of birth and drivers license. I don't know why that was necessary. I told them I would fax my information over with proof from the bank that it was fraud charge and not paid. I explained over the phone to them I was doing this and said it would take 30 days. This incident happened on XX/XX/2022 and the letter was send out on XX/XX/2022 to the wrong address missing my apartment number so I didn't receive it. Explaining over the phone it was not me and I had bank proof wasn't enough they wanted me fax or mail. I feel they seemed very XXXX  and I'm worried by me faxing this information to them, my information will be compromised some more, so I limited the information that was sent and sent them the fraud form they provided and had it notarized with my bank statement. I want them to please stop harassing me I had sent everything they needed and I also wanted to make sure they are a legit company. I also tried making police report but they stated since my bank never paid they can't do a police report because I lost no money and I changed my bank account and login bank information they told me the bank statement and letter from bank was enough.
Product: Credit card or prepaid card

On XX/XX/2023 while at the dentist 's clinic, when I was reviewing the costs of my treatment, the dentist assistant used my available credit on CareCredit from Synchrony Bank, as a reason not to negotiate prices with me. She came over and said I had over " X '' dollars to spend on my card, so no excuse not to do the treatment or pay the full price. The whole dentist office knew how much credit I had available, and they pretty much decided on how I should use it in total disregard with my possibility to pay back such credit card. This was only possible because CareCredit shared my private information.One thing is the merchant getting a charge approved, but knowing how much credit I have available is completely unacceptable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My interest free period on my Jewelers reserve card through CitiBank expired in XXXX. I received a statement where my balanced jumped from around $ XXXX to $ XXXX. After calling XXXX XXXX, i was informed that of a settlement amount to clear and close my account of the previous statement balance, which was good until mid XXXX. I made this payment in XXXX, calling them to confirm receipt and that no further charges were owed. Then closing my account. 

One month later, i receive a statement saying I owe @ {$600.00}. Again i call them and spend @ 30 minutes on the phone, before getting credited the amount as a bank error. I subsequently received written confirmation that my account had a XXXX balance and was closed. 

Another month later and i receive a statement saying i am past due and owner {$60.00}. Again, another 30 minutes on the phone. However this time, because i have received credits, the customer service representative was unable to help. 

Through this process, the tradeline has been incorrectly reported to all 3 credit bureau as having a past due balance, adversely impacting my credit scores. 

My goal is to raise the issues of the banking practices of the XXXX XXXX XXXX for continuing to bill me exorbitant amounts which are not owed, for failing to resolve incorrect statements, for failing to adequetly disclose a settlement amount at the end of the interest free period and for adversely impacted my financial position ( and waiting my time ) over 3 months.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

I deposited money into the ATM. The ATM stopped working after I put my money in. They did a report. They told me that I owe back {$700.00} after they issued me what I told them I put in now theyre telling me that is not correct, but it is absolutely correct so now they are demanding to take the money back. They are stealing my money. Basically I am a XXXX  I deposit large amount of cash all the time Im not sure whats happening but its not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureaus a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX should be deleted from my credit immediately because it was purchased by another lender, and they are already reporting the account as a collection. XXXX and Transunion are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. Please delete this account from my credit report within 15 days.
Product: Credit card or prepaid card

Good morning I would like to file a formal complaint against citi bank Best Buy credit card. I had first opened this new account back in XXXX as a new customer. Upon opening this new account a received a new credit card.. I lost my credit card at the gas station which was then picked up.. not turned in and used by the individuals who picked up my card to pump gas at the gas station and make purchases without my authorization ... when I realized my card was missing I contacted citi bank reported the fraud claim and filed a police report.. the police report was filed with XXXX County police however the financial crimes unit advised me to dispute the charges with my bank due to the fact that they were minor and that ultimately they wouldnt open up an investigation unless they knew the indentity Of who stole my card ... I filed the complaint with citi bank ... citi bank never sent me any correspondence regarding this matter.. and then ultimately closed my disputed due to the fact that they didnt have enough information ... I never received any documentation in the mail to provide them the information they requested ... so in XXXX when I found out that they did not even process my dispute claim I re-opened the claim ... they advised me that they would send me the documents that I needed to provide them the additional information ... again I never received the documents ... when I checked my account again.. it shows that on XX/XX/XXXX they just decided to close my re-opened claim due to the same reason.. I would like for these fraudulent charges to be waived because I was not responsible for them.. I would also like for citi bank beat buy credit card to actually assist me with this matter and not set me up for failure by not sending no me the appropriate documents to support my claim ... this claim was handled very poorly by them and therefore I deserve to have this reviewed again and processed correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two weeks I called Transunion and XXXX Bank a minimum of 7 times. Transunion has no record of me and told me that it has been mixed up with another person. I had to have XXXX bank verify with a Transnunion rep to confirm that my profile is fragmented. XXXX bank was able to identify the problem using tools to look up my profile with or without social security #. Transunion reps. asked me if I had a tax ID # implying that I wasn't from the U.S. or asked if I had a mispelling of my name etc. Currently I don't exist and have been asked if I even had credit. XXXX for example has all my credit information. It is impossible to speak with someone at Transunion who could help me. I was recommended to by XXXX to get a supervisor who was from America. I have never received any credit report information from Transunion and which makes it impossible to answer any credit history questions with Transunion. I have nothing that shows up on my profile. I even was on the phone with someone for an hour at Transunion who wouldn't transfer me and just sit at his computer. Luckily, I was able to get someone to put in a " maintenance request '' on Friday XX/XX/XXXX. I was told it would take 5-7 business days, but when I called the following Monday, they to confirm they have my request being processed or just acknowledging it, it appeared like it was the first time he saw the issue. I was even asked if I had a file #, which they are supposed to have and look up for me. I can't do their job for them. In total it took about 10 calls to Transunion up to this point. 

Bottom-line : Fix my fragmented non-existent profile Never received a credit report from them Concerned about fraud and identify theft because it got " mixed up ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.
Product: Credit card

I have a credit card issue through Citibank. All the preferences for this account list every transaction document as paperless. I began receiving balance transfer checks for this account. I requested verbally to not receive these checks now or ever in the future. The first request was made over two months ago. The checks began then arriving once every two weeks. I have contacted Citibank multiple times, and told them that under no circumstances should I ever receive these balance transfer checks. Ive been assured on multiple occasions that I will not receive these checks ever again and that my preferences have been updated. I continue to receive these balance transfer checks, And believe that by sending these out my account could be compromised, as these checks could be used if stolen. Citibank seems to have no way to stop mailing me these checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Product: Vehicle loan or lease

XX/XX/2016 Dispute 1 : slammed with GAP insurance. No signed agreement. Refuse to recalculate loan with GAP insurance removed and not disbursed over 36 payments. 

Dispute 2 : Charged 29.95 % on sales tax, and disbursed over 36 months.

Dispute 3 : XX/XX/2016 paid receipt not applied to account. ( See receipt and account print out. ) Dispute 4 : Fee simple loan they are allocating over payments to their interest. See print out, Interest.Recast # nn nn is future interest payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX the financial institution and the Consumer reporting agencies XXXX  and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX Equifax and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal, Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. 

This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. 

They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX on the lake apts, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

closed on a home loan back in XXXX of XXXX. Now in XXXX of XXXX, the mortgage company is harassing me to get some documents signed that were NOT signed by the 3rd owner of the property. The mortgage company has threatened to " unwind '' the loan if the documents are not signed within the next month. they also threatened to charge me {$600.00} to get a notary to go and get the 3rd owner to sign. I feel that they should NOT have closed or funded the loan until all the documents were signed. I further feel that its NOT my responsibility to get the documents signed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fradulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit. Thank you!
Product: Credit card

To Whom It May Concern, I am formally disputing a charge from Citibank related to a XXXX purchase from XXXX. The series of events leading to this dispute are as follows : Delivery and Initial Use : A XXXX was delivered to my address, and I immediately attempted to use it to store my classic vehicle on a lift in my garage. However, upon inspection, I realized the XXXX was not compatible with my garage setup and would not fit on the lift, which had been confirmed, with the merchant, as suitable for this item prior to purchase. 

Return Process : After determining that the XXXX was unsuitable for my needs, I contacted the merchant, who assured me that the product would work with my setup. Despite this, I had to return the item at my own expense, which amounted to over {$200.00} in shipping costs via XXXX. The merchant acknowledged receipt of the item. 

Merchant 's Unwarranted Claim : Following the return, the merchant claimed that the XXXX had a residue on it, which they allege rendered the item unsellable. I categorically deny this claim. There was no residue on the product, and I have no explanation for how such a substance would have appeared, especially given that my garage is meticulously maintained and I store my {$150000.00} classic vehicle there with the utmost care. The merchants assertion is wholly unfounded and baseless. 

Unjust Charge : Despite the circumstances, the merchant has refused to issue a refund, and I am being held responsible for the full purchase price of the XXXX $ XXXX addition to the substantial shipping fees incurred for its return. This charge is entirely unjustifiable, as the item was returned in its original condition, and the merchant 's claim of residue is unsubstantiated. 

I am requesting immediate intervention from the Consumer Financial Protection Bureau to ensure that this erroneous charge is reversed and that I am not held liable for the purchase price of a product that was not suitable for its intended use, nor for an alleged issue that I have no knowledge of. 

I expect Citibank to take swift action to rectify this matter and remove the charge from my account. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Was mixing up the date the. Loan was take. OutHung up on me many timesRefused to sent me a written notification of collection or bill until I gave personal banking info for payment. Debit was over 5 years old. Never on my credit he said it went to XXXX different collection accounts