23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I recieved an email stating that XXXX approved payment for XXXX XXXX. I do not have XXXX or XXXX so I called my bank ( Citibank ) and notified them of the charges. They stated that no funds were actually taken and that completed the call. 

On XX/XX/XXXX, I recieved a phone call from someone named " XXXX XXXX '' ( XXXX, ext XXXX ) and he said he was from the Citibank XXXX XXXX Department. Since I had called Citibank myself I had no reason to believe that he was an imposter. He claimed that several attempts were made to compromise my bank account. He stated that my funds were safe and asked if I would be interested in helping to catch the criminal who tried to take funds from my account. Over the course of several days we spoke over the phone and he sent me two email addresses with IP addresses stating that multiple people were trying to obtain money from my account and that it seemed to be an " inside job ''. He even had me screenshare my mobile phone stating that this was to provide protection on my mobile Citibank account and mobile phone. " XXXX XXXX '' stated that in order to arrest the criminals I needed to send {$30000.00} as a international wire transfer and that once the criminal was caught the funds would be voided and I would receive my {$30000.00} back into my account. 

On XX/XX/XXXX XXXX called me and walked me through the steps on my phone to send the wire transfer to someone with the name XXXX XXXX. Within the next several days I NEVER received a phone call from Citibank alerting me of the transfer, to verify the person I was sending the money to, what for and to even question if this was an authorized transfer. Despite my calls over the days from XXXX XXXX XX/XX/XXXX I was still told by Citibank that everything was fine. 

On Friday XX/XX/XXXX, " XXXX '' assured me that my account funds would be returned and all would be well. After 2 weeks " XXXX '' told me that the person was captured and that I should see my funds back in my account soon. Two weeks passed and I became very skeptical and called Citibank again. The Citibank representative over the phone stated that he believed these phone calls were scammed and that I needed to immediately close the account.
Product: Credit reporting or other personal consumer reports

Checked my credit report and noticed incorrect reporting to accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where Bank of America is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest, Bank of America had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

First Franklin is reporting a charge off on my credit report. The account was delinquent, and we agreed on a settlement amount. After I received my tax refund, I paid the agreed upon amount. I honestly did not know the settlement was supposed to be listed as " settled in full '' until a lady at the bank told me yesterday when I was trying to co-sign on a car for my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.
Product: Credit card or prepaid card

Very bad company after sending them proof of a receipt after they requested they still wont remove the fraud charge after showing them I paid by check to the technician directly who care to My home instead of the company so I was double charged how is this fair they reverse their credit and wont help
Product: Credit reporting or other personal consumer reports

On XXXX of 2022 I requested a payoff from my bank of America credit card account of which the bank told me the amount I in turn send the information to the company that was handling the payoff the company in turn send the check to bank of America i am not sure how the transaction was handle all I was told the money was sent to the bank for the payoff bank of America without contact me about the payment and sent my name to XXXX credit bureau that I was late in XXXX & XXXX of 2022 I disputed it several times with the credit bureau and all the time they came back with the same dispute # that it has been verified I call the bank on several occasions and to be told that the department does not speak to anyone I am very frustrated as I have nowhere to turn to for help I have been a loyal customer with this bank of America for over 40 years and this is the way that I have been treated i hope that I can get your help in removing this late report from my XXXX credit file thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act protects me from companys reporting negative information. 15 U.S.C. Code 1681 protects me for accuracy and fairness of credit reporting. 
On the XXXX of every month XXXX XXXX XXXX received a payment from me but has failed numerous times to update my account with no current update after contacting them to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was notified by the IRS that someone tried to use my social security number to fraudulently file taxes for XXXX. The IRS provided me with documentation and the steps needed in order to protect my identity. One of those steps were to contact the credit bureaus of the identity theft. On XXXX XXXX I filed a complaint with the FTC and on XX/XX/XXXX I mailed the documents provided by the IRS and FTC to Experian XXXX 
Experian received my documents on XX/XX/XXXX. I spoke with a representative at Experian on XX/XX/XXXX to confirm that they received my supporting documentation that listed all the accounts that were not mine and that were fraudulent placed on my credit report. On XX/XX/XXXX, I received an email from Experian stating that the documents that i submitted was not enough and that they were denying my request to " block '' the requested information listed on the FTC report that i provided to them. I then attempted to call Experian to see i someone can explain to me what the email means and what do i need to do or what other information is needed from me. The first representative told me that she could not provide me with any information about what other documents may be needed to get the fraudulent accounts removed. I then asked to speak to a supervisor, who then, kept me on hold for 47 minutes and then hung up on me. I have been trying to reach someone at Experian to get these accounts removed and to speak to someone so I can get an understanding of the next steps, but every representative refused to assist me with my credit report and explain to me why the supporting documents that I provided was not enough
Product: Consumer Loan

we keep getting charges for a mothly automatic payment that we make from our checking acount on XXXX XXXX to a saving account in Bank of the West that is being used from this bank for payment to a line of credit loan with the same bank. 
We are being charge for " not sufficient funds '' even though wehave proof that a payment had been made on time from XXXX XXXX to Bank of the West. 
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days.
Product: Debt collection

I receive calls as early as XXXX XXXX  and as late as XXXX XXXX  at night time from Westlake financial from the auto loan debt owed to them. It is so bad that I have to keep my phone on do not disturb to be able to sleep without being disturbed.
Product: Credit card

I applied for auto loan received a copy of my credit report and notice I had two accounts open under my name without my permission or authorization. However the account was once removed but placed back on my credit file. I request validation of debt never received it.
Product: Debt collection

I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX  FINCL According to my records, a late payment was reported for my account number XXXX in XXXX 2022 XXXX XXXX, equifax XX/XX/year> This information is incorrect and negatively affects my credit score. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2022 XXXX XXXX, XX/XX/year> equifax late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$330.00}
Product: Credit reporting

I have been requesting verification of the following account that 's being reported on my credit report by Equifax, Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. 
I called XXXX using the number listed on my credit report via Equifax at XXXX and spoke with XXXX, agent ID # XXXX and she assured me a security freeze was placed on my file as of XX/XX/XXXX and such verification was not possible. She also did some research and confirmed that there was NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. Furthermore, XXXX XXXX NOT verify the information that Equifax shows as reported on XX/XX/XXXX. 
I 've contacted Equifax since but they 've refused to investigate. If Equifax can not verify the account when investigated, it must be removed. Therefore, I demand that this public record Bankruptcy # XXXX be removed from my credit report due to lack of verification and inaccurate reporting of verification date! 
Keep in mind that the XXXX agent has confirmed that Equifax 's so-called " verification '' on XX/XX/XXXX did not take place. It was not reported by them because my credit file had a security freeze on it that date and so forth. XXXX do not disclose information on files that have security freezes in place. 
I have disputed this account and repeatedly requested proper verification as well as documentation but Equifax has failed to provide me with any. What I get instead is XXXX address and false records stating " account is verified ''. Again, I demand that the unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT REPORT DUE TO LACK OF VERIFICATION AND INACCURATE REPORTING OF VERIFICATION DATE.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Report, I have identified inaccuracies within certain accounts which may adversely impact my Credit Score. It is imperative that these discrepancies be rectified promptly. The erroneous accounts, along with their respective details, are outlined below : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======Equifax : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} =======XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00}. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC Section 1681i, I kindly request an investigation into the disputed accounts. Pursuant to 15 USC Section 1681i ( 5 ) ( A ), you are afforded 30 days from receipt of this credit repair request to complete the necessary actions, unless an alternative timeline is communicated to me promptly. Failure to verify these accounts within the stipulated timeframe constitutes non-verification, necessitating the prompt updating of said accounts as per Section 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX reported XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear, Capital one I hope this letter finds you well. I XXXX XXXX, am writing to request form 1099 -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention to this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX 1 ) Account # XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX XXXX  mo XXXX
Product: Credit reporting

I applied for credit and was declined, I was given a contact number to get my free credit report. The number is XXXX for Equifax. I called the number and followed the prompts for denied credit request. Put my personal information and was asked what do I want back. 1 ) Score & File or 2 ) Special score & File or 3 ) File then I was offered information about option XXXX or XXXX. I choose option XXXX sounds like the best choice. After choosing XXXX I am told a fee of {$7.00} is due and that this is a discount from regular price. Then I am told to input credit card information to receive over and over again with no other option. Then I am told since I want the free file for denied credit ( first time they mention only free choice ) I must jump through all types of hoops to get it sent to me. This is a scam to make you buy the score why did n't say that up front or give me a option to choose option # XXXX again since I now know it is the only free option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and Transunion. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and Transunion they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, Transunion, XXXX, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Product: Mortgage

I made a regular home equity payment on XX/XX/2018 using two checks from different accounts. One check was in the amount of {$200.00} and the other was in the amount of {$370.00}. On XX/XX/2018 I received a text alert that one of the accounts was overdrawn. I had to have my daughter transfer funds to the checking account until I returned to research it. I was out of town during this week. After researching it, I discovered that Suntrust processed the payment out of one account not the two that the checks were written on. When I returned on XX/XX/2018, I went to the Suntrust branch that processed the payment and asked them to fix it. The teller said that it was already processed and she couldn't do anything about it. She said their system holds account numbers and that the lady processed it through the incorrect system. I then told her that I was going to call the XXXX number for Suntrust and ask them to fix it. She didn't care. This wasn't the first mistake they made with this account. Many other mistakes have been made since securing this loan. I then went out in the parking lot and called the XXXX number. I spoke with a woman who assured me she could fix it. She then took the correct number of the account that the {$370.00} was to be taken out of and said she would process it and that she wasn't sure if the money could be put back in the other account electronically but if it couldn't we would receive a check. On XX/XX/2018, {$370.00} was debited from the correct account and to date, we haven't received the money back from the incorrect withdrawal. That money was to be used to pay a bill. We don't have the money, nor credit for the extra money on the home equity. Suntrust has the money but we have no record of it being a credit to our account. I called again today and spoke with a gentleman who told me that the complaint kept getting pushed around and that he thinks a check is issued. I told him I was filing a complaint as this money was to be returned to us by now and instead Suntrust took another {$370.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 card

I signup for XXXX capital one They said give {$300.00} credit statement when i spend {$500.00} as early promotion as promised When i called first time they said it will appear after 3 billing cycles After i called after 3 billing cycles saying it is not linked to my agreement I want them to give {$300.00} credit statement as promise
Product: Debt collection

Good afternoon, On XX/XX/2019, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.