23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2017 AROUND XXXX XXXX est. Called spoke w a XXXX after seeing item on my XXXX XXXX which is not mine bill- has been previous disputed these charge amounts before. XXXX refused to allow me to dispute stated the time has came and gone to do that and its in collections now. I told him to Cease and Desist account- he refused to do this as wel.. kept saying send it in writing ... on everything i stated. very rude. felt threatened, and that it did not matter what i had to say, asked for supervisor said I could call back no one was above him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions has willfully and illegally reinserted a deleted account from XXXX & XXXX onto my consumer report that doesn't even belong to me on XX/XX/2022. This is the THIRD time this derogatory account has been placed on my Experian consumer report. Experian is in violation of Fair Credit Reporting Act 611 5 ( B ) ( i ) which states the following : Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit card or prepaid card

I was told in XX/XX/2020, my benefits would be exhausted. XXXX XXXX XXXX  someone was filing for my benefits and using my card. I notified relia card, they denied my whole dispute ( which I paid taxes on ) except for {$17.00}. I contacted Unemployment and they said I should have never gotten it, which is not the truth.
Product: Credit card

I bought a XXXX XXXX XXXX from a XXXX company XXXX  XXXX XXXX and they did fraudulent activities to fail their customers recently their company got shut down for an ongoing fraud investigation and Citi credit card not listening to their customers and not issuing the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Transunion Consumer Reporting Agency. Transunion has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. In addition Transunion was was notified via mail and internet with an identity theft report which included two fraudulent accounts XXXX XXXX  XXXX and XXXX XXXX  XXXX. Transunion also was notified of several fraudulent related inquiries XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This fraudulent accounts and inquiries currently are reporting on my credit file which is unacceptable an in violation since Transunion has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.
Product: Money transfer, virtual currency, or money service

Gemini won't allow me to Deposit or Withdraw any currency without sending a Wire Transfer first. A wire transfer can not be made until my identity has been verified. 

I can not verify my identity until I make a wire transfer. 

I can not wire transfer money until my identity is verified. 

Gemini has created a paradoxical situation where a user can not be verified until a transfer is made, and a transfer can not be made until a user is verified. ( See screenshot below ; notice how the " Continue '' button is greyed out and unable to be clicked when trying to send a wire transfer ) All of my assets are frozen in Gemini 's platform due to a technical, paradoxical issue created by Gemini. 

Attempts have been made to reach out to Gemini for resolution and they have failed to investigate the issue thoroughly to completion.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has repeatedly failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 1681s-2, 1681 ( 5 ), and 1681c ( C ). 15 U.S.C 1681 c-2, U.S.C 1681i, U.S.C 1681b ( a ) ( 2 ) In accordance to these listed accounts XXXX XXXX account # XXXX in the amount of {$530.00} opened XX/XX/XXXX XXXX  account # XXXX opened XXXX XX/XX/XXXX in the amount of {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX I have sent multiple dispute letters to Experian regarding inaccuracies on my credit report. These inaccuracies are negatively impacting my creditworthiness and, by extension, my ability to access credit, employment opportunities, and housing. Despite my efforts, Experian : Has not properly investigated my disputes as required under 1681s-2 ( b ). Has failed to correct or delete inaccurate and unverifiable information under 16811 ( 5 ). Continues to reinsert previously deleted or disputed information in violation of 1681c ( c ). continuously neglects blocking frivolous and fraudulent accounts and even neglecting Police FTC reports that I have submitted as I have explained multiple times I am a victim of identity theft even after providing information they continuously violating my rights in 15 U.S.C 1681c-2 Have yet to receive any written Authorization from me to even report on my credit in violation of 15USC 1681b ( a ) ( 2 ) I recently became aware of the CFPB 's lawsuit against Experian, which alleges that the company conducts " sham investigations '' of credit reporting errors and fails to adequately address disputes. These allegations align with my experience, as Experian 's actions ( or lack thereof ) reflect a systematic failure to follow FCRA requirements. Experian 's failure to properly address my disputes has caused significant harm, including : Lower credit scores, making it difficult for me to quality for credit or secure reasonable interest rates. Repeated emotional distress and wasted time due to their noncompliance. Potential harm to my employment prospects and housing applications due to inaccurate credit information. I have sent multiple dispute letters to Experian and provided evidence supporting my claims. Despite this, Experian has failed to adequately investigate or resolve the inaccuracies on my credit report. Experian is the only buera to either I have attached copies of these letters, Experian 's responses ( or lack thereof ), and evidence of the inaccuracies for your review.
Product: Credit card or prepaid card

On XXXX XXXX I submitted a dispute since I recognized that there was a substantial charge on my account that was not mine. Citibank denied my claim, did not file a chargeback since they assumed that the charge was correct. If you look at my spending patterns this charge for {$4200.00} on XX/XX/XXXX does not match up. The bank is holding me responsible for a charge that I suspect was made on my old phone that I sold. The XXXX XXXX wallet must not have been removed properly before I sold it and someone managed to use my information to make the purchase. I need the charge credited back to my Citi credit card account.
Product: Credit card or prepaid card

I have tried for XXXX hours to close a Money Network account set up by California XXXX XXXX XXXX Refund on : XXXX Both the State and the Money Network have repeatedly refused to close the account. Money Network has given me several reasons, none of which make any sense. Also, I tried to get the XXXX folks on that site to close it, but they can not, again for some unexplained reason. The California XXXX XXXX XXXX XXXX has suggested calling Money Network and again they stated that the account is permanently open, due to CCPA Section 1798 Section 145E. Please help me close this account!
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX I received a call from my Victoria Secret credit card company about an open balance. I told the guy on the phone to pay off my full balance and shut down my card. Every month following I got charged late fees that I was not made aware of and yesterday I received a call saying I have an open balance of {$140.00} due to all the late fees. I was only able to waive one of them but bit the bullet and told they guy on the phone to charge me the remaining {$110.00} and cancel my card entirely and to send me an email stating my card is canceled/ shut down. I followed up a few hours later after I saw my payment went through on my banking statement and the lady on the phone told me I still have an active balance of {$140.00} and that there are no notes of the late fee being waived. She then told me to wait 24 hours for changes in the account to be fully processed. I waited and called about 30 hours later ( today ) and spoke to a new guy on the phone saying the late fee was never waived and the account has never been closed. He then tole me he waived the fee and would be sending over a notification on my account that my credit card will be shut down. I never received anything and am afraid this is going to happen again.
Product: Student loan

I had been unemployed and recieving social services on and off from  XXXX  til  XXXX . Most of the time from   XXXX - XXXX .  I repeatedly talked to representittives from Navient and explained my situation, and repeatedly asked for paperwork to get this on file. After probably 2 years of dealing with this, I finally got the correct paperwork & filled it out and sent it in to be told they never received it. They also put me on a {$5.00} a month payment plan for awhile which I did pay on, and then out of the blue I was sent a bill for over {$700.00} ... when I called and inquired about the change they told me I was no longer eligible, even though nothing in my employment or life situation had changed. I have been dealing with this company for many years now and they have never once made things easy or even practical How is a person receiving government assistance suppossed to pay the outrageous payments they bill you for? My loans are now astronomical because of late fees, interest, and every other charge they can possibly add to my total. My original loans were for way less then half of what Navient now says I owe!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX Auto Financing XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2021 Equifax
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Product: Mortgage

Loancare processed a payment that was sent by the Equity accelerator program directly towards my principal and not my monthly payment for XXXX 2016. On XXXX/XXXX/2016, I received notice that my payment was late. The statement was from XXXX/XXXX/2016 but I did not receive it until XXXX/XXXX/16. I never received any other correspondence regarding any late payments. I called immediately and spoke to a woman and explained that the payment on XXXX/XXXX/2016 was incorrectly applied. She said that it would be reversed. I am currently trying to close on my FHA streamline and we were supposed to close as of XXXX/XXXX/2016. My loan is currently showing late, and I have tried to speak with a supervisor or someone in a department to get this done today. The call center reps are rude and uncaring and refused to let me speak with their supervisor. This company has the worst customer service I have ever experienced in my life and they are currently interfering with my families livelihood because they will interrupt the FHA Streamline process and will make me late on a payment. I am completely appalled at the service they provide, especially when you can only speak with a rude call center rep who will not give you any information.
Product: Payday loan, title loan, or personal loan

Bank of America has failed to close my Home Equity Line of Credit per my request in a timely manner. I have called several times and have been on the phone for 0ver 8 hours. On Tuesday, after being on the phone for 5 hours waiting to speak to someone, I was able to speak to XXXX and he assured me that my HELOC would be closed in no later than 48 hours. Yesterday, after being on the phone for over 2 hours, I was able to speak to  XXXX in XXXX and she informed me that my HELOC was in process to be closed yesterday by XXXX XXXX  and it would be reflected no later than midnight. I asked to wait on the line ( 30 additional minutes ) until XXXX XXXX  to make sure that the HELOC was closed but the phone got disconnected and I did not receive a call back. Today at midnight and this morning I checked my online banking and the HELOC is still showing active and has not been closed. I ask that Bank of America please close this account immediately.
Product: Credit card

In XX/XX/XXXX I purchased a computer from Best Buy on a promotional balance of 12 months no interest for {$1300.00}. on XX/XX/XXXX I made a regular purchase of {$100.00}. On XX/XX/XXXX I made a regular purchase of XXXX and I made a return on XX/XX/XXXX for ( {$81.00} ). I made a regular purchase for {$120.00} on XX/XX/XXXX and on XX/XX/XXXX I made a regular purchase of {$37.00}. Beginning in XX/XX/XXXX I was making payments well above my minimum to pay off my promotional balance before it expired in XX/XX/XXXX. To be exact {$100.00} payments were made from XX/XX/XXXX-XX/XX/XXXX and in XX/XX/XXXX I paid {$25.00}. In XX/XX/XXXX {$510.00} in payments were made. In short, I paid {$1300.00} in payments from XX/XX/XXXX-XX/XX/XXXX and on my current statement they 've charged me {$260.00} in interest for my promotional balance and they are telling me that I still have a promotional balance of {$190.00}. They chose to appy the bulk of my payments to the regular purchases of {$290.00} instead of applying my payments to my promotional balance so it would be paid off before the expiration. When I called today to speak with customer service the agent told me that she would use the payments that I 've made in excess of the minimum payment and apply them towards the promotional balance and remove the interest charge. I asked for a supervisor and the supervisor told me that she would n't do that and I had to pay the {$190.00} promotional balance before XX/XX/XXXX or they would not remove the interest charges. I will NEVER use this card again! This is highway robbery! I am beyond frustated and angry.
Product: Debt collection

Trust Financial, XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ( XXXX ) XXXX ( XXXX ) XXXX My first letter from Trust Financial LLC that I received was from XX/XX/XXXX. It claims they have tried to reach me in the past, but this is the first letter I have ever gotten from them. I do not recognize the debt so I contacted the original creditor that is XXXX XXXX XXXX XXXX. I asked about their client XXXX XXXX there. The secretary looked up the client and said it obviously was not me, because the child is XXXX years old and they don't even have a Utah address in the system, so she doesn't even know how the debt collector would have even found my address. She told me it was most likely a scam. 
Going off of this information, I decided to ignore the letter, because it does seem to be a scam. No effort seemed to be done on Trust Financial LLC 's part to remotely validate the debt, other than possibly send the same letter to every XXXX XXXX they could find in hopes that someone or multiple people would pay it. I have no connection whatsoever to this debt they claim is for {$420.00}. I got a second letter from them on XX/XX/XXXX seeking to extract personal information from me as well as personal information about my wife. I sent them a letter stating the debt is not mine, they should do their own research to figure that out, and to never contact me again about it. I also returned the second informational letter to them blank without filling it out, despite the threat of legal action should I not fill it out. 

Creditor : XXXX XXXX XXXX XXXX Original Creditor Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been making regular monthly payments since XX/XX/2003. At that time I agreed to pay {$300.00} on student loans obtained thru XXXX at an interest rate of 3.5 %. Sometime in the recent past, the interest has been increased by Navient or XXXX without any notice or consent. As a result the balance of the loan will not be paid in full at the end of the 25 year term. Does Navient have the legal right to raise the interest rate whenever it desires?
Product: Checking or savings account

I have disputed a charge of {$1400.00} with Citibank for merchant XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) using Citibanks XXXX XXXX. Informed bank that I did not entirely receive what I ordered and merchant has blocked my number/avoids contact. 



There have been 3 reviews, and Im not sure what was done differently in any case, but after providing information once, it appears they just took the merchants side without further asking question ( at least to me ). 



Case opener XX/XX/XXXX. Transaction occurred XX/XX/XXXX. 



I have other disputes on my credit with Citibank involving this same merchant. I dont understand why some charges have been reversed while others not, for the same matter. 



When I inquire multiple individuals from Citi customer service and dispute center on XX/XX/XXXX asking why some disputes were reversed and some declined, my calls ended dropped. There is no way in returning to the point where we last left off without explaining it all over with someone new. I truly feel the matter is being ignored and not addressed appropriately. This is the case every time I follow up, but I never get a call back. 

I am unsure whether to report this as checking or credit account since it involves both for the same merchant and financial institution, but for different transactions/matters.
Product: Mortgage

I reached out to my mortgage provider after being unable to make my mortgage payments for two consecutive months. I explained that I had lost my job due to the necessity of caring for my spouse, who suffers from a XXXX XXXX They granted me a trial payment plan to prevent my home, where I have resided for over 16 years, from entering foreclosure. I successfully made the three trial payments on time, after which they accepted me into a loan modification agreement. This modification increased my total loan amount from {$97000.00} to {$100000.00}, with a new XXXX XXXX of {$6200.00}. My interest rate rose from 4.5 % to 7.1250 %. Despite my ongoing financial difficulties, I felt compelled to sign the agreement. Regrettably, I overlooked the new interest rate, which I acknowledge was my oversight. However, I believe this situation constitutes predatory lending. If I struggled to pay my mortgage of {$1000.00} at 4.5 %, it seems unreasonable to raise my payment to {$1200.00} at 7.1250 %. This will be my first payment at this increased amount. I find this situation to be unjust and seek your assistance in addressing this predatory lending practice.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX   I tried to deposit a personal check using  the Amegy mobile p hone app. I never got credit for the deposit. When I called to question an insufficient fund fee charged and asked why I did not get credit for the deposit made, I was told that the deposit was never made. This is the second time this has happened to me where a deposit made using the app is not credited and charged an insufficient fund fee. ( The first time was back in  XXXX    XXXX  . ) Each time I am tol d by Amegy  customer service that it was never made. On  XXXX   XXXX ,   XXXX   I called a branch to try to resolve this issue. I emailed the branch rep a copy the error message given stating the check had already been deposited . ( See attachment. ) It turned out that the check was not accepted because I am the account holder of both accounts and it would be easy for me to float money. Really? When did Amegy become the Float Police? And, why did someone not inform me? I do this type of deposit to and from both thes e accounts all the time using the phone app from both bank accounts. I have lots of reason for having both accounts but the main reason is because you have to have direct deposit to get the account free of charge. Furthermore, there is no way to be able to float a check if posted the same day as these checks clear overnight.     I have proof of several other deposits that have been accepted using the  Amegy m obile app.
Product: Debt collection

Today I got a message from a Bank lender saying that i had a debt collection note from Diversified Consultants on my credit report. I called them and I asked if they send any information or called me regarding this issue before putting the collection note on my credit report and they said no that they did n't have current information. I told them that I needed that note deleted and they said it is submitted we cant to anything. 
At this point I have a note dispute on XXXX, XXXX and XXXX. I also filed a complaint for XXXX on FTC. It is unbelievable how companies destroy people records without any care. My credit score is today XXXX points lower due to this issue. This is abuse and it should be investigated and punished.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my finanical institution and Zelle failed to investiage my claims. They informed me that recovering lost transactions/funds was impossible and that tracking them was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of transparency and accountability raises concerns and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked requested the following personal statement be placed in my credit report and related to all who request my report. THe statement meets the word and character requirements but the reporting agency will not place this on my report as requested. 

" My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse reports to the three credit reporting agencies. Each agency gave XXXX & XXXX, notice as an adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of XXXX & XXXX adverse information. ''