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

On or around XX/XX/XXXX2023, I attempted to make a purchase with my existing Citibank credit card and my purchase was declined. Per Citibank my {$21000.00} line of credit was reduced to XXXX, with a existing balance of {$9700.00}, leaving a line of credit of {$270.00}. I had this Citibank account since XXXX, never missed a payment, credit score close to 700, credit card balances under 50 %. Per Citibank we reduced your available line of unused credit to prevent fraudulent purchases over the holiday period. I would like to file a formal complaint against Citibank for this discriminatory practice of targeting minority accounts and lowering existing lines of credits without notification or disclosure based on perceived notion someone would attempt to utilize unused lines of credit during the holiday therefore, Citibank must block the consumer from making any purchases during the holiday period by reducing the lines of credit to nothing. I am asking for investigation into this practice that targeted minorities and block purchasing power during the holiday without any legal justification or based on actual credit sconce. I also would like to file a formal complaint as act of retaliation I believe Citibank intentionally lowered my line of credit by {$10000.00}, as act of retaliation for the many complaints I filed with CFPB against Citibank and asking that CFPB conduct an investigation into how many consumers more specifically minorities were affected by Citibank deceptive business practice of lowering consumer credit scores to prevent fraudulent activities and disclose what federal and state laws gave Citibank the right to conduct business in this manner. I also requesting CFPB to enact of enforce laws that prevents this type of abusive practice targeting minorities consumer and fine Citibank and provide financial relief to all partied affected by Citibank deceptive lending practices.
Product: Credit reporting or other personal consumer reports

Westlake financial has been giving me the run around for almost 3 years and now they are saying there not responsible for reporting the money Ive payed on my account for almost 2 years XXXX $ .they are saying that its another firms responsibility and when I call the other firm there saying its westlake responsibility to do it .but every single month my closed off account by them goes up XXXX $ even tho Ive already settled it in court .please can someone help me before I get a lawyer!
Product: Debt collection

On XX/XX/2020 Caine & Weiner reported to all theee credit agencies that I owe a debt to them, they are also reporting false allegations of That it is a new debt I had it removed from my credit reports before due to it not being my debt and they remove it then they report it again fraudulently putting wrong dates and amounts to pass it off as a new collection. I have never signed a contract with this company nor do I owe the amount in question. Caine & Weiner are making false allegations against me and are fraudulently reporting false debt information that is ruining my credit standing. Im his is not my account and the date opened isnt even a legit date.
Product: Credit card or prepaid card

On XXXX XXXX, I paid my credit card balance of {$880.00}. On XXXX I paid {$700.00}. On XXXX XXXX, I paid {$200.00}. The limit on the card is {$1000.00}. The total amount of charges after the XXXX is {$440.00}. When the {$200.00} is applied, the total comes to XXXX. My account stands around {$700.00} owed and XXXX can not explain the mathematical variance. On XX/XX/2022, I called and voiced my concerns and the service rep calculated a {$600.00} variance. A supervisor was requested and they both agreed that somehow ( explained by the holiday ) the payments hadn't been processed yet but I would see the balance drop after the holidays. They said if not, call back. I called back and they completely changed narratives.
Product: Debt collection

Company is alleging I owe $ XXXX in debt. They have contacted my uncle who is not on my lease. And discussed me. I went to court with XXXX XXXX XXXX, they are falsely saying they are XXXX XXXX I do not have a contract with said party. Also, the debt total is XXXX not XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my credit score to drop by XXXX points unfairly. I demand that only one credit report per month be submitted for my accounts to prevent such inaccuracies.

Additionally, I request that my credit score be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. 

This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.
Product: Debt collection

EXPERIAN Is showing an open account balance own XXXX dollars on my credit. When other credit bureau show no information, balance XXXX  account information. XXXX Doesnt show any information on my credit. 
XXXX Also doesnt show any information on my credit.
Product: Mortgage

i was approved XXXX XXXX starting XX/XX/XXXX for XXXX  months the first check was sent out on the XX/XX/XXXX the second one was on XX/XX/XXXX have called and put in a ticket and a complaint with both sending and receiving companies XXXX and XXXX XXXX  now told to put in a complaint with you if you can assist i would greatly appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my credit report, I have two unknown and unauthorized reports/inquiries on my credit report : XXXX XXXX on XX/XX/2021 and Discover Financial on XX/XX/2021. I did not consent to these inquiries and request that they be removed immediately. These were seen on my XXXX XXXX account and I do not know where they are from and it is concerning to me. 

Please let me know if you need any further information.
Product: Credit reporting or other personal consumer reports

Immediate Action Required : Security Breach Demands Resolution Within 24 Hours Dear Exqufix Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX, reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next 24 hours to : * Remove any and all unauthorized accounts linked to my name. 
* Conduct a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX  Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXX Phone Numbers : Phone Number ( XXXX ) XXXX Phone Number XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Product: Credit card

I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit. 
They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.
Product: Debt collection

Received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX. XXXX dated XX/XX/XXXX stating that I was responsible for a medical debt of {$380.00} for a patient whom I have no knowledge of and with a medical group I was unfamiliar with. On at XXXX XXXX  CST XX/XX/XXXX I called XXXX and spoke to XXXX XXXX, disputing the debt. He indicated that the debt had been recalled the previous day and they were no longer attempting to collect. I asked to speak to a supervisor and was referred to XXXX XXXX who indicated the matter was no longer active and that they would update with credit bureaus. Suspecting fraud I asked for and was given a number for patient advocacy XXXX ( XXXX ) XXXX. No one answered. I received a recording and opted not to leave a call back number because I didnt want a collector on a bogus debt to have my phone number. 

I then received a letter from Capio Partners dated XX/XX/XXXX to collect the same bogus debt. Interestingly, the XXXX XXXX  and the Capio Partners letters showed the same return address of XXXX XXXX XXXX, XXXX, CA. XXXX. The correspondence from both also listed an address on XXXX XXXX in XXXX, TX. 

I sent Capio Partners a letter certified mail return receipt dated XX/XX/XXXX disputing the validity of the debt entirely and requesting written verification of the debt. 

In a letter dated XX/XX/XXXX Capio Partners send a copy of a purported medical bill from original creditor XXXX XXXX   XXXX XXXX, XXXX. The statement was addressed to an address I have never resided or been to in XXXX, GA. I have not been in or around XXXX in over 5 years. I have no friends, relatives, associates living there and not even aware of any acquaintances living there. This correspondence did include personal information that demonstrates that this debt has been fraudulently created through identity theft. 

I am actively disputing this debt with Capio Partners and credit bureaus and am exploring reporting this matter to local law enforcement, the FTC, and my state AG, as well as the AG of Georgia and Texas.
Product: Mortgage

We were working with Chase to refinance, combining our XXXX and XXXX and take out some cash. We knew we could do this and stay under 80 % LTV. When we filled out the paperwork, the numbers were filled in to reflect our XXXX and XXXX but not the cash out. We were told that we could adjust that number once the appraisal came in. However, the appraisal only came in at {$4000.00} more than what we had to have for the XXXX and XXXX with little room for cash out. Oddly though, our appraisal was also {$20000.00} less than what homes were selling for in our neighborhood - right next door. We brought many glaring mistakes in our appraisal to our loan originators attention and requested a second appraisal. We were denied. We brought it to our loan originator 's superior and were denied. We called Chase XXXX number and brought it to their attention and were denied. Our concerns include the fact that the woman that showed up was not the appraiser, but a subcontractor. I did not learn this until she was leaving and have no proof other than a picture of her truck in my driveway. Assuming she was the appraiser I expected specific builder upgrades to be noticed - walk-in closets, whole house fan, pantry, wiring for hot tub, wiring for swimming pool, and skylights. However, there is no mention of these upgrades in our appraisal and no pictures were taken of these things. So, the appraiser refuses to acknowledge them. The square footage in the appraisal is also incorrect and we were not given the opportunity to provide proof of correct square footage. In addition, our home was compared to other homes that were not in fact comparable. We have a three bedroom, XXXX, two-story. We were compared to ranches with 2/3 the square footage, fewer bedrooms and fewer bathrooms, and one home that was not only smaller with fewer bedrooms and bathrooms but was also XXXX years older than ours ( our home is only 17 years old ). There were XXXX homes sold in our area within the previous year and only XXXX of our comparisons were truly comparable. We pointed out XXXX homes that had sold in that period that were more comparable, but they ignored us. Finally, even with the comparables used and the price adjustments made, our home was valued {$7600.00} below the average of the comparable adjustments - and yet even the appraiser acknowledges that our home " has been well maintained. The subject 's design and floor plan is well accepted in the market and does not suffer from physical, functional, or external inadequacies. The subject has been updated ... '' All of this, plus our inability to get Chase to work with us, or on our behalf, leads us to question whether our loan and appraisal may have been price fixed. While we do not have any interest in working with Chase at this point, and would like to get our {$500.00} Good Faith Funds fee returned, our main goal is to ensure that if there was any misconduct on anyone 's part ( Chase, appraiser, etc. ) that they are held accountable.
Product: Debt collection

Continuing to call back to back telling me I could be arrested and theyll file charges due to a charge from when I filed bankruptcy. The charge was included in my bankruptcy. Also threatened to call my job. 

Transcript of voicemail left by this company. 
________ ____ __ ____________ ____ is XXXX XXXX I'll give you a ________ call __________ some return bottles of TCF national bank on ___ phone I'll call him send this out __ three counts against you the pin allegation of _____ by deception XXXX XXXX __________ __ _____ by deception to XXXX bank potentially trying to fly __ ____ __ __ ____ I'm a _______ ____ _ ______________ for the client to move forward ____ ____ _________
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I completed a background screening for the USPS. The position is contingent on the background screening and the company has not completed the screening and its been over a month. I know my record is clean so theres no reason there should be this long of a wait. I need this process to be moved along so I can hear back from the job I applied to.
Product: Credit reporting or other personal consumer reports

3 hard inquiries with XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.
Product: Credit card

My Lowe 's charge took out XXXX as a reoccurring payment that I did n't authorize causing me to go NSF on my bank account.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and haven't received a response : XXXX : XXXX. XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 Transunion : XXXX : XX/XX/2022
Product: Student loan

I received a confirmation letter form Mohela stating that I have made XXXX out of the XXXX qualified payments towards my student loan forgiveness ( I've attached both letters ). I called Mohela and was told that all I have to is wait for Federal Student Aid to authorize my cancellation. I also contacted Mohela through their online portal and was told that they are waiting to receive confirmation from Federal Student Aid that my loans can be forgiven through the Public Service Loan Forgiveness Program. My online Mohela tracker has also been updated to reflect that I made 122 out of 120 payments. However, I received an email from from Mohela on XX/XX/2024 stating that I am not eligible because I have not made 120 payments ( email attached ). This is incorrect, because Mohela has already confirmed that I have made 122 qualifying payments and they confirmed that I am working over 30 hours a week at an eligible employer.
Product: Debt collection

They sent letter stating will sue, if not paid. I sent letter asking for validation of debt and proof they had correct person since I never heard of either company. They send letter with amounts and name, but nothing else stating they do not have to. I sent another letter asking same thing, once again they sent same response, I sent another letter on XX/XX/19, they responded with another legal threat to sue since I asked to cease commutation, I never asked that in letters, I asked for proof they had correct person, and about debt since I never heard of either company. They have never sent any proof, or will not communicate with me information, just send letters stating will sue, and first letters never stated a debt collector. Their letters never address what I ask, and they state they have proved all they have to. Which is nothing. I never had an account with wither company or signed for any credit or loan with either company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I set up online a wire transfer of {$22000.00} to my friend XXXX XXXX. The transfer has never been delivered to his bank account. I received an email on XX/XX/XXXX, asking me to contact the bank at XXXX. During the phone conversation, I was asked to provide more information to complete the transfer, including very private personal information about my friend, the wire transfer recipient. This is very suspicious request especially over the phone, because I have made multiple wire transfers from other banks previously, have never been asked for such information. My request to provide the support documentation for such request was not satisfied, and was told that without that information the transfer could not be processed. Therefore, I asked the bank to cancel the wire transfer and return the fund to my account. I was assured it should be back in 3 to 5 business days. Now after 20 days passed, I havent seen money back to my account. And nothing from the bank explains what is going on. 
An inquiry message to the bank on XX/XX/XXXX, ended up with the request my phone call to the same number without much sincere help. I was assured the issue would be solved and money back on this Monday XX/XX/XXXX, yet nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccrate information on my credit report with XXXX Experian and XXXX the credit bureaus fail to protect me as a consumer and do not follow the proper guidelines like XXXX XXXX reporting different open dates
Product: Debt collection

I have spoken with several people at this company. Have even emailed information that was asked of me. I do not OWE CAINE & WEINER any money. I have contacted XXXX XXXX who is the person I owe the money to and I have been working with the directly. This XXXX XXXX XXXX company is now reporting to my credit and I want them to stop. I do not owe them ANYTHING. I am in direct contact with XXXX and they have asked me to not deal with XXXX XXXX XXXX either. TAKE THIS OFF MY CREDIT REPORT!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax XXXX Please delete these addresses off of my report and phone numbers and names they are affected by credit report and my credit and my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. These inaccurate items must immediately removed : 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.