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

MY COMPLAINT IS AGAINST CITIBANK CREDIT CARD FOR ITS POINTED FAILURE TO CONSIDER AT ALL, MUCH LESS, GIVE WEIGHT TO THE OVERWHELMING DOCUMENTARY EVIDENCE OF FRAUDULENT CHARGE OF {$2000.00} MADE TO MY CREDIT CARD ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX OF:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( MERCHANT ID # : XXXX ). 

I BELIEVE CITIBANK 'S CONDUCT IS CONTRARY TO THE TERMS OF MY CREDIT CARD AGREEMENT, WHICH STIPULATES THAT I WOULD BE RE-IMBURSED FOR FRAUDULENT CHARGES. 

PLEASE SEE ATTACHED MY SWORN STATEMENTS DATED XX/XX/XXXX AND XX/XX/XXXX RESPECTIVELY, WHICH PROVIDES DETAILS OF THE ALLEGED " BAIT & SWITCH '' FRAUD PERPETRATED ON ME BY XXXX XXXX XXXX XXXX. 

THE GIST OF MY COMPLAINT IS THAT XXXX XXXX XXXX XXXX PREDICATED ITS UNILATERAL & PREMATURE WITHDRAWAL ON THE SAME DOCUMENTS THAT MY HUSBAND HAD PROVIDED IT DURING AN EARLIER CONSULTATION in XX/XX/XXXX-XX/XX/XXXX ( i.e. copies of my filed Petition For Review and Memorandum Arguing Against Dismissal ), WHICH XXXX XXXX XXXX XXXX STATED THAT " it had reviewed '', and that it contained " strong arguments in support of my case ''. BUT ONCE XXXX XXXX XXXX XXXX CHARGED MY CREDIT CARD FOR {$2.00}, XXXX, IT DID A 180 DEGREE TURNAROUND AND CHANGED ITS LEGAL OPINION-IN ORDER TO JUSTIFY GORGING ME. THIS IS A CLASSIC " BAIT & SWICTH '' FRAUD case-contrary to New York Disciplinary Rule 2-106 ( A ) ; RULE 1.3 ( c ), New York Rules of Professional Misconduct and the FELONIOUS CRIME of First Degree " SCHEME TO DEFRAUD '' under New York PENAL LAW, section 190.65 ( 1 ) ( b ), which stipulates that ; " A person is guilty of this felony where he engages in a systematic ongoing course of conduct to obtain property from more than one person by FALSE PRETENSES, REPRESENTATION or PROMISES, and thereby obtains property worth more than {$1000.00} from one or more such persons ''.
Product: Vehicle loan or lease

I brought my car on XX/XX/XXXX, between that time of XXXX and XXXX of XXXX I made my payments with the exceptions of a few late ones but they would shut my car off, or I would have a warning ding that would go off in my car when I turned it on if my payment was late. In XXXX of XXXX i paid my payment up for 2 months and US auto sales shut my car off due to no payment saying my payment went toward an insurance they had when I had already had and insurance on my vehicle not thru them In XXXX of XXXX I found out that the company ( Westlake ) I brought my car thru was no longer in business from the news, I then received a call from Westlake XXXX XXXX asking me to make a payment of XXXX saying I was 3 months behind, I ask who they were, and the agent processed to say are you going pay or not I asked if they had my contract with their information on it they said yes and sent me my US Auto Sales Contract , when trying to find out who and where my car was taken I was told to call a 3rd party that told me ( Good luck getting your stuff ) and hung up on m they would tell me where my car was and then I found out it was in Georgia at the time I was XXXX there was no way I was getting to Georgia to get my stuff. I haven't gotten any information since they filed collection on my credit. My XXXXien holder had the company of US auto sales at the time and now it just says N/A. 
On XX/XX/XXXX they sent Contact information and payoff letter after requesting my Contract from them, with a whole new Account number. 
On XX/XX/XXXX they sent me a Payment History Letter, but it starts all payment from XX/XX/XXXX nothing prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive frustration after many months to get a bad account off my credit, I can not buy a home until this happens. Wells Fargo Cash on Demand # XXXX XXXX XXXX XXXX is from XXXX, my ex-wife opened this for a school loan when we were married, at the divorce and clearly stated on the final divorce decree, this debt will remain with my ex-wife, she agreed it was hers, this was XX/XX/XXXX, and Wells Fargo seems to think as the secondary on the note they could come back to me if she quits making payments, I guess after it went to collections a few years ago, my ex agreed to a payment plan to settle the debt, looks like that will take years, Wells Fargo admitted to me that she has been making on-time payments for a few years. My attorney has told me that even if she defaults again, Wells Fargo can not make me responsible whereas the court has taken that from me thankfully.I have spoken with Wells Fargo numerous times and have finally worked my way up to management, XXXX XXXX, I hope I have her name right in the Executive Office, she just sends me to other departments and I have not yet found anyone willing to help, this is a horrible injustice to me, to keep me from buying a home for a account I have no power or ability to resolve, and the blatant disregard to at least try to help is criminal, they are no longer returning my calls, I have remained kind and patient. Please Please Please help me with this, really do not know where to turn, with all the negative press and news coming out of Wells Fargo I am not sure why they can remain in business, one of the folks in collections told me Wells Fargo has gotten way too big and there is no way they can service all they have out, just as a note my ex wife applied for this credit using my name and SS # without my permission, their so-called fraud dept was no help at all, please let me know what more you need from me, I am desperate and homeless, no rentals here in Utah and its killing me, Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This XX/XX/2023 I received an alert from EXperian regarding my disputes updates on all of my accounts that are associated with my discharged bankruptcy ( attached ). The report is still inaccurate because balances are still showing on report, status not corrected, past due/Negative/delinquency/deragotory, should not be reporting negative months if debt was discharged in bankruptcy court, all mentioned is showing inaccuracies on the credit reports of these accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX, Acct XXXX, Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX & XXXX Any other Acct Ive missed that should be included. remove/ or update The XXXX credit bureaus have also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Please remove or update all accounts to show all below : 1. Account balances should be {$0.00} or blank.

2. Status of Account should be " Included in Bankruptcy '' OR " Discharged in Bankruptcy. '' 3. Any " Past Due Balance '' must show as {$0.00} or blank.

4. Any " Charge-Off Balance '' must show as {$0.00} or blank.

5. There can not be any monthly delinquency reported AFTER your Bankruptcy Case was filed.

You are causing my credit score points to go down because your staff arent updating theyre causing scores weekly to drop that went up. Now my score is poor not fair This is a violation of my rights.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
This is a demand of removal!!
Product: Payday loan, title loan, or personal loan

I paid {$500.00} a month extra to shorten the time for pay off. 
Bank used that money to make payments 8 months in the future instead of paying on the balance. 
When I sent checks to the bank they cashed one of them for the numerical amount instead of the written amount. 
Paid off the loan in XXXX XXXX, have not received the title or refund of payments paid in the future. 

Paid off my loan on motorhome, bank did not send title or release of lien. 
I have contacted them several times, they said they sent items, I have never received them. 
Bank is Ally Bank
Product: Credit reporting or other personal consumer reports

Please refer to the attached XXXX  I have submitted with this complaint for complete information and reference. 

At some point around the time that an account was opened with Merrick XXXXXXXX XXXX XXXX, my purse was lost/ came up missing and inside of it was my wallet and other documents ( bills, etc. ) from the mail I received that day all of which contained sensitive information that would be valuable to anyone wanting to use it to steal identity and that is exactly what happened. 

I had absolutely no idea that the account was opened until I ran my own credit report and monitoring because I saw how low my score had gone. I was shocked to find the outstanding amount to be over {$800.00}. I did not spend any of that credit, I did not open the account I did not charge anything to this account and i filed a dispute with XXXX whoc resulted in the company, Merrick, basically refusing to remove it from my report. I am not going to pay a cent to them because number 1 I did not open this and I did not charge anything to the account. I never knew it existed it was created without my knowledge by a person assuming my identity and this company dropped the ball during the identification verification process.

it is highly likely they were conned and this account was fraudulently opened. it is not my fault this company was lied to. please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX CAPITAL ONE accessed my credit file with XXXX, XXXX, AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX Capital One sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy Capital One Client. As up to date, XXXX  shows the 3 inquiries ( the XXXX and XXXX one XXXX  and XXXX  took off, plus this precise one ), and both XXXX  and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask Capital One to help on this matter, to avoid having unnecessary discussions with a happy Capital One client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates stop the infringing on my right to privacy.
Product: Payday loan, title loan, or personal loan

GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!
Product: Debt collection

As per my conversation w/a representative from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.
Product: Mortgage

I received a notice in XXXX stating that there was going to be a deficit in my escrow account. I went in to a branch on XXXX and paid the escrow deficit in full. I received a notice stating that my payment of {$2200.00} wasn't enough and I needed to increase it to XXXX. I got a monthly statement XXXX stating I owed XXXX and then another one stating I owed XXXX. I contacted Wells Fargo mortgage on XX/XX/year> trying to get information on what the heck was going on. The customer service rep didn't understand why my payment was increasing after I paid the full deficit nor did she understand why I was receiving another increase for my escrow of XXXX. I received that notice the next day. I do not know why my monthly amounts are increasing if I pay the deficit in full, why there are so many deficits, including the next request for {$2200.00}. If I call the mortgage company I expect them to provide me with accurate answers. I did not choose Wells Fargo for my mortgage. i did my due diligence and went with another financial institution. Unfortunately Wells Fargo purchased my mortgage from them and it has been XXXX ever since. The stress and frustration they cause is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to complaint XXXX. XXXX took the appropriate steps and removed the items with the same documentation and citations of the errors. Equifax 's response is not acceptable as they did not state they have removed the erroneous item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX, and Experian during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX XXXX Transunion have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

Here we go as the REVENUE GROUP # XXXX is violation of my Hippa Rights and NEVER PRODCUED any information with support this debt and need to help accountable. I requested the Assignment of Debt, Validation of Debt and Method of verification. 

How can they continue to report this negative information to CA 's with supporting information which is required by the Fair Credit Act and they are in violation of Fair Debt Collection Practice as well. 

Why should I have to wait until they try and collection information that should have had in the first place! If would have paid this account it would have not been a delay with accepting my money ... 

What good is the CFPB if they will not do anything about collection practices of the nature? 

It's been over 60 days I have been dealing with this account, please remove ASAP or find yourself in small claims court where you will be paying me, for violation of my rights.
Product: Credit card or prepaid card

I am so disappointed with the customer service that I have received from Citibank, the card issuer for Shell Fuel rewards card. I recently opened a Shell Fuel Rewards credit card. I did this so that I could use it on the Shell mobile pay app but it has been nothing but problematic and frustrating, to say the least.

My first issue was trying to get the mobile app to recognize the card. I called customer service and had to jump through rings in order to get help. I was told that they ( Citibank - Shell ) did not recognize my card. How can that be? I understand the need to properly identify your customer but after several attempts they could not even identify the actual card and or cardholder, me. Talk about fraud prevention, wow. Why even give out a credit card then. Should I submit my blood type and DNA? Will that help? 
Then after finally getting it loaded into the mobile app, I go to gas up and guess what, I get an error message that I need to contact Citibank. And the process starts all over again. 
I called the other day on XX/XX/19, two times in fact, and was told that I cant be properly identified and that someone will call me back. This is unbelievable. All because I signed up for a card in the hopes of being able to use on the Shell mobile app, in the hope of reducing fraud so that I do not have to swipe my card at the pump. Again, I call and after giving my card number 2 or 3 times, they cant locate me or the card. Then after holding for a few minutes, I am told, sorry but we can not verify you. Again, wow. 
So now I have card that I can not use and they have not contacted me. I attempted to swipe it at the gas pump the other and was told it is declined. Citibank ran my credit and issued me the card and I registered the card online as instructed. So as a consumer/customer, what do I do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The actual account liability in this report is very mistaken and/or inaccurate, I highly recommend you supply an explanation which I am the party accountable with this account or completely delete the item out of reporting on my credit report. This entry produces me personally intense financial difficulty. Only because that your office has also established this account as truthful for a time already- I am again demanding for reinvestigation before I'm going to talk with legal counsel in regards to the wilful non-compliance within your agency is not giving me the material I requested during my past dispute. In addition, I highly recommend you give me a duplicate of the contract settled or voice conversation exactly where I authorized charging me through this account. In any other case, you need to take off this from my credit in line with the Fair Credit Reporting Act together with the Fair Credit Billing Act. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/2023 Dear Transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$160.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING IT BE REMOVED IMMEDIATLEY
Product: Vehicle loan or lease

Due to my current knowledge I have discovered that according to Title 15 US 1605, I was a victim of false and misleading information, and denied my own credit through the consumer auto finance company Santander.