23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Before XX/XX/22, have XXXX credit cards with CITI registered to an online userId. 
XX/XX/22 - Create CITI checking account XX/XX/22 - Fund initial deposit of {$20000.00} from external account to CITI XX/XX/22 - Receive email stating that debit card, account information will be sent by mail XX/XX/22 - Schedule XXXX additional deposits of {$10000.00} from external account to CITI XX/XX/22 - Checking account marked for fraud, ALL online access blocked. Not just checking account access, but also access to view credit card balance, view transactions, or pay credit card balance online. 
XX/XX/22 - Contact customer support to unblock checking account, no helpful information provided. 
XX/XX/22 - Receive email saying my Checking account activity violates terms of service, client manual. Deposited funds will be refunded via check sometime over 60 days. My life savings are in this account, by the way. 
XX/XX/22 - Contact customer support over phone, ask to appeal account closer. Informed that decision to close account is final, no appeal possible. Ask if there's anyway to receive my life savings deposited into the account any sooner than 60 days. Directed to visit branch. 
XX/XX/22 - Visit physical branch, informed that branch can not help as access to account is completely blocked by CITI 's security team. Directed to continue discourse with CITI support over the phone. 
XX/XX/22 - Contact CITI customer support over the phone, notified that the external bank can simply create a bank-to-bank transfer request to refund the deposited money if money is needed before 60 days. 
XX/XX/22 - Contacted external bank customer support, informed they have no idea what CITI is talking about. No request, to their knowledge, can do that after ACH transfer has been deposited. 
XX/XX/22 - Contact CITI customer support again, this time to create a new online userId just for credit cards so I can have access to credit card services. Separate from the locked checking account. Actually successfully managed to do this. 
XX/XX/22 - Contact CITI customer support again, informed that as the external bank can't help, and that a physical branch cant help, I will have to wait up to 60 days to receive my life savings through a check. I resign in defeat. 

Total of 5 hours and 31 minutes spent on the phone. 
Account closure process began 3 days after account creation. Didn't even have a chance to receive the mail to view account number or debit card details. 
No explanation was ever provided to why the account was closed other than a blanket statement of fraud.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  billed me {$47.00}. I paid them via online. I have a receipt to prove it for my understanding XXXX XXXX XXXX XXXX XXXX XXXX has gone out of business and now I have a collection agency trying to collect money for services I have already paid for and they will not take care of it. They are insisting I pay for a debt that has already been paid.
Product: Credit reporting or other personal consumer reports

I become aware of my idenity theft some time in XXXX. I saw this account opened under my name. I plan on disputing this account and sending this report to the three major credit bureaus. I have no association with this account or had any knowledge of them being opened until XXXX XXXX. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Product: Debt collection

Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!!
Product: Student loan

I have been contacted by Core Recoveries, LLC, which claims that I owe {$70000.00}. They will not state what this debt is for, and I have routinely indicated that I do not owe any student loans. Without debt verification or validation, I can not get them to correct their records. The date of the letter is XXXX XXXX, 2016. Since utilizing the CFPB complaint process, I have had a non-existent loan transferred to XXXX different collection agencies, none of which want to produce actual documents. This process is not working at all and has damaged my credit in an unimaginable way ; now I have credit entries from XXXX collection agencies, and my " student loan '' entries have ballooned to more than XXXX. My credit report is XXXX pages long. The more I work to correct these erroneous and fraudulent listings, the more the situation expands exponentially. I do not owe on, nor did I ever take out any student loans. I do n't know how much more simple this can be, but for some reason, the more I state it and write in about it, the more collection agencies become a part of my life. Their letter threatens 15 % wage garnishment, " without having to bring action in Federal Court. '' No matter how many times it is stated that this is illegal, these debt collection agencies do not cease these practices. I live in the state of California, so I know that they are also violating the XXXX Fair Debt Collection Practices Act. Nevertheless, nothing is being done to stop these agencies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Checking or savings account

Funds are missing from my JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX CHASE account. I also sent payments that do not reflect actual payment to the people sent, but money is missing from my account.
Product: Bank account or service

Complaint is with Chase Bank. They 've never kept my notifications up when they promised they would, causing charges to come about unexpected. 
{$60.00} bill was taken out of my account at XXXX I deposited {$80.00} at XXXX Chase charges me an additional {$30.00}, claiming " Because of Time Zones we can charge you a late fee early ''. Account is now negative, at risk to MORE overdraft fees and I do n't have any more money to put in. 
Chase refuses to refund the money, stating " We 've already done it for you before '' Chase Bank is robbing people. Simply put. 
Chase is robbing people who do n't have any money. 
This stupid world is filled with crooked company 's shaking people 's pockets out and taking everything. 

My complaint is simple, but it makes a big impact on people 's lives. The quality of life which is stressed and burdened by scum bag companys is no longer acceptable. I 'm doing everything right and timely yet still being punished.
Product: Bank account or service

Rush card have cause my bills to be turned off it 's showing I have no money when I do they wo n't talk to u put u on hold for hours XXXX.
Product: Debt collection

I noticed today ( XX/XX/2020 ) that WORLD FINANCE CO # XXXX has reported a Charge Off ( Account Number XXXX  XXXX ),  on my credit report with a Date Reported of XX/XX/2020. I have been enrolled in informed delivery with USPS for over a year now and have not tracked any correspondence from world Finance. 

If they claim the sent any correspondence, please PROVE this with a tracking number that I received such. Please note : A letter with a date is not proof as this can be generated at any given time. 

I have NOT received ANY communication from World Finance about this debt. World Finance is in violation of the Fair Credit Reporting Act ( herein described as " FCRA '' ), section 623 7 ( A ) ( i ). 

Furthermore, FCRA Section 7 ( B ) ( i ) states that ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 

I demand for this trade-line ( Account Number XXXX  XXXX ) to be remove immediately from any and all credit reporting agencies that they are reporting to, and do NOT reinsert this trade-line. 

I will also be filing a complaint with the FTC and Georgia 's Attorney General office. 

I will not hesitate to bring legal action against WORLD FINANCE for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Yours truly, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I opened my Discover app to check my current account status. I noticed 2 withdraws out of my savings account, one for {$2500.00} and then another for {$2400.00} from a XXXX  XXXX company. I then called the customer service line immediately. The customer service rep froze my accounts per my request but said he cant do anything about the withdraws and that I need to talk to the security team. He said the wait time was approximately 1 hour and asked if it would be ok to wait that long, if not to call back the security line directly from XXXX to XXXX XXXX. I took the number down but told him I am more than concerned due to the amount and would be wiling to wait. I was on hold for 3 hours and 32 minutes to have the call dropped. I had to continue working so I had my wife call and she had almost the identical experience, around 3 hours and 11 minutes on hold and her call was dropped. 

After not being able to reach anyone on XX/XX/23 I decided to call at XXXX XXXX  XXXX the XXXX number given. I finally reached a customer service rep after being on hold for 28 minutes. This rep told me that she couldn't help me and that I needed to call XXXX to get help with that. I said " I wish I could screen shot my phone and send to you right now because this is the number we are on ''. She said right but the security folks are not available until XXXX XXXX  XXXX. I then asked so you are requesting me to call back in 15 minutes to be able to speak to someone in security. She said yes. 

I called back 15 minutes later at XXXXXXXX XXXX XXXX to receive the automated message that they are experiencing a high volume of calls at the moment and to speak to a specialist would be over 3 hours. I hung up as I had to go to work and had my wife call. My wife has been on hold twice today now for over 3 hours. I still dont have any resolution or any way to get ahold of anyone to discuss this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Cross-country Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with Experian & XXXX. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, Experian determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with Experian, providing once again the proof of payment. 


XXXX has not updated m report after closing the investigation.
Product: Debt collection

Have blocked number several times and they change the number they are calling from. Caller ID always shows Portfolio Recovery for all the different numbers. Have answered the call and requested I not be called anymore and they are still calling.
Product: Credit reporting or other personal consumer reports

It has come to my concern that even tho the CFPB has put a new law/rule into place regarding the reporting of alleged medical debt {$500.00} or below you are violating my consumer rights. 

The below account is reporting {$340.00} on my consumer report which clearly the CFPB says that these accounts must be deleted from consumer credit reports! 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX. Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 consent.

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.
Product: Credit card or prepaid card

The last statement I received was datedXX/XX/XXXX from Citi Bank Visa. <P/>I would like to ask the Consumer Financial Protection Bureau to interceded on my behalf. I have been trying to get a final statement from Citi Bank since my wife 's death XX/XX/XXXX. The account was since closed and credit cards were cancelled on that same date. <P/>On XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX, Idaho issued a credit of {$3600.00} to XXXX 's account. At no time did Citi Bank acknowledge that the account was closed and the Visa card was cancelled since XX/XX/XXXX. XXXX XXXX XXXX Hospital has contacted Citi Bank and requested the return the funds to no avail. Citi Bank has failed to respond to me of the hospital as of this date.
Product: Debt collection

This letter serves as a formal notice that you are to immediately cease and desist from harassment, infringement, and contract violation, These actions are unlawful and are causing harm to myself. 

This debt doesnt belong to me and my social has been found in a data breach Your actions constitute a violation of laws, and if this conduct continues, I will have no choice but to pursue all available legal remedies, including but not limited to seeking monetary damages, injunctive relief, and attorneys fees. 

To avoid legal action, you must : 1. Immediately stop sending letters 2. Provide written confirmation that you will comply with this demand within 10 days from the date of this letter.

Failure to comply will result in legal proceedings without further notice. This letter serves as formal notice of my intent to protect my rights.

I strongly urge you to take this matter seriously. If you have any questions, you may contact me at the information listed above.
Product: Checking or savings account

On XXXX XXXX there was an unauthorized withdrawal of {$2000.00} from my checking account ( Wells Fargo Bank ) I called the bank as soon as I found out. Customer service rep. told me to file a claim with the police department which I did right away. 
Bank was also investigating my claim but never provide me with any updates. I been told that the transaction was made using my card and PIN. 
I had my card in my possession at all times and did not give my info to anyone. 
Bank never provide me with a video or any other proof who withdrew the money. Therefore, Wells Fargo Bank refusing to return my money without providing any additional info to me. 
I opened 2 claims and had the same answer. I would like to have your help to investigate this matter.
Product: Credit reporting or other personal consumer reports

My credit reports are displaying inaccurate information for all three major credit bureaus for The XXXX XXXX account showing the account status as bad debt when the account should display paid as agreed or payment plan pp. This account is not bad debt and in actuality is being paid as greed. The account balance is XXXX! Transunion shows there information for this account as charged off as bad debt, showing a balance of XXXX, which needs to be properly updated as paid as agreed. XXXX displays the XXXX XXXX account as unpaid, and a balance of XXXX, which needs to be updated as paid as agreed including false updates with this report. Also, XXXX displays the information on this account as Charge off, with a balance of XXXX which the account status should display paid as agreed. The report date is referencing XX/XX/XXXX. I have paid on this account as of XX/XX/XXXX. The debt was sold to a lawyer could possibly be an impersonator of a lawyer for XXXX XXXX. XXXX  XXXX has sold their rights to this debt and should not be able to provide information upon an account they no longer have ownership of. I have been making payments on this account since XX/XX/XXXX. By law my credit reports should be updated to show that I am not negligent. The current balance on this account is XXXX and my utilization should not be 97 %.
Product: Debt collection

Amsher Collection Servicrs Inc. placed a debt on my credit without sending me any prior notification of my right to dispute this debt as required by law. I have no knowledge of this account and this debt is not owed. I don't have a contract with XXXX or Amsher Collection Services Inc. I disputed this debt with XXXX  and it was removed then place on my XXXX and XXXX credit report again without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report I noticed several inquires to companies that I have not applied for or have ever done business with listed on my credit report. I contacted the credit bureaus & they did nothing to assist. I have attached an identity theft report to this request.
Product: Credit card or prepaid card

Two unauthorized transactions in the amount of {$1400.00} and {$1500.00} were charged on my card XX/XX/XXXX. Before that date I was on vacation in XXXX Washington with my family, we stayed at XXXX XXXX. During that vacation I lost my card. So I reported the charges to my bank. I filed a claim with Wells Fargo and they credited my account in the amount of {$3000.00}. Later in XXXX I get a later stating they will reverse the credit on XX/XX/XXXX because the merchant responded and they have compelling evidence that I made the purchase or someone authorized did. I tried to appeal the decision but claims department refused and told me to work with the merchant. So I made a complaint with the cpfb and Wells Fargo executive office escalated the claim. They investigated for 10 days and they stuck with the claims departments decision. The merchants compelling evidence are proof of delivery and signed packages. My proof is that my card was lost, I reported the charges as fraud. My family nor I were home when the packages were delivered. The packages were delivered the XXXX and XXXX of XXXX. I was not home XX/XX/XXXX through XX/XX/XXXX, which I was only home for a brief moment to pack and head out to the airport for another trip. So therefore it is impossible for me or anyone in my house to sign for any package, to receive any package. The first package delivered XX/XX/XXXX was signed by someone named XXXX XXXX, I dont know anyone named XXXX XXXX XXXX The second package was delivered but no one was there to receive or sign for it so they left a notice. A few minutes later someone signed for it. NO ONE WAS HOME, WE WERE ALL GONE. When I came home on the XXXX  there were no packages, nothing. I have written statements that my card was lost by people who were in XXXX with me. I have written statements by my father who was preparing to see stating that I did not have my card with me in Idaho because I left it in Washington. I have plane tickets showing my flights. I was screenshots of usps tracking that someone signed for XXXX XXXX and they failed to deliver the second package because I am out of town. Wells Fargo is unwilling to help me. My proof is more compelling than the merchants. They still wont help me, its XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX {$490.00} {$1700.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$0.00} {$2300.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$110.00} {$500.00} XXXX XXXXXXXX XXXX {$340.00} {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} {$1700.00} US SM BUS ADMIN ODA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

LVNV has deleted the two collection accounts and canceled the payment arrangements I made. I never made any such request to cancel the arrangements. Lvnv is still reporting these two accounts to my credit file. They continue to lie about this to try and make me out to be the liar. When I was sent two e-mails when lvnv canceled the payment arrangements and they closed the two collection accounts and sent them back to the creditor. They have no right to continue to report these two on my credit report. If they cancelled my payment arrangements,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information on the attached document is not any transactions related to me. This is a result of identity theft.