23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank is blatantly disregarding the terms of their own card agreement and practicing corrupt behavior as well as breaking the federal fair credit act. They are legally bound to the card agreement we agreed to upon card application but they have disobeyed the terms. 
A merchant has charged me for services they did NOT provide. I complained to Citi, the credit card provider, and to the merchant as well. The merchant agreed to credit me for lack of services. That refund never posted because Citi temporarily credited me for that complaint and at the time of the refund disbursement from the merchant the credit from Citi was still in effect. However, Citi subsequently rebilled my account stating they needed a credit slip from the merchant. I promptly submitted the credit slip where the merchant agreed to refund me but despite Citis promise in WRITING to credit me upon proof of the credit slip from the merchant they disobeyed their agreement and refused to credit me. Again the money is in Citibanks hands because they are the ones that billed me. Despite their written promise Citi outright disobeyed their own promise and completely reneged on their own terms of our card agreement. Whats worse is they simply ignore me and refuse to even dispute the charge. This rotten bank is taking blatant advantage of minority consumers they deem have no power against their big corporation.

This corruption and abuse of consumers must be investigated. Big banks can not continue to take advantage of minority consumers. I have a written agreement from the merchant promising the refund yet Citi refuses to return my own money and continues to bill me this amount. 
Please investigate and promptly refund my money.
Product: Money transfer, virtual currency, or money service

In XXXX someone was accessing my computer remotely, someone called me and stated that my computer had a virus and they need to access my computer do remove the virus for XXXX. When they accessed my computer remotely they made purchases without my consent or knowledge. They made a purchase through XXXX for more than XXXX which AFFIRM paid it in full, and sent the items to another state. I dont know how this happen, but i update my passwords and got another computer... 

I contact XXXX, and they told me they refuse to help me, and told me to contact AFFIRM, i contacted AFFIRM and they said i was liable for the merchandise. Even though my account were compromised. 

Its not fair that i was hacked and made a police report and contacted both companies to stop the shipping when i noticed it. 

Only to be held liable XXXX Order number XXXX AFFRIM LOAN ID : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX & XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish information related to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid the account XXXX XXXX, XXXX. I talked to the person on the phone and they said it would take 24 hours to clear and for them to make the change from collection to paid and closed. I got a status update that it was changed from collections to paid and closed. In XXXX I got a 90 day late alert for that same account. I tried to have it fix with a series of Good-Will letters with the company and dispute with the credit agencies of the errors on the delinquencies being reported wrongfully. It comes back verified but nothing was changed. I filed a CFPB complaint XXXX XXXX and then on the XXXX of XXXX I got a letter that said that the account is now being serviced by Galaxy International Purchasing LLC. When I contacted them today they said they own the account as of XXXX XXXX XXXX. I have not received any letters prior to this first letter, they have dated XXXX XXXX, XXXX. I called XXXX XXXX because Galaxy told me to call XXXX XXXX. I was talking to a gentleman named XXXX and asked him about the 90 day late as of XXXX XXXX. He said that they have got the good will adjustment letter. That is why they updated my account with the 90 day late. When I talked to XXXX about the 90 day late he could not make an adjustment even if there was something wrong, he said I need to dispute it and I told him that I already did and it would come back verified. Than all he said was " sorry, there is nothing else I can do ''.
Product: Payday loan, title loan, or personal loan

Over the last year, we received invoices for amounts due to Speedy XXXX. The invoice stated that my husband, XXXX XXXX, took out a XXXX XXXX in XXXX for {$350.00} at 359.006 % interest and now {$780.00} was due in full. We assumed this was a hoax as he never took out a loan from Speedy XXXX. We have now received a letter from XXXX XXXX XXXX out of XXXX IL dated XX/XX/XXXX starting that this was a verification of debt. The original creditor is listed as " SCIL , INC D/B/A SPEEDY CASH ''. The creditor 's account number is listed as XXXX with a date of opening as XX/XX/XXXX. 

This loan is not legitimate. A loan was never taken out from this lender by XXXX XXXX. The amount will not be paid for a loan never legitimately taken out. 

Please help. This just recently is now being reported on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been building my credit and tracking my credit daily with XXXX XXXX, XXXX XXXX, and XXXX. All of these show different scores. XXXX XXXX and XXXX XXXX shows XXXX and XXXX shows XXXX. I tried to get XXXX XXXX for a medical procedure and it denied me and said my TransUnion credit score was XXXX ... these are 100 point differences between each company. I called TransUnion and they referred me to you guys. Im not sure why this would be, but Im trying to build my credit to buy a house and car and I really needed XXXX XXXX for this medical issue. Ive paid off EVERY delinquent account I had over the last year and my score has been steadily rising. It hasnt been at XXXX for over a year. It also shows a medical account that was delinquent and sent to collections on some but not others. And that was sent back to XXXX XXXX and is getting resolved through them. I submitted claims through the credit bureaus for that and it got taken off of some but not others. I just want it to get fixed and my actual score to get sent to XXXX XXXX because if I try to reapply and it shows that incorrect score again its just going to negatively effect my score. The score sent to XXXX XXXX was from TransUnion, Im not sure what XXXX XXXX or credit wise use, so Im not sure if it involves JUST TransUnion or all 3 reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS CURRENTLY REPORTING A BANKRUPTCY ON MY CREDIT FILE THAT IS NOT REPORTING CORRECTLY, I HAVE PREVIOUSLY DISPUTED BANKRUPTCY CASE XXXX WITH XXXX AND TRANSUNION AND IN RESPONSE THEY BOTH VERIFIED THE ITEM AS ACCURATE. STATING THAT THEY HAVE VERIFIED WITH THE COURTS. I CONTACTED THE COURT AND THERE RESPONSE WAS BY LAW THEY ARE NOT ALLOWED THE VERIFY ANY PUBLIC RECORDS WITH 3RD PARTY VENDORS SUCH AS TRANSUNION OR XXXX. IT IS CLEAR THE UNITED STATES BANKRUPTCY COURT DOES NOT REPORT TO XXXX OR TRANSUNION.THEREFORE XXXX AND TRANSUNION EITHER AN ERROR OR A LIE.EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C & 16811 ) AND THIS INFORMATION MUST BE DELETED.
Product: Checking or savings account

On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX  credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. I then receive a response from Santander Executive office in which they state that once I mail the affidavit they will reopen my claim. I speak to the lady that sent the letter, and she basically tells me that there is nothing that they can no longer do. Ive been calling and visiting branches none stop to get this resolved and no one has helped me. I always get the long run. I will be contacting my attorneys at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/XXXX Annual Credit Report number XXXX - Experian XXXX dispute and subsequent communications Experian reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday ( obstructions totaling 123 minutes ) and speaking with XXXX, XXXX and many others and XX/XX/XXXX Experian Customer Experience Survey Case # XXXX Experian again confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Experian has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please immediately provide all documents/records by return email to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to XXXX  is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX  is {$1200.00} as of XX/XX/XXXX.
Product: Credit card or prepaid card

On or about the second week of XX/XX/2021, I received a debit card from the Huntington National Bank in XXXX, OH. It was in my name but I had no knowledge of the account. I had not set one up. The debit card was followed about a week later by a letter from the same bank, welcoming me to their bank and the letter stated the account had been opened on XX/XX/2021. 

I did contact that bank and explained I had opened no such account and had it reported to their fraud department. it was them researched and closed per my request.
Product: Checking or savings account

The company is refusing to credit. The customer for unauthorized indoor fraudulent charges to his account. XXXX XXXX international all options have been exhausted prior to filing this complaint. The bank refuses to take the dispute from the customer despite numerous attempts in person and over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.
Product: Checking or savings account

They are XXXX complaints of Bank of America does anyone read someone case anymore and do the works I have evidence they stole from me and are lying to cfpd last time we did a claim fooling the government
Product: Debt collection

My son has multiple XXXX problems and gives my number for XXXX contact but I have nothing to do with his bill payment. I have received calls from the collection agency and have repeatedly told them this is MY number not his but I continue to get calls. This XXXX went to my answering machine " Monday XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX seconds " Please call us at XXXX. Our office is open Monday through Thursday from XXXX XXXX to XXXX XXXX XXXX. Friday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX XXXX. Thank you. '' This one did not leave any indication about it being debt collection but others have come in on my phone when I have had guests in my house who overhear these messages much to my embarrassment.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX XXXX Account ending in XXXX Balance due : {$4800.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Mortgage

I have been a consistent and timely payer of my mortgage with Select Portfolio Servicing for many years. Recently, due to unforeseen financial difficulties, I fell behind on a few months ' payments. I have now stabilized my financial situation and am capable of resuming regular mortgage payments. To address the accumulated arrears, I requested Select Portfolio Servicing to allow me to split the overdue amount over a few months, while I continue with my regular monthly payments. This was a reasonable request considering my previous record of timely payments and the temporary nature of my financial setback. 

However, instead of accommodating my request or offering an alternative solution, Select Portfolio Servicing escalated the issue unnecessarily. They referred my account to legal proceedings and initiated foreclosure actions. This approach was both unexpected and extreme, especially given the circumstances and my history with the company. I was informed that their refusal to negotiate a payment plan was due to adherence to their " system, '' a stance even their supervisor acknowledged as unfair but felt powerless to change.
Product: Credit reporting or other personal consumer reports

Someone opened a XXXX account under my name. They did this in person, in florida. I do not live in florida anymore, and the day the account was opened, I was working in XXXX arizona. I am a registered nurse at a hospital, it is impossible for me to be in XXXX places at once, thousands of miles from each other. I filed a dispute with experian, and XXXX denied my claim.
Product: Credit reporting or other personal consumer reports

I recently mailed a certified letter to Experian requesting an early removal of an account from my credit report that was scheduled to be removed in XX/XX/2024. Instead of accurately processing this request, Experian altered my payment history and changed the scheduled removal date to XX/XX/2024. This update significantly impacted my credit score negatively.

Upon calling the dispute center, I have been given conflicting information, and it appears that someone is manipulating my credit information. My account now indicates a late payment from two months ago, which is inaccurate as there are no accounts showing any missed payments. 

This situation has been ongoing since XXXX, and despite multiple attempts to resolve it, Experian has failed to address the issue properly. Their staff 's inconsistent and unprofessional handling is unacceptable. If this issue is not resolved correctly and promptly, I will pursue legal action. 

Thank you for your attention to this matter. Experian Membership ID : XXXX
Product: Debt collection

This is bill from XXXX XXXX that was a result of a data breach and someone using my identity this bill has 3 times found to be fraudulent and has been removed three times thus Credence management has refused to remove this inaccurate fraudulent account from my credit report
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Demand for DEBT BY COLLECTION AGENCY Dear, LVNV FUNDING I am writing to formally demand that you immediately cease and desist from threatening letters and calls that you have been engaging in. This conduct is harmful, unlawful, and has caused a XXXX veteran with XXXX with XXXX  and XXXX. Specifically, you are infringing on intellectual property rights, making false claims. You are hereby put on notice that your actions violate USC 15 1692G did not provide debt validation claim, my intellectual property rights and must stop immediately. If you do not cease and desist from these activities within, 14 days from the date of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to filing a lawsuit and seeking monetary damages, injunctive relief, and any other appropriate legal actions. 

To avoid further legal action, please confirm in writing within 14 days that you have ceased and desisted from the aforementioned conduct and that you will not engage in any such conduct in the future. 

If you have any questions or wish to resolve this matter amicably, please contact me at XXXX or XXXX @ XXXX. 

This letter is written without prejudice to any other legal remedies or actions that may be available to me. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My credit limit is {$500.00} only. I have requested for increase in limit for years. I have a very strong credit with XXXX XXXX score have never delayed a payment. Over the years I have opened a few new credit card accounts the other banks have over the period increased my limit to XXXX. Despite several requests, the bank has not increased the credit limit in line with my credit profile and they keep changing the reasons of decline.
Product: Debt collection

I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.
Product: Mortgage

Caliber Home Loans Foreclosed On Me and My Wife XXXX, XXXX XXXX They Won the Foreclosure!! However We Won a Judgement of XXXX Dollars Against XXXX XXXX XXXX Which was Our Credit Life and Disability Insurance Provider and as I Became XXXX They Denied My Claims But in Court They Lost Which Honorable Judge XXXX XXXX Awarded Me XXXX Calibers Attorney XXXX XXXX from XXXX, XXXX and XXXX XXXX XXXX in XXXX Ohio Agreed to a Stay UNTIL My Award was Collected and I Have Been Receiving Harrasing Phone Calls Morning Noon and Night I Have Asked Them to STOP Told Them The Attorneys Names and Numbers to Contact Them and They Continue to Harass Me and My Wife All Hours of the Night and Day if Something Dont STOP THEM I WILL Once and For All!!!!!!!
Product: Debt collection

XX/XX/2024 XXXX disputed because of inaccurate information