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

The below happened with Citibank : I was charged {$650.00} by XXXX XXXX  on XX/XX/XXXX. I didn't provide them any of my information nor had any business to do with them. When checking my wallet, I noticed that my debit card was lost. 

I reported the card as lost and disputed the transaction on XX/XX/XXXX ; and Citibank issued me a temporary credit of {$650.00} on XX/XX/XXXX. The case number is XXXX After months of not hearing from them, on XX/XX/XXXX I was charged {$650.00} for a reversal of the credit provided to me for that transaction. I called them on the same day ( XX/XX/XXXX ) to see what happened, and they let me know that the investigation didn't go in my favor. 

I tried to re-open the dispute and they mentioned I need to send a fax or letter to their Billing Dispute Unit and they don't know how long is it going to take for them to reimburse me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Bank account or service

On XXXX/XXXX/16 I called TD Bank to inquire about a {$100.00} ATM withdrawal shown on my Convenience Banking Statement for a withdrawal date of XXXX/XXXX/2016. I spoke with a man identified as XXXX, with a first name of XXXX. I made it abundantly clear that the information I want is the EXACT location of the ATM machine from where the money was withdrawn. I stated this several times to XXXX that was the purpose of the call - so I could trace back my activities for that day and time to a specific location and discern if, indeed, I visited the location from where the ATM was used, as I could not recall withdrawing any money from an ATM on that date. 
You can see from the attached email chain that the bank did everything but answer my question - that is, to know the exact location of the ATM machine. On subsequent calls they only read back to me the same information already provided in the statement, to wit : XXXX XXXX - XXXX XXXX. 
That is NOT an exact location. XXXX runs for XXXX miles. So it is clear they are unable or indifferent or holding back information on the exact location. I believe they are obligated to pass on that information. Yet, if you read the email chains uploaded in a txt file, you will see that they are just spewing out the same information over and over again without telling me where the ATM machine was located. 
Again, I am asking for them to identify the address ( with street number ) of the ATM. 
Thank you!
Product: Credit reporting or other personal consumer reports

I want to remove/delete an account my credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX Account number XXXX XXXXXXXX and the last reported balance {$1600.00} in accordance to my Equifax credit report. I do not recognize this account and I've called XXXX XXXX to try to get more information about this account. Please delete this account from my credit report. I'm going to upload some proof of my identity such as a Massachusetts ID card and a Social Security Card.
Product: Credit card

I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to refinance my home & have been searching for the best interest rates. On XX/XX/2022, I contacted loan depot.com. I answered some questions & was told they would call me back within the hour. They never quoted me an interest rate. I Never gave them authorization to pull my credit report. And I never heard back from them. I've since called them 5 times, left messages & never received a call back. They did a hard pull on my credit which has negatively effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone name XXXX from XXXX XXXX XXXX called my parents home listing my name and last 4 digits of my SSN taking they attempted to serve some papers to my home and if I didnt contact them in the next 24 hours they would contact me on my job.
Product: Student loan

On XX/XX/year> I filed for a XXXX XXXX Bankruptcy. All my debts including 3 Parent Plus loans were discharged. The loan servicer at that time did not close the discharged loans but several years later consolidated the amounts into a regular student loan even when they were to take the balances to XXXX upon discharge. The court and myself provided the discharge paperwork. Now a new lender? Continues to report a loan on my credit report. I tried to communicate with them and sent a letter over 60 days ago with a copy of the discharge. I communicated with the court and with the Dept of Education to validate that Parent Plus loans are subject to discharge on a XXXX XXXX Do I need to deal with this through the Texas Attorney General? This a FDCPA violation. The company is Aidadvantage out of XXXX, TX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, equifax i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information on my credit report. My TransUnion credit report is reporting an account on my report from XXXX XXXX which is indeed not my account. It's does not report on XXXX or XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with TransUnion plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX   account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues within the platform. despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed this frivolous accounts and also inquiries that does not belong to me.
Product: Credit reporting or other personal consumer reports

I have all these different hard inquiries on my credit report that are not mine and are fraudulent. Please remove off my credit bureaus they are hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks
Product: Debt collection

A car was purchased by my mother with me as a cosigner from XXXX XXXX and was handled by a company called Bridgecrest. 
There was another complaint about them from me a few years thar resulted in nothing but now there are other circumstances. 
Their agreement stated that is one of us were to become deceased or the car totalled in an accident they would cover the rest of the loan as paid. 
My mother passed away in XXXX of XXXX  so that should have made the loan dissappear right there and the car was totalled in an accident involving a disoriented driver jumping the curb, hitting the car, and knocking it into my neighbors yard causing damage to their house. 
XXXX was supposed to report this to XXXX but they wouldn't give my anymore info AS I WAS NOT THE OWNER OF THE CAR PER THE TITLE AND THEREFORE COULD NOT PERSONALLY REPORT THE CAR TOTALLED HAVE IT TOWED OR ANYTHING ELSE. 
Eventually as the insurance company would not let me arrange for towing I just let the city of XXXX impound the thing as again I am not the owner just a cosigner.
Product: Debt collection

Midland Collection has been calling me as early as XXXX XXXX XXXX, which violates both the BTTC and state law that restricts calls to between XXXX AM and XXXX PM. I have no association with these people and do not owe them anything. Receiving calls this early is harassment.
Product: Debt collection

I received notification that I had a new collection account on my credit report. It states that it is to collect a medical bill. I have written them letters to have them returned to me for " attempted - not known '' and " refused ''. I have tried to call with zero response. I have no idea what this is for but I have 2 forms of health insurance and was never even informed I had outstanding medical bills nor did this collection agency ever send me anything.
Product: Debt collection

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Debt collection

API calls themselves a " Mediation Firm. '' This is a euphemism for a debt collector. They have called my number ( above ) numerous times during work hours. Thirty minutes ago, they left a message with my employer. Twice within the last 48 hours, they called my mother in Florida. Several of the voice mails for me reference that " I have a decision to make '' after stating the license and make of my vehicles. The lady with whom I spoke on the phone a few moments ago was incredibly rude after I asked her company to provide me a " validation of debt letter. '' She said they emailed one. They did a few weeks ago. I requested, per law, that her company send it through the US mail. She replied, " What, now you 're an expert on Fair Trade Law! You 're a professional debtor! '' Then she hung up. The case number in reference is XXXX. Before I got mad on the phone, I asked if we could be congenial since there are Fair Trade Practices for debt collectors, or as she calls them " mediation firms. '' She remained ugly on the phone. As stated, they have called me multiple times and left threatening messages ; they have called family members multiple times. Enough phone harassment.
Product: Credit reporting

Response disputed Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. An adverse account will be automatically deleted 7 years from the date of last activity. Written confirmation was mailed on XXXX/XXXX/15. 

THE ABOVE paragraph is the silly response that Equifax has just sent me via my complain regarding account labeled XXXX. I disputed its age, and its unlawful re-aging and also the fact that all of the necessary credit history had been deleted. Equifax sent me this response and it makes NO SENSE! I do not know if they have deleted it or not. This account needs to be removed as it is unlawful and violating FCRA Law, they sent me this vague answer. How can it be removed after 7 years AUTOMATICALLY, as they claim, if they have lied to me and deleted the history which I was disputing as inaccurate in the first place. please help me, I am desperate and confused here.
Product: Credit reporting or other personal consumer reports

These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing.
Product: Credit reporting or other personal consumer reports

I am writing regarding the ongoing issue concerning the late open accounts inaccurately listed on my credit report. I have provided all necessary documentation and followed the required procedures to dispute these erroneous entries. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

I require the following actions to be taken promptly : Immediate Correction of Late Open Accounts : Ensure that all late open accounts are accurately reported on my credit file, reflecting their true status.

Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences.

Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. 
Compensation : Consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. 
Failure to address this issue promptly will leave me with no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXX  Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company stole my information and reported it to my credit report
Product: Credit card

On XX/XX/XXXX, I noticed activity on my Best Buy citi bank credit card. It was a near {$2000.00} in store transaction at Best Buy that I did not make. In fact I was at home studying for the XXXX when it occurred. I contacted the bank immediately and requested the charge be disputed. I assumed after that that the issue would be handled and I would be contacted by the bank. In XXXX, I noticed that no action had been taken in the matter. I contacted the bank again and was told that the charge was not disputed. They accepted that it was an internal error in their system and initiated the dispute. I received no letters of rebuttal or request for my statement or information. On XX/XX/XXXX, I received a letter from Best Buy explaining nothing more than the fact that I had lost the dispute. Best Buy citi bank has been egregious every step of this situation. It is unjust for me to pay for a {$2000.00} purchase that was made while my card was stolen.
Product: Checking or savings account

I had a echecking account w wells Fargo 2 yrs and I put more than XXXX a month and every month they charged me {$10.00} that's was unfair it was unfair they was continue to take saying deposit {$500.00} XXXX put three time that still charge {$10.00}, I closed that account XX/XX/2021
Product: Credit card

On XX/XX/year> I received an email from Capital One CreditWise service purporting to monitor my credit score.

I have not had a credit card or any type of relationship with Capital One since XX/XX/year>. 

I did not authorize the continuing " monitoring '' they claim to do. 

On the website there is not a readily available method to opt out of the service. Calls to customer service are met with a ten minute hold time. 

This is a privacy issue. However these tactics are not surprising coming from an underhanded company such as Credit One.

I cancelled all credit cards with Capital One due to poor service in the first place.