23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX  employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.
Product: Debt collection

This medical debt was accrued as a minor. A minor can not legally enter a contractual obligation in the states where this debt was accrued, a parent or legal guardian must sign the service and payment agreement. This agency is attempting to collect a debt NOT from the original owner of the account, but of the minor involved AFTER that minor turned XXXX. The debt was accrued in XXXX of XXXX. The minor was XXXX XXXX XXXX. The collection agency opened a collection account against the ( former ) minor in XXXX of XXXX, when the ( former ) minor was XXXX XXXX XXXX. This collection agency has tried to contact the ( former ) minor multiple times before they eventually blocked all phone numbers associated with the company to stop the harassment. The alleged owner of the account never received any written information before OR after the harassing phone calls about the debt, ownership details, amount details, or that the collection was reported to the three major credit bureaus. The alleged owner had to discover this account on their credit report after being denied a line of credit from a lender. The alleged owner did not have any knowledge before the phone calls that this debt had not been paid or turned over to collections ; there has been no written correspondence to the alleged owner ; and the alleged owner does not believe they are obligated to pay the debt since it was accrued when they were under the age of majority within the state the debt was accrued.
Product: Bank account or service

paypal ram roddded my XXXX account incurring XXXX fees repeatedly, then refuses to pay the merchant so assigned the draft for. XXXX should have closed the account, but paypal is at fault here.XXXX has attempted to settle my accounts as an act of good will.When I tell them ( paypal ) to reverse the transaction, they refuse ( nothing but lip service and no way to document a conversation ), my XXXX account gets locked as a side result kiling my internet phone service. THEN, they continue to not only show a negative paypal merchant balance, but proceed WITHOUT AUTHORITY to suck monies from a recently added ( for merchant purchases ) bank account to pay off a credit line held by XXXX bank, not paypal ( drafted my bank account ). They refuse to allow me to delete any other account, despite no longer owning them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a formal complaint # XXXX as to Experian credit reporting and the ridiculous, inaccurate and misleading response from XXXXxperians senior regulatory affairs associate, XXXX XXXX XXXX If you look at the pics sent in original complaint, XXXX XXXX XXXX replied to the complaint as being verified, confirmed as to a creditor, XXXX XXXX being suddenly appearing on my credit report in XX/XX/XXXX. This creditor, XXXX XXXX was a creditor, used by XXXXXXXX XXXX for financing was included in a bankruptcy filings in XX/XX/XXXX then XXXX in XX/XX/XXXX. Once additional information to this was provided, only then did this Senior regulatory affairs associate, XXXX XXXX suddenly replied to the XXXX that this information does not presently appear on the creditors experian report. Thats it, no explanation as to why XXXX XXXX with the position she has, confirms and verified this XXXXXXXX XXXX as accurately being reported on my credit report, now suddenly, with supplemental evidence of false information, did XXXX XXXX respond with a general letter of response of, XXXXXXXX XXXX information doesnt presently exist on my Experian credit report. This is totally inconsistent, incompetent and fraudulent reporting from Experians senior regulatory affairs associate, XXXX XXXX. Now today, I received an email to my backup account that Experian and XXXX XXXX XXXX are trying to deflect and quickly dismiss my complaint, stating that the complaint was being made by a XXXX party, or a person thats not listed on my account or authorized to act on my behalf. Thats a lie, and untrue. XXXX XXXX and Experian has used this time from XX/XX/XXXX filing to now to just respond with such nonsense, totally false and completely misleading statement. I am the consumer, filing this complaint, and No One Else! Again, another attempt to avoid responsibility for failure and falsely reporting inaccurate information and finding a way to avoid transparency to my complaint. My name is XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  My phone # is XXXX and my email, two I have are XXXX or XXXX. Lying, misleading and avoiding truth and transparency are being neglected and abused by Experian and their senior regulatory affairs associate, XXXX XXXX. I strongly recommend a full and thorough investigation of the regulatory affairs associate, XXXX XXXX for responding to my legal complaint and responding with false and misleading claims of unable to respond due to the reasons Experian has just sent today to the original complaint in XX/XX/XXXX. Experian and especially the senior regulatory affairs associate, XXXX XXXX are showing their incompetence and unwillingness to be transparent with consumers. I ask that you revisit this original complaint and find truth in this complaint and also hold such a high profile position person XXXX XXXX, a senior regulatory affairs associate accountable for this outrageous response
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Citibank for deceptive business practices, failure to honor a promised account opening bonus, and inadequate customer service. 

In XX/XX/2024, I initiated the process of opening an account with Citibank. The process was unusually cumbersome, taking over a week to complete a stark contrast to my experience with other financial institutions like XXXX, where I opened an account in a single day. 

During this protracted account opening process, Citibank employee XXXX XXXX repeatedly assured me that I would receive a {$2000.00} bonus upon meeting specific balance requirements. XXXX XXXX acknowledged that the initial promotional period had lapsed due to delays caused by Citibanks inefficient back office procedures. However, he assured me that the promotion had been extended. 

Over the following month, XXXX XXXX repeatedly confirmed my eligibility for this {$2000.00} bonus, contingent on maintaining a balance of {$200000.00}. We kept in contact and he made numerous references to myself being engaged in the promotion. However, it is now XXXX, and despite meeting the balance requirements for several months, Citibank has not honored this promised bonus. 

Furthermore, XXXX XXXX also pledged to refund various account fees, including incoming and outgoing wire fees, as part of this promotion. However, only a fraction of these fees were reimbursed, contradicting his initial commitment. 

Adding to these issues, XXXX XXXX neglected to inform me of a significant reduction in the promotional interest rate offered on my money market account. This lack of transparency resulted in my funds earning a subpar return compared to competing accounts. 

Since encountering these issues, I have attempted to resolve the matter directly with Citibank through numerous emails and phone calls over the past XXXX months to executive leadership at Citi as well. Despite providing detailed documentation, my concerns have been consistently ignored. Citibank has offered no tangible explanations, resorting instead to vague references to terms and conditions documents which have never been provided to me. This behavior strikes me as highly unprofessional and potentially fraudulent. 

I kindly request that the CFPB thoroughly investigate Citibank 's conduct regarding these deceptive practices, failure to honor their promises, and lack of transparency. I urge the CFPB to hold Citibank accountable for their actions and ensure they cease these unethical business practices. 

Thank you for your time and consideration of this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage company is now using a new fee bucket called " Default fee '' {$84.00}, its applied and then waived and the new fee bucket shows as unapplied for {$50.00} as debits and then credits. I have a complaint pending resolution for this same pattern of fee abuse, now its getting worse. The former fee balance was {$150.00}, it went down to {$86.00} now its up again to {$110.00}. THIS IS RIDICOULOUS, what on earth are these fees, what is a DEFAULT RELATED COST PAYMENT and a DEFAULT RELATED COST WAIVER Buckets... I make my mortgage payments every month < 30day late, the late charges were waived every month and now this is a new fee bucket appearing.

I want the investor/owner of my mortgage to explain to me what Shellpoint Mortgage is doing with my mortgage, Shellpoint is convulenting my payment history with these fee buckets and dollar amounts. I am in the middle of a financial transaction and this issue is causing problems for me when I present my payment history to my bank .... 

I WANT ANSWERS TO WHAT IS GOING ON...
Product: Credit reporting or other personal consumer reports

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 or other personal consumer reports

I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

In XX/XX/2021 we purchased a home that was on an XXXX auction in XXXX XXXXXXXX XXXX, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After receiving the title, Wells Fargo filed a XXXX XXXX against us and the previous owner who still owed on their property. We knew this could happen and were willing to pay the bank for the house, even though the debt was not ours. We thought that since they had abandoned it for over XXXX years, they would negotiate a good price. The outstanding balance at the time was {$260000.00} and we hired an attorney to help us settle the matter. We made multiple offers all well over XXXX and XXXX. All were turned down. I have reached out directly to Wells Fargo Leadership and no one responds or helps us come to a agreement. The judgement is now up to {$380000.00}, over XXXX in exorbitant fees have been added, not to mention the {$12000.00} our family has spent on legal fees to try and resolve this matter, to date. They insist on the foreclosure, although we have offered up to XXXX XXXX of the judgment, none of which is our debt and much of which is Wells Fargo fees. We have XXXX chidden that enjoy the schools here. We have been so stressed for almost XXXX years not knowing when we will be XXXX, by no fault of our own. We have invested tens of thousands to make this home that was abandoned to over XXXX  years, livable. We just want to keep our home and pay Wells Fargo for the others families debt and we have not been able to do so. Please provide any direction possible. Our family sincerely appreciates your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. This account has so much wrong with it I don't know where to begin. I was lied to about interest rates, late fees and more. I was threatened by creditors, and even after I explained that most of what is showing on my report is incorrect I've been treated terribly unfair. I've brought attention to these errors several times- asked for it to be escalated to manager, and never was helped. I would appreciate you paying utmost attention to removing these incorrect items from my report. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a request to XXXX XXXX  to investigate why a payment to my credit card wasn't applied to my account in a timely manner, I had to go thru hurdles to prove that the company had received the money but transposed two numbers and not credit my account appropriately. 
I contacted the company to resolve the problem, eventually sending a letter to the chief executive officer, and finally got some resolution to my complaint. However in submitting responses to my inquiry, the company inadvertently sent this information to the wrong post office box address that was unknown to me and incorrect. I do not know how the company got this information since I never submitted it to them. I am hoping that this action wasn't an attempt to discredit my reputation by insinuating that I am dishonest and shady by having two post office addresses, which is not true. I only have one, and have been using a post office address for my correspondences over the past 38 years.
Product: Debt collection

The number continuously calls, at least XXXX to four times a day, sometimes more. I always answer and every time I do the person in the other line never speaks, they just hold the line. Only once has a person ever spoken and when they did they asked for my social security number and said I needed to give them my number in order to move on with the process of the phone call. They have called everyday multiple times a day for almost two weeks now.
Product: Credit card or prepaid card

around XX/XX/2019 i had fees waived an because of the fees my credit limit went down from {$4400.00} to {$3000.00} an once the fees was waived my limit didnt go back to my original limit.i yall to them on XX/XX/XXXX
Product: Credit card or prepaid card

I made a payment on XXXX, and was told it failed due to non-sufficient funds. So I made another payment on XXXX, and was under the impression everything was fine. 

On XX/XX/XXXX, received an alert that my payment had failed. After discussing with my bank ( XXXX ) and XXXX ( credit card company ), I eventually learned that XXXX had collected my payment on XXXX, but did not update my payment history to show a successful payment. The status still shows both the XXXX and XXXX payments as returned. 

Even though XXXX had already collected the money, they tried 3 more times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to collect the money. They explained that they attempt to collect a payment 3 times after a failure, and that they consider both the XXXX and XXXX payments as being separate. Even though they had been paid, they tried to collect my XXXX XXXX more times afterwards, and caused an NSF with my bank each time. I also was hit with 2 different late fees from XXXX. 

XXXX has been great and offered to refund 2 of the 3 overdrafts, even though they weren't at fault. However, XXXX has refused to cover the cost of the third overdraft they caused, and they also would only refund one of the late payments. I would be satisfied with both of the late payments being refunded, because the net result would be no money out of pocket for me from their behavior or unknown practice of NSFing a customers account 3 times trying to get a payment ... ..with no prior notification or direct authorization. 

In the end, they never told me they had collected the funds. Even now, my payment history shows 2 failed attempts, and no successful attempts. If they had at least updated that portion of my account, I wouldn't have made another payment under the understanding that I owed them money. Because I did, I got hit with a number of fees.
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. Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person on Zelle and they did not verify or confirm
Product: Debt collection

on XX/XX/XXXX in XXXX, Tennessee off XXXX was XXXX in a XXXX XXXX while trying to finish a XXXX order not something i do as a job just to make a few bucks because i was in between jobs at the time but the other driver was a male in his XXXX with his XXXX kids everyone was fine his truck ( XXXX  XXXX XXXX had a little dent in the front while when he hit me my vehicle ( XXXX XXXX XXXX ) was spun in a XXXX causing my vehicle to be totaled ( airbags did deploy ). I did end up going to the hospital that night XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX treated me as if i wasnt that important the service was horrible as they transported me to the nearby XXXX XXXX were i was treated they tried to indicate that i was impaired which ive told them multiple times i was not so that wasnt the case. The next day i proceeded to inform Americas Car Mart ( where i finance the vehicle i got from them ) and let them know about the wreck they were so much worried about money and not helpful at all i made an app claim through them because they have gap availability so i wait for everything to process while in the meantime i was told to contact XXXX as well so i did and made an claim with them also. I waited into the next week because as usual they say it make take 3-5 business days i call everyone back to see any update on the claims and to see what i have to do next i was told by each company that my claims were denied which wasnt suppose to happen therefore it is false advertisement Car-mart told me they wouldnt cover because my car cost too much to pay out and then proceeded to say that i will be continuing to pay on the vehicle even tho i dont have it anymore, and that they will not let me purchase another car from them.i call XXXX next the lady on the phone is telling me that i was denied and but their website has otherwise on there therefore i couldve been helped, all companys stated that they will pay for the other drivers coverage and not mine and as well as my car insurance they said the same thing. Time goes by i received a citation ticket, an XXXX bill, and a letter from Car-Mart stating that they are auctioning my car and that whatever isnt paid off i owe and vice versa. On XX/XX/XXXX around XXXX i received a call from my insurance even after they canceled our policy with them, asking if i received any bills following up from the accident and if ive heard from XXXX because nothing has been done at all and they explained that if i can give them something stating i was denied by XXXX theyll kick in with some coverage which led me to call XXXX because i was not sent an email or anything of that sort saying i was denied i just was told by one of their representatives so ive called at least 3-4 times and im now just getting new information stating i was never denied and that my case is still open and ive been all this time told false information which looks like because someone cant/didnt do their job correctly with a car that has not even been cited since XX/XX/XXXX
Product: Debt collection

I never heard of these places on my credit report I'm victim of fraud!!!!!!!!! Ive never applied for anything in my life and far as medical bill Im on government side I really need help people are using my name so much I can't prove my own self .....