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

I do not have my dates exact. Approximately two years ago I noticed a charge from XXXX. XXXX XXXX. I filed a dispute with Citi Cards and they followed up and reversed it in XXXX favor. Citi told me to call XXXX and resolve it with them. So I called they could not find an account, if I remember correctly because its been two years. However I have not owned a XXXX product in at least 15 years and I would not buy a XXXX product I have no use for them. Anyways in the end I ate the {$100.00} I asked Citi Card to change my account number so that it could not happen again just in case its a subscription. The following year it happens again I file a dispute. They went in favor of XXXX again. Lets just say it was a mistake the first time just for grins. You dont make the same mistake two years in a row it sounds like Citi made a mistake. But they are so big how do you fight them over a lousy XXXX dollars? I canceled my account closed it. As a consumer all I can say is we are powerless over these big companies what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX, Account # : XXXX*, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

The following below is all inaccurate information on my credit report under the Account Name XXXX. 
The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment. 
I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.
Product: Checking or savings account

On the dates XXXX XXXX I was sent payment from my mother of a total of {$15000.00}. On XX/XX/XXXX I received an email from capital one who I bank with saying my account has been restricted with no access to my funds. This is my only bank account I have and I cant pay my bills or do anything until this is solved. Ive called multiple times to the customer protection team but they dont give me any answers and tell me just to wait for a response that they dont have a timetable on. They gave me another number to call for updates but it just goes to voicemail
Product: Mortgage

In XX/XX/2017 my husband passed away after battling XXXX XXXX. Because of this i was unable to afford to live in my house. I contacted Mr. Cooper, my mortgage company, and told them in was interested in proceeding with a deed in lieu. I filed paperwork including financial records and a hardship letter. After numerous phone calls, all harassing, all asking the same questions, i was informed that a lien was placed on my property and a deed in lieu could not proceed until the lien was satisfied. I could not find any liens and was never allowed to proceed with the deed in lieu. The harassing phone calls continued, the late fees keep piling up and the homeowners association related to the property has attached my bank account. Recently, I hired a lawyer/ realtor to short sale the property. Mr. Cooper, without my knowledge locked me out of the house. The company they hired stole a refrigerator from the back deck and cut the copper pipe from the basement. Even with these issues we found a qualified buyer. My realtor proceeded with the short sale filed all the necessary paperwork numerous times ( we tried to go to settlement and had to change the dates 3 times ) and Mr. Cooper had no intention of letting the short sale happen. Im at the end of my rope with the deceptive tactics Mr. Cooper has used to block me getting rid of this property. I just don't understand what they have to gain by doing this to someone. I did not stand to make anything off this property I just want out I cant afford it.
Product: Credit card

During XX/XX/XXXX, I was vacationing in XXXX XXXX, XXXX and was approached by solicitors while visiting an outdoor mall after lunch. They offered a {$300.00} gift card if we went to a meeting to market the XXXX time shares. We did and we ended up signing a contract and they opened up a XXXX XXXX XXXX Account when using the XXXX time share only, not for other general purchases. I sold the XXXX time share during XX/XX/XXXX. Please see attached settlement statement. See letter dated XX/XX/XXXX from XXXX XXXX XXXX Account # XXXX. 

I discovered that because this account # was connected to the XXXX time share, the XXXX XXXX XXXX Account closed also without my knowledge. I discovered that the account was closed on XX/XX/XXXX, a year later when I was trying to log in to online payment account. After calling Comenity Capital Bank, as the bank that issues the XXXX XXXX Credit Card Account, I was sent correspondence dated XX/XX/XXXX with a new account number XXXX, XXXX months later without my authorization or knowledge. I believe Comenity should've included a payoff when we closed on XX/XX/XXXX but somehow missed the opportunity during closing. The proceeds would've paid the debt at that time. Please see the attached. 

I do not believe that I am responsible to pay on a different account that was opened without my knowledge or authorization. The XXXX XXXX credit card should've been included in the settlement statement and the account number ending in XXXX was opened up in my name with authorization and without my knowledge. This poor business practice, poor advertising and marketing has now put the account in collection. I sent letter asking why this happened and Comenity has never responded to any of my correspondence. Thank you for your assistance in this regard.
Product: Money transfer, virtual currency, or money service

Dear Madam or Sir, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, IL XXXX, XXXX has been defrauded of USD XXXX ( XXXX Dollars XXXX XXXX XXXX and XXXX Cents ). 

I have already filed a case with XXXX Police Department and the details are : Report Number - XXXX The details of the police department are : XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX XXXX XXXX : XXXX I have also separately filed cases with the FBI. 

I was approached by XXXX XXXX ( President ) and XXXX XXXX ( Officer ) on a XXXX  group. They told me that their company " XXXX  " is associated with " Crypto ''. 

As I was initially very skeptical of this kind of approach. XXXX assured me that I can check about Crypto and they only will be dealing in XXXX to prevent fraud. 

I checked on Crypto and my checks revealed that Crypto is indeed a great company with impeccable credentials. 

So XXXX assisted me to open the account in Crypto and she also guided me with the process of wire transfers to buy bitcoins in Crypto and then transfer to the associated company XXXX. 

She repeatedly assured me that I can get the money back anytime I wanted and that the associated company XXXX  only does all the trading for Crypto, due to regulations requirements. 

I then transferred all my money in three tranches of XXXX, XXXX and XXXX Then suddenly XXXX wanted me to transfer another XXXX as they have once in a lifetime opportunity. I explained to her that I have no more money. She then encouraged me to get loans and even forwarded companies that will give loans. She also urged me to approach family and friends for personal loans. 

And in the meantime, my husband 's health condition suddenly deteriorated. He is on XXXX and I needed some money urgently for his critical medical XXXX. 

He had a massive XXXX XXXX and was admitted to https : XXXX  for XXXX XXXX on XXXX  XXXX XXXX 

I asked XXXX for just USD XXXX out of the original USD XXXX I had transferred earlier. 

And XXXX 's response just stunned me. 

She told me that my money is " locked '' and there are penalties for early withdrawal. 

I was not told about this, but I agreed to the penalties. 

However, XXXX is now not returning my money. 

Kindly find the evidence attached for reference : XXXX ) Details of the President - XXXX XXXX XXXX ) Details of the Officer - XXXX XXXX XXXX ) Wire Transfers ( all 3 transactions - XXXX XXXX and XXXX ). 
XXXX ) Bitcoins bought ( all 3 transactions ) 5 ) Bitcoins transferred ( all 3 transactions ) 6 ) Complete Transaction History in Crypto 7 ) XXXX asking me to take personal loans I would request your immediate intervention so that I now get all my monies back. I am totally ok to pay the penalties. 

I need urgent assistance, as this is causing us a lot of stress and is taking a major toll on my husband 's health. 

Please freely contact me for any information/clarification. I shall be happy to provide the same as the top priority. 

Thanking you and looking for a quick intervention Sincerely XXXX XXXX XXXX ( Cell )
Product: Credit reporting or other personal consumer reports

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked them to re-investigate this and send me proof which they never did XXXX days later after I submitted dispute they came back and said it was verified asked them to send me the proof and they never did
Product: Mortgage

Around XX/XX/2022 my XXXX XXXX XXXX  was sold from XXXX XXXX to SN Servicing Corp. 

I was not pleased as I read review of the company and they habitually got XXXX star reviews from customers. But I set up Recurring online payments as I usually do and hoped for the best. 

I thought nothing of it until XXXX, when I got an email stating that my mortgage due amount had gone up from {$2300.00} to {$2800.00}. Shocked I read that they had been charging me a monthly Forced XXXX XXXX XXXX of nearly {$500.00} a month. Please keep in mind I already had an escrow account with insurance paid through the year. 

I am shocked by this business practice which I believe is illegal. I've never heard of anything similar but want this investigated immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report, with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX Please delete all other personal information, including all employers, addresses I can no longer receive mail or any correspondence from, and I have no access to any of them, which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete.
Product: Student loan

Asking if i will be getting a refund due to Navients negligence per the article that was published yesterday
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters for some of the accounts I'm seeing on my credit report. It has been well over the 30 day window. I sent letters to the bureaus on the following dates : XX/XX/2021 XX/XX/2021 Just need to know if anyone has heard anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXXXXXX XXXX XXXX XXXX  My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX  XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXX Account XXXX : [ XXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
Experian : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 






Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I never attended the school. The loan was processed and disbusted to a school that I never attended. 

XXXX XXXX Subsidized XXXX XXXX XXXX XXXX
Product: Bank account or service

I was misled by Santander Bank about the extra 20 checking account. I would n't have opened the checking account and moved all of my banking if I knew that the promotion was temporary.
Product: Debt collection

I requested a debt validation letter, never got a response. So i sent another one certified mail and they finally responded with a debt letter that it did not have enough information to verified. I ALSO REQUESTED A PURCHASE AGREEMENT SHOWING THAT THEY HAVE THE AUTHORITY TO COLLECT THIS DEBT. AND THEY STILL HAVE NOT PROVIDED THAT INFORMATION. AS A CONSUMER I HAVE THE RIGHT TO SEE ALL INFORMATION REGARDING A SO CALLED DEBT THAT I ALLEGED OWE. I DONT KNOW WHY I HAVE TO PLAY GAMES WITH A COMPANY TO TRY AND GET WHAT INFORMATION I AM REQUESTING SO I CAN VERIFY THE SO CALL DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my report and noted a inquiry that is not mine. I have not inquired about any credit.
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately.
Product: Payday loan, title loan, or personal loan

West side lending a website lists an email for customer support that is not a valid email. They have a live chat option however no one responds to your chat. I have contacted this companys phone number numerous of times over the past 9 days at 2 different phone numbers listed on their website and each time I call I am unable to speak with a representative and have to leave a message. Today is day 10 and I am still unable to contact this company regarding postponing a payment.
Product: Checking or savings account

On XX/XX/2020, I used a US Bank ATM machine to deposit {$500.00} in cash, all in twenty dollar bills. The location was the US Bank ATM at XXXX XXXX XXXX  XXXX, XXXX, MN XXXX. I used my US Bank issued VISA branded debit card to make the deposit. I loaded the bills in groups of five, and the machine counted up to {$400.00}, then I inserted the last five {$20.00} bills. The machine then made a different sound, and I could tell it wasn't counting the bills like the ones I had just inserted. Then the machine made beeping sounds, then other sounds in the back of the machine. The screen went black, then the screen said something about an error with a cable in the back. The screen went black again, then restarted, then said that the machine was out of service. I called my husband in from the car where he was waiting outside, and told him what happened. The machine had not returned by debit card, so I pushed cancel, enter, and all the buttons until the machine finally spit the card out. I never got any kind of receipt, and the bills were all inside the machine. I called the XXXX XXXX consumer number right then at XXXXXXXX XXXX and told them what happened. They took all the information, entered a claim for me, and told me not to worry, they would get the money back. We didn't get anything in the mail, or by email, or any notice in our online banking accounts. 
Five days later on XX/XX/2020, I called again, talked to XXXX who gave me our claim number. She said it can take up to ten business days to process. After not hearing anything again, I called again on XX/XX/2020, talked to XXXX, who said the claim was denied, but could give no reason why. On XX/XX/XXXX, we received the claim denial letter that said that no error occurred with our transaction, so they have denied the claim. We then contacted our local personal banker at US Bank and left a message about what happened and that we would like to meet with her. We have since left her another two messages to arrange a meeting, but she has not returned our calls. We have been customers of US Bank for over 40 years, have never written bad checks, have never been in any kind of default or claim with them prior to this, and have numerous deposit accounts with them. We feel like we have been robbed by our own bank. We don't gamble, and never expected that using their ATM machine could be like gambling!
Product: Other financial service

I started their program in XXXX of 2012. I believe they processed illegal advance fees, is association with the Law Firm Credit Advocates. 
XXXX XXXX Debt SpecialistXXXX XXXX, FL XXXX : XXXX Ext. XXXX : XXXX : XXXXXXXXXXXX entire fee schedule for Global Client Solutions and XXXX was paid prior to the settlement of the first accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last credit report with equifax was on XX/XX/2022. 
I tried to get approved for a mortgage and no one was able to pull the report. The mortgage company even tried calling and they got a fraudulent error. 
I called equifax several times and they said there was XXXX issues and nothing fraudulent. 
And didnt know what the issue was. 
They had me fax in documents and then told me to wait 14 days and said they never received them and to try again in 30 days. So I called back and they said they didnt have them. I faxed a second time and still said they didnt receive them. 
After making several calls they somehow got my name wrong. I tried to dispute this and it has yet been changed and has been almost 90 days without resolution and Im still unable to purchase a home. 
I tried free annual report and it gives me error code NH and tells me to call equifax. 
Iva asked to speak with managers and theyve hung up on me and refuse to help. 
My XXXX and XXXX report are fine. Its just equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit card refused to verify and remove the account from my credit report which affected my credit. I have asked them in writing and verbally to remove the Closed account. The only account with XXXX XXXX verified and accurate is the account with a {$2000.00} credit limit.