23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you with a sense of urgency and frustration that can not be overstated. It has come to my attention that despite repeated attempts to resolve the matter, fraudulent account continue to plague my credit report. This is an outrageous violation of my rights as a consumer and can not be tolerated any longer. 

Your persistent failure to rectify this situation is not only unacceptable but also deeply concerning. The presence of this fraudulent account is tarnishing my financial reputation and causing significant distress. I have been the victim of identity theft, and your bureau 's negligence is exacerbating the situation. 

This account is need to be remove : XXXX XXXX XXXX. 

I demand immediate action on your part to cease reporting this fraudulent account on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that your bureau 's practices are inadequate and must be rectified without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$370.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$370.00}.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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, credit repair services, or other personal consumer reports

Company is causing my credit score to go down Experian Alert Date XX/XX/2019 Balance Amount {$1300.00} Is Collection No Open Date XX/XX/2019 Payment Status Grid Code 3 ( 90 Days Delinquent ) Status Date XX/XX/2019 Name XXXX/XXXX XXXX Phone ( XXXX  ) XXXX   Business Type BB Street Address XXXX XXXX XXXX City XXXX   State OH Zip XXXX
Product: Money transfer, virtual currency, or money service

Yes, services were offered for getting cash back from my EBT card. When I asked XXXX ( bank teller ) how much the fee was he said {$1.00} and then quickly stated that I would be getting {$11.00} from my {$15.00} dollar request. I entered my pin code and XXXX gave me {$11.00} walking out of continental currency services looking at my receipt I noticed the fee amount of {$3.00}. Waling back in business for my refund of {$2.00} because of being overcharged, lied to, misquoted, fraud. The store manager XXXX was not available. Then XXXX said call our headquarters in XXXX XXXX XXXX XXXX ) XXXX, after calling headquarters the phone kept ringing and then finally a voice mailbox machine recording played then I left a message stating " it's XXXX PST is anybody available to take my call? I am at the XXXX location XXXX store manager is not available to provide customer service '' for me this business is terrible, disorganized, unprofessional, without customer retention policies, disrespectful XXXX would not provide customer services kept repeating " come back tomorrow ''. I then kept calling Continental Currency Services headquarters in XXXX XXXX and a XXXX woman answered stating I should speak with XXXX XXXX XXXX I asked what is his title she said " marketing ''?? I explained that this matter was regarding customer service and I was told that he does that too. I really began seeing how this company does not have it together, so then she said or speak with XXXX. XXXX was eavesdropping my conversation with headquarters pretending she was ignoring slipped {$2.00} under her teller window, so I disconnected the call and explained in person at her window that I will never do business with her company ever again! This did not happen by coincidence I have been experiencing state sponsored persecution at the hands of XXXX, I believe because racial reasons XXXX.
Product: Bank account or service

I opened a CITIGOLD Interest Checking Account with Citibank with a promotion that would give me XXXX to XXXX XXXX Points as promotional offer if I satisfy certain certiera with my banking relationship with them listed explicitly as - '' Qualifying Direct Deposits are Automated Clearing House ( ACH ) credits, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency. 
Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking ( including bill payments made using Citibank 's Telephone XXXX Bill Payment Service and Staff Assisted Bill Payments ), Citibank Online, CitiBusiness Online and Citi Mobile XXXX XXXX XXXX. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. 
-The bonus XXXX XXXX will be credited to your existing XXXX Member Account within 90 calendar days from the date when you completed all offer requirements. 
-To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I opened the account before the deadline date of XXXX/XXXX/2016 and I satisfied two consequective months of BillPay in XXXX, XXXX, and again in XXXX Respectively. 

When I contacted CitiBANK about the status about my promotional reward, the company sent a generic message renegotiating on this term. In Addition, I have contacted the company over the phone, and after XXXX40 minutes with a representative, they would repeatedly hang up on me, leaving the issue unresolved. 

I have been very unhappy with CITIBANK, as they have not kept their promotional promise, despite me keeping my end of the contract.
Product: Credit card or prepaid card

Initially contacted the Citibank about apply Ohio SCRA benefits to accounts on XX/XX/2019 Received benefits for open accounts, but have been told they do not have records of my closed account. I have called them several times, with the last time on XX/XX/2019. I gave them the account number from my credit reports for a Citibank AT & T Universal that was closed and each time they told me it was invalid account number. I was unable to explain more than that and was told to find the full account number. I have attached old correspondence for that account from Citibank for reference.
Product: Money transfer, virtual currency, or money service

{$300.00} was sent to me on XX/XX/year> from a XXXX XXXX XXXX  account to a XXXX account thru Zelle. The transaction was confirmed as sent by XXXX XXXX with transaction ID XXXX. The money was not received in my Zelle account. I reached out to both XXXX and Zelle customer service and both were unable to locate the transaction. I have not received the XXXX XXXX I have successfully sent and received money using the same Zelle account since this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief and XXXX XXXX XXXX took $XXXX of my money after they said they settled a debt. I had several credit cards to have settled, they did settle two of them as promised, but then it went south I had saved up $XXXX in my account, they could have taken care of half of my accounts with this but they went after the largest account so they could take my money and get paid instead of paying off my debts. They negotiated $XXXX month payments for like 5 years. Then they emptied out my account for their commission so when the payment was due on the settlement they negotiated. I had a XXXX balance and the creditor withdrew from the agreement.I called several representatives in the company to find out why my account was XXXX yet not one of my existing debts had been paid nobody could answer me. It took me several days and phone calls to have someone finally explain what they did. This was deceptive business practice on their part,they only went after this account as soon as I reached their commission amount in savings andleft nothing in the account to pay the debt. They won’t give me a refund and the lady I spoke to that finally answersWhere my money went admitted they could have handled it better but I still wasn’t getting a refund so I closed my account.After I closed my account I was harassedFor 3 more months asking me where my payment was and that I needed to submit it.My account was closed they still wanted me to send them money. They blamed the fact that I deferred a few monthly payments and that nullified my contract and ability to get a refund. When I signed up I was verbally told by XXXX XXXX that they would work with me, the money in the account was mine and I could use it if needed and I could also defer payment if I had a hardship without penalty but none of that was true.
Product: Checking or savings account

Since my account from Bank of the West merged to BMO im not being abble to access my online banking, also I dont have SSN so the system doesnt allow me to fix this issue. 
So I nee to have restored my online banking access, I know my user name XXXX and also remember the old password.

And second need to open a merchant dispute for merchandize not received ( I dont speak XXXX by phoen and now BMO doesnt provide that service ) As I dont have access to my online banking I cant guss the exact date of the charge and also the specific amount in US dollars because the transactions was made in a foreign currency : 1 ) Around XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, International currency {$650.00} XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, international currency {$730.00} XXXX XXXX XXXX XXXX XXXX  These 4 purchases were made on the store, f ace to face but they didnt have on stock on the same store, so they will ship it from their warehouse to my mailling address on file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX 
The items never arrived, must be received on or before XXXX XXXX. 
I tried to contact them by email and phone calls to request the tracking number, delivery confirmation or any other shipment information without success, nobody respond. I start contacting them on XX/XX/XXXX. 
I cant go to the store now because im not on that city any more. I have the invoice and receipt that I would like to send to the bank to support my case.
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  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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: Debt collection

I have not used my XXXX account since XXXX. I settled with XXXX and they sold the account to portfolio recovery in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for portfolio recovery. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there were fraudulent accounts on my report. Please remove these accounts from my credit report they are hurting my ability to obtain credit.
Product: Student loan

SALLIE MAE IS THE WORST. My loan is now in default because I have called every single month about not being able to afford my loan payment due to being unemployed and finding work has been difficult, though I have been actively searching every day. A few days ago the guy from sallie mae said that he could help reduce payments, but then harassed me about being able to pay it if he did. I explained my dad is already broke and has been giving me all the money he can to help with bills, but he has no more money left to give. I told him everyone else I have called says that they do not care and wo n't help. Then he said well we are only calling all the time to get you out of default, I then told him I would n't be in default if someone would have helped me in the first place instead of saying they do not care. Sallie Mae should not be allowed to call more than 10 times a week max. They call about 20 times a day. I feel so harassed. Because of them I ca n't support my own son because all the money I do get has to go to trying to get out of default so I am back at my dads. They are the worst company to work with. Not even XXXX or XXXX is doing this.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX  XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that und

er 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



TransUnion COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2013 I loaned a car, a XXXX XXXX XXXX XXXX, which I was set to pay off over a 72 months period. At the end of the 72 months period while I was preparing to make my final payment, the car dealership, Santander U.S.A, Notified me that they had extended my loan. I've been paying off the balance but it never truly goes down ; I was not in the position to confront this problem before but i refuse to let Santander U.S.A take advantage of me.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased two XXXX gift cards with a sum totaling {$250.00}. 
Immediatly after purchase, when I tried to apply the gift cards to my account, I received an error message stating that the cards contained a balance of {$0.00}
Product: Money transfer, virtual currency, or money service

I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. 
The details of my complaint are shown in the attachments. 
I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.
Product: Money transfer, virtual currency, or money service

CFPB closed my previous complaint based on Wells Fargos reply. But the issue was not resolved. The previous case number is:XXXX Wells Fargo failed to provide reasons for POA rejection and requesting more document from my side. I have called the officer provided by Wells Fargo but no one answer the call.
Product: Payday loan, title loan, or personal loan

I was charged fees and monthly installments when the account has been paid off when I refinanced my house in XXXX, in fact it had to be for the refinance, no bills for months then today I received a bill for past due payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Debt collection

Have two types of insurance XXXX and XXXX and I'm I am homeless Especially homeless no medical bills period
Product: Credit card or prepaid card

XX/XX/20 Ordered Printer for Step Daughter as tool for XXXX XXXX XXXX {$440.00} XX/XX/20 Step daughter email exchange ending in agreement with Seller to return printer for refund less restocking fee of {$130.00} ( 30 % ) for a refund of {$300.00}. CC still billing me for full amount of a printer that the seller has?? 

XX/XX/20 Printer returned as agreed XXXX track # XXXX proof retuned, please check yourself I just did again and it shows he signed for printer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian 15 U.S.C , 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 ExperianXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian