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

I charged a purchase for about {$13000.00} to have a 3 D video made for me on XXXX XXXX  XXXX  and a potential XXXX cure. I am not disputing this charge but I have had no ends of problems with Citibank that issued my card. 
I did not use this card very often and had this card set up on an automatic pay the full balance method of paying the bill each month. I forgot about the pay all agreement and when the next month came - Citibank tried to put through the full balance. My bank rejected this attempt since I don't carry that much money in my account. 
My XXXX, XXXX  XXXX XXXX, contacted me about the problem on XX/XX/XXXX or XXXX. I called Citibank customer service about this problem and they agreed to change the automatic payment retroactively to pay the minimum balance versus the whole amount. Because they had overdrafted my account, the minimum charge didn't clear because they didn't reverse the $ XXXX charged against my account as promised. I found out that they charged the $ XXXX again on XX/XX/XXXX & I called them again on XX/XX/XXXX. They said they needed to talk to my bank to resolve the problem but wouldn't resubmit the $ XXXX again. They have no resubmitted over and over again and say they have no way to correct the problem - which is absurd. I also got a collection call again saying my payment wasn't made I tried over and over again to explain the problem and our agreement but she wouldn't listen and hung up on me. I can't get them to stop overdrafting my account over and over again. Our bank account is a mess and we are being charge overdraft charges plus late fees over and over again. I spoke to the consumer call center and the manager at the center in the XXXX three times now and they say there is nothing that I can do about this. We are desparate. They are taking all our money after I agreed to change the way our account is billed. They are paying no attention to me at all. They have now resubmitted the $ XXXX amount against our account a total of 13 times! Please help! I am XXXX years old and this is going to cause me to have a XXXX! My wife is beside herself and we are in a loop that t hey refuse to resolve - harminng us over and over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website only has an option to lock your credit if you provide credit card info. I do not want to sign up for their service.
Product: Money transfer, virtual currency, or money service

Good day paypal closed my account with money in it and they said I will only be able to get the money after 180 days up until now I have not received any message from them I tried to call but they do kot take any calls I stay on hold for hours
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with XXXX XXXX and XXXX. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on XXXX  and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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  Account Number : XXXX Reference number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION. 

Sincerely, XXXX XXXX
Product: Mortgage

am currently in default on my VA mortgage loan. I have requested assistance from Flagstar Bank and requested that my loan be sent over for the XXXX review with the VA. I was told in XXXX that the servicer needed to be set up to send over reviews to the VA. I was told to call back later and request a XXXX review. I was also told that they could offer no other loss mitigation options. I called back several times and requested a XXXX review. No response. I was told the load was sent to the VA in XXXX for a XXXX review. I have never spoken with or received a call from my SPOC regarding my mortgage loan or the status of my XXXX review. I called XXXX on XX/XX/year> and requested an update. Unfortunately, they could not provide any status update and told me they do not see when the load was sent to the VA for the XXXX review. I asked for my XXXX name, and when they were going to call me, there was no response. I logged into my portal today and saw that my loan was transferred to XXXX XXXX XXXX XXXX  during my loss mitigation review for the VA XXXX program. However, as I was previously told, the loan was never sent to the VA for a XXXX review. 

Why haven't I spoken to my SPOC throughout this entire process? 
Why has my loan yet to be sent to the VA XXXX program? 
I am a XXXX veteran, and I can't seem to get my loan appropriately serviced. On top of that, the loan has been packaged for sale, and I will have to start again with another lender. 

Flagstar hasn't followed the appropriate protocols to service my loan through this loss mitigation process. 

I want to be reviewed for the XXXX program or any loss mitigation options which will help me stay in my forever home.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, 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-i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me.

See Attachments.

Thank you
Product: Credit reporting or other personal consumer reports

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. There is also an abundance of inaccurate information that has been being reported, which I can prove by providing my most current consumer report. You can't unring a bell. Once this info was put out it has ruined my reputation as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and re-investigation regarding accounts appearing on my credit report that I believe do not belong to me. After previously disputing these accounts, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : Conduct a thorough re-investigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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 ( ii ) 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: Debt collection

I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with XXXX XXXX before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XX/XX/XXXX and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a XX/XX/XXXXwhich caused me to be determined XXXX following a car accident. I was in aXX/XX/XXXXrequired round the clock care for several years as well. Because, I was thinking aboutXX/XX/XXXXbecause everything was so crazy, I went to see a therapist. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. XXXX XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over 7,000. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.
Product: Payday loan, title loan, or personal loan

I had a bank account with Wells Fargo Bank in Arizona, and they gave someone a {$10000.00} unsecured loan. I reported as a fraud and asked to see the video of the transaction but the bank refused to show me who made this transaction. The bank told my husband I received the money and they told me my husband received the money. No money was returned to me and they still show me owing this amount even when it is showing in the fraud department. And can't provide any Proof of signatures or identification on this {$10000.00} cash loan.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/year> are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/year> High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time. 
Discrepancy in Reporting : Experian incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I had a Chime banking account for years, but stopped using it and recently decided to make the account a savings/bill pay/big purchases account since its one I dont use.

I made a {$330.00} purchase ( one of many ) to XXXX on XX/XX/year> and my package was said to be delivered on XX/XX/year>, but I never got it. Many attempts to work with the merchant were made with no luck at getting another order sent or being refunded for the order made. 

I, then, opened a dispute for the charge through Chime on XX/XX/year> and their reasoning for denying the payment was because after the investigation they conducted, it was proven that the charge was valid. I never reported that it wasnt. I said I did not receive what I paid for! 

I called the morning of XX/XX/year> almost immediately after I got the denial letter via email to figure out why and what I could do to help my case. I was told to send them any communications with the merchant about the purchase. Which I already did and it shows me offering options beyond just getting a refund. 

It is now XX/XX/year> and I have reached out to Chime via phone, chat and social media multiple times. Their official XXXX told me to contact them and someone who is equipped to help me would and when I called I XXXX. Got hung up on XXXX. Called back to be transferred to another supervisor and got hung up on while on hold ( representative was XXXX ) XXXX. Generic pre written responses and everything comes back to this is what our system says. I cant get a straight answer or any real help with them and this is XXXX XXXX DOLLARS! 

Also, after commenting on their XXXX page it got the attention of a couple people who expressed they have had the same issue with them which lead me to search chime dispute across other apps I use and I found that there are MANY more people whove experienced this with this institution. I will attach all the proof I came up with. My conversations with Chime via XXXX, my phone calls made to them after said conversation via XXXX, the emails I have between the merchant and a few other people making claims that they experienced the same thing which Chime only responded with the same pre written responses about how the issue is so important to them, explain what happened then they instruct everyone to call.
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 resolved. 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 nor 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 : I contacted a health and fitness website named XXXX on their website, they directed me to apply for a course in coaching for diet and exercise. I told him I would have to talk to my husband, I made a mistake and put my info in to see how much the loan would cost ( XXXX would not tell me, he said he needed control of my computer ). I wanted to see if I could afford it. XXXX told me to click a link to Affirm.com a Credit and Loan Company. They said We'll email you as soon as your loan is confirmed, and at that point, your payment plan will start. For your {$2900.00} loan, you'll make 12 monthly payments of {$240.00}, with an APR of 0 %. To view your loan details, sign in to the Affirm app, or go to affirm.comXXXX 
Enjoy your purchase! Until your loan is confirmed, it will show as processing in your Affirm account. That's nothing to worry about! 

I contacted Affirm.com, to cancel the application but they ignored me and processed it in record time and have already sent the money to XXXX. I contacted Affirm and XXXX  to CANCEL within less than 20 hours, while the loan was still in process. Instead they processed everything in record time to the tune of {$2900.00}. This was bate and switch. I am a XXXX Veteran and a XXXX XXXX. What are my options?