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

XXXX I was unable to log in online on my account so I reached out to Citibank customer service to help me resolve the issue. 
XXXX this is the date that my social security check was to hit my account and be available to me. 
XXXX was told by customer service that I needed to speak with a fraud department to gain access to my account again but they were closed so I would need to reach out to them the next day. 
XXXX this is when I was able to reach the fraud department and found out that my account had in actuality been closed on the XXXX. I asked about my social security check and was told that social security had not sent my check and that I would not need to call social security and discuss this with them. 
XXXX I call social security they said that yes it had been sent out to that account and that per protocol, if the account closed on the XXXX, then it wouldn't be able to be deposited on the XXXX and on the XXXX it should be sent back to social security. And they would then be able to deposit into another account that I gave them the routing information for but they made it clear that this process would take at least 5 days to do. 
XXXX my social security check had not reached my new account yet so I called social security to see what had happened and they said they had not received it back. They also gave me a tracking number for the check. 
XXXX this is when I found out from Citibank that my funds were " forced '' on the account on the XXXX and that they shouldn't have been able to be placed in that account because the account was closed on XX/XX/XXXX. And so they had actually received it on the XXXX when I talked to them and yet they did not even place it in my account until the XXXX. when my funds are supposed to be available on the XXXX of each month. and I was also informed that it would take 30 to 60 days for me to receive a check by mail unless I could get to a branch and get the money from them. I live by XXXX, Washington the nearest branch is in XXXX, California. 

And I haven't even told why all this is happening. I have no idea why they closed my account I don't know why funds were placed into account an account 3 days after it was closed, 3 days after I had no online access. I had no access to the funds. I have bills to pay. I have to pay my rent I'm screwed. I can't even feed my dogs. What do I do now?
Product: Checking or savings account

Just In the last XXXX years I have been charged over {$500.00} in overdraft fees. I call to get a refund but i only been successful 3 times. Its harassment and there doing it on purpose to make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

J.P Chase Bank are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.
Product: Mortgage

I completed a loan application for a mortgage refinance but I was not given a copy of the disclosures nor was I given a copy of my credit report. I have asked for this information directly from the lender but they claimed they destroyed it. 

I submitted a complaint about this issue and Wells Fargo Bank claimed I did not have a loan number with them and that a third party was asking for this information when it was me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in TRANSUNION, XXXX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  has violated my rights by reporting frivolous information on my credit report. I would like this account to be removed for the entirety of my credit file immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  has violated my rights by reporting fraudulent information on my credit report. I would like this account to be removed immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. 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 hand written instructions.
Product: Debt collection

National Recovery called my cell, my mother 's house and my sister 's cell all around XXXX central standard time.
Product: Debt collection

Creditor ( XXXX XXXX  ) hired lawyer ( Green & Cooper, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or one cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.Greene & Cooper does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable!

I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!
Product: Credit reporting or other personal consumer reports

I'm a XXXX XXXX XXXX  customer and have been for over 6 years and unfortunately this year of XXXX there have been a data breach that dated back to XXXX and I have been a part of it.The data set appears to be from XXXX or earlier, impacting approximately XXXX XXXX current XXXX XXXX XXXX account holders and approximately XXXX XXXX former account holders.This caused identity theft to happened with my SSN and making fraudulent accounts to be open and for some of my accounts thats already open to accrue late payments because of the fraud that's going on with XXXX and then to later change into negative and charge off accounts and collections. The late payment accounts and collections on my credit report are fraudulent and showed be removed and late payments removed asap. XXXX XXXX XXXX ( fraudulent collection that needs to be removed ) XXXX ( account that I have knowledge of but late payments need to be removed because of the data breach ) XXXX XXXX  ( account that I have knowledge of but late payments need to be removed because of the data breach XXXX XXXX XXXX ( account that I have knowledge of but late payments need to be removed because of the data breach ) XXXX XXXX  ( account that I have knowledge of but late payments need to be removed because of the data breach ) XXXX XXXX ( fraudulent collection that needs to be removed ) XXXX  Inquiry date XXXX XXXX, XXXX ( Fraudulent inquiry that need to be removed ) Address that need to removed from credit reports ( XXXX XXXX XXXX XXXX NY )
Product: Debt collection

WITH MIDLAND CREDIT THAT IS A THIRD PARTY COMPANY WHO PURCHASES DEBITS OWED THAT HAS NO CONTRACT WITH ME, I HAD A CARD WITH XXXX  AND THERE WAS CHARGES THAT I HADNT MADE AFTER REPORTING THIS DIRECTLY TO THE COMPANY I NOW HAVE XXXX OFF MY CREDIT DUE TO IT WAS RESOLVED I CLOSED MY ACCOUNT AND SOME HOW MIDLAND CREDIT PURCHASED THIS OLD ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY TO EVEN COLLECT THIS AMOUNT, I CLOSED DOWN MY ACCOUNT AFTER THE FRAUD PURCHASES WHERE RESOLVED NOW I HAVE THEM THREATEN TO GARNISH WAGES AND THEY DONT HAVE A CONTRACT WITH MYSELD WHICH HAPPENS TO XXXX XXXX XXXX I WOULD LIKE FOR THEM TO STOP REPORTING ON MY CREDIT AS THE ACCOUNT IS CLOSED DUE TO MY REQUEST AND THE CHARGES HAVE BEING RESOLVED, PLEASE PROVIDE ME WITH A CONTRACT THAT I HAVE WITH YOU AS YOU ARE JUST A THIRD PARTY WHO PURCHASED THIS OLD ACCOUNT THAT HAS BEING CLOSED
Product: Debt collection

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/ Dear Sir/Madam, I am writing to dispute the accuracy of certain collection accounts on my credit report, which I believe are the result of fraudulent activities. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to challenge any information on my credit report that I believe is inaccurate or unlawfully reported. 

Upon reviewing my credit report, I have identified the following accounts that are the result of fraudulent activities and are not my financial obligations : XXXX XXXX XXXX Opened XXXX - {$550.00} XXXX XXXX XXXX Opened XXXX - {$600.00} XXXX XXXX XXXX XXXX Opened XXXX - {$830.00} XXXX XXXX XXXX XXXX Opened XXXX - {$890.00} XXXX XXXX XXXX XXXX Opened XXXX - {$930.00} XXXX XXXX XXXX Opened XXXX - {$930.00} I request that you conduct a thorough investigation into the origin and legitimacy of these accounts and immediately remove them from my credit report. I have already reported these fraudulent activities to the appropriate law enforcement agencies and the Federal Trade Commission ( FTC ) for further investigation.

Please provide written confirmation of the removal of these fraudulent accounts from my credit report and notify the respective creditors and collection agencies about the fraudulent nature of these accounts.

I appreciate your urgent attention to this matter and expect a prompt resolution in compliance with the law. Kindly inform me of the results of your investigation within the timeline specified by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Ally Financial added a derogatory mark on my credit report per XXXX  and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found Ally at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, Ally Financial has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Product: Credit card

I signed up for Chase Credit Card XXXX with promotion spend $ XXXX for XXXX points. It also had additional offer of spend $ XXXX for another ADDITIONAL XXXX points. This was confirmed by agent over the phone. when I got the card. It has been XXXX year and I am still struggling. XXXX I opened XXXX tickets in XXXX and XX/XX/year> and both time they confirm they have the offer and see it on file and will open the case. But then Chase concludes send us the official advertisement announcement showing this? Really? Chase records all the calls and they are free to listen to numerous calls I have made. I have XXXX chase XXXX  XXXX  XXXX  and for both I am facing the same issue. 

Please assist. 

I have XXXX accounts and both have the same issue See attached offer letter evidence XXXX : XXXX XXXX numbers : XXXX and XXXX Note cards number XXXX have changed if replaced.
Product: Credit reporting or other personal consumer reports

I have noticed i have has alot of inquiry on my credit reports for experian, XXXX, XXXX, that i have not authorize any of these companies to obtain a copy of my report. here are the companies and dates they pulled my credit. this is on my Exerian credit report .... 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, Here is what i noticed on 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  Here is XXXX XXXX XXXX XXXX XXXX XXXX. i did not authorize these companies to run my credit at all and definitely not multiple times.
Product: Credit reporting or other personal consumer reports

On, XX/XX/XXXX I filed an online credit dispute with Transunion. The status of the dispute was in review on XX/XX/XXXX. The investigation was completed on XX/XX/XXXX. The completion of the dispute exceeds the 30 day time limit thus the items should be removed from my credit report. On XX/XX/XXXX, I send another request to TransUnion requesting the remove of the credit item based on the failure to complete an investigation in 30 days and that this a violation of the FCRA. They received my request on XX/XX/XXXX and on XX/XX/XXXX I received a letter and copy of my credit report showing there has been no changes. I am seeking assistance with this matter and any/all legal recourse against the reporting agency and creditor. 

Fille Number XXXX Credit Reporting Agency : TransUnion Creditor : Dept of EDXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been a member of possible finance since XXXX of 2021. I have had several loans and I have paid off successfully. I have a current loan of {$270.00} that was taken out on XX/XX/XXXX my first payment was XX/XX/XXXX which was paid successfully I have been going through a hardship that I had to have my next XXXX payments moved. And the agent moved the next payments XX/XX/XXXX XX/XX/XXXX and the final payment XX/XX/XXXX I received an email letting me know my payment is coming up on the XXXX which Im aware of. I didnt see any warning on the app. So then this evening on XXXX I get an email from possible that my loan is in default and that my account will charge off in XXXX XXXX I have been through hardships before and possible has always accommodated and I have never received this notification on my phone with any loans I previously have paid off even with moving the dates. This is coming off threatening. I have been a member since XX/XX/XXXX. I am working on rebuilding my credit and this is not fair. And I want to be able to reloan The original due dates were XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX I had reached out and explained that I was going through a hardship the agent that I spoke to moved my payments to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with the final payment of XX/XX/XXXX once again I had a loss of income I had to move my payments to begin XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I have always asked possible finance to always accommodate or adjust or make any adjustments for me to get this notification late at night is coming off very threatening I did not have intentions of being in this situation. I had intentions of paying off early, but unfortunately life gets in the way, and I am not happy at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Credit card or prepaid card

On XX/XX/2022 I received an email from Synchrony Financial, the servicer for the XXXX and XXXX XXXX, offering a {$50.00} statement credit once a purchase of {$500.00} or more is made at a store. The terms were as follows : * Register on syfpromo.com using promo code : XXXX. You must register to be eligible for this offer. 
* Use your XXXX XXXX XXXX credit card anywhere it is accepted to make a single-receipt purchase of {$500.00} or more XX/XX/XXXX to XX/XX/2022. 
* Earn a {$50.00} statement credit. A maximum of one statement credit can be earned during the offer period. 

I tried going out to the website on XX/XX/2022 to register for the offer yet the website, syfpromo.com, states the XXXX offer is not valid. I tried registering on a Smart device as well as a laptop yet would still not work therefore this is a problem with Synchrony Financial. 

I called the Customer Service Department for XXXX and XXXX at Synchrony, XXXX, yet they do not show the offer of XXXX being valid even though this is the promotion emailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with eqifax and XXXX XXXX. I asked them for to verify and send me proof this account is mine. They keep sending a bill what is not proof this account is mine. 

According to section 609 Credit agencies must verify this is my account. A screen shot is not a verifiable proof this account is mine. 

I would like for XXXX XXXX and eqifax to delete this off my credit report.
Product: Mortgage

XX/XX/XXXX, I mailed by certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a mortgage payment to Fay Services in the amount of {$13000.00} to bring my mortgage account current. I communicated with a representative by the name of XXXX XXXX. The funds were received on XX/XX/XXXX, at XXXX. 
On XX/XX/XXXX, I spoke with VP Accounting Manager XXXX XXXX concerning receipt of the mortgage payment. and reinstating the mortgage account. I was informed an additional {$2100.00} payment, was required to reinstate the account to a current status. However, she would confirm and follow up with me. I did not receive a return call although I left several message s for XXXX XXXX for an update/confirmation. On XX/XX/XXXX, I received a call from a XXXX XXXX with instructions to wire {$2100.00} by XXXX to XXXX XXXX XXXX XXXX Ohio XXXX. When I contacted my bank to process the payment, there was concern due to the urgency I exhibited. I assured them I was in contact with my mortgage company. However, I was not able to wire the funds via the banks video banking option. I contacted XXXX XXXX about the issue. She noted she would follow up with me but never did although I called her approx 6-7+ times. Today, I received the {$13000.00} funds returned to my attention indicating the amount was not sufficient. Again, I left several messages for XXXX XXXX with no response. I plan to overnight the checks in the amount of {>= $1,000,000} on tomorrow. However, I would like your assistance in reviewing this issue as I feel there is non support and switch/bait as to how to retain my home.