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

I cancelled my Citibank/XXXX  XXXX XXXX credit card XXXX XX/XX/2022. 
In XX/XX/2022 Citibank verified that my account was closed. 
XX/XX/2022 Citibank charged my old checking account which had been closed and the charge was rejected by my bank. 
Apparently Citibank had paid my XXXX membership in XXXX, three months after the account was closed. 

I kept getting no-reply e-mails from Citibank billing XXXX for {$180.00} XXXX membership XXXX I could not pay Citibank the money because there was no contact information in these e-mails and my log-in had been cancelled. I called Citibank customer service several times and each time was told my account had been cancelled and to disregard those e-mails - I owe nothing. 
Then Citibank 's aggressive debt collectors started calling me and I paid them the {$180.00}. 
Then an overly aggressive Citibank agent called me and said I owed an additional {$170.00} in late fees and interest. As I am in my late eighties and as the stress was getting to me I paid the additional {$170.00}. 

Afterwards, I wrote a letter to XXXX XXXX, CEO of Citigroup Inc . I received a telephone reply from the " Citi XXXX XXXX XXXX '' during which the lady I spoke to maintained that " You should have made more attempts to pay your membership ''. When I asked what more could I have done she said I could have called the number on my Visa card - I said I did more then once and they always said I don't owe anything. She maintained I should have tried harder. 

The interest and late fees I was charged and paid ( {$350.00} ) amounted to 94 % of my XXXX membership ( {$180.00} membership plus {$170.00} fees and interest ). 94 % for six months equals 188 % interest and late fees annualized.
Product: Credit reporting or other personal consumer reports

I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from XXXX XXXX, XXXX XXXX and Exeter finance on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX, since XX/XX/XXXX, a late payment with XXXX XXXX ( Creditor ), a financier for Byte, reported a late payment to the credit bureaus that are not accurate. The credit bureaus reported a late payment from XXXX XXXX that are not accurate. This resulted in XXXX points. 

XXXX were ordered from XXXX ( XXXX ) back in XX/XX/XXXX. Nothing was received and I followed up on XX/XX/XXXX, and there was no response from customer support whatsoever. I received an automated email that XXXX was undergoing a lawsuit between XXXX XXXX. I stopped payments due to a stop in treatment. 

After being followed up with by XX/XX/XXXX, approximately five months later, regarding my XXXX XXXX and finally being provided next steps in my treatment plan, I then paid the balance due, up-to-date, to XXXX XXXX. 

Therefore, the late payment reported is not accurate and needs to be removed. 

Since XX/XX/XXXX, XXXX removed a collection as a result of a dispute, but deducted XXXX points for a small increase in a closed account XXXX XXXX XXXX XXXX 

XXXX points and XXXX points for a small and yet inaccurate report is a very drastic drop and should be investigated on the competence and level of compromise in mishandling credit reports and the misuse of them by the credit bureaus, along with the measure in which they calculate such deductions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items : 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 DC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$280.00}.
Product: Credit card or prepaid card

On about end of  XXXX  of  XXXX  I order  XXXX  pairs of shoes fro m Macys.  I received  XXXX  pair only. I called them and they re order me the other pair. When I received them, they where too big. I returned them in the store located in  XXXX   XXXX  in Florida on  XXXX   XXXX  of  XXXX , I have a received from the store. I later get a bill statement from  Macys char ging me for this item. I called them and after abou t 15 mi nutes of listening to all these offers before getting an agent, I explained the situation to the agent. She said that I still owe the shoes, I gave her the number on the received and she had to call a supervisor to adjust my bill. They said that my balance will be adjust within 48 hours but that it will be on  XXXX  balance.   The following month I received another bill, I am upset at this time. I called again customer service and again afte r 20 mi nutes of offers, in this case I am furious how difficult it is to get through someone before listening to all these offers. I explained the situation to the agent, she was very polite but at this point I had no care for politeness, I want to speak with a supervisor because she was not understanding my problem. She explained that I owe the amount for what ever reason, I was not interests at this point, I wanted a supervisor, I gave her the name of the supervisor that I had from the previous call and that is when she put me on hold. she came back stating that there was a mistake and that they will adjust my bill and that my balance was  XXXX .   Again, this month I received another bill with late fees and all. I tried to call customer service, but it is ridiculous how you are placed to offers one after another, running my phone minutes. at this time I am done trying. I do not know what else to do or who to go to. Please, help!!
Product: Debt collection

Hi, I requested for a detailed statement of an amount that a debt collector is requesting for me to repay for a cell phone service I had for over 10 years. The debt collector/original collector sent me a bill with the full amount due with no description/breakdown of the amount owed. Can you please look into this issue. 

Original Creditor : XXXX Collector : Diversified Consultants , INC Account # XXXX Agency File # XXXX Balance Shown # {$590.00}
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. 

XXXXXXXX XXXX XXXXXXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$1900.00}, XXXX XXXX {$0.00}, has violated my rights. 

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 general, 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 supposed 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit card or prepaid card

My Synchrony Bank Amazon # XXXX and Ashley Homestore/Advantage # XXXX credit card is lost/stolen and has fraudulent and unauthorized charges on both accounts. All the charges and transactions on both credit card accounts are fraudulent charges and not my charges.
Product: Bank account or service

opened XXXX online account in XXXX I believe ends in XXXX made deposit XXXX 2 hours later account in lock down. told to call a number that no one answers finally after almost XXXX minutes on XXXX someone answers tells me the signature does not match the check issued before. and for that reason rep called without my knowledge or permission the entity that issued it. put me on hold again with no respect for my time told me on XXXX it would be on hold til XXXX because of the lack of verificiation no good. also on XXXX I noticed the XXXX in there already BEFORE deposit of XXXX was on hold and not transferrable. Lots of waiting lots of inconvenience. meanwhile I am a XXXX credit card holder for years no problems. this really is not right. I opened this to save money and avoid hassles not bring more on. I need to know why this happened be comped for my trouble have the money released asap so I can use it and be sure it does not happen again. Do something about the hold time on security line. HELP like my tiume does not matter IT DOES
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to correct the fraud in my name with this collection agency numerous times and they continue to insist that it's owned by me. When I ask them to provide proof of my signature and or photos of the ID or driver licence used for each individual charge, they've have not done so. These are not my account. These accounts were used fraudulently. Both XXXX  and XXXX  have removed them from my credit report after XXXX XXXX XXXX provided no proof. However, XXXX has allowed them to just said that they've verified the fraud account without showing any proof. Please help me with this matter. The bills total {$100.00} and {$82.00}. Unfortunately, I don't know what date these accounts were used or made.
Product: Debt collection

The issue is that this debt collection company, XXXX XXXX XXXX XXXX XXXX, is attempting to collect a debt on a credit card that resulted from an identity theft. As shown on the credit report, the original creditor was stated as Barclays Bank Delaware. I contacted Barclays Bank Delaware and informed them the account or card is not mine because I've been an identity theft victim, and the report is not mine. They should close whatever budget is under my name, remove my information from their records, and delete the entire history because it's not mine. Barclays Bank Delaware representative asked for an FTC report, which I drafted and sent to them. They told me they would immediately close and remove the account from the credit bureau, and I don't have to worry about this account again. However, now it continuously reports, and I keep getting harassed by a collection agency attempting to collect a debt on a credit card that was opened through identity theft. I informed them that the account or credit card originating from Barclays Bank Delaware was not mine. They needed to stop attempting to collect a debt under a fraudulent account because it was against the law. However, they refuse to understand and continuously harass me by claiming that this account belongs to me. The report is not mine ; the debt collection is not mine. This fraudulent account was supposed to be removed from the records long ago because it resulted from identity theft, and they refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Cyberattackers obtained my social security number, full name, address, driver 's license number, and credit card numbers. I verified through their system that I was one of the people affected. Equifax is charging me {$10.00} to freeze my credit. I would not like to pay  {$10.00} to save myself from their horrible mistake. Furthermore, in order to verify that you were affected, they require that you waive your right to be part of any class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper Mortgage You are charging me the wrong amount for my property taxes. I have spoke to numerous departments over and over about this and faxed you on XX/XX/XXXX the tax property coupons. No one corrected this or acknowledged my fax in XXXX. 
Yesterday XX/XX/XXXX I received an email saying my statement was ready. You ran an analysis with the wrong information AGAIN and adding to it now saying I also have a shortage. 
I spent 55 minutes with a man who could not answer why thus is happening and said my taxes must have changed. I went to the XXXX Department in my County and No they had not increased or changed. 

My County tax department pointed out that you were charging me the {$45.00} water basin fee 2 times, which is incorrect. 

This fee is a ONE TIME ONLY ANNUAL FEE. 
The {$45.00} fee is INCLUDED in the XXXX Spring installment only. 

XXXX + XXXX = XXXX. This was already paid in XX/XX/XXXX. 

The second installment is XXXX due in XXXX. DO NOT ICLUDE THE {$45.00} My total annual tax bill is XXXX On the last several statements you show XXXX. 

I faxed the tax department AGAIN on XX/XX/XXXX for the second time requesting this be corrected. 
This is a simple correction that I can not understand why it is not being addressed. 

Can someone actually make this correction and tell me why I'm again being thrown into a shortage AGAIN? 
In the last 4 months my payments have fluctuations of XXXX XXXX XXXX. Shortage PAID IN FULL XXXX XXXX XXXX My current installment is XXXX Currently- I have paid another XXXX shortage on XX/XX/XXXX but don't understand why or what made an escrow shortage. 

This XXXX shortage is unexplainable plus the additional monthly tax of XXXX XXXX is inaccurate. 
You need to correct the tax amount in my escrow You have not properly serviced my account and have not made corrections that I have requested. 
If you had corrected the tax error before you ran another analysis on XX/XX/XXXX there would be no shortage again. 
These errors in my escrow since XXXX have been made by your departments and their lack of knowledge or ability to make timely corrections. 
I am requesting my escrow account be brought accurate correct the tax amount and refund the XXXX shortage I paid that no one could explain why I was shortage
Product: Debt collection

On XX/XX/2018, I received a letter from a debt collector XXXX XXXX claiming that a debt was owed by me to another debt collector JTM capital. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a  debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their  response letter, XXXX clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, XXXX furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. XXXX XXXX are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to XXXX today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
Product: Credit card or prepaid card

Multiple disputes being denied by cashapp without any explanation even though I've showed proof that what I purchased was never delivered. 

Another issue is having refunds submitted but cashapp canceling the refund so it never reaches my account. This company does what it wants with other people money
Product: Mortgage

We started a construction loan with New American XXXX in XXXX of XXXX. When it came time to convert to an FHA loan they suddenly asked for a lock fee that was never disclosed in original loan proposal or the modification proposal. They knew we had no choice but to pay it. There has never been a TILA disclosure provided. They told us about the fee in passing by email a week before closing. Further. Taxes and insurance were incorrectly calculated and we had to get them to make corrections and they are still vastly over stated. Lastly we were told repeatedly there would be no XXXX payment but in reality that payment was made in the modification closing ( that we had to scramble to pay because they told us if we didnt close by XXXX we had to start over ) and again completely undisclosed. Then we log in today to find that they have activated auto pay without consent AND they are indeed drafting our account on XXXX for the mortgage payment. Extensive bait and switch. We are requiring the reimbursement of the undisclosed fee and the included XXXX payment in the closing that was not disclosed. We were told we only were paying interest from the end of the old loan to the new loan. Not the full payment for XXXX XXXX within a week.