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

I have been banking with Citibank for over 15+ years. In XXXX  2017 Citibank allowed a fraudulent transaction to go through with my checking account. A check was processed/debited from my checking account two times on different dates. The recipient of the initial check might have committed a fraudulent activity by redepositing a check that they deposited two months prior. Citibank allowed the check to clear my account the second time around and has yet to credit me back my money that was clearly stolen from me. It is now the end of XX/XX/XXXX and i have not gotten any feedback from Citibank. I will be removing all my money and changing mortgages once this is finalized. Citibank has shown me terrible customer service in this situation. Utterly disgusted with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/20 I went into XXXX XXXXXXXX XXXX at approx. XXXX. I was going to purchase a 6 pack of beer, upon inserting my debit card in the machine, it said approved and to remove the card. I did, the cashier as well and other gentleman at other register ( I believe either manager or owner ) claimed the card did not go through and to reinsert my card I did with the same results.The two gentlemen told me I needed to put my car in again, because they could see it did not go through. I refused and told them I would be checking with my bank, I left the store making no purchase or leaving with any goods. cameras in store could verify that fact. I didn't have my telephone on me at that moment, so as soon as I did I checked my account and both transactions were pending, I called TD Bank immediately, I was told to wait until next day to file a complaint to make sure transactions go through, they did and I called the bank to file complaint. TD bank sent me a letter informing me that I needed to provide a receipt for transaction which I never received anything, because other than them taking my money there was no transaction. I was told to rewrite complaint and fax to fraud dept. I did and received letter in mail saying there was no processing error and they were taking money from my account.
Product: Credit card

I caught up and overpaid my bill to make sure that I was caught up. My balance one day was negative $ XXXX. When I woke up the next day there was a {$240.00} charge that isn't showing on any of my screens. I called them up and they said that there is a charge for {$240.00} from XXXXXXXX XXXX XXXX I explain to them that there is no charge showing on my account. They continued to tell me that there was. I told them that I had screenshots that the transaction wasn't there and they treated me like I was crazy. They said that they would put in a ticket. When I got the new supervisor she never mentioned a ticket and continued to act like I was crazy that the transaction was there. I told her again that I was looking at the screen and that there is not a transaction. I do not like that they can allow invisible transactions. There's no way to dispute it and there's no way for me to see charges on the card if they make them invisible. I find this to be extremely unprofessional that they did not offer to fix the problem until I push the issue.
Product: Credit reporting or other personal consumer reports

Ive submitted countless debt request validation letters. Ive submitted documents Ive called. I spent countless hours on the phone to speeding. These things have never been forwarded accurately and there some are still closed. Still reporting as a negative XXXX refused to just help me out and its causing turmoil and great grief to XXXX XXXX where I cant even get alone I cant even finance a vehicle, I demand they removed everything that is reported accurately, countless data, breaches, etc. 
XXXX XXXX XXXX battery breach XXXX XXXX XXXX XXXX breach I mean, countless that reaches it which is exposed. All my information has caused me to have my credit report completely annihilated with negative information. Its not mine. I demand that they remove this because it should be illegal for them to be so negligent with my personal information.
Product: Debt collection

I am not the owner of this debt. I do not have an account with this company or the company that is listed that its being collected for, XXXX. I do no have an account with XXXX nor did I take out a loan or open an account with XXXX. I have XXXX XXXX XXXX as my cell provider and have been with XXXX XXXX XXXX over XXXX  years. I disputed this on my credit report and it was not removed and there was even a notation now placed on my report that says it was certified as accurate and correct. This is false and could not have been verified as true and accurate because I did not open the account. This is fraudulent and probably an act of identity theft. It needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request plaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX, XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX Bankruptcy : XXXX XXXX- Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX  LA XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my lawyer XXXX XXXX XXXX XXXX XXXX XXXX   have been trying for almost a year to get items removed ( that should not be on my credit report ) aswell as to actually trying to speak to someone regarding my report. My lawyer has contacted equifax many times on my behalf, I also have contacted them, to discuss the issue and to get an updated credit report. Since writing this I have requested a credit report three separate times over the past few months and still have not received it?! Also my lawyer has sat on the phone trying to get the information and she has been told that information can not be given to her without my consent, which I have given. This matter has cost me greatly, I have had to take a higher interest mortgage in XXXX of this year because of lack of communication on the part of Equifax.The items that were supposed to be removed after my lawyer working on this for months, STILL have not been removed to our knowledge as for some reason equifax will not provide an updated disclosure. My lawyer and I are considering my options which do include suing the company regarding the matter. I would appreciate if someone got back to me regarding this most stressful issue.
Product: Checking or savings account

XXXX XXXX is holding my deposit I was to be paid on Thursday and its Friday 5 minutes until XXXX and my funds are still not available banks will be closed all weekend during a holiday weekend there is no eta on when funds will be a available. Ive tried to call them and there over a 2 hour wait
Product: Credit reporting or other personal consumer reports

I have disputed this alleged bankruptcy with Experian on numerous occasions. One of the first times I disputed this alleged bankruptcy they responded back with verified via the bankruptcy court. I reached out to the bankruptcy court who says they do not provide that information to the bureaus. I disputed this alleged bankruptcy again with Experian including the bankruptcy court letter and they responded back with verified via XXXX XXXX I contacted XXXX XXXX who stated the alleged bankruptcy is unverifiable and also froze my credit. I disputed again with Experian and provided the bankruptcy court letter and the XXXX XXXX letter and this time they just said it was verified. I recently ordered my XXXX XXXX report and there is no bankruptcy attached to my report. 

I disputed this alleged bankruptcy with Experian on XXXX, XXXX, and numerous of other times including a phone call on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Multiple address and names spelled Incorrectly in my credit report which are n fact innacurate and essentially constituted Fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Inaccuracy an privacy violation Due to Data Breach Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report that I believe have arisen as a result of a recent data breach involving my personal information. My dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information contained in consumer credit reports. 
Details of the Dispute : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Description of the Issue : I was informed that my personal information was compromised in a data breach at the credit reporting agencies, XXXX XXXX Experian XXXX XXXX XXXX This breach has likely led to the erroneous reporting of information on my credit report, including but not limited to inaccuracies on my credit report also a violation of the FCRA and my rite to privacy in leaked information as my social, address, account information and more. 
Requested Action : I ask that these following accounts be remove from my credit report immediately XXXX  XXXX account # XXXX XXXX Account # XXXX Premier XXXX/XXXX  XXXX  account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX I request that you investigate this matter and ensure that any inaccurate or fraudulent information related to this data breach is corrected or removed from my credit report. I also ask for confirmation in writing once these corrections have been made. 
Please provide me with a written response detailing the actions taken in this matter within [ reasonable timeframe, e.g., 30 days ] as stipulated by the FCRA. 
Thank you for your attention to this matter. I trust that you will act promptly to rectify any inaccuracies that have resulted from this unfortunate breach of my personal information. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I NEED TO CHANGE MY SOFI DATE OF BIRTH FROM XXXX XX/XX/XXXX TO XXXX XX/XX/XXXX XXXX
Product: Debt collection

My complaint is about i went to XXXX many years ago and they involve to sing a time share,XX/XX/XXXX now i have a problem with my credit i collection evetime said is more and more money. 
Now I have the collection for years i don't want to paid for something the i can used and i never used in my life, they calling me always. 
I spoke with them explain the situation i can not paid that already past 7 years and still my collection is on my credit. 
Im involve and another friend. Were in the same situation.
Product: Credit card

Hello Discover XX/XX/year> I am currently on your hardship program with a XXXX  % interest rate at a minimum payment of or about {$XXXX} a month and am paying this as well as wanting this to continue. Do not take me out of the hardship program, even if you can offer something lower, that would help, please continue. 

Per my conversation with all your representatives I am requesting your further assistance with modification to your policies to keep my interest rate low due to the fact that I am XXXX and on a fixed income from the XXXX XXXX XXXXXXXX so that I can have some kind of financial well-being in paying off my balance, helpful somewhat, any other assistance you can offer to help even more would be appreciated. 

Thanks.
Product: Mortgage

my home loan was foreclosed on XX/XX/XXXX with Ocwen loan, but my Ocwen loan XXXX is showing on my credit as late payments of 120 days. the loan company continued to put late payments until XX/XX/XXXX. I contacted the company of the issue and was told the loan was XXXX out on XX/XX/XXXX and will receive a statement in 2 to 6 months. I was not allowed to fix the problem
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.
Product: Vehicle loan or lease

I bought a XXXX audi XXXX from an audi dealership in XX/XX/XXXX. It was purchased with XXXX miles on it and by XXXX the car was taken to the dealership due to motor issues. Before I close the sale, I told the finance manager that I wanted the extended warranty, but come to find out he put warranty besides the certified preowned. Audi wanted to pay XXXX for a new motor and I explained to them that I just purchased a car and they should not be having motor issues at XXXX miles. They stated that I did not have certified preowned on the vehicle so therefore I was responsible for all charges. theyve had my car for a total of XXXX XXXX months and still no solution. Im still having to make payments on the vehicle, even though its not in my possession. They want me to get into another vehicle thats smaller than my current vehicle for {$200.00} more a month ( {$950.00} ). They sold me a lemon and are not working with me on a resolution
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( XXXXXXXX XXXX ). Account ( XXXXXXXX XXXX XXXX XXXX  ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Checking or savings account

At the end of 2022, US Bank was advertising a promotion that included a bonus for signing up for one of their checking account products. As I was looking for a new financial institution at the time, I evaluated a few choices and decided this one was slightly superior to the close competitors because of this relatively unique bonus offer. After confirming with multiple customer service representatives from multiple departments ( and repeatedly being promised follow-up ) on multiple occasions that all steps were completed correctly and approved and that the bonus would be posted, absolutely no follow-up has been communicated and no bonus has been posted. Ultimately, I have been far more than patient and fair in both the process and duration of this transaction and believe they are operating in bad faith, hence the need for CFPB intervention.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I made a down payment of {$500.00} towards a car that was advertised on XXXX XXXX that I found out 4 days later was a scam. The lady I thought I was buying the car from was hacked. 
I contacted Paypal about the scam and they quickly dismissed the claim stating it was not an unauthorized payment. 
It was my understanding that if a product is bought through Paypal and does not show up or not as described, Paypal refunds the money.
Product: Checking or savings account

Direct deposit is not in account but my company sent the money. Capital one has no explanation of where the funds are. They have not updated me on when this be resolved. When you call it does not allow you to speak to customer service. It is now locking me out of my account completely. All balances I accounts show {$0.00} with no explanation. I can not get to work because I don't know where my money is. Capital One is not available you explain what's going on.
Product: Checking or savings account

I am writing to formally request an investigation into XXXX XXXX for potential violations of regulations governing financial institutions, including possible violations of XXXX rules, in connection with the handling of my brokerage account. Their repeated delays, lack of transparency, and failure to release my funds have caused significant financial and emotional distress, and I believe their actions warrant immediate scrutiny. 

I opened an account with XXXX XXXX on XX/XX/year>, and shortly thereafter, my account was subjected to restrictions. Despite adhering to all instructions provided by XXXX XXXX, including a visit to their branch office to provide my identification and verify my account, they have continued to impose restrictions and deny access to my funds. 

On XX/XX/year>, I visited XXXX XXXX XXXX XXXX, PA office and presented all requested identification documents. Their staff confirmed that my identity had been successfully verified. However, even after fulfilling these requirements, XXXX XXXX has continued to find reasons to delay the release of my funds and the reactivation of my account. 

Their representatives have failed to provide a clear explanation for these restrictions or a timeline for resolution. This lack of transparency and prolonged delay raises significant concerns about their compliance with applicable financial regulations and fair treatment of customers. 

I respectfully request that the CFPB investigate XXXX XXXX  practices to ensure they are in compliance with all regulatory requirements and consumer protection laws. Their actions have not only caused undue hardship but also highlight systemic issues that may affect other customers. 

Thank you for your time and attention to this matter. I am available to provide any additional documentation or details to support your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted paperwork to Equifax and they have not removed these two collection accounts that are not mine or provided any additional information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, Equifax, and TransUnion for failing to update and correct my personal information as required by the Fair Credit Reporting Act ( FCRA ). 

Despite my multiple requests, these credit bureaus continue to report inaccurate addresses and employment history, which I never provided or no longer reside at. This misinformation is affecting my ability to secure credit and causes unnecessary confusion when lenders attempt to verify my identity. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681b ( a ) Credit reporting agencies are only allowed to report information with a permissible purpose. These outdated and inaccurate addresses do not serve a permissible purpose and must be removed. 
15 USC 1681c ( a ) ( 5 ) Obsolete personal information should not remain on my credit report. 
15 USC 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. My previous disputes have either been ignored or not properly investigated. 
15 USC 1681e ( b ) Failure to maintain maximum possible accuracy in my credit file. 
Requested Resolution : I formally request the immediate deletion of all outdated and incorrect personal information from my credit report. The only correct personal information that should be reported is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Any other addresses, names ( including " XXXX XXXX XXXX '' ), or employment history listed on my credit report must be removed immediately as they are inaccurate and outdated. 

I have attached supporting documentation, including a copy of my government-issued ID and proof of my current address. I request that the CFPB ensures compliance with the FCRA and holds the credit bureaus accountable for failing to maintain accurate consumer records. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information reported on my report from XXXX, XXXX, experian