23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Citibank Dispute Department, I hope this message finds you well. I am writing to formally request the immediate reopening of my dispute against the merchant Get XXXX XXXX concerning an outstanding charge of {$250.00}. 

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 XXXXXXXX I am increasingly concerned that my previous dispute was not handled with the attention and care that customers deserve. The purchase I made was for an airport pickup service. Upon my arrival, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXfter reaching out to the merchant, I was informed that they do not operate on XXXX, which is when my pickup was scheduled. This information was not communicated to me at the time of purchase, leading to a significant inconvenience and financial loss. 

I promptly requested the merchant to cancel my order and issue a refund. However, they have refused multiple times to accommodate my request, leaving me stranded without the service I paid for. 

Subsequently, I contacted Citibank to dispute this charge, under the assumption that a thorough investigation would be conducted. To my surprise and disappointment, my dispute was closed without any communication from your team regarding the merchant 's response or any efforts to reach out to me for clarification. 

I kindly urge you to reconsider my case and conduct a more comprehensive investigation. It is crucial for me to receive the service I paid for or a proper refund, as the current outcome is unsatisfactory and does not reflect the standard of service I expect from Citibank. 

Thank you for your attention to this matter. I look forward to your prompt response and hope for a resolution soon. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Mortgage

I was asked ( as I was leaving the branch ) to refinance my home loan. The local expert was on the phone and unavailable. They said " We 'll have him call you '' ( which they never did ). I never gave them my name, address, or phone number. Ten days later I got a rejection letter which I threw in the trash. Turns out they had made a hard inquiry which is now a negative factor on my FICO score and they refuse to have it lifted. ( Only the bank can do that. ) They ignore my requests, clear up to the VP in charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. XXXX has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called XXXX and they are telling me they have zero information on my account. I called Experian and the other two credit bureaus and they both are laying the blame on XXXX. I filed a complaint with Experian in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what XXXX has been doing as they have my full late payments listed as far back as XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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: Credit reporting or other personal consumer reports

I changed my payment bank account.in XX/XX/2024. I went on website and submitted all. I was told in XX/XX/2024 that they had a computer glitch that did not take the account and to submit a letter to their credit office. Haven't heard from them and they only take mail correspondence.
Product: Mortgage

Last year around XX/XX/2021 I started a forebearance plan with XXXX, my mortgage company. I had it extended and was on the plan for 12 months. I received letters explaining my options on paying back what was owed. Either lump sum, extra payments toward the amount or add it to the end of my loan. Around the time it ended a different company took over my mortgage, a company called XXXX Mr. Cooper XXXX I started receiving statements with a the balance of my total payments that didn't get paid during the forebearance plan. I was told that this company that took over my loan doesn't offer the forebearance plan and that I don't have those options to pay back the amount owed. So basically I'm behind about {$10000.00} and I'm not sure what I can do to resolve this.
Product: Mortgage

I had an insurance loss XX/XX/2020. I notified Rushmore my lender. I settled and got a two party check. I again notified Rushnmore. They rold me to endorse it and to send it to them, They also told me to send a letter of intent for the check. I told them i was trying to sell the property and UPON the sale of the property the check can be used to pay the remaining mortgage and send me the rest. They took the proceeds and paid the mortgage without me notifying them. Now if I can not sell the property, I no longer have funds to fix it.
Product: Money transfer, virtual currency, or money service

I have tried to sent money through moneygram and the bank account that i try to sent money to wasnt working with moneygram in XXXX. So i called back moneygram to ask for refund or cancellation they said because you did it from online you have to cancel through your bank account then everything went wrong.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for while now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery of XXXX, VA reported old information & old XXXX XXXX account I already disputed and had removed previously. I need this removed from both XXXX  and XXXX again as I am in the process of repairing my and maintaining my credit score and this causes significant damage that they previously agreeed to remove. I have settled the old collection account and now have a new secured account with XXXX XXXX that is current and 100 % positive in order to increase my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

XXXX  - XXXX XXXXt XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX  XXXX - XXXX XXXX  - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for an auto loan in private and in good faith, and I was denied. I sent a letter to Bank Of America to resolve the issue but they ignored my efforts. I have exercised my God-given right to extend my credit and that has been violated. Also, there is an inquiry on my consumer report, which is proof of a credit consumer transaction that took place. That transaction did not include me, because that was a transaction between Bank Of America and the consumer reporting agencies. That is fraudulent activity. I have never given explicit verbal or written permission for Bank of America to report on my consumer report. With that explained, my right to privacy has been violated as well. The loan denial is proof of discrimination, and the only resolution is for Bank of America to open my credit account for my auto loan and compensate me for violating my rights and causing me emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX dispute letter to TransUnion on XX/XX/XXXX. They received it and my disputes were active on XX/XX/XXXX. Under federal law, they have 30 days to complete my dispute. Either verify them or delete them by XXXX XXXX. Today is XX/XX/XXXX and it has been more than 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$830.00}
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the banks thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : Account TD AUTO FINANCE XXXX This is neither an acknowledgement of debt or a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. 
You must provide the following alleged information to me within XXXX ( XXXX ) days from your receipt of this letter. 
Creditor 's Name and Full Address Name of Debtor of Record Full Account Number Amount of Debt Due Date of Debt Original Charge Off or Delinquency Date Explanation of how the Debt was calculated Evidence that the Debt is within State 's applicable Statute of Limitation Name of Collection Agency or Owner of Debt, if applicable Amount Paid if Debt was Purchased Completed and Executed Agreement, including Signature Pages, for the Debt Deficiency Balance Auction Date
Product: Prepaid card

Cash app Over charged me multiple times since XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint to ensure that the items in my file that appeared to be fraudulent are deleted ultimately. 
Please delete the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit inquiries with XXXX band they open and close my dispute in the same day with the same Generic response they dont even investigate. I need help someone is applying foe loans and XXXX wont stop it or remove the inquiries. The list of inquiries are below 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX 7. XXXX XXXX BANK XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many many complaints to CFPB on XXXX for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Product: Credit reporting or other personal consumer reports

XXXX refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, experian theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these adverse items
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance with XXXX on XX/XX/2022. I was told it would take 30-45 days for it to be removed from my credit report but it has now been 3 months. My credit has been affected. My account still says I owe them and havent been paying them for the last 3 months when in actuality its already been settled. Sezzle support has done nothing but repeat 30-45 days even after its been much longer than that. They refuse to help in any way and this isnt an isolated incident. XXXX works well until you have a problem and then they become a company from XXXX. I have the receipt of my payment to XXXX. I have transcripts of XXXX employees being completely negligent, some not even reading what I actually said before responding. I have been disputing this with the credit bureas and XXXX and XXXX say that the information is accurate according to XXXX which is False! I have submitted the receipts, got verification from both XXXX and XXXX themselves that I paid! Yet they refuse to correct my credit report.
Product: Debt collection

I XXXX XXXX Have spoke with the company and informed them that I never made a purchase of that sort from XXXX XXXX XXXX and I also informed that I visited the XXXX XXXX XXXX location and they stated that I was in great standing with the company and that nothing was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Application was denied. Never received letter as to why it was denied. No contact info changes. Curaao could not tell me why for denial.
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 of 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 CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

US Bank has unlawfully blocked and obstructed me from making mortgage payments on my home that I bought with my husband in XXXX and has put me into foreclosure. I am the rightful owner of the property, I the grant deed has been recorded in my name and the home has gone through probate and the judge has ruled that I am the heir and owner of the property. ( paperwork included ) US Bank is required to accept payments and discuss this mortgage obligation with me as the rightful heir of the deceased borrower. 

This has been my home since XXXX and there is a great deal of equity in the property and instead of following guidelines and the law US Bank is intentionally denying access to communication and options to resolve this delinquency. I have the ability to pay my mortgage payment, I just need help with the delinquent payments through a repayment plan or deferment or some type of workout. US Bank has never considered my ability to pay or reviewed any of my financial information and the failure to do so prior to filing of the Notice of Default is in violation of the XXXX  Homeowner Bill of Rights. 

My husband took out this line of credit in XXXX for {$100000.00} through US Bank. There were no problems making the payments. My husband passed away in XXXX and after I received the death certificate I went into a US Bank office and provided the information and attempted to make the mortgage payment. Their agent refused to accept the payment which seemed hard to believe. I then started paying by personal check through the mail with my name on the check and US Bank ACCEPTED these payments. A few months after my husband passed I was overwhelmed with bills and extra expenses from funeral etc. and I missed a couple of payments on this HELOC. I was able to make a lump sum payment and get caught up and there were no issues with US Bank accepting monthly mortgage payments from my personal checks. 

I have worked as a XXXX XXXX for a XXXXXXXX XXXX  company for over 20 years and make a good living. In XX/XX/XXXX I started having a hard time because at work it was slow so they cut my hours due to a slowdown of work coming in. This led to financial issues due to lack of income and the mortgage payment going to {$500.00} a month instead of {$300.00}. I missed a few payments, and like I did in the past I tried to pay an extra amount to get caught up. I sent a direct debit payment for {$1600.00} from my bank account directly to US Bank on XX/XX/XXXX. Instead of applying the payment to the mortgage account, US Bank sent the funds back to my bank with no explanation why. When I tried to call in and talk with their agents they told me that they can't talk to me because I am not on the loan. However, US Bank has willingly accepted payments made from my bank account for over XXXX years.
Product: Checking or savings account

I have an issue about stock account with XXXX  On XX/XX/2021, XXXX days ago, I found that I was not able to log in to XXXX account and was not able to reset password and could not verify account information. 

I sent them emails to resolve the issue but they haven't responded not a single time so far. ( XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 I sent emails to them XXXX but only email was automatic email response that they will contact me within XXXX days. but it did not happen. 

in the meantime, MY ACCOUNT IS HACKED. 
I confirmed the my account has been controlled by hacker and fund is transferred some other person. ( I was able to see that because I still receive push notification to my cell phone ) - attached notification that I received. 


and {$2500.00} was transferred to other person 's account ( which I can't verify ) definitely it did not come to my bank account. 
on top of that, any possible trade/transaction is happening against my intention.
Product: Debt collection

I owed on a {$100.00} Dollar Loan that was raised to $ 132+ amount. They sold the debt to another collection agency and I paid {$180.00}. Almost twice the amount of the original loan. XXXX XXXX  XXXX still shows an outstanding balance amount with361 days and counting that the loan has not been paid. The load was sold and not reflecting the correct amount which is effecting my credit rating with this false reporting and intentional inaccuracy. What am I suppose to do, pay the debt twice in order to have the debt clear? I wouldn't put it past them. That would be highway robbery.