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

I obtained in XX/XX/2022 a credit card with Citibank # XXXX, since then I was able to use it a couple of times and then it has always been a problem to use it, so I asked for the cancellation of the account and return of my {$2500.00} deposit money plus an extra {$3.00} on the same credit card, this bank works extremely badly, and so far they have not canceled my account or returned the money, I am tired of calling CITIBANK so I turn to you to help me solve this situation, since I had an accident and I urgently need this money back. 

XXXX My ID is my passport # XXXX XXXX XXXX Cellphone XXXX
Product: Debt collection

This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT VARIOUS DISPUTES, TO EQUIFAX AND HAVE BEEN IGNORED MULTIPLE TIMES
Product: Credit reporting or other personal consumer reports

I contacted XXXX to ask for a complete accounting and record of payment. They said it was to old. The representative said unable to locate record. By FEDERAL LAW I SHOULD BE ABLE TO HAVE A FULL ACCOUNTING OF TRANSACTION. I have a 30 day XXXX  late payment on all three credit bureau XXXX, EQUIFAX AND XXXX.
Product: Debt collection

I saw a collection account on my credit that came on in XX/XX/2018 from XXXX XXXX  XXXX. This collection agency is not licensed or bonded to collect in my state. They never contacted me or anything. they just put this on my credit for XXXX I don't know the original creditor. This agency is operating illegally, they are not bonded.

I asked them in writing to verify or validate this debt and they refuse to do so
Product: Money transfer, virtual currency, or money service

My friend recently sent money to my Wise.com account but forgot to include my reference number. She made the transfer from her XXXX  XXXX XXXX checking account to Wise Inc. 's XXXX XXXX account in XXXX. 

Despite the payment appearing to have been delivered XXXX  days ago, Wise.com claims they can't locate the payment. I've already provided proof of transfer, but Wise.com is holding my money in their system and refusing to either return or deliver it. 

Please help!
Product: Credit card or prepaid card

I filled out a dispute form and both emailed and faxed to this company back on XX/XX/2022, for a fraud claim I had filed with them shortly before over the phone. They only resolved one measly charge, out of the 13 that I reported fraudulent. They completely eluded about 90 percent of my fraud claim...
Product: Vehicle loan or lease

I got a loan for XXXX. I made the first payment. Its a high interest loan. They told me its XXXX dollars a day on the balance i paid three days early. They told me my whole payment went to the interested no money went to the principal i still own XXXX. Its impossible at XXXX dollars a day the interest amount for the month is max is XXXX dollars. I ask why its reported my interest is 9 % and my contract states it 28 % when the max on an auto loan is 23 % they hung up because they couldn't explain nothing to me about my loan.
Product: Credit reporting or other personal consumer reports

To whom I might concern, I need help I seened my credit report XXXX TRANSUNION AND XXXX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX Balance : {$0.00} ; CONNS XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XXXX # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX of XXXX XXXX XXXX reached out asking if a new card with XXXX was mine. I did not see the email at the time. 

On XX/XX/XXXX of XXXX I received my first email from XXXXXXXX XXXX ( now owned by XXXXXXXX XXXX  ) stating the card was maxed out and unpaid. 

On XX/XX/XXXX of XXXX, a dispute was raised with XXXX ( can not see the file number ). 

In between XXXX and XXXX of XXXX, I called XXXXXXXX XXXX to dispute the charges and inform them this was fraud and to close the account. 

Only XX/XX/XXXX of XXXX there was contact with XXXX to close the account since it was not valid. 

On XX/XX/XXXX of XXXX the debt showed up on XXXX XXXX again under the debt collectors who purchased the debt. I think disputed this as well with XXXX under file number : XXXX. I was supposed to receive something in the mail and never got anything. 

It can also be noted when this card was opened in XXXX, I was living in Colorado and had never visited Georgia in the year XXXX which is the billing address that was used to open the account. I have never had any affiliation with that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from XXXX. It showed a collection had been added to my credit report. I called immediately. I have never received communication from this Company to have the opportunity to resolve it before it hit my credit report. 
I called and the Lady asked if I lived in Missouri. I have never lived in Missouri in the past 40 years. She said she couldn't release any information. I want this removed from credit report. It affects my car insurance rates and everything in my life. This is DISGUSTING.
Product: Vehicle loan or lease

An unauthorized caller called to submit a payment for me. Simply by giving my name, year/make of my car and last 4 digits of my phone number the person was given the status of my account, past due balance, amount owed etc. I stated if a person calls from a phone number NOT on the account, the company should require ss # and d.o.b as verification before releasing information. The caller did not know my d.o.b nor last 4 of ss # but was allowed access with year, make and model and last 4 digits of phone number which is basically public information. That should have NEVER been allowed. My right to privacy was violated once my account information was accessed and provided to the caller, but Santander feels verification was acceptable and good with year, make and model and last for of telephone number. My neighbor can verify the account if that is acceptable verification. The verification process is unacceptable and needs to be changed to save people the embarrassment and ridicule of an unauthorized caller obtaining account information.
Product: Debt collection

I was contacted in XXXX by XXXX XXXX from the offices of XXXX XXXX  XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a USBANK checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with USBANK. The issue arose when the letters showed account numbers that did not belong to me. I then called USBANK to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX, XXXX and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted USBANK again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is just going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with USBANK though. Thank you for your help resolving this matter. 

XXXX
Product: Credit reporting or other personal consumer reports

Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, XXXX, and TransUnion and XXXX. After the investigation into the disputed information, XXXX, TransUnion and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. TransUnion needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Killings Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX XXXX then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

AWA Collection have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AWA Collection is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Checking or savings account

Bright Money is credit tracking app with a small credit line and savings program attached. The app withdraws money from your bank account into their savings fund according to projections based on your previous spending habits. For the first month, the app does not appear suspicious. 

In the summer of XXXX the app began withdrawing money from my bank account to my Bright savings account indiscriminately. Because I believed their projection model to be faulty, I chose to opt out of the savings program through their menu options. Their savings program is NOT optional, despite what they say. Bright resumed withdrawing money to savings. 

After many conversations with customer service where I was told the issue would not recur, the withdrawals still continued. I was able to recover my money and stopped using the app in XX/XX/XXXX. 

On XX/XX/XXXX, eight months after I stopped using Bright, they withdrew {$1.00} to a savings account. Twice again on XX/XX/XXXX and again on XX/XX/XXXX, for a total of {$4.00}. After many assurances last year that was I was opted out of savings, and after the wild withdrawals that caused me to stop using the app, the use of my bank account by these people eight months after I stopped using their services makes me extremely uncomfortable. They are NOT authorized to borrow money from previous users, and despite all assurances their savings program is NOT optional. It seems like a way for them to borrow money from users in the amount and time of their choosing. 

For disclosure I did have a credit line with Bright that was paid off in XX/XX/XXXX. The last {$0.00} cents in interest required a customer service representative to assist me in paying, since payment features had disappeared from my account window. 

Since my current issue of unauthorized withdrawals in XXXX, the app ( which I redownloaded ) will not launch on my phone, and any attempts to call or email customer service at met with a dead phone line or an automated email. I have no method in which to return the security of my bank account, since the company avoids contact, and their assurances have not been honored since the previous year. Currently I am trying to open a new bank account to avoid exposure to Bright.
Product: Mortgage

Earlier this year, I was approved for a loan modification, however, I was contacted by XXXX XXXX XXXX and was advised that the proposal I was provided by Select Portfolio Servicing was inaccurate. Based on the advice given by XXXX, I was in fear of losing my home even after receiving the proposal as they lead me to further believe I was losing my home. I understand I did not respond to the trial period I was initially offered because I was taking the advice of a law firm who lead me to believe I was being taken advantage of my the servicer, Select Portfolio Servicing, and I've now come to realize I was being taken advantage of by XXXX at the most vulnerable state of my hardship. I am requesting that I be considered once more to retain my home, as I am able to afford my mortgage payments, however, Select Portfolio is stating I am not eligible because I did not accept the initial offer. I would like to retain my property and not lose it to foreclosure. I made the mistake in trusting a Law Firm who contacted me, only to be scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX sent 7 emails to me, dated from XX/XX/XXXXto XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Product: Debt collection

They call me every single day before XXXX and at night around XXXX to XXXX XXXX, they call from severa numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business card and agreed to use the credit card for the sole purpose of the business. I have a personal and business account with XXXX and the personal and business accounts are separate. XXXX has been inaccurately reporting to my personal credit, the reporting dates are not accurate across the board with all bureaus as well as the dates that they began reporting on my credit. One report states that they were reporting to my personal report as of XXXX and the other credit bureaus has XXXX as the starting dates for reporting. My personal credit score has been adversely, tremendously damaged because of the high usage for my business needs and proof has been submitted. I have submitted a letter displaying that they have acknowledged that I have a business and the booklet that was sent to me enclosed with my credit card that clearly states that the business credit card account XXXX was issued for business purposes only. I agreed to that statement and have upheld to that agreement. Also I had a previous dispute asking for this account to be removed, equifax, XXXX responded by stating that that account and the requested inquiries were removed but they have not been removed. I also submitted a request for a few other things that has been reporting over 7 years ( XXXX XXXX XXXX which has been closed, both XXXX XXXX XXXX XXXX  accounts and a duplicated XXXXXXXX XXXX XXXX account ) they just keep responding that the accounts has been verified which is not what I requested.
Product: Credit reporting or other personal consumer reports

Company send something thru cfcb showing a contract the contract isnt my signature
Product: Credit reporting or other personal consumer reports

These accounts were open fraudulent without my knowledge or consent XXXX XXXX XXXX  XX/XX/XXXX {$10000.00} XXXX  XXXX XX/XX/XXXX {$430.00}
Product: Credit reporting, credit repair services, 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$800.00}
Product: Credit card or prepaid card

I am unable to log into, pay, or negotiate this account. Apparently, comenity bank is experiencing a nationwide system failure/glitch that is preventing consumers from logging into their accounts. However, I keep receiving " late/past due '' emails and have another incoming payment due in a few days. Whenever I call their customer service department, I keep being told to " Call back later because of a system update/ outage. '' I have been told this same thing for weeks now every time i call. I do not know what else to do? 

Furthermore, the loan amount in question ( {$4100.00} and change ) is incorrect. I have only received treatment ( 2 ) treatements that should have only totalled {$400.00}, from Comenity Bank 's provider, XXXX XXXX. Althought the balane was brought down to about {$2100.00} and change, this is still too excessive considering I only received 2 hair/wash/groom appointments that should have only costed me about {$200.00}. 

Lastly, I never received an itemized receipt detailing the charges of only the 2 treatments i received at XXXX
Product: Checking or savings account

I have a small business Business Advantage Fundamentals Account with Bank of America. As long as I have had the account, the minimum balance to avoid a monthly fee was {$3000.00} and I have held {$3000.00} in this accounjt. Despite the fact that I have opted in to electronic disclosures/paperless, the bank says it sent a notice in XXXX that the minimum balance requirement was increasing to {$5000.00}. A customer service agent with Bank of America told me on XX/XX/2021 that the bank is required to send fee increase notices by regular mail. The BofA eCommunications Disclosure Policy, however, states " XXXX XXXX XXXX  Types of Communications You Will Receive in Paper This eCommunications Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. 

Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement. 

I asked for an electronic copy but was told that is not possible. 

I moved on XX/XX/XXXX, and again on XX/XX/XXXX and have not been receiving all mail, despite filing change of address requests with the XXXX XXXX XXXX 

The bank waived the {$16.00} fee for XXXX and XXXX. however, they said they fee will probably be charged for XXXX, since I have brought it to their attention on the XXXX ( and by direct message on XXXX on XX/XX/XXXX. And they said I will have to call back again. 

The account name is Friends of XXXX XXXX and it ends in XXXX. My new zip code is XXXX.