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

You are known by the company you keep, and Citi is keeping company and is complicit with some very bad actors. I was billed {$310.00} by Citi for items from " XXXX XXXX '' and " XXXX '' that I did not order and did not receive. Citi sent me a form which I signed stating that I did not order the items and did not receive any benefit. Citi initially credited the billing but subsequently re-biled me. I called Citi and asked them what they had that was more credible than the forms I had signed stating that I did not order the items and did not receive any benefit. After three separate requests sent over a couple of months, I finally received a set of documents that Citi said they received from the two companies involved. It appears that this all started when I ordered a product sample from a company by the name of XXXX. I went through the documents and was unable to find any documentation that I ordered the items I was billed for, nor any proof that anything had been sent to me. I have called Citi several times and asked that they point out where in the documents it shows my placing the orders, and where in the documents it shows anything shipped to me. The Citi employees I talked to agree they are unable to provide me with proof of my ordering or receiving anything of benefit. Two of the Citi employees were forthright in admitting that this is a scam, that they get an enormous number of calls on it, and while it is a scam, unfortunately it is not fraud. In order to protect my credit rating I have paid the amounts Citi billed, however, Citi should be ashamed of their complicity in such a deceitful business practice.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ). XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX {$2800.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information in violation of Fair Credit Reporting Act Section 609-A one A. You are required by federal law to verify any and all accounts that you post on the credit report through physical verification of the original signed contract. Otherwise, anyone paying for your debt is most likely fraudulent. I demand to see verified proof. If you fail to comply, please remove this account from my report immediately. 

I'd like to know why you're reporting this account to my credit report. This account has been closed. Remove this account right away because of inaccurate reporting. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received word on XXXX/XXXX/XXXX, via a news outlet, that a security breach had occur within Equifax between XXXX and XXXX where my personal information may have been compromised. I went onto Equifax 's website and found, from them directly, that my information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX  ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report
Product: Debt collection

I went to refinance my mortgage and had everything ready to go and then the bank calls and says they cant approve my loan due to a recent unsatisfactory judgement from wakefield and associates. I had taken out a XXXX loan in XX/XX/XXXX and that judgement didnt show up on my credit plus I have taken out another XXXX in personal loans in XXXX and XX/XX/XXXX and again nothing about this on my credit report. So I contact wakefield and i will attach the email that says the whole story.
Product: Debt collection

Sent them this I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

and asked for I have previously requested validation of this debt under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX... 

The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Credit card or prepaid card

My ex girlfriend used my information and signed up for unemployment and received my prepaid card with money that was put on it on XX/XX/2023. Please cancel that card
Product: Credit reporting or other personal consumer reports

This is my multiple 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit bureau failed to comply with blocking fraudulent items per my police report as I requested within 5 business days. I have been disputing these same items for over 2 years and they still will not remove them off of my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card or prepaid card

They claim to be Synchrony Bank representing P.C. Richard and Son company. Only the email address is correct ; my name is not XXXX, I do not have a credit card ending the numbers shown, and have not done business with P.C. Richard and Son company. 

Hi XXXX, A total minimum amount of {$370.00} is due on XX/XX/2021 for your P C RICHARD & SON/SYNCHRONY BANK account ending in XXXX. Pay online or give us a call to avoid additional late fees, we want to help. 

Convenient ways to pay : Log in to your account Pay as Guest and skip login to make a quick secure payment Call us and speak to a member of our team If you can not make a payment today please call us. We may be able to assist you. 

Enroll in Autopay to help you avoid late fees and keep your account up to date.

Log in and select Manage Autopay from the Payments Menu to enroll.
Product: Credit card or prepaid card

first payment attempt : XX/XX/2022 second payment attempt : XX/XX/2022 I made the first attempt paying my bill with the checking account ending in XXXX. I received an email stating that my payment had been returned. Reviewed payment history on the website and saw the first attempt payment was not pulled from my checking account ending in XXXX, however, from an old account that is closed ending in XXXX. I removed that old account using the the Synchrony app, so I am unclear how the payment went to be processed using that account instead of XXXX. I called customer service, and representative advised me that there were no record of me removing old account ending in XXXX, and that I should review the website instead of app to verify my banking information. I have done that as of now, and the account is reflecting XXXX banks which is correct and I do not see the account ending in XXXX. So again, I am unclear on how the payment was processed using that account. I want this issue noted on my account. This is a big red flag, and if it happens again, my account is in danger and could be closed due to this. This is Synchrony banks errors, not mine. Please adjust my account profile if the old account ending in XXXX is reflecting, it should be removed ASAP.
Product: Credit card

I opened a credit card ( Wyndham Rewards XXXX XXXX XXXX ) account with Barclays in XXXX, XXXX. I joined the XXXXXXXX XXXX XXXXXXXX and entered XXXX XXXXXXXX XXXX XXXXXXXX. I remain on XXXX XXXX. And requested SCRA benefits, including a waiver of the annual fee this past XXXX. Despite my eligibility, the company denied my request, stating that I didn't meet their criteria since I entered XXXX XXXX before opening the account. I've tried to resolve this issue with the company, but they've maintained their position. The company 's stance seems to contradict the spirit of the SCRA and and the relevant regulations. As an XXXX XXXX servicemember, I should be eligible for SCRA benefits regardless of when I opened the account. The law is intended to provide relief during XXXX XXXX, not just for newly opened accounts. 

I'm seeking assistance to have the annual fee waived and my SCRA benefits applied retroactively.

I look forward to your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

I made a complaint against Robinhood earlier regarding the unethical business refusing to provide me with tax documents that I need in order to file tax returns with. Robinhood has locked me out of my account and in doing so refused me access to the documents that I need to file my taxes with. In doing so, I am not able to file taxes honestly with the IRS because Robinhood is maliciously withholding my important tax information from me.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have yet to receive any response from XXXX XXXX XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did notify XXXX XXXX XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection without any contact information for the collection company or the original provider. I have contacted them over several months and it has not been corrected and I have not received a response.
Product: Mortgage

XXXX XXXXXXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXXXX/XX/XXXXThis complaint is about a barrier of communication with Wells Fargo Home Mortgage XXXX Since XXXX XXXXXX/XX/XXXX I have been calling XXXX XXXX, Executive customer XXXX XXXX XXXX with Wells Fargo Home Mortgage, and I could not find her. I left several messages and nobody called me to give me the status of my mortgage even my appeal or the status of my modification. I even called XXXX, an associate who is familiar with the case and she never responded to my calls. In a letter dated on XXXX XXXX, XXXX XXXX mentioned that the house was inactive foreclosure and there was no sale date. According to GA court record, the house is scheduled to be sold on XXXX XXXX, XX/XX/XXXX. 

I have submitted the requested paperwork which was the IRS Tax XX/XX/XXXX with schedule E showing the house was not rented for the year XX/XX/XXXX. This is the key item for the bank to approve the modification ... In addition, a termite bound and my driver license were enclosed for her review. I am still waiting for a decision to move forward and nobody care to call or to answer my question. I believe that it is a deliberate practice for denying my modification. Furthermore, Wells Fargo had received Tax Payers moneys to allow all american to receive a modification. The playing field has not been level since the bank made it so difficult to receive a modification. The people in my community complained about the banks practices to deny minorities modification to keep their houses. I am not alone in my neighborhood. This is not my XXXX complaint about Wells Fargo practices for ignoring my calls. It is with intent.