23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I apparently have an Experian account. The account number is XXXX. I am unable to give my last address for the experian account to close the account as I have changed addresses frequently. I cant recover my password without knowing which address. I do not want this service, I dont even remember ordering it. Please have experian close this account. I have been trying to close for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a middle name on my identification card no longer active do to identity theft I requested all credit removed unlawful activity an reporting deceased action lawsuits will be taken I need a copy of my full disclosure report from all credit report agency
Product: Credit card or prepaid card

On XX/XX/2022 I went to the Best Buy in XXXX XXXX, Pennsylvania to purchase a dishwasher for {$950.00} plus {$30.00} in fees. While making the purchase the sales associate asked me for detailed information, which I thought was being requested to pull up my existing account to make the purchase. A few weeks later I received in the mail a new Best Buy credit card dated XX/XX/2022. I called the Citibank Card Services department to notify them that an unauthorized new Best Buy account had been opened in my name. I also requested that they immediately close that account and apply the charge for the dishwasher to my existing account. That was in XXXX. Since then my wife and I have spoken to Citibank Card Services department employees multiple times to request the closure of the fraudulent account and application of the amount due to our existing account. We have continued to receive harassing calls saying that the unauthorized fraudulent account is overdue, when our legal existing account maintained a credit amount monthly that exceeded the amount being stated that was overdue monthly for the newer illegal account. In XXXX one of the Citibank agents committed to following up and closing the newer fraudulent account and fully transferring the balance due on it to our older existing legal account. More recent statements following that conversation indicate rather than the closure of the new fraudulent account, the full amount of the credit we had on the older legal account of {$420.00} was applied to the new fraudulent account, leaving a remaining balance due of {$340.00} and a past due amount of {$30.00}. The older legal account 's statement for the same period did reflect the transfer of the {$420.00} plus a {$75.00} payment received during the period bringing that account to a {$75.00} credit. In the last week of XXXX we have received multiple call from Citibank asking us to bring that illegal fraudulent account up to date, while we have a current credit of {$75.00} on the older legal account. All of our many attempts to clear up this matter have failed to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.
Product: Vehicle loan or lease

In XXXX, I had my lease bought out by a third party dealer. Ally has received the payment for the buyout. I noticed in XXXX that my account online was showing past due on the website. I called Ally XXXX and after an hour of reps not being able to figure out why, I spoke to a supervisor, XXXX, who told me NO ACTION is needed on my part and Ally and the Dealer are finishing paperwork and I should not make payments.. However, now they are reporting that my account is PAST DUE on my credit report, significantly dropping my score. I spoke to another supervisor today XX/XX/26 who told me this is correct but there is nothing they can do to report the correct information on their side.
Product: Checking or savings account

On XX/XX/2022 my account was hacked I've sent in a dispute to the bank and they will not refund my money when clearly my money was taken out from numerous places and locations that I've never been including XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This unverified account of sources receivable account number XXXX is reporting inaccurately. On XXXX  is reporting account status as open, on my Equifax it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on XXXX  and Equifax there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified
Product: Money transfer, virtual currency, or money service

I deposit XXXX dollars and XXXX dollars back in XXXX into my Paypal account the transactions said denied the check went back but my finance company said thay paid them XXXX XXXX and XXXX XXXX XXXX XXXX XXXX NC after the check came back my funds was never available I have prepaid debit account and regular account with palpay it don't show in neither one after I my the online deposit I got a email from them saying I order a XXXX XXXX XXXXXXXX for {$300.00} and it was ship to Ohio I think I been scam my name is XXXX XXXX XXXX and number is XXXX live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a financial issue that occurred in 2020 involving Cash App. My name is XXXX XXXX, and I am a customer of Cash App. My Social Security number is XXXX ( please use this number for identification purposes ). 

In 2020, I used Cash App to conduct transactions involving cryptocurrency, but I believe that money was improperly taken from my account. Despite my attempts to resolve the matter directly with Cash App, I have not received satisfactory assistance, and I believe the funds were taken without my consent or proper explanation. 

The amount in question involves cryptocurrency that was either stolen or mishandled through the Cash App platform. To the best of my knowledge, I did not authorize the transactions or the loss of my funds, and I have not received any refund or meaningful resolution from Cash App 's customer support. 

I have attempted to contact Cash App multiple times regarding this issue, but I have not been provided with a satisfactory response or resolution. I am therefore requesting the CFPB 's assistance in investigating this matter and ensuring that my funds are returned, or that Cash App is held accountable for their actions. 

I would appreciate your prompt attention to this issue and any assistance you can provide in resolving the matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

At the end of XX/XX/2018, XXXX-XXXX  XXXX XXXX sent an item without authorization. That, in addition to the automated mailing had been cancelled over 6 months ago. My wife contacted XXXX and we returned the item and credit was returned. However, XXXX XXXX XXXX credit card applied a late fee after the item was returned and XXXX XXXX applied a charge also. My wife attempted to contact XXXX but they refused to talk to her, they refused to even acknowledge what was being said. 

This is the 2nd time this credit card company has applied a late fee when there has been no balance ( due to mistake and item returned ) and/or after the due date where payment had already been made.
Product: Money transfer, virtual currency, or money service

I requested that Remitly send {$25.00} to XXXX XXXX In XXXX 6 days agoXX/XX/XXXX. Money is not available and no one is able to help. They just say wait and see.Numerous chats have produced nothing. 
My name is XXXX XXXX. They claim its not their fault.
Product: Credit reporting or other personal consumer reports

Nothing, I've disputed like I'm still disputing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX This account was closed and charged off my account with a positive balance of {$320.00}. I did not close this account with a positive balance, so why does it keep revolving and updating on my credit report monthly? It makes no sense and I want it DELETED from my 3 reporting agencies. Why is this so difficult and why do the consumer reporting bureau allow these debt collectors to do this.IM REALLY TORED OF BACK AND FORTH and now it's getting ready to hit the news about how hard working people have to struggle in Georgia.
Product: Credit reporting or other personal consumer reports

dear Experian this is a self-attestation that I am victim of XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This company will not respond to email inquiries. I have attempted to reach them via phone and they will not answer, seemingly because they do not have agents working. 
This credit product is app based. I reached out to them due to my bank account automatically being disconnected via the app, thus causing payment issues. I was unable to access the app to reconnect my account, leading to payments being late and reported to my credit. This was out of my control and I was never contacted regarding the situation. 
I was finally able to access my account via the app. I paid the balance off in full, and withdrew the security deposit. I requested the account be closed. It still is not closed and again they will not respond to my inquiries. There is now a balance of XXXX cents that I am unsure where it came from. My credit has been messed with tremendously due to this companys inability to function properly. I respectfully request this account be closed and my credit report be updated to reflect all on time payments.
Product: Debt or credit management

I enrolled in a debt consolidation program with Meadowbrook Legal Group in order to handle my debt situation. I have been enrolled since XX/XX/2023 with approximately {$26000.00} in credit card debt. They have been withdrawing {$490.00} a month for a total of {$2900.00}, but when I looked to see how much was in my holding account there is only {$920.00}. Every time a deposit is made they take {$50.00} for a retainer fee, {$34.00} for an Admin Fee and XXXX for a service fee, on my bi-monthly payment of {$240.00}, which leaves me with only {$50.00} per deposit. This is absurd. How will my debts ever be paid. This is a shady business practice and these fee 's were not disclosed. I have also come to find out that they are being sued by the CFPB and a number of states attorney generals. my credit has been destroyed and has caused a major setback in my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try getting a copy of my credit report sent to me by mail from equifax and they wouldnt send me a copy of my credit report at all
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Charge-Off and Request for 1099-C Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report regarding the account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX account number XXXX XXXX I do not believe this charge-off is accurate, and I am requesting that you investigate this matter. 

As part of my dispute, I would also like to request a XXXX099-C ( Cancellation of Debt ) form for the charged-off amount. If this debt was canceled or forgiven, I understand that I may be required to report the forgiven amount as taxable income. Therefore, I request that they provide me with the necessary documentation, including the 1099-C, to reflect the cancellation and assist me with my tax reporting.

Please investigate this charge-off and confirm whether the debt was indeed canceled. If it was, I kindly request that the appropriate 1099-C form be sent to me as soon as possible and it be removed from my credit report. 

I look forward to your prompt response and resolution of this matter. Should you require additional information or documentation, please let me know. I appreciate your attention to this issue and look forward to your timely reply. 

Sincerely, XXXX XXXX
Product: Mortgage

I received a notification from XXXX XXXX XXXX on XX/XX/XXXX that our loan had been transferred for servicing to " Mr. Cooper on behalf of XXXX XXXX  '' with a link to set up a new account with Mr. Cooper. I have tried to set up the new account using the link every day since XX/XX/XXXX, but every time I get an error message that says " We're Having Trouble Finding Your Loan. ". I called Mr. Cooper today to try to verify that the loan had been transferred to Mr. Cooper. I spoke with two representatives, and I was told that they had no record of our loan in their system. It's been 10 days, and I am left in limbo, unsure who is handling our loan, no accurate communication from either servicer, and no way to pay our mortgage.
Product: Vehicle loan or lease

Wells Fargo is not answering the questions I am asking. 
Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX andXX/XX/XXXX That is on ( attachment XXXX ) from the so-called loan application. under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?
Product: Checking or savings account

Today is payday, which is the XXXX and XXXX of every month. I have direct deposit. I picked up my pay check that shows direct deposit but the bank doesn't have it. They don't know what happened. I got hung up on by the representatives 3 times.
Product: Student loan

Last Wednesday the XXXX of XXXX, I submitted a request for a refund on my student loans so that the balance can be reinstated before the XXXX administration begins the rollout process of forgiving loans. I was told the refund may take up to 150 days. However, I'm more concerned about the loans original balance being reinstated. I didn't receive any sort of email confirmation or anything.
Product: Debt collection

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX Account number : XXXX Please remove account. 
XXXX XXXX : XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 
Original Creditor : XXXX Account Number : XXXX Please Remove account. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Money transfer, virtual currency, or money service

I need PNC to link to my XXXX XXXX XXXX Grant application and it is not working. They suggested I contact this agency to advocate that PNC link my account so I am eligible for grant money.
Product: Vehicle loan or lease

My truck was repossessed end of last year. They refused to return the truck until I paid {$3800.00} supposedly fees incurred by them to repossess. My belongs were stolen by them and truck damaged. 

They refused to release the truck until every penny of that amount was paid. Not a single dime of that went to my loan. Just a mysterious fee I incurred to have all of my belongings stolen and damage to the truck I needed to fix. 

Fast forward a few months and theres a mysterious {$570.00} charge on my account. I ask what its for and Im told that its a fee for repossession. Despite not getting the truck until every penny was paid, now theres more fees? 
Westlake claimed they took the fees off but all they did was Change the name of the fees. What about my fees? Paying to get the flat tire they caused when their tow truck smashed into the front tires and flattened one and damaged the rim? What about the compensation for the stolen items from my truck? They have a long history of criminal behavior including the beginning of my loan the salesman was allowed to doctor the loan documents after I signed them. There was a mysterious {$1300.00} fee added to the loan. I was refunded after weeks of complaining but the fact remains in the 72 hour delay between paper documents and digital documents there was an alteration that was fraudulent in nature.
Product: Mortgage

I received a letter from SPS ( Select Portfolio Servicing ) dated XX/XX/XXXX stated that my property taxes were delinquent. However, I had paid the tax bill that was due on XX/XX/XXXX on time. I sent proof of the paid tax bill provided by the XXXX XXXX County Tax Collector  which they received on XX/XX/XXXX. I also received confirmation that the file I uploaded had been uploaded successfully and thought the matter was resolved. Then I received a second letter stated the taxes were still delinquent and that a lien could be put on our home but to no fault of our own but rather to their dysfunctional service. In light of the difficulties we are facing as a nation it boggles my mind to think a organization whose purpose is to help people who unnecessarily create this hardship for me and my family. It makes me wonder how many other law abiding customers they manage have been treated the same way.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citibank XXXX account online by transferring funds ( $ XXXX ) from my XXXX XXXX XXXX account. I opened this account due to a promotional mailer received from Citibank, offering a higher rate and a {$400.00} bonus for $ XXXX in new funds payable within 90 days from account funding. 

On XX/XX/XXXX, I decided to transfer another $ XXXX between the same accounts ( from my XXXX XXXX Savings to my Citibank XXXX account opened XX/XX/XXXX ) ; when I went online to verify the transfer the next day, I saw that the $ XXXX was debited from my XXXX XXXX account, but my Citibank XXXX account no longer appeared on their Online Banking, it was missing completely ; so instead of seeing what should have been $ XXXX balance plus accrued interest, my account was nowhere to be seen. 

I called Citibank XX/XX/XXXX AM and, after being transferred several times, I was finally told that my Savings account was closed for fraudulent activity, that I would receive a letter explaining why in 10-14 days and that my funds would be mailed to me by check in 30-60 days! No reason was given when I asked repeatedly, and my request to speak to a supervisor was denied and never subsequently honored. 

I asked about the {$400.00} promotional bonus due to me by XX/XX/XXXX ( 90 days from account opening ), and the lost interest for the next XXXX days. I also asked why this transfer was deemed fraudulent when it mirrored identical the transfer made in funding the account back on XX/XX/XXXX ; no answers were given. 

I am partially retired and heavily dependent on these funds and interest earnings for my and my wife 's retirement, and Citibank did not even have the decency of confirming that they possess my missing $ XXXX transfer from XXXX XXXX. I have asked XXXX XXXX to investigate this matter, but in the meantime my Citibank XXXX account is not viewable or accessible to me due to alleged fraud, which I believe they have done to deny me the {$400.00} bonus and interest earnings, and the XX/XX/XXXX deposit entailed the exact same accounts as the XX/XX/XXXX initial account funding. 

Help me please! I am missing {$120000.00} that Citibank will not even confirm that it has, insisting that I wait XXXX to receive my funds my mailed check when I did nothing wrong whatsoever. Thank you .....