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

I received a debit card from Citibank on XX/XX/2022. I called Citibank to report that I did not request a debit card and do not have an account with them. After being transferred three times, no one could seem to help me. I reported to the XXXX XXXX XXXX, and put a fraud alert on my credit report. I could see that they ran a credit check through XXXX. Today, XX/XX/2022, I received a book of checks. I called Citibank again. This time, I was connected to the fraud department. The gentleman on the phone refused to give me any information, but did state that they would open a fraud investigation. I still have no information about how or when this account was opened.
Product: Credit reporting or other personal consumer reports

Today, XXXX XXXX I called Equifax to cancel my account. It took two phone calls, tried two different numbers, I was on hold for XXXX minutes with the first call, and then it was dropped. I made a second phone call to a different number after having been hung up on with the first call. Once I finally spoke to a human he asked for all my personal data, which I gave him, but then became suspicious when he told me that I had to scan my drivers license. As of right now I do not know whether or not Ive been scammed or if Ive canceled my account. Also, the reason I signed on with Equifax was to obtain my credit report. In trying to do so, the only way that I could obtain the credit report from Equifax was to open an account. I am not just angry, but also very scared.
Product: Debt collection

This debt is old deby and is occurring on my credit reports. It is having a negative impact and i would like it removed. I do not know the dates or what the debt is for
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, XXXX and Transunion already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
Product: Credit reporting or other personal consumer reports

Please ensure the immediate blockage and removal of these erroneous accounts from my credit report. Swift action is necessary to mitigate the negative impact on my credit profile.
Product: Debt collection

I was contacted by a debt collector ( XXXX XXXX XXXX ) for a debt with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX acknowledged receipt of my dispute regarding an automatic renewal that is sent to me by email rather than by postal mail. The dispute was investigated and determined on XX/XX/XXXX. The Result was that I owed {$280.00}. and not the amount of further charges adding up to {$630.00} I sent that amount to XXXX XXXX and I have the cancelled check dated XX/XX/XXXX and deposited by XXXX XXXX on XX/XX/XXXX. I am now receiving a debt collection from a different debt collector ( Client services ) for the same disputed charge claiming I owe the difference ( {$340.00} ). 
Also when I checked my credit score, the past due payments are still on record. My original dispute was sent to Credit Bureau Dispute Verification and XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Checking or savings account

My checking acct is in a negative balance due to over draft fees, returned items fees and sustained fees since XXXX XXXX. Citizens bank is not happy with me for the fact that during covid they were charging their customers fees when they were not supposed to. They did give me back overdraft fees after they went against their policies. I returned to work last week after being out from covid then recently being diagnosed with XXXX XXXX and was going through treatment. I am asking that citizens bank please refunds me my fees as I can not afford to pay them XXXX $ back. And there is a pattern with them they charge a returned item fee, over draft fee same day for multiple payments. I feel I am being discriminated against due to me having fees returned when they were not allowed to take fees from their customers. 

Thank you, XXXX XXXX
Product: Debt collection

I received a settlement letter fro m ProCollect Incor porated stating they are offering me a settlement of 50 % off the total amount that I owe on the account they have from the creditor they are representing, Landings at  XXXX   XXXX   XXXX   XXXX  . Additionally, the letter stated that if the settlement amount, which is {$60.00}, is paid by  XXXX   XXXX ,   XXXX  , they would delete from my credit reports. The letter also states that the payment can be made via online at  XXXX . I made my payment online on  XXXX   XXXX ,   XXXX  , and received a confirmation email that the payment has processed. However, I received a telephone call on  XXXX / XXXX /  XXXX   from a representative  from ProCollect stating th at the payment did not process because settlement payments can not and are not to be made online which is totally different what it is indicated in the letter. I was also informed that they could not take my settlement payment unless I paid for another account that I have with them. This stipulation is not indicated in the letter either. Therefore, the payment I submitted was not processed and the settlement offer indicated in the letter was rescinded even though I complied with the terms set forth in the letter. Additionally, I was informed that even though they sent me a letter for a settlement offer on the other account, which I did not receive, because I did not receive the letter I could not have the settlement and would have to pay the full amount of the second account.     They are committing fraud and deceptive collection practices. The money was and is readily available for the account which I pay on  XXXX   XXXX ,   XXXX   and the terms set forth in the settlement and deletion from credit report letter should be honored. The account which I paid was  XXXX . I have supporting documentation.
Product: Debt collection

A Bill I was not aware Of was Fraudulently put under my Name As I Have never had a Light service under my Name at my residence. & Im Being forced To deal with It. I Just Recently moved into my apartment at I didnt live at the address around the time of they say the debt was ran up. I Moved into my Apartment XX/XX/year> & I Have roommates the utilities are under their name. I can provide proof of my lease
Product: Credit card

Consumer serviceMy problem is that this Synchrony Bank XXXX XXXX did not apply my payment to the higher interest account instead it was a applied to thelower interest account ( Balance before payment {$1500.00} after the payment {$590.00} ) The higher interest account did not go down remains the same {$4700.00} I have continued making the payments on this account never having any late payment. 
I had talked to the customer service dept before I made the payment they she assured me that the payment would beapplied to the higher interest account since I had already paid the payment due on the lower interest account. Needless to say they applied thefull {$1000.00} to the lower interest account. I have called them regarding this issue they explained that they had applied the payment to thehigher interest account which they did not. I sent a letter showing them prove they did not do what was promised. Hope you can helpwith this dishonest practice they want to charge the customers the higher interest of 23.99 % on the account. The lower interest of 4.99 % wasa promotion they offered for the life of the loan. 
Thank you for your time, XXXX XXXXXXXXXXXX XXXX, FL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The involved debit collector has purchased this debit from a creditor. 
The debt collector obtained my information and private information illegally without my consent or authorization. Nor is the debt owed to this party or do i have a contractual obligation to this collector. The amounts asking to be collected are as follows. {$1500.00} & {$1600.00}. I sent certified copies on XX/XX/2025 & XX/XX/2025. 
Account # assosiated with this claim are as followed.XXXX XXXX 
This invalidated attempt to collect is a violation under 15. U.S.C. Code 1692 ( b ), 15.U.S.C. Code 1692 ( c ), 15.U.S.C. Code 805 ( c )
Product: Debt collection

contacted the original creditor and collections agency in regards to the information being reported and was told that they could not disclosed any information due to a violation of HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a derogatory on my Equifax credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX letter and Equifax credit file. I was turned down for a loan because of Equifax 's erroneous reporting of the XXXX derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with Equifax fixing a split file. It would seem that my file is split, as I have removed the security freeze from my report, yet when creditors pull my report, it comes up empty or states there is a freeze and can not be pulled. They claim I have no freeze on my record. I have faxed them the correct documents at my cost 3 times now, and they claim they lost or can not read them. No one on the phone has any idea what to do or make claims that nothing is wrong. Something is definitely wrong with my report. I have called over 10 times now to resolve this issue and it is not getting resolved.
Product: Vehicle loan or lease

Now that Wells Fargo Auto has been caught by the federal government agency, that Wells Fargo was cheating many people with fraud I the auto loan department. Maybe someone will try to do something on my situation. When Wells Fargo Auto took o er my bank loan I had with Wachovia Bank, Wachovia Bank was laundering money from XXXXXXXX Wachovia Bank was taking all my payments but Wachovia Bank was not applying my payments to my loan. Wells Fargo Auto took over Wachovia Bank the business. My loan was paid off but Wachovia 's books showed that my loan was not paid. Wells Fargo sued me and took my new truck that I had paid off. I had paid the loan off but Wells Fargo made up some books that would show that I owed about XXXX dollars. The federal government has found out about Wells Fargo has done this to many people. How much proof does anybody need to see Wells Fargo Stole my truck and nobody makes Wells Fargo pay me back!!!!!
Product: Money transfer, virtual currency, or money service

XXXX XXXX used Zelle to send me {$240.00} on XX/XX/22. And I received a receipt from Zelle via email confirming the transfer. 

I have never received the {$240.00}, and XXXX has stated that I am correctly signed up for Zelle, with the proper email address. XXXX had record of the Zelle {$240.00} deposit.

Zelle customer service has been Zero help, and have referred me to XXXX, and XXXX has no record of Zelle transferring the funds.

The money is simply lost. And again, Zelles foreign telephone answering service employs have provided no help other than wait longer, now 28 days. I would like my {$240.00}, and accountability from Zelle.
Product: Mortgage

My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is  XXXX  reflected we had a property foreclosure in  XXXX   XXXX ,  2015 , property located  XXXX   XXXX   XXXX   XXXX  Tennessee. This property was included in our Chapter  XXXX  Bankruptcy. Under the  Federal  Bankruptcy laws all  debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure  XXXX  system .   We want this information removed from any reports and the bankruptcy laws enforced.
Product: Vehicle loan or lease

XXXX was advertised on XXXX XXXX based on my credit scores as a place to apply for an auto loan. My XXXX XXXX is well above good. I filled out the various pages on XXXX 's page to apply for a pre-approval. In a matter of seconds, they responded with a rejection and placed a link to XXXX for this loan. It is my view XXXX is a phishing link for XXXX, they had NO intention to approve a loan based on the instant rejection. I have not been rejected by other lenders, rather I get offers each day for auto loans. Their web-site has no phone number to call either, no one to speak to. It is not a credible loan servicing company in my view based on my experience with other lenders.
Product: Credit reporting or other personal consumer reports

I mailed out letters on XX/XX/XXXX to XXXX, XXXX, and Equifax However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from XXXX and Equifax no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights.

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance wi
th paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXXXXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, there is supposed to be a notice of dispute on the consumer report and as you can see, there is nothing! For that reason this account needs to be deleted immediately and remedy must be awarded. Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX XXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.
Product: Money transfer, virtual currency, or money service

PayPal continuously refuses to delete My account despite identity fraud, and unauthorized transactions. Calls and emails to them go unanswered.
Product: Money transfer, virtual currency, or money service

This is the second time this has happened to me. I place a limit order buy/sell then the order gets stuck in pending for hours or days. First time took a week to settle and lost alot of money because of it. This time I am on hour 5 ... we will see how long it last. This all took place on the XXXX exchange on XXXX/XXXX/XXXX. The last time happened on XXXX/XXXX/XXXX. When I tried to get help through their process the first time i got no response at all. Even after the settle. I actually did n't get an email from them until about 8 days ago and the response was that they say no problem so no action was taken.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX XXXXXXXX XXXX called me to pay XXXX XXXX  and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. XXXX XXXX have charged off this account since XXXX reporting every month
Product: Checking or savings account

I tried to make an international wire transfer online XX/XX/year>, I got my credential verified then the transaction is rejected and my online account was closed. I called their security agent, they got my triple verified and told me, it is ok to make the transfer after 30 minutes. I did another one 4 hours later and again the transfer is rejected and my account was feezed. I called them again and they remove the freeze of my account and asked me to go to a branch to make the wire transfer, I went to their branch and go the transfer done without any problem. The thing is the fee for online transfer is {$40.00} and at bank they charged me {$50.00}. They did this got no merit to verify my identity. They did it only for charge me {$10.00} more fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX  the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO XXXX TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled Lexington Law credit repair service in the first 2 or three weeks after sign up and I emailed through there system thats what it said on how to cancel but I canceled way before the billing deadline that they told me and canceled and I signed up for a promotion price and after I canceled the next month they changed my card for the XXXX some dollars for things they did not do and now they change me for stuff when they said it just one payment a month not different changed but they have FalseAdvertising in line to get people in
Product: Debt collection

On XX/XX/2021 I received a call from a person ( family member ) I know telling me to call MCM Midland Credit Management. credit and she stated that I owe them {$890.00} on an XXXX credit card. she left 2 telephone number to call back. I contacted Midland a man answer and told me that he didn't call but the lady was not available/ her line was busy. She called back I told her she violated Federal laws, by calling a family memeber and dicussing possible information pertaining to me. She got angry and loud with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX  Inquiry from XX/XX/2021 Bank XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Bank XXXX  XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX  Inquiry from XX/XX/2021 Finance XXXX/XXXX  Inquiry from XX/XX/2021 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX