23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Citibank on XX/XX/year>, on or about XXXXXXXX XXXX XXXXXXXX. I called the credit card department. I called from my phone number ( XXXX ) XXXX. I spoke to a female agent who identified as XXXX. She said she was in XXXX XXXX. Employee ID # XXXX. She refused to transfer my call to a supervisor upon request. I respectfully refused to authenticate and want to escalate the call. She continued refuse and caused an undue delay. Then, she stopped talking. The hold music stopped, however, my call was was still connected and XXXX was not speaking. I kept saying hello agent are you there and hello?, however no response. This is known as call avoidance and is inappropriate. I seek to hold XXXX accountable. In addition, I never used profanity or made threats.
Product: Checking or savings account

XXXX XXXXXXXX and XXXX XXXX stated that it was their policy to ask for a in footprint State ID to open an account or proof of address including a lease, signed federal income tax or utility bill. A utility bill from XXXX XXXX cell phone bill, which the federal government considers a utility, was not accepted stating that " it was not a utility bill ''. This happened at both the Old National Bank location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX both locations at which both managers refused to open a bank account stating the above. Even when presented with a utility bill, multiple bills received via mail, Unexpired XXXX passport, valid XXXXXXXX XXXX  Drivers license, Social Security card, paystubs and XXXX ( with current Illinois address within their footprint ). Both XXXX XXXX and XXXX XXXX refused to open accounts which I fear was based on race and social economic status as they question how much I would be bringing to the bank, discriminated agaist me. This event occurred on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit Financial DBA GM Financial commit a fraud by reporting a debt that I did not sign with them. They Should stop reporting their name and account in my credit report I don't owe GM Financial anything. As a XXXX individual with long History of XXXX, and XXXX, not to mention my race, and age. I would like to ask GM Financial to stop using my credit for their own benefit. And stop violation of my privacy. I am XXXXXXXX XXXX father XXXX  and GM Financial can not take advantage of my country of origin to violate my civil rights and human rights. This harassment and persecution have to stop. My credit is taking an enormous toll.
Product: Debt collection

My credit report shows an account for {$780.00} in collections for over a year and a half with XXXX XXXX XXXX. I spoke with the legal department of XXXX on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to CS and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called XXXX  legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to CS and told they are the ones reporting in error to XXXX. The CS rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated CS transferred me to her stating it was legals problem. She put me on hold and transferred me back to CS. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) XXXX stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call XXXX  they transfer me to and from the legal department to CS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my father 's target credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

Target credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to XXXX.
Product: Money transfer, virtual currency, or money service

Unauthorised transaction charged to my Pay Pal account. 
No details as to what the transaction is for. 
It is impossible to speak to a Pay Pal XXXX get clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out a couple of months ago around XX/XX/2021 to Experian, XXXX, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXX Co was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information. 

Also 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 notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of 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 with 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. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, IL or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.
Product: Checking or savings account

Wells Fargo sent me a letter dated XX/XX/XXXX that after reviewing my former accounts, their records indicated that unbeknownst to me was enrolled in an identify theft protection- XXXX XXXX from XXXX. I had 60 days from the date of the letter to contact them, which I did on XX/XX/XXXX. The rep I spoke with said they will cut me restitution check iao {$1400.00} and will be issues in 20-30 days. I contacted them again on XX/XX/XXXX to check the status- they said it was still in processing. I then called a third time XX/XX/XXXX to see the status of the check- again still in processing and said it will be issued in 20-30 days. Same response I received the last two calls. 

Where is my check? Is this a scam? I know other people have received their checks but what is the hold up here. I was taken advantage of by Wells Fargo with having this unauthorized monthly fee on my account ( mind you I also worked for WF during this time so I feel like I was really taken advantage of by my employer ) and done everything on my end to resolve this issue. Come on Wells Fargo DO BETTER and set better expectations on this!!! 

I am also requesting more than the {$1400.00} due to not only this taking longer to get resolved but I was taken advantage as a client and employee. Plus it was on my account for almost 5 years. I would expect it to be more than a {$1400.00} restitution. Thank you.
Product: Money transfer, virtual currency, or money service

Report on Issue with U.S. Bank and XXXX XXXX I would like to formally report an issue that occurred with U.S. Bank regarding a XXXX transaction on XX/XX/XXXX. The problem arose because, when I attempted to make the transfer using the banks mobile app, it suggested a XXXX account under my friend 's name, along with her phone number. It seems likely that the app retrieved her contact information from my phone. 

After proceeding with the transfer, my friend later informed me that the money was sent to an account at a bank where she does not have any accounts. It appears that her phone number was associated with someone elses account. 

I promptly contacted U.S. Bank to report the issue, explaining that the app had presented a misleading XXXX account under my friend 's name, which ultimately led to the funds being sent to the wrong recipient. I requested a refund, and they informed me that they would contact XXXX regarding the matter. 

However, when I followed up on XX/XX/XXXX, I was informed that my dispute had been denied. This decision was made even though the name associated with the XXXX transaction and the bank name were clearly inconsistent. 

Whats most concerning is that I never manually registered my friend 's phone number for XXXX. Typically, for a XXXX account to be saved, a previous transaction would have been required, which was not the case here. The bank 's app suggested that specific recipient address on its own, ultimately leading me to make the transfer to the wrong account. This system error resulted in a significant financial loss for me, and I feel it is unjust for my claim to be denied under these circumstances. 

I request that U.S. Bank conducts a thorough investigation into this matter and reconsider their decision regarding the dispute.
Product: Student loan

I have been consistantly enrolled in a qualified university full time since XXXX. I took a XXXX withdraw halfway through the XXXX fall semester, however, I was still considered " enrolled '' full time for that semester. ( Please see attached enrollment form ). I called NelNet on XX/XX/XXXX. ( Please see attached screenshot of phone log ). I informed them, on a recorded call, that they had erroneously started to charge me payments because I am enrolled full-time, and my payments should be deferred. I asked them if they wanted me to send in the enrollment verification attached hereto, and the representative stated that it was " not necessary '' because they would have the information from the school and that the issue would be taken care of. They are still charging me payments, and are saying that XXXX payment is " passed due. '' ( Please see attached snippet of my account ). I have NEVER had a missed or late payment on my credit report. They have not fixed this, and are fraudulently stating that my payment is passed due. This will cause a ( fraudulent ) negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My XXXX XXXX XXXX was ruined in XXXX XXXX. The declared my car a total. My loan was through truist bank. I continued to make automatic payments through XXXX XXXX  even though the car was totaled. I was waiting on the insurance company to give them a check. XXXX was paid by XXXX XXXX {$32000.00}. I was waiting on my gap insurance to give them a check for XXXX to cover the rest. I ended up over paying XXXX {$910.00} which they had to write a check out to me. They still reported my account as delinquent and my credit score went down XXXX points. This is absolutely ridiculous. I went to XXXX in person and the branch manager wrote a letter Saying that this was an error on their part and we sent it to all XXXX credit bureaus. I am waiting for my credit report to get rid of the delinquent remarks of non payment from XXXX XXXX til now. This is so infuriating my credit score went from a XXXX to a XXXX from something that was no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the supervisor of Equifax, her name is XXXX, in regards to having multiple accounts removed. As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights. 

I have recently requested the accounts to be removed with them before. As shown in the attachment Equifax removed one of the accounts. I am demanding for the rest to be removed as well.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payments was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT #  XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you cantravel here in order to defend yourselves. 

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EGTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX account # XXXX That does not belong to me. It belong to a company that I worked for as an employee. I have disputed this account multiple times with the XXXX directly and they have not deleted the account from my report. It is also showing the account type as unknown. I need XXXX to delete it as they are reporting inaccurate information in my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute negative information that has been reported to consumer reporting agencies regarding my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681s-2 ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information. 

As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I request that you provide me with copies of all notices that were sent to me regarding the furnishing of negative information to consumer reporting agencies in accordance with the FCRA. Specifically, I am requesting documentation of notices sent prior to or within 30 days of reporting the following negative information : [ XXXX XXXX XX/XX/year> ] Please consider this letter as a formal dispute of the negative information reported and provide the requested documentation within the time frame mandated by law. If the required notices were not provided as stipulated by the FCRA, I request that the negative information be promptly removed from my credit reports with all consumer reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

On XX/XX/2018 XXXX XXXX charged me {$1100.00} for moving services. It covered moving with insurance to cover damage. Damage occurred and the company did not cover it. After contacting the company several times to resolve the issue. I contacted Chase to file a claim to return my funds due to XXXX performing part of the full service paid for. Chase incorrectly recorded I was not happy with the services instead of what happened and influenced Visa 's decision to not return my funds.
Product: Debt collection

Noticed this collection since last year and have been disputing it ever since. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me an invoice and itemized bill. This is not acceptable, FCRA states there must be a tangible contract provided to me upon my request, that bears my signature, showing that I am responsible for the account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw that incorrect accounts had appeared on my credit report this morning, and Im completely at a loss as to why. I checked my report as I normally do, but this time, there were discrepancies that came out of nowhere. I refreshed my browser, thinking it was just a mistake, but the wrong accounts remained. Because of this, Im requesting a detailed review of the documents Ive sent to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was obtained by companies I didn't authorize nor benefit from. There are multiple violations within pulling my credit report without my authorization including the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer or Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I would like the fraudulent inquiries removed off of my credit report immediately. I feel as if I am being taken advantage of and mistreated as a consumer.