23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In addition to a complaint already filed, # XXXX ... .we have noticed and retain proof of paying {$300.00} before the 30 day mark. The company has not accepted the payment and by XX/XX/2018 the payment has not been ACH debit from our account as it has for the last 16 months. We are paying the loan off with Prestige Financial and will record and track each step of this transaction. We would like them to respond as soon as possible with payoff instructions.
Product: Credit card or prepaid card

Citibank/Citicards. 

Fraudulent charge to my card on XX/XX/2018 for single transaction of {$24000.00} in another state. No fraud notices or warning from Citibank. 

I discovered and reported the fraud to Citibank on XX/XX/2018. Citibank reported the fraudulent charge to the credit bureau 's, which  made my credit-to-debt ratio appear to be 31 %, which lowered my credit score 112 to 123 points depending on the credit agency, which had undermined my ability to get competitive rates for home loans. I have since cured the credit error with the credit bureau 's ( at least XXXX and XXXX  ). 

Citibank fraud investigation contacted me and confirmed the fraudulent charge would be removed from my account. Citibank also issued me a notice acknowledging they asked the credit agencies to delete the account from my report due to the fraud. 

The Citibank account is set to auto-pay the full balance from my personal checking account on its dues date. Citibank never reversed the fraudulent charge as promised, and the full {$24000.00} was debited from bank account on XX/XX/2018. 

I spoke with Citibank customer service that same day on XX/XX/2018. I spoke with XXXX and her supervisor XXXX. It took 54 minutes, but XXXX finally said she processed the refund, that she would do everything in her power to get it credited back to my account that same day, but it may take 3 to 5 days, and that she would follow-up with me that afternoon to confirm the status of the refund. I was never contacted by anyone from Citibank and none of the {$24000.00} has been returned to me. 

I called Citibank customer service again on XX/XX/2018 and spoke with XXXX. XXXX informed me that the refund had been rejected, and that she had to re-initiate the refund ( which she would not have done except for me contacting Citibank again ). Even then, she said that they would not refund the full amount due to a few hundred dollars in additional charges since then, the balance for which was not due and payable yet. I requested the full {$24000.00} be refunded to me, but she said she was not authorized to do so and would process the lesser amount ( approximately {$24000.00} ). She also stated that it had to be approved by management and would take 3 to 5 days. I asked to speak with management to get it approved today and she refused to transfer me.
Product: Credit card or prepaid card

Visa ( Citibank ) /XXXX debited the amount of a sale of my small business that was a fraudulent attempt to claw back funds they had no right to claw back through a Chargeback process. 

My customer accidentally reported the transaction as fraud, and two days later realized their mistake and contacted Visa ( Citibank ) to tell them of the mistake and that the charge was valid. 

Regardless of this good-faith effort by my customer, Visa ( Citibank ) /XXXX debited my account for the amount of the transaction, sent me a notice demanding a significant amount of documentation to make a claim to get my money back. 

Visa ( Citibank ) /XXXX was told by my customer to pay the charge - that the initial report was a mistake - yet they clawed it back. The removed that money from my account. That is fraud. 

Visa ( Citibank ) /XXXX had plenty of time to stop this process after the customer notified them that they should pay the amount - and chose not to do so. This is an unfair business practice. 

This is XXXX Case Number XXXX - Transaction Date XX/XX/2019
Product: Debt collection

This company has place 6 collections on my credit report and I have no knowledge of this company or original creditor. I mailed a certified letter to this company on XX/XX/2021 requesting debt validation with no response. I sent a reminder to respond on XX/XX/2021, and still no response from this company. I am requesting the 6 accounts to be removed from my credit reports immediately. This company has intentionally not responded to my request,
Product: Credit card or prepaid card

I received a XXXXXXXX XXXX XXXX in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They gave me Case # XXXX for the investigation and told me I would hear back in ten days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and was maxed out with a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case ( Case # XXXX ) and that I would receive a call from her supervisor in 48 hours, but I never received a call. On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a telephone number, even though I was given one from a representative that was used on the application and the application shows a different email address than was given to me by the representative as well. The letter from Wells Fargo said that this was for XXXX # XXXX, which is a case number I never received. The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I have disputed the charges, frozen my credit, and placed fraud alerts with all three credit bureaus. A police identity theft report was made on XX/XX/XXXX. I sent a letter to Wells Fargo on XX/XX/XXXX restating the identity theft problems and included a copy of the police identity theft report, a copy of the credit report showing the fraudulent account, and a copy of CFPBs Notice to Furnishers of Information. I am waiting for Wells Fargo to abide by the law and do what is right.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hi I am submitting this XXXX XXXX without 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 Bum. 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 n 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 21 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 XX/XX/XXXX n cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the documents below are not suppose to be visible on my consumer report. I never gave permission for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is considered aggravated identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This is my official statement about the crime. The following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I am immediately and permanently deleting these inquiries from my credit report and file with Equifax Information Services LLC.
Product: Debt collection

I have no idea who or what type of collection this is for. It says the original creditor is " XXXX XXXX '' and a balance of {$2100.00} This is not mine. Please delete. Never received anything from the XXXX XXXX and it appears to be an error. Please delete.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it XXXXay concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Equifax to update or delete accounts that have errors on my credit report and Equifax confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Equifax and notice the changes have not occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from XXXX, Transunion or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX XXXX  XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, Transunion and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft TD/TARGET Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 


5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

I opened my account with Discover Bank about a month ago. On XX/XX/XXXX, I deposited a Check I got for about {$7000.00}. On XX/XX/XXXX, those funds were reflected in my available balance. I Made a purchase at XXXX for {$80.00} and another one with XXXX XXXX XXXX for {$25.00}. In the evening of XXXX, I got an email from Discover Bank that there might have been a fraud at my bank so I should call them. Once I called them, they asked me to provide my identification, which I did. I uploaded my passport and Social Security Card to their secure upload, since I wasn't able to log in my online banking. 

Once they verified the information with me, they said the account had been closed. I said I hadn't closed the bank and I had made those two purchases. They refused to help me out and give me an answer. They said it was a business decision and didn't give me any information even after being on the phone with them for 2+ hours on the evening of XX/XX/XXXX. 

Now they said they will send me a check in 60 days, but I have no Money to buy groceries or essentials in this time of a Global Pandemic. I will go back to my country of origin- XXXX but they said they won't send the check there and just straight up refused to help me out.
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 ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # XXXX 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: Debt collection

The property manager XXXX XXXX has tried to collect on debt not owed. After being granted ONLY possession of the apartment she manufactured damages and court cost. I was represented by counsel and the court ordered possession ONLY. It was after my attorney request my security deposit ( {$1200.00} ) and an additional over payment ( {$200.00} ) the falsified damages and court fees. Their clients XXXX XXXX XXXX  was unsuccessful in court and was NOT awarded monies in the judgment ONLY possession of the apartment was granted 30 days after the ruling was give. I was out of the apartment during the court proceedings and have video of the undamaged apartment empty. This is a clear attempt to commit fraud by XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged damages and rent after I was no longer living in the property and there is NO COURT ORDER awarding 1. Attorneys fee, 2. Damages of anything related to the property 3. I was charged rent in XX/XX/2021 and XX/XX/2021 when I have a lease showing I was moved completely out by XX/XX/XXXX which was before we went before the judge in XXXX XXXX landlord tenant court. The court DID NOT order damages or any rent. The property hired a contractor to completely gut and updated ALL FIXED on the property and repair the brokers heat that was the reason I moved. The are trying to make me pay for 5 years worth of basic wear and tear on an apartment. When I moved in 5 years prior my apartment has old carpet and was vacant for over 6 months it was never painted or even had replaced carpet the entire 5 years I lived there and I paid rent 5 years straight never late. If they claimed I owe for anything we need to have a judge order that by fraudulently creating damages and charging rent and his is clearly fraud. We will be forwarding this to the court. And we request proof from the court where these alleged damages were proven and a judgment was granted in their favor.
Product: Mortgage

Our loan was transferred from XXXX XXXX XXXX, XXXX to SLS in XXXX 2015. Since then we have experienced XXXX major problems. The first involved a property tax impound account that we do n't have/never have had ( see complaint # XXXX ). The second involves continually being requested to obtain more insurance than we need on our structure ( complaint not yet filed. ) The third, and the subject of this complaint, involves our PMI account. Although we have paid PMI of $ XXXX/month since our initial payment in XXXX 2015, we recently received a bill for the account shortage. The bill appears to represent two month 's worth of impound account, for the XXXX and XXXX 2015 amounts. Note that we paid the amount for each month as represented by the statement from XXXX. I have attached a copy of the XXXX statement proving payment, as well as a copy of the bill for the " shortage '' from SLS.
Product: Payday loan, title loan, or personal loan

I scheduled a payment in full when applying for loan. The loan amount was {$390.00} and was a payday loan with an approved ach for the full amount on the due date as part of the application. When due date came they charged me a non-payment fee and continued to do so every 2 weeks a total of 3 times instead of taking the full amount. No reduction of principal or balance was made as a result of payment of the fees. I ended up having to pay the full amount of the loan plus {$270.00} in fees they debited from my account as a result. At no point in time was any notice provided that these {$90.00} fees were being assessed. 

I did several loans with this company previously and had no issues with the full payment being deducted at the due date as requested during the application process. This was a change in service and clearly meant to get far more than the agreed amount from me as the customer. 

To make matter worse when I called to figure out what was going on after noticing the full amount hadn't been deducted and that there were instead 3 {$90.00} charges on my account, I was faced with someone who informed me that all this was within the terms of the contract. Further the individual I spoke with would not answer a direct question asked over a dozen times " are you going to help me or not ''. Instead the representative kept repeating the supposed terms of the agreement, which I am unable to review. Even when asked multiple times just to give me a yes or no answer if they were going to help. 

I do not dispute that the terms allow for late fees. I DO dispute that I did not request payment in full be ach deducted from my account. I DO dispute that I should have been assessed any late fees. I DO dispute that no payment at all was applied to the balance due when changing the fees. Further, their website does not allow for review of loan documents once the loan is approved. So I have no way of verifying any claims from MyPayDayLoan. 

This customer service experience is one of the worst I've ever had. My Pay Day Loan has done nothing short of stolen {$270.00} from me.