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

On XXXX, Home Depot advertised a discount for opening one of their consumer credit cards based on total purchase price. The consumer card is issued by Citibank. To get that discount, they provided a code to use at checkout to obtain the discount, after you signed up for the credit card. I placed an online order for a toolkit which also came with a " free '' tool. During checkout, I entered the discount and the discount appeared, lowering the total by {$50.00} as expected. I checked out using the credit card I was just approved for. Immediately after submitting the purchase, the final receipt that was displayed had the discount removed and the full amount was charged to the credit card. I immediately called the phone number provided for the account center and was told, the discount will appear as a statement credit on the credit card. 

When the first statement did not include the credit, I contacted them via the credit card secure message system on XXXX. I received a boiler plate response which did not address my specific issue. I immediately responded that it did not address the issue. The next response said the credit may take up to 2 billing cycles, if it does show up after that, contact customer service. The next statement did not show the credit and I contacted them via the secure message system on XXXX. They responded my request has been received and forwarded for review and I should feel free to check back in a few days. 

On XXXX, I still had not heard back. I sent another message but instead of waiting for the response which was likely to blow off the matter again, I called. The representative contacted some other department and finally explained, the purchase had another discount which voided the offer. I explained, again, how the discount showed at checkout, then was removed when I submitted the order. I called, was told it will show up as a statement credit. Two months after the purchase, I am told the discount I was given for opening the credit is no good because the item I purchased had a free item included which appears as a discount on the order. In that case, the checkout system should not have accepted the discount code. When I called with my concern about the order, I should not have been told it would show up as a statement credit.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS STOP MY DISPUTES ON XXXX ACCOUNTS AND XXXX HARD INQUIRIES THE ACCOUNTS I WANTED TO BE DISPUTED AND BLOCKED KEEP IN MIND THESE ACCOUNTS WERE NEVER BLOCKED BY TRANSUNION BEFORE AND THE ACCOUNTS I WANTED TO DISPUTE AS FRAUD/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 TRANSUNION HAS BLOCK MY ABILTY TO DISPUTE ACCOUNTS ONLINE AND IM UNABLE TO DO SO
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a payment from XXXX XXXX XXXX in the amount of {$4300.00} via Paypal. I then took {$2000.00} of the amount previously mentioned and sent it to my wife via Paypal. After that transaction was completed, I tried transferring the remaining balance which is {$2300.00} to my personal account and was constantly denied. It then said I was going be advised " within 24-72 hours '' ( something along those lines ) of what next steps to take to complete the transfer. Once i checked the mobile app after about 48 hours to see if it was ready, it stated that my account was closed and they would be holding my remaining funds for 6 months in the event of any charge backs. I would have been more understanding if I had received charge backs in the past which to this day has never happened. The person who sent me the payment offered to do an affidavit saying they would not be requesting any charge backs since I had already provided the services they had payed for. I am a consumer who teaches online and depend upon platforms such as Paypal, XXXX, XXXX, Venmo and others to support myself and my family. My wife 's account was also closed receiving the {$2000.00} mentioned above. I always provide the services I offer on our personal platforms. The balance of {$2300.00} is still there on the Paypal balance but i can ' t access it, as a consumer I am very disappointed by this action Paypal has taken towards me without reason. I spoke to a rep of theirs and explained what was going on and was brushed off once I told her I would be filing a complaint with Consumer finance protection bureau and she stated I can do whatever I wanted and they would still hold the funds for up to 6 months.
Product: Debt collection

Diversified Consultants re cently started trying to collect a  XXXX  debt I do not owe and reporting to credit agencies. I had a  XXXX  account once in my life  fifteen  years ago in  XXXX  for four months while I lived in   XXXX   XXXX  ,  XXXX  for an internship in   XXXX   XXXX  . When I canceled my account, I returned all equipment to  XXXX . However, I received a bill for the cost of the equipment I returned. After literal hours and hours on the phone with customer service in  XXXX  of  XXXX , they located the returned equipment and marked the account as paid. I never received another bill.     In  XXXX , I noticed a different debt collector reporting a  XXXX  debt. I disputed the debt and it was removed from all  XXXX  credit reports. N ow, Diversified Consultants is  trying to collect this debt that I never owned and still reporting to credit bureaus despite my trying to dispute.     I do not owe this debt. Regardless, it is past statute of limitations to collect and is unreportable to credit agencies as any it would  be 15 years old. I do n ot have records due to the old age of the incorrect debt.
Product: Student loan

The loan agency reported to the consumer reporting agency without my consent. On XX/XX/23 saying amount owed is {$4000.00}.
Product: Credit reporting or other personal consumer reports

complaint. 
XXXX XXXX XXXX  I hereby request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary enforcement actions against Equifax for their violation of the FCRA. I seek the following remedies : Immediate removal of XXXX XXXXXXXX XXXX  from my credit report. 
Enforcement of FCRA regulations to ensure EQUiFAX compliance with consumer protection laws. 
Compensation for damages incurred as a result of EQUIFAX non-compliance with non-compliance FCRA regulations. 
I have attached copies of all relevant correspondence and documentation, including the letter sent to EQUIFAX and any responses received.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : Ally Financial ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXX, I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several inquires including XXXX XXXX XXXX XXXX XXXX the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated therefore the collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I reached out to Mohella in the middle of XXXX requesting information on loan consolidation. I am a Public Employee who would qualify for PSLF however I need to know how to complete loan consolidation to ensure I have one payment and one loan to work with. However when I reached out, I received a response about the number of payments I have made. It had nothing to do with any information I requested. I reached out again and never received another response. As of today, I've yet to receive any information from Mohella.
Product: Consumer Loan

I was receiving XXXX. My XXXX stopped temporarily due to issues with the company handling the XXXX. My attorney referred me to Oasis lending during these periods. I borrowed XXXX in the end I was required to pay XXXX
Product: Money transfer, virtual currency, or money service

I posted an item for sale through XXXX XXXX for {$500.00}. I soon received a direct message from XXXX XXXX ( email XXXX Registered as XXXX through ZelleXXXX ) ( User name XXXX XXXX ) asking if the item was still available. I responded yes. She then proceeded to ask if I had Zelle in which I responded yes. We then began to have the exchange via XXXX XXXX ( I have entire screenshot of messages ). I received an email from XXXX XXXX  ZelleXXXX  '' speaking about a business account and that I needed to send the overpayment of {$200.00} in order for the initial payment of {$750.00} to be released because I did not have a business account ( I have those emails as well ). In which I did. I then received an email asking for another {$500.00} to be sent to release the hold. XXXX then asked that I send the payment of {$300.00} to XXXX XXXX via Zelle using the email ( XXXX ) in which I only sent {$300.00} because Zelle stated that I had reached my limit for sending money. I was then advised by XXXX to send the remaining {$200.00} to XXXX ( XXXX ) via XXXX in which I did. The funds in the amount of {$1200.00} were never released to my XXXX account. XXXX then requested that I send an additional {$500.00} via XXXX XXXX in which I refused. I also requested a refund via XXXX for the {$200.00} to be refunded via XXXX and no response. I requested the funds be returned from XXXX XXXX XXXX ) and XXXX XXXX in which they have failed to do so.. I was also approached by XXXX in XXXX XXXX ( XXXX User XXXX ) with a similar request... I have screenshots of all interactions with both XXXX XXXX and XXXX .... I have complete emails and screenshots available as well.
Product: Mortgage

In XX/XX/2017 Oceanside changed it's processor. I sent a manual payment using their software for XX/XX/2017 and attempted to set the the ACH transaction for further payments. 
As far as I could determine, the payment was set up correctly. It appears that it was not for XX/XX/2017. 
Unfortunately, I was not able to monitor this failure to process a payment since my wife had undergone a second XXXX to XXXX  a XXXX  XXXX   XXXX  in the space of three weeks. Additionally, we were still dealing with the aftermath of a XXXX  XXXX of a XXXX  XXXX  earlier in the year, with wound XXXX complications. 
Also, I had XXXX with XXXX to respond to both Hurricanes Irma and Maria spending over 37 days in the field. With my wife recovering from surgeries and my being gone it was difficult to keep any control over what was going on. 
I realized that an issue occurred reviewing XX/XX/XXXX banking transactions. I had a conversation with Oceanside and set up a workout program to make things whole. 
Unfortunately, not trusting the software that Oceanside had set up, I sent manual payments through my bank. It appears that these payments got lost at Oceanside and did not post appropriately. 
Thus Oceanside is marking these as delinquent even though payments were made. Multiple attempts to contact them have not resulted in any resolution of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, California, XXXX XX/XX/year> XXXX Equifax XXXX XXXX : Dispute of Accounts ( per 1681o for Civil Liabilities of Negligent Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report XXXX XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX - {$710.00} XXXX XXXX  - {$1300.00} XXXX XXXX, XXXX - {$1000.00} In accordance with the Fair Credit Reporting Act ( FCRA ), section 1681o, these accounts are inaccurately reported and must be removed immediately due to negligence. While I am aware of current lawsuits against credit bureaus for similar issues, my goal is simply to ensure accurate reporting and resolve this matter promptly. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

This medical debt is not mine my purse was stokden with insurence cards id and everything in it it has been a used many times without permition
Product: Credit card or prepaid card

i opened a tjx rewards card which is handled through XXXX XXXX. on the date of purchase i was given a pass to make my purchase. unbeknownst to me when synchrony opened my account they created an original account with the number on my pass and then another account which they created for the card. why???? so without my knowledge i now have two accounts with this bank. when i went to make a payment for that solo purchase on the first account the charge was on the second account so i ended up with a credit on the first account and a {$26.00} overdraft fee ( for a {$25.00} balance ) on the second account. i filled out paperwork and had one transaction with this company. how did i end up with two accounts??? now synchrony is researching this and telling me it will take 30 days until they can process this and close both the accounts. sounds like a long time to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX
Product: Student loan

I have dispute remarks only credit report that they refuse to remove. I have called the collection bureaus multiple times as well as Navient. I wrote a letter to Navient requesting the dispute remarks to be removed. They keep saying it is taken care of but they keep putting " consumer disputes after resolution '' back on my report. The keep telling me it takes 30 days but it has been over 3 months. I DO NOT want to dispute this account i need the disputes remarks removed immediately. I am trying to buy a house and can not get approved for a loan because of this problem.
Product: Mortgage

In XX/XX/XXXX, apparently the loan I previously had with XXXX was taken over by New Rez Shell Point Mortgage Need help. 

I have this loan since XXXX, and refinanced in XXXX. Previous mortgage payments were sent successfully to XXXX, XXXX, XXXX XXXX, XXXX, and now Shellpoint. 
The XXXX loan # XXXX The Shellpoint loan # XXXX Property : XXXX XXXX XXXX, XXXX NJ XXXX Even after the take over, the monthly payment of XXXX was regularly sent automatically from my account, but it was not accepted. Why? 

After a phone conversation with XXXX XXXX on XX/XX/XXXX, he said that 6-months payments are " missing '' and they don't accept monthly payments. 
On XX/XX/XXXX ShellPoint received a bank check for the whole amount of XXXX The check was not processed, and now they sent the house into foreclosure. 

It is outrageous why they don't want to process the payments sent.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly.
Product: Mortgage

On XXXX XXXX, XXXX our legal counsel, XXXX XXXX, sent a demand letter ( via Electronic and U.S. Mail ) to Citibank, N.A.outlining Citibank 's negligence in their handling of our HELOC and asking Citibank to take the necessary steps to rectify the negative and harmful consequences we have suffered ( loss of credit capacity, loss of credit expectancy, and loss of credit reputation, increased out of pocket expenses ). Citibank has yet to respond to the demand letter, as outlined by Federal law which requires a response within 30 days. 
On XXXX XXXX, XXXX we sent, via fax, an additional demand letter to Citibank which has yet to see a response.
Product: Debt collection

I received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru them and the time the apartment was still in my name and mine until XX/XX/2018 I called and talked to the manager of XXXX XXXX XXXX her name is XXXX she looked at her ledger while I was on the phone and confirmed I owed no debt to them I filed a dispute on line with national credit systems and checked back weekly only for her to keep saying call back next week repeatedly called XXXX XXXX XXXX left messages with the secretary XXXX and voicemails asking to be called back and i never received a call I been trying to get this straight since XXXX and now I'm at risk for losing my housing because of a debt that I never had notification of and all my mail was forwarded to my new address
Product: Checking or savings account

On XX/XX/2019 I sent a wire transfer from my Citibank XXXX account to my XXXX XXXX Account for {$800.00}, the same as I have done in the past. 

Citibank N.A. ( U.S. ) charged me a {$30.00} fee, even though I had already paid their subsidary in XXXX {$2.00} for the wire fee. I was informed by Citibank XXXX that I should not be charged any fees when the intermediary bank is CitiBank U.S. since I am a Citi Priority member in XXXX. 

I contacted XXXX and they advised me that CitiBank N.A. charged the {$30.00} fee. CitiBank XXXX apologized but since this is XXXX is unable to refund the {$30.00} fee and directed me to contact Citibank N.A..

I contacted Citibank N.A. on XX/XX/2019 at approximately XXXX and they stated that I need to contact Citibank XXXX. However, XXXX XXXX acknowledged that Citibank N.A. ( U.S. ) did charge the fee. 

I have a CitiBank U.S. Credit Card however, Citibank U.S. has refused to open me up a checking account which would allow me to use their CitiGlobal service to transfer funds between the two accounts. 

Wire Information : XXXX XXXX XXXX : CITIBANK N.AXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX TRN : XXXX
Product: Debt collection

Got a letter saying I owed {$740.00} for a medical service I do not remember receiving. They can not tell me what it was for other than " office visit ''. Birth date on file did not match mine nor did the insurance. I never received any bill prior to being sent to ARStrat collection agency. 

Called to resolve XX/XX/XXXX They refuse to do anything to sort out the errors in billing and sent us on a runaround where 5 different people could not help us identify what we were being billed for. 

The agency can not provide a phone number to call to get information on alleged service received. The number they provided to me for XXXX XXXX  was their California office who has no record of me. I have never received medical care in California nor was I there in in XXXX. 

XXXX XXXX transferred me 5 times including to the XXXX XXXX XXXX near my address at the time in XXXX XXXX and nobody can provide details on the account both using my birthdate and the birthdate they had on file with the collection agency. 

After a 6th phone call using the Creditor Account Number from the attached document XXXX XXXX confirmed that the person attached to this bill is not me and that ARstrat has made an error. 

I also have XXXXXXXX XXXX  with my family and text messages records with a car salesman that confirm I was working on XX/XX/XXXX and left work early to go car shopping for my daughters that I can provide if needed.