23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went to see a local attorney to discuss and shared parenting revision to take my XXXX year old minor son to PA where I had obtained a good job. I met with the attorney once in XXXX 2015. He took some pertinent information. I met with him again at the end of XXXX 2015, still unsure if I wanted to go through with this, take my minor son, and move to PA. I had given his receptionist my credit card information if I wanted him to take the case. I signed a contract that stated he could do all the work ; file petitions, if the former husband gave me any problems, appointment of a 'guardian et litem ', etc. Toward the middle of the meeting I decided I did not want him to help me. He was late for the appointment, seemed XXXX and in XXXX with his records and his office. He also kept cursing. I asked him to tear up the contract and give me my {$2500.00} back. He billed my XXXX another {$2500.00} He said to send him a certified letter and he 'd give me my money back and would send a copy of the null and voided contract. He lied. He sent me an inflated bogus bill for services he DID NOT perform. He sent a bill for {$3500.00} with a refund check of {$1400.00}. I called XXXX and they originally took the {$5000.00} off. He fought back and sent his bogus bill, the contract with my signature and copy of signed slip for {$2500.00}. XXXX then gave him ALL of the money back. He has my refund of {$1400.00} also. I had another local attorney do the filing and revision for me for {$600.00}. When I called XXXX they closed their investigation and stated if I had sent the other attorney 's fee and what she did, they would have maybe given my money back. They did not tell me to do that and I sent all the information they had requested. It seems they did not take my story into account or these major issues with him. It is my XXXX, not his. 
XXXX took MY money and gave to this creep. I am a single mother and he must have found out I had a ZERO balance on my card with a {$5000.00} limit. I also took the money off as soon as I found out that he lied, billed my card another {$2500.00} and figured out he was scamming me. I just want my money back. There was no agreement that he would charge me {$5000.00} to talk with him for only 2 ( two ) hours. XXXX did not follow the consumer rules. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with Transunion, XXXX  & XXXX to provide proof I was late so I can see this information, XXXX  has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I immediately checked my Credit Report to see if the previously disputed accounts were already corrected, but to my disappointment, the Credit Bureaus have not yet corrected my Credit report. I previously sent a letter last XX/XX/2022, requesting that the Credit Bureaus investigate and correct the information being reported by some accounts on my Credit Report. I investigated my Credit Report and notice the following : a ) there are accounts being reported as late even though the accounts have never been updated and the balance is XXXX ; b ) the Accounts being reported as charge offs still indicates its balance, as far as I know, charge off accounts should no longer report balances on a credit report ; and c ) there accounts that are removed or not being reported on some of the Credit Reports and it makes me wonder why do some of the Credit Bureaus still indicate the removed accounts? I came to a conclusion that to correct my Credit report, the Credit Bureaus must remove the accounts reporting erroneous information on my Credit Report. Once again, I am requesting the Credit Bureaus to please remove the following erroneous accounts if the Credit Bureaus are not able to verify them for themselves : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00}
Product: Debt collection

I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID 2 DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Credit card or prepaid card

I have a credit card with Capitol One Bank. 

The bank called me regarding two suspicious charges dated XX/XX/XXXX for {$120.00} and XX/XX/XXXX {$120.00}. Total {$240.00}. They were made in XXXX XXXX, XXXX. I was in XXXX XXXX, XXXX about XXXX miles away. I confirmed to the agent they were fraudulent charges, but I did still have the XXXX  with me. On XX/XX/2021 the bank wrote a letter that I was NOT responsible for the the fraudulent charges. " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges ''. 

However, they continued to bill me. I sent a certified letter to confirm the charges were to be reversed as per their letter. No response. I called them ( again ) and was told that if I could prove that I was not in XXXX XXXX they would reverse the charges. I offered an XXXX ride receipt in XXXX XXXX. It didn't matter. That want proof that I was not in XXXX XXXX. They want me to prove a negative. 

The bank has since reported my account as past due severely ruining my XXXX score. The bank refuses to acknowledge the charges are are fraudulent and must be reversed. They also need to update the credit bureaus to reflect their error. They destroyed my crashworthiness!
Product: Debt collection

I recently received a copy of my consumer report from XXXX, XXXX XXXX XXXX and seen that Comenity Capital Bank is furnishing inaccurate late payments on my consumer report causing me to be denied credit for personal, family and household use. 


Pursuant to 15 USC 1666b - A creditor ( Comenity Capital Bank ) may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

the rewards acct was debited by the XXXX car dealer for XXXX in XXXX of last year The Dealership reversed the debit and credited the XXXX back on the card XX/XX/XXXX  The company commenity XXXX rewards visa instead of crediting the rewards acct, debited it to show a negative balance of XXXX instead of a positive balance, They tell me they have been working on for the past 80 days and that they have 90 days to resolve, I have uploaded all the transactions and copies of reciepts for each transaction with the approval numbers etc These XXXX XXXX say it takes 90 days I am owed a debit for the negative balance of XXXX plus a credit for XXXX to bring me positive account.
Product: Debt collection

I started receiving calls from XXXX on XX/XX/20. The CID states simply that it is a toll free call. They never leave a message. I do not answer unknown calls but I do screen so I can answer if it's something or someone who needs my attention. After several calls I blocked this number. They continue to call but at least my phone doesn't ring and I ignore them. An online search of several web sites revealed this to be a call from Credence Resources Management in XXXX, TX. Some people have described them as rude and aggressive and demanding personal information such as addresses, birth dates and credit card numbers. One person said they were told they could pay with a XXXX XXXX gift card. If that's true, then it's definitely a scam. I have had other calls I'm sure were spoofed numbers, although I can't prove it because I didn't answer, but they occurred with the same pattern of calling. One was from a wireless caller in XXXX XXXX, TX ( XXXX ) occurring at the same time as previous calls. No message left. This morning they tried a new tactic. At XXXX XXXX the phone rang. The screen simply said " unavailable ''. I screened the call and at the end of the voicemail greeting a robotic female voice said " good-bye '' before the recording started. The screen then alerted me that I had 1 missed call. To erase that notification I pressed the CID button on my phone and this 866 number was revealed. This means this was a robocall. I have never even heard of this company much less done business with them.
Product: Checking or savings account

In XXXX PNC bank deducted {$50.00} as bank fees from my account for a tool called XXXX XXXX  I did not sign up for XXXX XXXX  or neither do I need it. When I complained to cfpb complaint : XXXX Eventually they credited back my money but looking into my account on XX/XX/XXXX they debited my account for {$52.00} again.
Product: Credit reporting or other personal consumer reports

This is a follow-up to complaint XXXX. Truist is showing a missed 30 day payment in XX/XX/year>. I was under bankruptcy protection. I've tried several times to have this fix this delinquent marker. This is inaccurate and has a significant impact on my credit report. This needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off when I paid the account in full not late? Equifax violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX, XXXX XXXX XXXX -
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The negative information displayed above has not been verified to be in compliance with reporting standards. It has not been confirmed to be accurate, complete, timely, and validated. As per applicable consumer laws, you are required to provide documented proof of compliance with reporting standards. The information provided is deficient, and I demand that any imperfect, inaccurate, incomplete, and unverified information be removed from my credit report immediately.
Product: Checking or savings account

XX/XX/2022 a scammer hacked my bank account sending XXXX in the total of {$5000.00} to people. They called from a chase bank number confirmed on my XXXX XXXX  XXXX  an chase employee. I immediately called chase after the phone call and being locked out my account. I was advised i was scammed  and to file a claim. They are saying it was transferred from my device which is false i even called them telling them XXXX locked out my account i had to reset all names and passwords to my account. I even made a police report. My funds are suppose to be insured because i did not send anyone a payment at all my account was compromised and chase is refusing to return my funds. Family and friends tried returning the funds and they never returned to my account as i was locked out and the scammer changed my entire XXXX to another account.
Product: Credit reporting or other personal consumer reports

i am A VICTIM OF IDENTITY THEFT.I PURCHASED MY CREDIT FILE AND I SEE XXXX UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY CREDIT REPORT.I NEVER GAVE THESE COMPANIES PERMISSION TO PULL MY CREDIT.PLEASE REMOVE THE FOLLOWING XXXX UNAUTHORIZED FRAUDULENT INQUIRIES FIRST XXXX XXXX XXXX XXXX 2024, XXXX XXXXXXXX XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX. 

Account Name : 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: Mortgage

I have an existing first mortgage on my home with Citibank. I have an equity line of credit on my home with Citibank. Several years back when the economy took a turn for the worse and other unforeseen circumstances occurred I found it difficult to pay my obligations. I am self-employed. I have recovered and have brought each and every account current. Except for the equity line of credit with Citibank. It is not because I chose not to. I have for 5 years been trying to modify the equity line of credit with Citibank. I have documentation, correspondence and appraisals to document the last 5 years. I have never received a denial from Citibank and I have never received an approval from Citibank. I have written correspondence from Citibank they have received all the documents needed to evaluate a modification and move towards some kind of repayment. I have correspondence from Citibank that they would not move forward with a foreclosure if they received all the documents. Citibank received all documents several times, over and over again. Citibank has now moved forward with foreclosure. I have made payments through XXXX. I learned in the last quarter of XXXX that my payments were in a suspense account and not being credited to my account. I then learned that the payments I made and have been making over the years while trying to gain an approval of modification had not been applied to my account but thousands of dollars has been applied to accelerated interest. I have been assured by each of the XXXX different relationship managers who handled my account that no legal action would occur while I was in underwriting. I have all of the documentation to support my words in this communication. I have shared over and over again with Citibank how harmful this account reporting negative is for me being self employed. I have lost jobs because of their negative reporting. I have been denied or forced to pay higher interest on equipment I needed to purchase for my business. I was on the phone yesterday with my " New '' relationship manager of Citibank and today I received a phone call from a sheriff wanting to serve me with foreclosure papers from Citibank. As short as yesterday I was told I am in underwriting. This is not human. I have over XXXX feet high of documentation I have submitted, all I wanted was to get back on a repayment schedule while making payments in the meantime, only to learn none of the payments I have made were applied to my account. In summary Citibank has been taking payments for these years while I was applying for a modification for 5 years, yes 5 years never approving or denying all of my applications and now Citibank 's position is I have not made a payment since XXXX according to the papers filed. I hope and pray someone can help me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on my complaint that you've cloised XX/XX/XXXX. My issues weren't addressed well. I am asking you for your help to have XXXX ( Original Creditor : XXXX XXXX XXXX  with an account number XXXX, date opened XX/XX/XXXX with balance of XXXX. 

The law is very clear as to the civil liability and the remedy available to me for negligent non compliance section 617 if you fail to comply/ I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA XXXX
Product: Checking or savings account

After receiving a text message informing me of a litany of fraudulent charges to my Wells Fargo checking account on the morning of XX/XX/XXXX, I immediately reached out to the claims office. There was over {$78000.00} attempted to be charged to my account in over 10 different transactions after XXXX on XX/XX/XXXX and into the early morning on XX/XX/XXXX. {$6000.00} at XXXX, {$5000.00} at XXXX XXXX, etc. Most of them were reversed immediately, as they were clearly fraudulent, but there was still {$5800.00} in unauthorized charges pending after the attack. I filed the claim for the {$5800.00} still pending. XXXX business days later I received a call that my claim was declined and that the charges would remain on my account. They deemed that during a confirmed attack on my account in the amount of over {$78000.00}, I authorized someone to make four transactions to XXXX XXXX and one transaction to XXXX, an online overseas luxury clothing company, in the aforementioned amount of {$5800.00}. I did not authorize those purchases. After asking them how it was possible and how to have them revisit the investigation, the claims operator said he would see what he could do and I would hear back in another 10 business days. During this time I called XXXX XXXX only to be told that without the shipping addresses or the order confirmation numbers they were unable to release any data to me. I also called XXXX, whom was able to locate the charge and open a claim. The next day my claim for XXXX was declined and I was told to reach out to local law enforcement. Another 10 business days later, I received a call from claims again saying my claim was declined. The claims agent 's response was that he was shocked they ruled the claim that way, but because the investigator made the ruling there was nothing else anyone could do and that my case was closed. After a month of all of this, I called my cousin who is an XXXX XXXX XXXX in Pennsylvania and he told me to file a complaint with CFPB. He also advised that I close all accounts with Wells Fargo, as they are notoriously known for these kinds of scams.
Product: Mortgage

I applied for a forbearance because I lost my job once I found a job I wanted to start making payments on my loan. When I called XX/XX/2019 to make a payment I was informed they could not accept payment while I was in forbearance for 6 months and to file a modification In XXXX. In XXXX when I tried to file for a modification they basically told me I wasnt qualified and that I need to pay them upfront {$16000.00} or more they would foreclose on my house after I tried to make payments before and they would except it in XXXX they excepted a payment in XXXX and I thought for modification so Im being told two different stories now in XXXX they wouldnt except my payment and now theyre saying in XXXX that theyre going to send me a demand letter I need help immediately.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XX/XX/XXXXACCT # XXXXBALANCED AT {$1000.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b.

Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting or other personal consumer reports

I am trying to access my credit file via myequifax.com. I try to login and get a message that tells me I can not login and to contact their Customer Care Team. Ive called multiple times since XXXX and all they tell me is that they have to escalate my issue to a backend team but no follow-up occurs or resolution. 

Post last complaint filed, they stated they need to verify my identity to provide access. I've since provided the requested information via mail and email ( XXXX ) with no response or updates. This is ridiculous and should be a simple fix yet no one is responding from their end.