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

Citi Bank..I took out a XXXX XXXX..Citi XXXX  Plan XXXX thinking that when they reported my loan to credit reporting agencies that it would raise my credit score..Low and behold they told me afterwards that they do no report loans to credit reporting agencies..My XXXX XXXX was $ XXXX 10.99 % there was also a special purchase which when I called customer service and told them that I was going to pay off the higher interest rate charge, I was told that the balance was $ XXXX.I made a balance transfer to my XXXXXXXX XXXX and Citi Bank received the money on XXXX XXXX.Now their " rules '' are, any payment made with this balance transfer will go to the higher interest charge which is my standard purchase that 0 % ended on XX/XX/XXXX and thats why I did a balace transfer..I see that they want a payment of {$100.00} on XX/XX/XXXX. I called XXXX customer service to say that everything was paid off in charges with the balance transfer and that my XXXX XXXX payment is {$66.00} per month and thats what I'm paying in XXXX ... WRONG!! i have paperwork stating that the higher interest charge gets paid off first ... Well she says, its going to take up to five business days to correct the error and in the meantime that I need to pay the {$100.00}, I said I will not because Citi Bank made the error and all I owe is my XXXX  XXXX ... I cant stand Citi Bank and cant wait to cut up the card..Not reporting my loan to credit agencies and then after several calls to customer service to find out the PAY OFF for standand purchase, was verified at {$270.00} which was confirmed on XX/XX/XXXX ... I have an email from Citi Bank stating that a payment was made to my account on XX/XX/XXXX, they posted it to the wrong account!!! So therfore my XX/XX/XXXX statement is incorrect..Payment in XXXX will be a {$66.00} XXXX XXXX  payment... 
Remaining Balance $ XXXX Monthly Payment {$66.00} Remaining Payments 22 A {$270.00} payment posted to the account on XXXX XXXX XXXX  per Citi Bank email. 
Please let consumers know that they hire people in other countries to answer customer service calls. I called one afternoon and spoke to XXXX, I asked him where are you speaking to me from... He said XXXX and that he had just clocked on to work and it was XXXX in the morning in XXXX XXXX I spoke to XXXX on XX/XX/XXXX at XXXX and he verified the balance transfer, I requested that he send me an email stating that I only owe XXXX XXXX he never followed through like he said he would. I called on XX/XX/XXXX at XXXX EST to XXXX on the phone and on hold for over 25 minutes trying to resolve once again an issue with Citi Bank and their customer service obviously no taking notes as to my numerous call about this balance transfer ... BAD company
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally XXXX  XXXX  and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX
Product: Debt collection

Weeks of repeated robo calls that hang up after XXXX rings or when answer machine answers. A message asking to return the call or any message is never left. The calls come through using XXXX different caller id numbers. Violates Fair Debt Collection Practices Act 806 XXXX 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " No one here has any debt that is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I received an email from Lexington Law and theyre making up lies and charging fees that I was never aware of. I will NOT be paying any of those fees due to unethical and deceptive practices pertaining to my credit repair case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$40.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX we bought a home through 5/3 bank. The next year my escrow was XXXX negative with no explanation why. My payment went from XXXX to XXXX. They would not except my payment at the time because it was not enough.I had to refinance through them because they had brought my credit score so far down. At the full amount not taking out any and all payments we have made through the years this was in XX/XX/XXXX. Every year since my escrow is negative my insurance has not changed and my taxes were down till this year and then went up XXXX. My escrow this year was XXXX negative. Please help I can not get rid of this terrible bank. They will not let me pay my escrow my self. I do not now what else to do.Also at random time my credit monitoring company show me they add XXXX more that I owe with no explanation I have asked.
Product: Credit reporting or other personal consumer reports

Ive disputed these items with the credit bureau several times and the only thing they sent me back was verified with that was accurate with no type of validation
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i informed XXXX  to know that i received a credit report that had several inaccurate information on it such as several names and addresses that wasnt mines i stated that the company ( XXXX  ) should remove these due to the FCRA obligating credit agencies to report accurate information in which i recieved a updated report that still had several inaccurate addresses and names as well as employment innaccuracies. 15 usc 1681n states that a credit agency SHOULDNT BE WILLFULLY NON-COMPLIANT if that said agency ( XXXX ) is being non compliant thats punishable up to 2years or a XXXX $ fine per inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Bloom/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion
Product: Vehicle loan or lease

Dear team I had a car from Toyota in XXXX and it got burnt and the police report testifies and says that there is no quasi-criminal and it had insurance from Toyota and from the XXXX XXXX and where compensation has not been paid yet
Product: Checking or savings account

On Friday, XX/XX/year>, at exactly XXXX, I received a call from XXXX which is Bank of America 's main number. Knowing it was my bank I answered the call and a gentleman introduced himself as a representative of Bank of Americas fraud department. He informed me their team had flagged some unusual account activity and needed to find out if I had authorized it to which I responded, " absolutely not ''. I immediately opened up my BOA app and saw that XXXX XXXX transactions had been blocked, one for {$1400.00} and the other for {$1900.00}. The representative texted me a code to recite back to him verifying it was me. He assured me that my account was safe and that they would investigate the matter further. 

The following Tuesday XXXX my fianc who is a joint member on the account noticed that a XXXX transaction in the amount of {$1400.00} had been approved by the bank and deducted from our account. There were also some additional large sum transactions that had been blocked by the bank including the one I initially saw via my app for the suspect amount of {$1400.00}. My fianc immediately called the bank to let them know they had called me the previous XXXX stating we had nothing to worry about. Ultimately it was determined through this call that the man who called me on XXXX the XXXX was not from the bank but an imposter and that I had been scammed. 

My fianc and I first called our local branch who said they can't do anything and that we needed to call XXXX and file a claim. Long story short, we have filed a total of XXXX claims, all of which have been denied. The last XXXX times we requested to speak to a supervisor right away, all who were sympathetic to our situation and leaving us with a feeling of hope. 

In closing, I want to express my profound disappointment and frustration with the handling of my fraudulent claim. As a loyal customer for the past 27 years, I have always trusted Bank of America to act in my best interest and to protect my financial security. The denial of my claim for the forth time is not only disheartening but also undermines my confidence in the bank 's commitment to its long-standing customers.
Product: Debt collection

On XX/XX/2020 a collection account was placed on my XXXX, XXXX, and Experian credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION 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 N/A XXXX N/A XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXSOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.
Product: Debt collection

On XX/XX/XXXX an unsigned Writ of Execution ( dated XX/XX/XXXX ) was received by my employer and was sent to me via email on the afternoon of XX/XX/XXXX regarding wage garnishments. I contacted the company listed on the Writ as the plaintiff XXXX XXXX XXXX XXXX XXXX  XXXX ) in which they advised they don't have the file and I have to contact the attorney listed on the Writ. I then made several attempts to contact the attorney ( Law Office of Hayes and Welsh ) by phone on the number listed on the Writ of Execution which is XXXX, and spoke with XXXX XXXX who confirmed she received my voicemails and forwarded them to XXXX XXXX who is the attorney working on this case. However, after many attempts made to contact XXXX XXXX, I had not yet received any call back to discuss this case as of XXXX XX/XX/XXXX. I have never received a court summons for the hearing that created this judgement against me nor have I received the Validation Notice that they are required to send me prior to garnishment. The Validation Notice is to include a full accounting of debt principal, interest, original loan date, and current amount due as well as original creditor and account number. This debt has not been verified nor confirmed by me as being a legitimate debt. This debt does not reflect on any of my credit reports that I recently pulled as of XX/XX/XXXX. I had filed XXXX XXXX Bankruptcy in Hawaii on XX/XX/XXXX so all existing debt at that time was discharged and furthermore, I paid off all open collections listed on my credit report as of XX/XX/XXXX. I then submitted a letter of dispute by dropping it off to the attorney 's office as well as mailed a certified signature receipt required copy via XXXX yesterday XX/XX/XXXX. I have been living in XXXX XXXX since XXXX and did not make any new loans. All companies involved ( whoever the original debtor is ), XXXX XXXX XXXXXXXX XXXX  XXXX and the Law Office of Hayes and Welsh did not follow the CFPB regulations. Only after I left another voice message for the attorney stating that I was filing a complaint with the CFPB and Federal Trade Commission did I receive a phone call back which was at XXXX ( PST ) on XX/XX/XXXX. I then met with him when I dropped off my attached letter of dispute in which he stated he will contact his client to remove the Writ of Execution of wage garnishments and advised he will hopefully hear back by the end of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax data breach and experienced identity theft in XXXX of XXXX. Once I was alerted to the theft, I froze my credit with all three bureaus and created accounts where I could manage my credit. I had issues setting up an account with Equifax from the get go, and have called their support at least 4 times over the last year with no fix. I continually get a 'Please give us a call ' message when I try to log in, and we have verified many times that it is not a password issue and they can't see anything wrong with the account. Equifax claims they have escalated the issue to tech support twice, but nothing has changed. The most recent call was on XX/XX/XXXX, and again my issue was escalated and I was told it would be resolved within 10 business days. Unfortunately again nothing has changed and I still receive the same message. This issue is preventing me from controlling my credit with Equifax and is negatively impacting my ability to apply for credit.
Product: Credit reporting

I have told Experian that the XXXX late payment ( XXXX and XXXX ) appearing on my XXXX XXXX account # XXXX were inaccurately reported since it originated from an error from the bank which I have the auto payment on. They failed to properly investigate it and updated this account with the thw XXXX existing payments on my file!!
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practice which violate custom financial protection act ( cfpa ) specifically cash app has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive, as they didn't comply with error and resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significantly inconvenience financial loss and I seek appropriate redress for these violation
Product: Debt collection

In XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX, that they were going to waive my prior debt, in order for me to continue school. As prior, I had to leave school, due to personal tragedy in my household. 
I was told the debt would be waived, in time for me to register for classes in XXXX. However, the debt was not cleared by that time. The classes I registered for, were dropped due to the debt still remaining. After contacting my Advisor of the issue, she assured me that, I would be able to start classes in XXXX, instead. In late XXXX, the debt was still not cleared. I did not plan to attend classes, in XXXX as promised by my advisor, because the debt still had not been cleared. I planned to start in XXXX instead. 
Suprisingly, after about a week into the new class semester, I received an email, stating that I was behind on assignments. I was in shock. I had not idea that I was registered. My advisor had not followed up with me, to verify that I was still prepared to take classes, at that time. Unfortunately, I was not, as my word load, at my full-time time had, grown. 

However, having dealt with XXXXXXXX XXXX XXXX and having dropped classes, before, ( reason for my prior debt ) I know that the school still holds the student responsible for the costs of those classes. I tried my best to complete the work, though being a week behind in assignments. Eventually, I had to withdraw, it was too much to catchup on. Though I felt it was not my fault. I received federal student loans and grants, to pay for classes. The school says that I am responsible for classes that were already paid for, by me, via student loans. 

After speaking with someone from the collection department, at the school. I was told that I could dispute the debt. IHe told me that he would email a dispute form. I never received the dispute form. 

Here, we are on XX/XX/2023, and I receive a notification that the debt was added to my XXXX credit report, on XXXX XXXX. I received no other communication from the school. I didn't receive the email with the dispute letter, not did I receive a letter stating that there was a possibility, it was going to collections. The school has my updated information, yet I received nothing in the mail, giving me t the ability to respond. The debt was sent straight to reporting at the bureau. Which is against my rights.
Product: Checking or savings account

I've asked American Express Personal Savings to close my account and mail a check for what's in my account of {$500.00}. I need the account closed and a check mailed to me as soon as possible for what's in my account and there holding the money.
Product: Debt collection

Lockhart , Morris & Montgomery , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX PHONE : XXXX XXXX The above collection agency placed a debt on my credit report that was expired. this was for emergency medical condition. In the state of Illinois unwritten contracts which medical bills are, are only enforceable for 5 years. This company placed this on my credit report after the 5 years and also they never contacted me about this debt. I have asked this to be removed but they have failed to comply. An out of state debt collector should know the laws of the state there trying to collect from. 



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

I XXXX XXXX am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.