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

I moved in XX/XX/XXXX. I have four Citbank credit cards and in late XX/XX/XXXX, I called the XXXX number on the back of each of the four cards to change my address. 

However, unbeknownst to me, the customer service agent who took me call for the Citibank AAdvantage card did not apply the address change. 

Fast forward to XX/XX/XXXX. I received a call on XX/XX/XXXX from an internal collections department that my Citbank Aadvantage card was in arrears of {$900.00}, with a  total balance of {$4600.00} due. When I said that I was unaware of this as I had not received a bill since XX/XX/XXXX, they said " yes. We know. They were returned to us as undeliverable and we had no way to get in touch with you. '' They gave me the number of the recovery unit. 

I have a bunch of problems with this feeble excuse. First of all, I have three other Citibank credit cards that manage to get to me every month. Second of all, neither my email nor my cell phone # has changed in more than 10 years. And third, how is that the credit reporting unit had no trouble finding my home or cell phone? 

I know that this will lead to a huge ding in my credit report, so I called the recovery unit on the same day, XX/XX/XXXX. I managed to convince the man I was speaking with to investigate the claim in an effort to keep it off my credit report. I also asked to pay the entire outstanding amount in full. But he could not guarantee that my credit would not be tarnished. He told me to fax a letter to the XXXX XXXX XXXX ( XXXX ), which I did on XX/XX/XXXX. I was told to call back in one week ( XXXX XXXX ) after XXXX to learn about the results of the investigation, and that in the meantime, the account would not be sent to an external collection agency and that I should not speak to the INTERNAL collections unit if the called again. 

On XXXX XX/XX/XXXX, I received a call from an EXTERNAL collection agency telling me that i had outstanding debt on this account. I told her that I would be speaking with the recovery unit as promised, at XXXX. When I called the recovery unit, they " had not yet gotten to the investigation yet '' and had no record of sending the fax. ( I subsequently resent it again today ). When I asked why the account had been sent to an EXTERNAL collection agency despite reassurances that it would not happen, his response was " Citibank always abides by federal rules and statues when it comes to this type of thing. '' I spoke to his supervisor, who had no more light to shed on the status. 

So, I 'm in limbo because they made a mistake in not applying my change of address. And they did n't bother to do anything about trying to find me. I could call the EXTERNAL agency and pay off the debt in full, but I 'm reluctant to pay it in full ( I could just pay the arrears ) if my credit report will still get dinged. And no one can answer any of my questions. It 's a huge circular vortex. When I called collections, they ca n't 'see the account ' because it 's in recovery. Recovery has had it for a week, has n't done a thing, and in fact, sent the account to an EXTERNAL collections agency when they said they would wait.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : XXXX ( company ) -The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.- this was already updated back in XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX that purchased an old account from XXXX XXXX, which I did not give permission to sell my personal information to.
Product: Money transfer, virtual currency, or money service

I was trying to transfer my crypto from Robinhood to a self wallet on XX/XX/XXXX. Robinhood kept restricting me from sending certain types of crypto. The next day I went on the app and it said that my account was restricted. I tried contacting Robinhood and they say they will give me a call and they have not reached out. The virtual chat is no help either and I can't speak to anyone to help me. I have over $ XXXX in the account and I can't access it. They are holding my money and there is no way for me to access the money that I need. I need help getting access to my account but there is no way for me to get a hold of anybody at Robinhood. I have been using Robinhood since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put a 10 year old debt on my credit that was discharged in bankruptcy and Equifax has made a mess of my credit score. Not only did they not delete XXXX ( I am currently disputing it for a 3rd time. They ADDED the 11 yr old bankruptcy BACK on my credit and they listed XXXX XXXX as being discharged in bankruptcy and that debt was never part of my bankruptcy. That debt is owed by me. I sent them the discharge papers, schedule of unsecured debts and mailing confirmation and no where listed is XXXX XXXX. Equifax is taking no responsibility for messing this up, refusing to make corrections, giving horrible customer service, telling me I need to DISPUTE things I NEVER put in dispute ( I disputed XXXX which the attached documents will support ). I have no idea why they took such a simple request and completely ruined my credit. I am in the process of buying a home and this is devastating. They should be held responsible for ruining lives. They are not the kind of business that can make careless mistakes like this!! It hurts the consumers and in this case ... sending proof of 1 company that needed to be deleted ( XXXX ) has now resulted in me needing to get a Bankruptcy removed and a company that was NEVER listed on my bankruptcy removed out of bankruptcy. This is a nitemare and Equifax is NOT helping.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I has come to my attention, that XXXX XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX # XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX In Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Mortgage

I called in XX/XX/XXXX and wrote a letter in XX/XX/XXXX asking NewRez to stop charging XXXX XXXX since LTV is approximately 65 %. They continue to use a home value less than half ( $ XXXX versus $ XXXX ) of current value, and even less than initial value of $ XXXX when purchased in XXXX. They should refund all insurance money since LTV was under 80 % several years ago, and not ask me to provide them a new appraisal which cost a lot of money. 

Called again in XX/XX/XXXX, and they won't fix it!
Product: Checking or savings account

Subject : Formal Complaint Regarding Improper Overdraft Fees and Deceptive Practices To Whom It May Concern, I am writing to formally dispute four overdraft fees totaling {$140.00} that were charged to my account on XX/XX/XXXX and XXXX, XXXX. These charges were improperly assessed, and Wells Fargos handling of my request for a refund is in direct contradiction to the information I was previously given by your representatives. 

On my prior call with Wells Fargo in XX/XX/XXXX, I was explicitly informed by XXXXne of your representatives that if an overdraft fee were to occur within six months, I would be eligible for a refund. There was no mention of a 12-month restriction at that time. Now, Wells Fargo is retroactively changing this policy to deny my refund request, which constitutes misleading and deceptive business practices. 

Furthermore, I never authorized overdraft fees to be applied to my account. Under federal law, consumers must opt in for overdraft protection on debit card transactions and ATM withdrawals, yet I have no record of providing such consent. If Wells Fargo is enforcing overdraft fees on my account without my express authorization, this raises serious compliance concerns. 

I am requesting the following actions be taken immediately : XXXX. Full Refund of Overdraft Fees I expect a refund of the {$140.00} in overdraft fees that were charged to my account on XX/XX/XXXXXXXX XXXX XXXX XXXX 
2. Call Record Review Wells Fargo must retrieve and review the recorded call from XX/XX/XXXX in which your representative assured me that I would be eligible for a refund if this situation occurred within six months. 
3. Written Clarification of Overdraft Policy I request a written statement clarifying your overdraft policies and my alleged authorization for overdraft fees on my account. 


Please respond to this complaint in writing within ten ( 10 ) business days. If a resolution is not reached, I will be left with no choice but to pursue all available avenues to ensure that Wells Fargo is held accountable for its deceptive and unfair practices. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I closed on a consolidation loan to pay off 4 creditors. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. Two of those payments, ( XXXX XXXX XXXX, and XXXX XXXX XXXX have not been received and paid off those loans as promised in the contract we entered. 

One Main Financial refuses to move my payment due date back, or, most importantly, reissue these two missing payments. 

They have not provided me with a copy of the contract.
Product: Debt collection

An account opened with XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX for the amount of {$260.00} has no reason to be listed on my report. This is not a debt owed by me and I wish for it to be removed from my credit report for it is damaging score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.
Product: Debt collection

On XXXX/XXXX/2015 XXXX willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe XXXX any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against XXXX.Thank you
Product: Checking or savings account

Company will not allow me to repay overdraft monies owed to them. I do not understand them. Period. I can not even login to repay money owed. I want to zero out the accounts but can not even login.
Product: Money transfer, virtual currency, or money service

I am filing 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 Tra
nsfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a unauthorized inquiry on my credit Bureau report on XX/XX/XXXX upon review of my credit report i notice a high amount of inquiries that i did not recall. i also had my identity stolen along with accounts opened along with credit applied for. i requested for proof that the company had permissible purpose to obtain a copy of my credit report i was informed that hard inquires wont be removed unless its with a police report however permissible proof was never provided. This request and replies happened XX/XX/XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was never late on my XXXX XXXX XXXX XXXX  XXXX # XXXX The months that's stating I'm late is XX/XX/2023, XX/XX/2023.
Product: Checking or savings account

I am writing to inform you that I am currently unable to open a checking account due to fraud that has been reported on my ChexSystems report. The fraud has resulted in negative entries on my report, and as a result, financial institutions are refusing to approve my application for a new account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX/XXXX  XXXX Balance : {$XXXX} XXXX  XXXX XXXX Balance : {$XXXX} - XXXX XXXX XXXX CARD XXXX Balance : {$XXXX} XXXX  XXXX XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have no direct business with Portfolio Recovery, and XXXX XXXX. I've never signed up for any services with them and never signed any type of documents. I want the accounts removed from my credit reports. I don't have any business or documents from the either company. provide proof i signed documents with these companies
Product: Checking or savings account

I bank with Chime bank account, an online bank. On XX/XX/XXXX at XXXX there was a transfer for {$1000.00} from my savings to checking account then made from my checking account to someone else by a pay anyone transfer it says for me I noticed the next day and called immediately after I saw it to file a dispute, it was around XXXX on XX/XX/XXXX. The next morning, XX/XX/XXXX, at XXXX I received an email saying that the investigation was Over no error was found. I called right back and said I need it te investigated, look into it more this has to be a mistake. I also asked for all transfers on my account to be blocked for the time being, which I was told was not possible. I filed the dispute, sent in any emails from them I had, and every time they replied no error found On XX/XX/XXXX at XXXX {$2000.00} was transferred from my savings to checking a account, then a {$1000.00} transferred by the pay anyone transfer to the same person. This time for rent I called back immediately the next morning, again filed disputes and got the same reply, no error found I changed my email and password again, ordered a new card, blocked the person this money is being transferred to, kept reopening the disputes and they kept closing them shortly after with the same reply. I called and spoke to many people with no help. Emailed them and sent in whatever screenshots I could, let them know that I would not even pay somebody for rent as it comes right out of my paycheck form my job because I work in the leasing office of an apartment building. I always got the same reply. I started giving up and just trying to move on, I figured I just lost the {$2000.00} and had to keep going. 
Now on XX/XX/XXXX at XXXX, months later, I notice ANOTHER TRANSFER for {$2000.00} from my checking to savings account, then again the pay anyone transfer for {$2000.00} to the same exact person. I noticed it when I got back from a weekend trip to West Virginia. I called immediately that morning. Said I need that disputed along with my previous two reopened, they said they. Oils not reopen the last two but can dispute the most recent one. I spoke with a supervisor and pleaded my case to her, something had to be able to be investigated more, I need all three reopened and something done. This is {$4000.00} in 3 months, that is not right. After my cases were reopened I got the same reply shortly after, no error occurred. I feel as I am not being takin seriously or anything looked into at all. I have asked about any options we have to secure my account and how to prevent this from happening as well as how can I get my money back. I have submitted police reports and any documents they asked for, and every time after every dispute a couple hours later no error found something had to be done about this.