23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have close a life insurance which was taken our of my account automatically. I called the company and they say it willi be cancell. Then I did n't have funding for it. I called bank of the west XXXX number and they tell me they ca n't do anything about it so i have to call bank of the west here on XXXX. So I called and the Lady and we and says she will take care of it and my account will be close. I refuse to pay a life insurance of {$6.00} and bank of the west keep on charging me everyday that I have no money to pay. I dont feel its right to treat poor people like that.
Product: Debt collection

XXXX XXXX XXXX XXXX is saying I owe money for an electric bill that I do not owe. I had the account closed in XXXXXXXX XXXX XXXX They continued to charge me from XXXX to XXXX and say I owe them {$140.00} that I do not owe because I moved out XX/XX/scrub>XXXX XXXX
Product: Checking or savings account

At the end of XX/XX/XXXX I opened checking/savings/credit card account with CitiBank. 

The intent was to consolidate multiple accounts into a single account at Citi. 

To maintain CitiGold access I needed a minimum of XXXX in deposits. 

The XXXX was primarily going to come from a roll over 401k. 

On or about XX/XX/XXXX I spoke with XXXX XXXX at Citibank who informed me that Citi did not have the ability to transfer a 401K. 

As I was now unable to maintain the min XXXX balance required for citigold, I started moving approximately $ XXXX to XXXX. 

On or about XX/XX/XXXX Citibank froze my accounts with approximately {$5000.00} remaining. 

I called on XX/XX/XXXX and was told my account had been closed and I should expect the {$5000.00} in about 60 days. I need this money to pay bills. 

I need the {$5000.00} returned to me immediately. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted this information in the past and attempting again due to claims of not finding my consumer report and to do so as a good faith attempt. In Addition to the federal violations, you are also violating state laws as a result of violating my right to privacy as it relates to my consumer credit reports ; North Carolina General Statutes Section 14113.20 : Focuses on obtaining, possessing, transferring, or using someone's personal identifying information with the intent to commit fraud.
Product: Student loan

As per studentaid.gov, federal student loan accounts with anniversary dates preceding XX/XX/XXXX, were supposed to be extended by a full year. Despite my attempts to convey this during calls to Mohela on XX/XX/XXXX and XX/XX/XXXX, and the assurance of escalation, my IDR anniversary date remains unchanged. The guidelines can be found below, under " Income Driven Repayment '' : https : //studentaid.gov/announcements-events/covid-19 I urge Mohela to promptly rectify this issue by adjusting my IDR anniversary date to align with the provided relief measures. The recent switch to a standard repayment plan with a monthly payment of {$2300.00} is not in accordance with the directed guidelines and needs immediate resolution. While their reps have been congenial, my attempts at resolution with them directly are futile.
Product: Mortgage

Select Portfolio Servicing ( SPS ) is refusing to apply payments me and my husband made when we individually filed bankruptcy. Attached are XXXX payment abstracts from the Bankruptcy Trustee for me and my husband. Please note, not only was XXXX paid but also XXXX XXXX. I was not able to find either of these payments posted or applied to my account on the summary provided by SPS. Therefore, SPS has engaged in coercive and deceptive collection practices by falsely claiming that certain amounts are due, misapplying my mortgage payments, improper calculation of interest, and has failed to credit payments properly which are in clear violation of the Federal Real Estate Settlement Procedures Act ( RESPA ). Also, note other payments were not sent because XXXX/XXXX rejected them but kept XXXX and held it in suspense as documented on the summary provided by SPS. 

As a result of refusing to accept and accurately apply payments, they are attempting to foreclose on our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to acknowledge receipt of your recent letter dated XXXX XXXX for XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, in which you have stated that you have verified and validated the late payment that was previously disputed by me. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payments that have been reported on my credit report are in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies. 
Given that the late payments have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was sued for an old debt that was acquired by Asset Acquisitions Group out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX XXXX a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my XXXX  attempt addressing XXXX XXXX XXXX 's continued misrepresentation of the purpose of my dispute. My complaint is not about the validity of the debt itself, as I acknowledge that I had a financial obligation with them. Rather, my concern is that their original contract does not include an authorization clause or any explicit consent from me allowing them to report my account information. This omission constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated complaints, XXXX XXXX continues to mischaracterize my dispute by focusing on the existence of the debt instead of addressing their lack of authorization to report it. I respectfully request your assistance in compelling them to cease reporting my account ( which was paid in full and closed ) information due to this contractual deficiency. 



Would you like me to add or adjust anything further?
Product: Credit card or prepaid card

I signed up with a company called XXXX XXXX, they are a program for mortgage professionals. I have cancelled with them since XX/XX/XXXX!! 

I don't check my credit card statements often because I don't use the cards often. 

This company has been charging me after I cancelled with them since XX/XX/XXXX!!! XXXX dollars a month, and some months XXXX dollars! 

I disputed this with Chase and they said they can't do anything, because they can't only credit me for 60 days and they will contact the merchant as well to get them to stop charging me. 

Well it's now XX/XX/XXXX and the merchant sure enough is still charging me!, I have not used the card and finally logged on to check my account and prepare for tax season and I see that I am still being charged.
Product: Debt collection

Midland Funding is reporting an account settled with with creditor and the creditor removed from my credit report. The last payment is over the 7 year required for removal on my credit reports.
Product: Credit reporting or other personal consumer reports

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly associated with me without my knowledge or approval, causing significant distress. As an identity theft victim, I've reported this incident. This urgent matter needs immediate attention due to its negative impact on my finances and reputation. I request your swift removal of all fraudulent information from my credit report and a thorough investigation. I'm ready to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation.
Product: Credit card

An authorized hard credit pull was done under my name and social security number with the following companies : Capitol One Credit Card, XXXX XXXX XXXX and XXXX. I've called every XXXX of these lenders to request the documentation that they had that showed that I authorized the hard credit pull that occurred on XXXX. None of these lenders were able to provide me with documentation saying I approved this hard credit inquiry pull. XXXX XXXX did confirm that they saw an application and would proceed with a dispute. Capitol One and XXXX on behalf XXXX XXXX stated that they did not have an application on file for me under my social security number even though it is currently showing on my credit report with XXXX as XXXX. XXXX has requested in order for me to remove these fraudulent hard credit pulls off my credit report I'd have to mail in documents from the FTC and CFPB for them to do the investigation. I'd also like to point out that these hackers even went as far as to create an online account with XXXX using my name and social security number so that when I tried to create an account under my social security number it was already attached to an email and phone number that HAD NO ASSOCIATION with me what so ever! Thankfully XXXX deleted the account and now I am taking all steps to secure my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with TransUnion. I have been working on my credit and working to repair and update inaccurate information. I went through identity theft in XX/XX/XXXX and divorce in XX/XX/XXXX-XX/XX/XXXX. All credit reporting agencies have kept up to date EXCEPT TransUnion. I have submitted disputes in XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX. The info regarding account that are listed that are not mine, has bee disputed and TransUnion refuses to remove the information. I filled bankruptcy in XX/XX/XXXX, accounts are not listed properly as in bankruptcy, but still being reported as late pay and negative open/collection accounts. I have called repeatedly, with no results. I'm told that an investigation is being done, but that's a lie. I need assistance.
Product: Debt collection

I kelp receiving phone calls from a company saying they were collecting a debt, however the company that they trying to collect has fraudulent information. I have proof from one of the statements with a different account information were listed must be same companies with different cards that were issued. It looks like they amount were from XXXX and the company says bills were from XX/XX/XXXX-XX/XX/XXXX and the debt look much older and the company wants to make as it look charges were recent. I have called the company to resolve this issue no one wants to talk they only talk in threatening language and wants to add me to that's over 7 years ago on my credit report.
Product: Credit card or prepaid card

My XXXX year old father called me to say he had just received a call from American Express saying they had an important message for XXXX XXXX. This made him concerned he was being targeted for fraud since he has nothing to do with my card, or his grandson 's card ( XXXX XXXX, XXXX ) I said I would call American Express and my son and ask what was going on and tried to put his mind at ease. 
I called the American Express fraud department to see if this was a legitimate call. The person in the fraud department said He would have to transfer me to find out how they got my father 's name and number, but it appears that i was two days late with my payment so could we please fix this first. I said no, my wife takes care of these payments and I will have her take care of it. From there he must have asked four times when I would pay, how i would pay, which account should he take the payment from, could i at least pay the past due  balance, he would like to make a note for the record that this payment will be made. It was total harasment - I called to report a fraud! 
I have no idea what privacy laws American Express violated to connect me to my father and then to reach out to him when he is not in any connected with my account.
Product: Credit reporting or other personal consumer reports

Experian refuses to restore my XXXX to XXXX XXXX and wiped out now 17 months of never late on time payments but still puming these credit cards in fact telling I have a high fico score, my fico score according to there website is XXXX how is that a high fico score, experian is closing complaints without fixing anything, THIS IS A CLEAR VIOLATION OF THE FCRA
Product: Debt collection

Re : Dispute of Reinserted Account Request for Immediate Removal Dear Transunion I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX no account number listed The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed.

Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX  Declined XXXX cash advance from Fifththird bank  XXXX Ohio. I called Fifththird and asked was there a issue, Service rep stated no issues for mortgage deposit.i told her I don't have mortgage with XXXX XXXX XXXX  I just need XXXX. Then Fifththird bank  says I need to deposit when XXXX ; was already in the express. Then Fifththird says I no longer can do advance. I told her Fifththird bank  not in Texas and I just need pay rent. Ithe Rep said no then I went to ATM withdrawal limit I was told XXXX. I told her this is new since I opened acct because of travel. She said only XXXX ; but she could increase the amount only XXXX hrs. I told her no why did XXXX change the amount she said it's always been that.bshe said open another acct for advance I told her no that's not what I agreed to when I first got express checking for my church. Then XX/XX/XXXX the girl said in XXXX OH corporate the branch XXXX out but call customer service for ATM increase I told XXXX XXXX customer service not in charge of Increase or decrease of ATM Withdrawal limit since XXXX with Savings account and Checking acct good standing balance limit only XXXX. From VA and XXXX XXXX. I reported to Fifththird bank fraud department the transportation unauthorized purchase and charge when I have large purchases while traveling and bank robbing attempt and taken. I told them XXXX XXXX and his people recently tried to steal XXXX. Was taken between XX/XX/XXXX and XX/XX/XXXX I took XXXX. XX/XX/XXXX for truck repairs and other urgent care, Before XX/XX/XXXX. The last deposit into my savings was XX/XX/XXXX. I tried to speak with Fifththird rep he said what institution stole money XX/XX/XXXX I said no institution stole money XXXX XXXX and his people trying to get me to spend or transfer money so they can rob the rep then could not hear me. I am telling you these people work in Fifththird bank  and in civil public places stealing from my acct while I travel with my church. I was not given XXXX. Limit on my debit card. From XXXX someone at Fifththird bank  and XXXX XXXX XXXX  did their supply. Please help me I am not the training person for personal working for banks and use my account to mess with so they can learn the fix issues I do so they can get a better job postion. I am tired of these clowns messing with me about robbery and I don't know what to do.
Product: Credit card or prepaid card

On XX/XX/2021 I booked an airplane ticket with XXXX XXXX using my credit card Capital One to travel from XXXX to XXXX, XXXX with one short stop in XXXX. 
On XX/XX/2021 I checked once again my itinerary only to discover that the flight from XXXX to XXXX was cancelled. I immediately cancelled my ticket with XXXX XXXX and asked for a refund. I also called Capital One and spoke to their Customer Service and they stopped the payment to the airline. 
( This was at the height of Covid-19 and I had heard that in XXXX the situation was ghastly. ) At that point I re-booked a ticket with XXXX XXXX using again my Capital One credit card and my flight to XXXX went smoothly. 
Returning from XXXX about a month later I discovered that Capital One had reinstated the XXXX XXXX XXXX based on a cable they received from XXXX XXXX describing how they had offered me coupons and I had not used them! 
I called Capital One 's Dispute Dept. and also sent them a Registered Letter with return receipt. On the phone the credit card officer told me that they justified XXXX XXXX and that the charge stands. I have copies of all my correspondence. I also cancelled my credit card after many years of usage due to their flagrant disservice they've done me. 
I have had an excellent credit record and they lost a good customer but I refuse to pay them the amount they are asking for the ticket I did not use, {$1300.00}. Please help me correct this grave error on their part as well as their not replying to my registered letters though they have signed as 'received '. 

p.s. All my correspondence with the above named credit card, as well as receipts of the Post Office, are available for your perusal. 
Thank you!
Product: Credit card

A Citi Bank CITI/AAdvantage XXXX World Mastercard Credit Card Account was fraudulently opened in my XXXX spouse 's name was opened shortly after XXXX XXXX  ( XXXX XXXX ) about time her XXXX was published in the XXXX  XXXX XXXX on XXXX XXXX 2024. A bill for billing period XXXX for {$590.00} was received. 
I called customer service and had trouble connecting due to not having an account number! I waited for long periods for a representative on hold and was disconnected after the service rep intimated that it was an account I wasn't aware of. There is no way my spouse who was XXXX of XXXX XXXX XXXX was capable of opening a credit account. 
I then sent the emails copied below to the address I found on their website. I called a second time and was transferred to their " closed '' security contact who said they would call me back. They never did. I received a second bill late fees and interest penalty. 
I received a letter dated XX/XX/2024 stating they have closed the account and placed the account with " one of our XXXX partners '' XXXX XXXX XXXX. I then received a nearly unintelligible call from an " XXXX XXXX XXXX '' company which I hung up on. 



From : To : XXXX Thu, XX/XX/XXXX at XXXX PM I find this annoying. 

I just received a fraudulent billing for a membership fee in my XXXX spouses name. 

I accept no responsibility or obligation past or future for this account be it fee, billing or any other connection to this billing / account. 

I do not have a card or account number. It says " Member Since 2024 Account Number ending in XXXX '' Billing is for membership fee {$590.00}. 

Addresses given : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Citi Cards XXXX XXXX XXXX, XXXX XXXX XXXX Please reply with acknowledgement of receipt. 

Regards, Re : Fraudulent Account XXXX/Sent From : To : XXXX Fri, XX/XX/XXXX at XXXX AM It appeared this did not sent last night when I sent it. 
I finally got thru to an operator on the phone this morning but after not letting me explain she ( XXXX ) hung up on me. 

Your automated system does not recognize my XXXX spouses XXXX. 



On Thursday, XXXX XXXX, 2024 at XXXX PM XXXX, XXXX XXXX XXXX wrote : I find this annoying. 

I just received a fraudulent billing for a membership fee in my XXXX spouses name. 

I accept no responsibility or obligation past or future for this account be it fee, billing or any other connection to this billing / account. 

I do not have a card or account number. It says " Member Since 2024 Account Number ending in XXXX '' Billing is for membership fee {$590.00}. 

Addresses given : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Citi Cards XXXX XXXX XXXX, XXXX XXXX XXXX XXXX reply with acknowledgement of receipt. 

Regards, XXXX bill XXXX