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

XX/XX/XXXX I mailed a letter to the Citizens Bank branch where I first opened my account, notifying the bank to close my checking account and to send me a check for my remaining balance in the mail to the address the bank had on file. I did not receive any communication or a check for about 10 days, so on the evening of XX/XX/XXXX I logged into the online banking portal on Citizen 's Bank 's website to check my account. I found that my account balance was negative and not only had I been charged a {$35.00} overdraft fee, but I was daily being charged a {$6.00} " Sustained Overdraft '' fee each day beginning on XX/XX/XXXX. In the time between when I sent my letter requesting to close my account and when I logged on to my account, an outstanding check that I was unaware of was cashed. I called Citizens Bank the very next morning on XX/XX/XXXX and asked why I was not notified that my account was overdrawn, especially since I had sent a letter requesting closure of my account. I was told that I HAD been notified through the online website, because I had signed up for online banking. The Citizens Bank representative gave me a " courtesy '' refund of the {$35.00} overdraft fee but would not, nor would her manager, refund me the daily charges of {$6.00} for a " sustained overdraft ''. According to Citizen 's Bank, a message in the online portal constitutes notification. I told them that this does NOT constitute notification because it is PASSIVE ; NOT ACTIVE. It requires a customer to take an action on their own behalf to receive the notification ; that being, logging into the bank 's website. I was told that I can change my " preferences '' to receive an email or letter, for example. I had never changed any of the preferences from their default since signing up for online banking. I went to the tab on the webpage to look at my preferences and found that the default preference is to receive no notification of an account overdraft. This is absolutely outrageous. The DEFAULT notification setting should be ACTIVE notification via mail, email or phone/text. If a person chooses to opt out of active notification that is a completely different situation. How much money is Citizen 's Bank making off of charging fees to people who " screw up '' because they were n't aware that the default setting is to give customers no notification upon signing up for online banking!?!? It was ironic that Citizen 's Bank refunded my overdraft fee and NOT the sustained overdraft fees, because it was actually my error that caused an outstanding check to put my balance negative ; but it was the bank 's unscrupulous policy that caused my lack of awareness of my account balance leading to the sustained overdraft fees. Doubly vexing in this situation is that there is another layer to the problem : I active contacted the bank to close my account ; and probably while my letter was in the mail, the check cleared, such that when my letter arrived at the branch, they found my account to have a negative balance and thus did not close it but THEY TOOK NO FURTHER ACTION, SUCH AS TO NOTIFY ME!
Product: Credit reporting or other personal consumer reports

The fico XXXX credit scores says that a 60 day missed payment affects my score negatively. But, The are no missed payments reported in the credit report.
Product: Debt collection

This company " XXXX XXXX XXXX '' sent a collection letter to us stating that PayPal is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY PayPal account that we have, so how is it that we are in collection mode from PayPal? 

So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of PayPal.
Product: Credit reporting

Experian continue to list a Civil Judgement which is not mine.Experian has deleted the entry from the Original Creditor which is XXXX XXXX, but they are not deleting the Civil Judgement from XXXX XXXX. When the Original Debt from XXXX XXXX is not mine, how come the Civil Judgment from from that debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on Equifax complaint # XXXX. No where in that complaint did I say anything about inaccurate information in my credit file. Yet this was their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 
They did not even read the complaint. They could not have and responded like they did. My complaint was about Equifax denying me my right to view completed dispute results. Wow. They did not even read my complaint. The results of many of my disputes are available online but I have no way to access them. My complaint was pretty clear. wow what a waste of time.
Product: Debt collection

Capital One debt, was charged off in XXXX XXXX XXXX, However collection company has called several times. I inform them to provide information pertain to debt in writing. To Please stop Calling Me, Never recieved the information i requested, I continue to get text message regarding that debt from debt collectors. The name of the collection agency is XXXX XXXX, PHONE # XXXX. The message are coming constantly beginning around XXXX, XXXX, XXXX, up until now. My rights have been violated. I never Provide written consent to furnish or obtain my personal information. The debt was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Debt collection

On XX/XX/2022 I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$1200.00} for XXXX. This is not my debt, I have never opened a account with XXXX  for { {$270.00} I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Government Issued ID was used to open this debt. What city and state was this debt opened. This company Jefferson capital systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$1200.00} phone bill!!! phone bills on average are $ XXXX is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from Jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law.
Product: Credit card

I am writing to file a formal complaint against Citi Bank for their handling of a dispute related to my Best Buy credit card. My issue involves a lost package from Best Buy, and the subsequent response from Citi Bank, which I believe is inadequate and fails to protect my consumer rights. On XX/XX/2023, I used my Citi Bank Best Buy credit card to make a {$140.00} purchase from Best Buy. Unfortunately, the package never arrived, and after following up with Best Buy, the issue remained unresolved. Expecting support from my credit card issuer, I reached out to Citi Bank to dispute the transaction due to non-receipt of goods. However, Citi Bank 's response was to direct me to contact the merchant ( Best Buy ) for resolution or to cancel the transaction. This advice is not only unhelpful but also disregards the protections I should be afforded under the Fair Credit Billing Act. As the credit card issuer, Citi Bank has a responsibility to intervene in such disputes, especially when the merchant fails to resolve the issue satisfactorily.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. It is so much incorrect information that is being reported to third party consumer agencies. Online credit applications and bank accounts that were open online. 

cks Prime investments XX/XX/XXXX ( {$650.00} ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XXXXXX/XX/XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payment associated with my accounts. Upon meticulous review of my report, I have identified instances where late payment have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payment. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payment. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was contacted by XXXX XXXX ; phone number ; ( XXXX ) XXXX through messenger. He pretended that he was a high classmate and from there, he mentioned about XXXX XXXX XXXX XXXX run by XXXX XXXX XXXX XXXX ) XXXX. XXXX, told me that this XXXX XXXX help him with his hospital bills due to his XXXX problem. I contacted XXXX and he mentioned that the program is legit and if I sent the money right away I will have the money in 48 hours. At around, XXXX XXXX I went to my bank ; Wells Fargo Branch at XXXX and spoke to XXXX XXXX and I told him that I want a wire transfer of {$30000.00}. He wire transfer the money to XXXX XXXX XXXX and routing number of XXXX. At XXXX XXXX, I call the Wells Fargo customer services and I told them that I was scammed by XXXX XXXX. The banker representative told me that they could not stop the wire transfer because it happened at XXXX XXXX. They gave a case number of XXXX. Today, XX/XX/2022, they told me that the case was close due to not enough evidence.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, my husband and I financed a custom computer from a company called XXXX XXXX for the cost of {$4500.00}. We used a third-party company called Affirm to finance the purchase, making payments of {$190.00} over the course of 3 years, totaling {$6900.00}. Months go by as we continue to make our monthly payment, and we never received any update as to when our computer would even be built. I would reach out to them via social media and on their main platform, XXXX and would get told that they are still waiting to build my computer. XXXX XXXX  ' agreement stated they would notify me 1 week, 1 day, and the day of my computer being built. This never happened, and XXXXXXXX XXXX ceased business near the beginning of XXXX, XXXX, so we reached out to Affirm to get the return we deserve, and started a dispute on the purchase on XX/XX/XXXX. Affirm 's policy states, " In an event where a business shuts down before delivering the product, Affirm would be obligated to fully refund all consumers who have financed a purchase with that business. '' They have asked for proof of purchase, proof that we have reached out to XXXXXXXX XXXX  to try and resolve the issue, proof that we never received a product, proof of my order number, and anything else that would support my claim. I sent Affirm everything I could obtain that they requested, to which they explained that they had to send the dispute to, " the higher ups '' on XX/XX/XXXX, after spending days providing all of the evidence requested. Nearly two months later, I contacted a lawyer who informed me to request an update within 72 hours. Affirm told me that they couldn't provide the refund since the order was processed in XXXX, XXXX. I then explained that the first piece of evidence I sent to them, was a screenshot taken on XX/XX/XXXX, of my order from Artesian Builds stating, " Order # XXXX  was placed on XX/XX/XXXX and is currently Processing. '' I called Affirm to speak with someone about the issue, and spoke to a supervisor who assured me they sent it back as " full contest '', and that they would get back to me after reviewing my case even more. I am waiting on a response, to which I believe will not be handled sufficiently, or within a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has me added to her jet Blue credit card and I want to be removed off it as an authorized user.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the handling of my credit report by the three major Credit Reporting Agencies ( CRAs ) XXXX, TransUnion, and XXXX. After reviewing my credit report, I discovered a significant number of inaccuracies, including multiple unauthorized inquiries, which I did not consent to and am unaware of. Upon noticing these errors, I suspected that I may have been a victim of identity theft. 

To address my concerns, I immediately reported these discrepancies to the CRAs, informing them that I believed I was a victim of identity theft. However, I am deeply disappointed to inform you that the CRAs have failed to act in accordance with the law and did not remove the unauthorized information from my credit report, despite my clear communication. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, when an individual notifies a CRA that they have been a victim of identity theft, the CRA is legally obligated to block any information related to the identity theft from the credit report within four business days. The law also requires that they investigate claims of fraud and provide a timely resolution. 

Moreover, under Texas Penal Code Section 32.51 ( Identity Theft ), it is a criminal offense for someone to use another persons identifying information without consent. I am reporting a situation in which my identity appears to have been used fraudulently, and I am being burdened with the fallout of this crime, despite my efforts to resolve the issue. 

Additionally, the Federal Trade Commission ( FTC ), in compliance with the Identity Theft and Assumption Deterrence Act ( ITADA ), mandates that upon being informed of a potential identity theft, CRAs must take immediate and appropriate action. The CRAs must either remove or block any fraudulent information from the report. By not adhering to these guidelines, the CRAs have failed in their statutory duty to protect consumers like myself. 

I am demanding that the CRAs immediately remove all unauthorized inquiries and correct the inaccurate information on my credit report, as required by law. Their failure to do so is leaving me in a precarious situation, where I am being wrongfully treated as the person at fault, while I am, in fact, the victim of a crime. If these matters are not addressed promptly and adequately, I will have no other option but to pursue legal action, including litigation, to protect my rights and restore my credit. 

I respectfully request that you intervene on my behalf to ensure that the CRAs are held accountable for their failure to act in accordance with federal, state, and FCRA laws, as outlined above. It is imperative that I be treated as a victim of identity theft, not as someone at fault for these unauthorized actions. 

I appreciate your attention to this urgent matter and look forward to a timely and thorough resolution. Should you require any additional documentation, please do not hesitate to contact me, I am also attaching my Identity Theft Report and the letters I sent to the CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!
Product: Checking or savings account

A few weeks ago I had issues with my card being declined due to fraud detection from me making a purchase. When I tried to make payment on things I purchased it declined for the same reason and charged me and extra amount of maybe a few dollars for each amount on top of what I owed when it finally went through. I ordered a new card but had never received it and a recent withdrawal of XXXX dollars was taken from my account a few days ago when I must have dropped it. My card was shut off after that and Im still waiting to receive my new card.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I reached out to Coinbase ( via case # XXXX ) to complain of several phishing attempts from unrecognized individuals on my account. And I was advised to change my password. I changed the password and setup 2-factor authentication through phone ( via text to XXXX only ). So, each time I logged into my account, I got a token via text message that I had to input before proceeding with the login. 

Early XXXX, because I had lost over half of my funds due to the volatility of the cryptocurrencies, I converted my remaining balance into dollar ( about {$4700.00} ) and left it in the account pending my next decision on what to do with it. 

In XXXX of XXXX, I logged into Coinbase and noticed that my funds were converted into bitcoin in XXXX and immediately transferred out. I reached out to Coinbase ( case # XXXX ) to complain that my funds had disappeared from my account. The initial response was that my funds were still in my account and I was advised to change my password. The case got closed. On XX/XX/XXXX, XXXX XXXX at Coinbase sent XXXX XXXX into my account for whatever reason. This did not account for my lost funds. 

On XX/XX/XXXX, I reached out to Coinbase again Case # XXXX and the response I received is this : " As per checking in our resources, we can confirm that there is no XX/XX/XXXX withdrawal on your Coinbase Pro account. '' The case ultimately got closed. 

I reached out to Coinbase on XX/XX/XXXX ( Case # XXXX ) to request for my funds and I was told that after investigation, someone accessed my account via two factor authentication sent to my email address. I never used email 2-factor authentication to access my coinbase account. All attempts to get my funds back from Coinbase has proved futile. I have sent another complaint to Conbaise via their online file and I never got a response back The disappearance of my funds is a result of their carelessness and poor protection of customers account. Coinbase needs to refund my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry on my credit report. According to the information provided in my credit report, there is an inquiry listed that I believe is inaccurate and unauthorized.