23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I applied for an " accelerate savings '' account with Citibank back in XXXX XXXX 2022 ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or XXXX  and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX  card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX XXXX XXXX department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXX XXXX they visited, because all the other places delete the footage in a stupid short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those stupid people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the 12th or 13th dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. Update : I've started working with my deputy again ( XXXX XXXX XXXX 's department ). I will not stop bothering Citibank and the government until I get the money back that I worked hard for.
Product: Debt collection

XXXX XXXX called my legal father and mother about a debt that I owe.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is an account that is fraud that went into in the collection which was closed on XX/XX/XXXX, which I had submitted documentation on XX/XX/XXXX and submitted another documentation on XX/XX/XXXX. I called Equifax to have them look into it to do in a thoroughly investigation about the Fraud account that was in my report, I sent Equifax FTC report XXXX times which they refused to remove it because of their claiming that the debt was mines. I asked them. How did they validate it? How is it active because XXXX of the CRA collection agency had a different date which XXXX Date the close account was XX/XX/XXXX versus the one that they have on Equifax was XX/XX/XXXX which both of the months do not match up I repeatedly call Equifax to let them know to remove it. They refuse to remove it XXXX XXXX when I provided them with that they refused to remove it after the 14 days was up. They still keep the account on my report after I had asked him several times to remove the account and I had talked to a guy by the name of XXXX, which he hung the phone in my ear I called back again and spoke to another young man by the name of XXXX XXXX was being very gentle with the conversation that we had over the phone then XXXX refused to remove because they were saying that they have to do a investigation. It will take up to 30 days. I told him that I already sent the FTC report on XX/XX/XXXX which 14 days was up from that date which they still refused to remove that account off my report account number is XXXX with credit Acceptance. So this is my third time sent and FTC report to them with all the documentation that I sent off I sent the new FTC report to them today and I have someone to sign it and send me back the original receipt which they will get it by the XXXX of this month.
Product: Debt collection

I'm not contracted with the collection company in any way or obligated to pay off the remaining balance as the debt was sold to them from the original creditor. There is no binding contract between me and the collection agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to purchase a service, was asked by the seller to send payment through XXXX, totaling {$300.00}. 

The seller never delivered the service and refused to respond to me when I reached out. 

I filed a dispute with my Bank, Capital One 360. They then denied the dispute, citing XXXX 's terms and conditions which I was un-aware of and did not agree to. 

I was scammed by the seller so the bank and/or XXXX should do something about it.
Product: Money transfer, virtual currency, or money service

I contact someone on XXXX to buy their ticket concert and after I send them the money they refuse to transfer the ticket and block me. And I wanted to dispute the payment but the company said I cant since it an authorized transaction but it was a scam so I need help with report and recovery of my fund. it was XXXX $ and then XXXX $ so XXXX $ in total
Product: Credit card or prepaid card

I no longer wanted to deal with a merchant with whom I had a terrible experience. Unfortunately, while doing business with her, I gave her a preauthorization to charge my card on XXXX, XXXX and XX/XX/XXXX. I decided to end the business relationship and paid all money owed to the vendor on XX/XX/XXXX. This unscrupulous vendor was angry that I was discontinuing her services and insisted that she was going to charge my card on XX/XX/XXXX. Knowing this, I called Chase and asked for any charges to this merchant to be declined. Instead, they disputed a valid transaction with the merchant, which caused me more problems - including her consulting a lawyer, additional atop payment charges and further harassment. I called Chase again and they assured me that the charge on XX/XX/XXXX would not go through and I was so nervous about it, that I changed my card. The charge did not go through on XX/XX/XXXX, but did go through again on XX/XX/XXXX and the merchant charged me {$290.00} and undoubtedly will try again in XXXX and again in XXXX to make up for not getting money in XXXX. 

After submitting the dispute online on XX/XX/XXXX, I got a message that I had to call the bank about the dispute. When I spoke to a customer service rep, and explained how frustrated I was, he explained that no one stopped additional future charges from this vendor. Unfortunately, the reception was very bad and I didnt understand all that he said and the call got cut off. I dont understand what is unclear about stopping future transactions from a merchant - especially after explaining what a horrible experience I had with the vendor. I had to call four times to make sure charges from this merchant would not be paid. 

Now the bank has to dispute the charge with the same vendor who will stop at nothing to get money not owed to her. 

I am a bank XXXX XXXXr and this customer experience leaves a lot to be desired. No one should have to go through this kind of experience with a vendor and having to chase the bank further adds salt to the wound.
Product: Student loan

Hello, My name is XXXX XXXX and I completed a program through the XXXX XXXX XX/XX/XXXX I believe. It was a loan rehabilitation program to remove penalties from my defaulted loans and bring them current. After finishing the program my loans were sent to Navient and they settled on {$84.00} per month. I had been making payments then all of a sudden the loans were sold and I have no idea where they are. I was still paying through Navient but that is NOT who these funds were being dispersed to. 
Unfortunately a substantial amount of time has passed. I sent a previous complaint in XX/XX/XXXX stating that I could not reach anyone from XXXX XXXX now Navient. I was always routed to a collection agency, even though I have been paying on XXXX loan consistently since XX/XX/XXXX. XXXX XXXX responded admitting to this action taking place. The Case Number is XXXX. 
I was unable to contact anyone about where the loans were sold to. I received no correspondence. I even reached out to student aid.gov and they said that they can not help me as they do not handle these things but I can contact my lender. This was very unhelpful because a ) my loans had been sold b ) XXXX XXXX/Navient was routing all calls to creditors c ) you ca n't handle this issue but you can take my money. 
This has been a grueling process over the last 5 years and it 's a huge maze and circular. 
I have also recently found out that Navient has stooped applying my $ XXXX monthly payment to my {$1700.00} loan that I have been paying since XX/XX/XXXX. I am almost done paying it off and they have taken it upon themselves to appropriate the funds elsewhere without my permission. 
At this point this needs to be sent my state Senator and Attorney General. 
Thank You So Much for Your Help, XXXX XXXX
Product: Debt collection

Auto Pronto, ( AP Auto Finance ) on XXXX XX/XX/2021, contacted my in law, - who is not a authorized on the auto account And stated, that they were trying to collect a debt, and in said conversation, decided to let her know, if I didn't bring the vehicle in question back to them, I would be charged with Hindering a Secured Creditor, in the State of Texas. 

In doing such, I feel my rights were violated, as my in laws and I aren't really the best of allies at the moment, and has created all kinds of drama. This has also put stress on a medical condition I have as, I have XXXX induced by XXXX. Doing so, has also caused XXXX  and embarrassing XXXX  on my marriage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Account name : XXXX XXXX XXXX  Account # XXXX Address XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  Experian To Whom It May Concern : This letter is in response to your recent claim regarding " Account name : XXXX XXXX XXXX  Account # XXXX '' which you claim is in collections with a status of Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection  department and a balance of {$2100.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compli-ance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag-es per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not lim-ited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Last 4 of SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXX : {$6300.00}.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit card

I went to Wellsfargo to open business checking account and was told by the accounts executive that the system has offered to open a credit card which has 0 % APR for XXXX billing cycles.So I agreed to apply. After XXXX billing cycles I saw finance charge and called the XXXX # and was told that it was only for XXXX billing cycles. I discussed above details and send me the account opening documents and was never provided with those till date. On multiple calls afterwards I was told they do n't have any such opening document and the XXXX billing insert has the 0 % APR info. Now I have been charged a total of {$160.00} in finance charges and even if they want to refund any they are looking at the least finance charge and would refund half of it. Still no info on the opening documents. I have a lot of accounts with WellsFargo and Credit Card is the only department I have issues with and this is the XXXX time with a XXXX business ( XXXX issue was different ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX Subject : Formal Dispute of Incorrect Credit Report Entry ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ACCOUNT : XXXX  ACCOUNT # : XXXX To Whom It May Concern : I am writing to follow up on my previous disputes regarding the account listed above, which continues to be reported inaccurately on my credit report. Despite my initial disputes on XX/XX/XXXX and subsequent follow-up on XX/XX/XXXX, the reported information remains incorrect. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. After reviewing my records and the responses provided, I remain unconvinced that adequate steps have been taken to verify the accuracy of this account. 

Specifically, I am disputing the following inaccuracies : PAYMENT HISTORY Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not be due to it charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations.

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 
XXXXXXXX XXXX XXXX  WAS PREVIOUS REPORTING AS XXXX XXXX XXXX, I HAVE NEVER HAD ANY CONTRACT WITH EITHER COMPANIES. I HAVE SEEN SEVERAL CHANGES MADE ON MY REPORT REGARDING THIS COMPANY. ACCOUNT WAS ONCE REMOVED AND NOW REAAPEARED. YOUR COMPANY IS NOT DOING ITS DUE DELIGENCE AND I WILL SEEK LEGAL ACTIONS AGAINST YOUR COMPANY. 
XXXX HAS BEEN DELETED FROM MY XXXX AND XXXX THEREFORE YOUR COMPANY SHOULD HAVE REMOVED THIS FROM MY REPORT. SEVERAL CHANGES HAS BEEN MADE ON MY REPORT REGARDING ACCOUNT. I HAVE NO CONTRACT WITH THIS COMPANY AND HAS BEEN REPORTING WRONG INFORMATION SINCE XXXX. I WILL SEEK LEGAL ACTIONS IF THE ACCOUNT IS NOT REMOVED. 
Thank you for your attention to this matter. I look forward to your prompt response. 

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

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX  IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports