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

I made a payment on XX/XX/XXXX of {$1000.00} towards a credit card bill from Citi Bank. This payment cleared my bank account ; however, the credit was not posted to my Citi Bank credit card account. I called to check why, because it should be immediately available or at the latest 3 days. I was informed on the phone that the payment was under review, even though it was coming from an account with my name on it, and the payment would not be able to be made available until XX/XX/XXXX. That is an extremely long time for a payment to clear. They said I could call my bank where the funds were sent from to verify they cleared. I agreed to do this, and the funds were verified, and Citi Bank removed the hold/review and credited me the {$1000.00} ( XX/XX/XXXX ). I understand this happened because of the reasons they provided then, which were because the account was new and it was a large payment. I think this is rediculous but I thanked them and went on with my day. 

Today, XX/XX/XXXX, The exact same thing happened with my recent payment of {$1400.00} on XX/XX/XXXX, and it cleared my bank on XX/XX/XXXX. This was from the exact same checking account to the exact same credit card I have with Citi bank. They flagged the payment again, citing the same reason. This time I asked to speak to a supervisor when I informed them of my issue because, at this point, there was some discrimination that had to be the basis of this. The first agent I spoke to would not allow me to speak to a supervisor after going backward and forward with him, asking XXXX times to speak to a supervisor. She informed me that the payment was under review and would not be released until XX/XX/XXXX after the review. The same thing happened with the second agent, but this time after asking XXXX times, he mentioned if I would like to just speak to someone in the XXXX. I said yes. I finally get to speak to a regular agent in the XXXX and informed her that she would not be able to help me in the way I needed to be helped. So I asked her for a supervisor, and she immediately connected me with XXXX. I explained both situations and the horrendous experience with the first XXXX representatives in another country. The supervisor provided me with the same reason as before as to why the payment was flagged. I asked if I could get some documentation regarding the reason why this keeps happening, and she insisted she couldn't and that she would only be able to send a confirmation email. We proceeded to call my bank where the payment came from, the bank verified it again, and she credited my account. 

I really think that Citi Bank is racially profiling me, in addition to discriminating against my previous credit history. There are probably other discriminatory reasons as well, but this has to stop. Every payment I make to pay my balance off each month should not be flagged as me fraudulently making payments from my own checking account.
Product: Debt collection

They send me an email every day trying to collect for a very long time now, since XX/XX/.
Product: Debt collection

This complaint is the third complaint filed against Plusfour , Inc. for illegal collection activity in the State of Florida. In the previous complaint XXXX, Plusfour submitted an illegally modified E-Oscar report from Transunion. In the report, Plusfour modified my current address to reflect a Nevada address in place of my Florida address. They illegally modified this document because Plusfour is restricted from conducting collection activity in the State of Florida by the Florida Attorney General and the Florida Office of Financial Regulation. I have attached a copy of the legal order from the State of Florida. I have also attached a copy of my current XXXX credit report dated XXXX reflecting my Florida address. Plusfour is fully aware that they are operating illegally in the State of Florida. I have filed a formal complaint with the Florida Attorney General and Florida XXXXffice of Financial Regulation requesting an investigation of XXXX and their illegal collection activity.
Product: Debt collection

Keep getting collection letters for NY XXXX magazine I never ever had or subscribed to.. by collector called XXXX XXXX XXXX XXXX " NORTH SHORE AGENCY '' - XXXX. When you call there is no answer, just " click here to pay '' ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Multiple attempts to restructure, forbear or otherwise decrease the loan and payments. My loans date back to XXXX, when I borrowed a total of {$25000.00} dollars. When the housing bubble and then the teck bubble burst, my husband lost work. Many time I had to go into forbearance. I only earned about $ 16/hour but was never offered any other option. In XX/XX/XXXX I begged for any options to help with the loan. I was told they could check on forbearance. It was denied on XXXX stating that I had, " already used the maximum time allowed for a forbearance. '' Since then I have struggled to make payment, knowing that I had no other options. Now I lean that I had many options. My average income, using line XXXX form my tax forms, was {$28000.00} which places me into or near the 150 % of poverty level mark. Despite this I have never been offered, nor when I asked was I informed, about payment options other than forbearance. In light of the recent litigation against Navient, I believe that I am one of the people who has been harmed by their practices.
Product: Credit reporting or other personal consumer reports

Equifax lowered my FICO score.I filed a compliant with CFPB. For some reason this company can't seem to fix its mistakes. The claimed to have a coding issue. Okay fine. What changed because of it : My FICO score. So, put my FICO score back to at least XXXX. Did they do that? No.
Product: Credit reporting, credit repair services, or other personal consumer reports

After trying in vain by telephone and on-line to prevail upon Experian to implement a security freeze, on XXXX XXXX XXXX my wife and I sent separate letters ( certified mail ) to Experian requesting the freeze. Each letter contained all of the information and documentation Experian 's web site says is required. I received a response dated XXXX XXXX XXXX XXXX Experian Report XXXX. XXXX ), refusing my request because I had n't paid a fee, notwithstanding that our letters and documentation clearly showed that both my wife and I are in our XXXX and exempt from the fees. Experian failed to respond to my wife 's letter. On XXXX XXXX XXXX, my wife and I sent a letter ( certified mail ) to Experian, reiterating our requests and referring them to the information contained in our earlier letters. On XXXX XXXX XXXX, Experian responded to my wife and me individually ( Exp. XXXX XXXX. XXXX and XXXX, respectively ) saying that they were unable to honor our requests because we failed to provide sufficient information for them to verify our identity. I should note that we had no trouble getting XXXX and XXXX to implement the requested freezes. I am astounded at the incompetence demonstrated by Experian and hope CFPB can help us.
Product: Credit card

I sent over the proper forms for Synchrony Bank ( Paypal Credit ) to put my account into involuntary unemployment insurance. 

They lost the paperwork the first time, and it seems like the 2nd time they haven't implemented the necessary information. This is a simple matter complicated by Synchrony, they have all the information they need.
Product: Debt collection

I do not want to recieve calls from this company. They have repeatedly called me after XXXX at night. I have no idea what it is in reference to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being sued for a debt on a XXXX / XXXX XXXX credit card. it is being reporting on credit bureaus as XXXX account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past XXXX yrs neither XXXX XXXX or XXXX XXXX were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, Experian XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to XXXX XXXX requesting information on this account and have not heard from them.
Product: Checking or savings account

I am a Bank of America account holder. I hold a joint account with my husband. 

XXXX. XXXX years ago, myhusband had a debit card linked to the joint account. It was never used ( as you can see in the acct history ) - it was removed from the mail, activated, locked, and placed directly into a safe no one has access to. The card was hacked. We got an alert that a charge was pending for the card and immediately called Bank of America to have the card reported/cancelled. I inquired howa card that has never been used would be hacked, they named various possibilities, to include someone in the home breaking into the safe and selling the card number. Living in my home, I knew this was a Bank of America security issue. 

XXXX. XXXX year ago, the same exact thing happened. His replacement debit card, which was never used, locked, and placed immediately in a safe was hacked ( by a fake merchant posing with a name link XXXX ). Again, there is no way anyone outside of Bank of America could have this card number. Again, I inquired how a card that has never been used could be hacked and the BoA associate again directed me to think about my home and how this could be occurring- including blaming my husband and insinuating he was doing this without my knowledge and also asked if we know any XXXX XXXXXXXX. This week, the same exact thing happened. His 2nd replacement debit card, which was never used, locked, and placed immediately in a safe was hacked ( by a fake merchant related to XXXX testing ). Again, there is no way anyone outside of Bank of America could have known this card number. Again, I inquired, in frustration, about how this could possibly happen. The card was locked and this time, the charge even went through- it officially POSTED to the account, for {$1.00}. The associate told me that maybe the mailman has a card reader. This is obviously illogical because a mailman could not coincidentally hack the XXXX cards that have never been used but never any other cards that are mailed to our house. 

We have other credit cards in the safe- none have ever been hacked except the XXXX Bank of America XXXX that NEVER has been used or has even left our home. My frustration has increased over time and especially with this most recent time, the THIRD time, when associates still will not listen that this needs to be investigated by Bank of America. This is not an issue occurring within my home. I have multiple bank accounts/cards. Never, have I ever, experienced anything like this with any other account. Based on that fact, and my statement that it has been locked in a safe and never used, I believe Bank of America, in addition to allowing the crime, does not do due diligence in investigating claims made by its customers.
Product: Consumer Loan

In late XXXX of 2016 I was asked by a professional contact to co-sign a car loan with him. I spoke to the salesperson who explained that I would be the co-signer, that I could remove myself from the loan at any time and that I was not responsible for any payments. I agreed to help my friend and the loan papers were drawn up. The salesperson met me at a XXXX 's to sign the paperwork. I am listed as the lead signer on the paperwork. This " friend '' has only made XXXX full payments, the rest have been made by me. He is hiding from me ( blocked calls/Facebook access ) and the finance company, has moved both work and home locations. I believe there was intent to deceive me from the beginning of this transaction and I also have come to recognize that there were errors made that should have invalidated this loan. First : I am not on the title to the car. The dealership does not show me as being a rightful owner of this asset, yet I 'm the only XXXX making payments. Second : The address that is listed under my name does not match my address. It was the original address of the co-signer, but even he does n't live there. Third : The salesperson did not go over any terms of the loan with me, did not tell me how to make payments, and in having the improper address I did n't find out about payment dates, etc. until the second payment was late and I received a call from the finance company. 
I am now making payments on an asset that I have no rights to collect, and am doing so on a loan that is fraudulent. 

I have attached a copy of the title received from the finance company ; an electronic version of the statement showing an improper address for me ( notice my name, NOT his ) ; and some proof of payments ; I may have missed a payment proof but would be able to get that from my bank account.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

Experian Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX ( Inquiry Date XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete. 
accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( 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 ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( CAPITAL ONE ), of such dispute, the agency ( CAPITAL ONE ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), 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.
Product: Credit card or prepaid card

XXXX Amex ... ..Delta skymiles XXXX XXXX I was a regular AMEX XXXX customer for several years paying my accounts monthly on time. I received a note saying my card was going be non renewed or canceled because I disputed several small charges which were within my rights regarding XXXX  cancellation charges for {$5.00} or less which XXXX reversed with no problem. Despite this, apparently because it was not profitable to Amex they canceled my card. This is outrageous abusive conduct. They added on needless charges to spite me. Incredibly enough, a senior regional manager from their Florida center said they were dumbfounded why the card was cancelled as I was an excellent customer. This appeared to be a power play by some lower-level individual. Even worse, they submitted an adverse credit report regarding me to the credit bureaus adversely affecting my credit scores. The only way to deal with such abusive conduct is to investigate and severely discipline them.
Product: Debt collection

A XXXX XXXX called between XXXX XXXX on Tuesday of XX/XX/XXXX. She said I have 3 counts against me and that I will need the amount of {$6000.00} for bond or spend time in jail until my court hearing and if ca n't pay spend up to 2 years in prison. 
The three counts are 1. intent to defraud, 2. thief of use weapon or something like that, 3. larceny by check. 
The company name is XXXX XXXX, check was supposedly written back in XX/XX/XXXX for the amount of {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - XXXX Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX
Product: Checking or savings account

Opened CD with XXXX XXXX XXXX for {$1000.00} on XX/XX/year>XXXX XXXX XXXX was bought by XXXX XXXX XXXX XXXX states they sold the CD. Which XXXX claims is now held by NY Mellon bank. Contacted NY Mellon customer service at ( XXXX ) XXXX on XXXX. They stated I am not a customer of theirs and would not help me. Which I have no accounts with Mellon. The CD was held as collateral by the XXXX of XXXX and was released on XXXX by the XXXX. I was never notified of the sale or transfer of the CD. I am trying to cash it in. Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice that PNC had flagged my account for a payment being 30 days late. Here is the issue, over the last 4 years I've never had a late payment. This apparently occurred because I traded in my car at XXXX XXXX on XX/XX/2018 and the dealership didn't pay off the loan for 30 days. I reached out PNC customer service to which I was told by the agent that she agreed the account was settled, had no idea why a late flag was made to the credit bureaus. However, she said there was no way she could correct it and that I had to write a letter to PNC. I wrote the letter and called the executive care team to which I was told it can't be fixed since the dealer paid the loan late. 


The other part of this situation that is considerably frustrating is that on XX/XX/2018 I received a call from PNC in which they were asking if I was making a payment this month to which I replied the vehicle was traded in on XX/XX/2018 to which she replied she would make a note. She did not mention anything in regards to sending a note to the credit bureau for a late payment. I would have made the payment over the phone and just waited for PNC to refund me the overage. 

In the end, I just want my credit report fixed. I have never had a late payment on my report my entire life. This late payment has dropped my credit from a XXXX to a XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I transferred my balance to another account. On XX/XX/XXXX I noticed I still had a balance. So that day I called XXXX XXXX and they said I had to pay {$45.00} for left over interest and to close the account. I payed the {$45.00} on XX/XX/XXXX. They reassured me the account would be closed following this payment. Now XX/XX/XXXX, I received an email that my XXXX  Account statement is ready. I logged into my XXXX XXXX account and it says I owe {$5.00}. This means my account was never closed and their still charging interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.