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

I have made a transaction of {$8000.00} on XX/XX/XXXX using Citibank online banking with option 'Add funds ' where I have put my XXXX by XXXX XXXX bank XXXX account credential to withdraw amount from this saving account. The amount {$8000.00} has been debited from XXXX XXXX account on XX/XX/XXXX but the amount is not credited back to my Citibank checking account. 
I got an email from Citibank on XX/XX/XXXX that the transaction has been failed and the money will be credited back to my saving account within XXXX business days. Its been more than XXXX weeks now but I haven't received the money back to my XXXX XXXX account. I have called XXXX XXXX and Citibank customer cares for more than XXXX calls ( every XXXX days XXXX and every time I get response that this will be resolved within XXXX hours which is not done yet. 
XXXX XXXX bank representative says that since you authorized this transaction so the fund was released so need to check with Citibank. When I call Citibank, they say the fund was not released by XXXX XXXX so need to check with them only. 
In order to resolve this I conferenced them together ( XXXX bank representative and Citibank representative XXXX on call on XX/XX/XXXX and that time XXXX from Citibank said that the problem is with Citibank and we will resolve it from Citibank side but this is not resolved yet even after passing 1 month since that call. 
Since this is very big amount and I am not sure where is my money so I am currently depressed and not sure when will I get my money back. 

Request you to please ask them to return my money of {$8000.00} back. Thanks. 

XXXX, XXXX # XXXX XXXX XXXX
Product: Credit card

I applied for SKYPASS Select Visa Signature Card, provided by US Bank, in XX/XX/XXXX  through their official website. ( https : //www.skypassvisa.comXXXX XXXX XXXX XXXX XXXX XXXX  ) and received the card in early XXXX. When I applied from the website, it clearly said " Earn XXXX Bonus Miles when you spend {$5000.00} in eligible purchases within the first 90 days '' and also there was even a news release from US Bank saying the same bonus ( https : //ir.usbank.comXXXX-XXXX-skypassXXXX ) It was not a personalized offer, but a public offer accessible from anyone from the website. 

I met the {$5000.00} spending criteria in the first month, but when I got the first statement in XX/XX/, it appeared that I only got XXXX bonus miles. On the statement, it says " XXXX Bonus Miles with {$3000.00} Spend ''. Not only the bonus miles, but also the spending criteria was incorrect. It was a totally different offer than what was advertised. 

Since then, I called them several times to fix the issue ( and at least to understand what exactly happened here ) and their response was always the same ; That's the offer you got and it could be different than what's advertised. It was very disappointing to hear that and nobody provided me WHY suddenly my offer was changed without any notice. I even felt like myself being a victim of scam.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate unfreezing of my credit file. SEE ATTACHED DOCUMENT
Product: Debt collection

I had a government loan for school ( several ) one of which they were trying to collect for a school that I did not attend and they did not have a signed promissory note for. I consolidated my loans in XX/XX/2016 and they were paid by XXXX. then they decided to take the loan out of consolidation and send it to collections. The federal student loan informed me via phone that they are aware of their mistake and that they would fix it as soon as possible. they even sent me a letter that states that i was not in default and that i did not owe them money. This was also needed as i was purchasing a home and would have an FHA loan. they corrected it. Only then to reverse it and put it back to collections again and then they also proceeded to garnish my wages ( to date in the amount of {$4000.00} ) and still reported to the credit bureau that I was in default. XXXX confirmed that they have already paid that debt. the federal student loan also refunded me 2 checks of refund that they have garnished from me ( the first 2 payments ). They keep telling me that they are " sorry for the inconvenience '' but as of today if they don't correct this issue my Home loan company is threatening to reverse the loan as it is a government loan and they do not approve people who are in default on another government loan. I NEED HELP TO FIX THIS ISSUE STAT. this has been months and months of a nightmare. also when i asked for the promissory note for the school that I did not attend they mailed me a copy with my name typed in the signature box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the three major credit bureaus to verify info and delete. All three credit bureaus, Experian, XXXX, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.
Product: Debt collection

I also want to point out the fact that ive never given any of these companies the right to have my information which is totally illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Experian and XXXX has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - Experian and XXXX  assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give Experian permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. Experian and XXXX was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - Experian and XXXX assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo will not permit me to make a payment on my credit card so that they can charge me interest on the unpaid amount.
Product: Credit reporting or other personal consumer reports

Items on my credit profile were not properly investigated throughly. The hard inquiries and charge off/collections are impacting my credit file and are inaccurate.
Product: Debt or credit management

XX/XX/2024 I did some online shopping with a clothing company. The total paid was {$51.00}. The package was suppose to arrive 3-5 business days. XX/XX/2024 I reached out due to not receiving my package. I then realized that this company was not real. I sent in the proof of evidence to credit karma. A dispute was file. I reached back out to credit karma today and they told me the reason I didnt get a refund is because the merchant has to confirm if they were scammers or not. Why would a scammer reach out???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a credit issue related to my Truist Mortgage Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, Truist issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by Truist 's payment system, causing two delinquent payments- one in XXXX and XXXX in XXXX of 2023 - for the amount of {$2400.00}. 

Despite Truist 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, transunion, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Product: Checking or savings account

I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited.
Product: Debt collection

I have as many as ( 3 ) accounts with false information on my credit reports. On Equifax, it still shows that my account with XXXX XXXX XXXX is unpaid. I got a paid in full letter from them last year stating that it was a paid in full account ( as of XX/XX/2019 ). This may or may not be on XXXX  ( I do not have an account with them ). There was also a bill from XXXX that I also paid in full in XX/XX/2019. I was also under the assumption that a collection bill from XXXX XXXX XXXX that should not have been on my credit report had been removed in XX/XX/2019 when I disputed it. According to XXXX, who I applied for a Credit Card with, it is still on my Equifax Credit Report. It wasn't showing when I logged in to view my credit report, but the fact that XXXX XXXX XXXX may not have done their due diligence to remove it, or that Equifax is still reporting this is damaging my credit score unnecessarily.
Product: Checking or savings account

XX/XX/XXXX, XXXX of XXXX I was charged Overdraft fee if {$35.00} each. 
All were ATM transactions. 
Deposit total from XXXX and XX/XX/XXXX was {$910.00}. 
Bank of America manipulated my checking to charge these fees. 
I disputed at the time and got no where. 
Total fees were {$170.00} I didn't have overdraft protection at all. 
They closed my account XX/XX/XXXX Put me in XXXX XXXX saying account abuse.
Product: Debt collection

I was served notice on XX/XX/XXXX regarding a debt held by XXXX XXXX, XXXX in the amount of {$8700.00}. Their attorneys are Kirschenbaum & Phillips, P.C. They contacted by me phone in XXXX regarding this debt. I called to discuss this debt as it dates back to XXXX with XXXX XXXX and this debt and all my debts were XXXX with my XX/XX/XXXX bankruptcy filing in XXXX. During my phone conversation they told me they have no record of this filing and when I told them the statute of limitations has expired they told me there was no statute of limitations regarding consumer debt. They have filed a complaint in the city of XXXX XXXX, NY and they had filed the same complaint in XXXX. 

I faxed Kirschenbaum & Phillips, P.C a copy of my XXXX discharge in XXXX after my conversation with them. 

This is harassment and I need them to stop.
Product: Debt collection

On XX/XX/22 the company refused to allow me access to my account or to make a payment online. I tried resolving this issue and they refused to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID type : State ID ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 

Bank : 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 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer Report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681section 6 o 4a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding late payments reported on my credit record. Upon examining my credit report, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response, nor has adequate validation been provided. I am seeking your immediate assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged off my account and subsequently sold the debt to a third-party debt collector for less than the full balance owed. According to credit reporting laws, once a debt is sold to a third-party collector, XXXX XXXX no longer has a right to report this account as an active collection under their name. However, they continue to report the charge-off on my credit report while also allowing a third-party collector to report the same debt, creating duplicate negative reporting.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy of the information they report. Since XXXX XXXX has sold the debt and no longer owns it, they are not permitted to continue reporting it as an active collection on my credit file. This inaccurate reporting is damaging my creditworthiness and violates my rights under federal law. 

I request the following actions : An immediate investigation into XXXX XXXX reporting practices regarding this account. 

The removal of XXXX XXXX  charge-off from my credit report since they no longer own the debt. 

Assurance that no duplicate reporting exists between XXXX XXXX and the third-party debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have done everything to get credit on track we pay down credit cards pay loans on time remove major debt and yet credit scores stay same or do major 30pt drops with no explanation other than old issues that score have raised since. the credit system is biased against us as young XXXX couple that have only had 4 blips one 12 years minor incidents no late mortgages or auto. I know XXXX  couples who have filed bankruptcy and still have 700+ scores. something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding collection with Alliant Credit Union. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy address shown on report I never live there. Wrong information