23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi Credit Card has lied to me. The company has allowed payments to occour on my account after specifically telling me they would not allow any charges to be made to a closed credit card. 
The issues occurred when in XXXX, I called and asked them to stop all transactions on my account and informed them that I had locked my account but was still having charges showing up. A Citi representative had informed me that this is due to it being a reoccurring charge and that Citi, would automatically allow these charges to go through. I also received an email telling me this as well. I asked to have these stopped to which he said he would cancel my card, and issue me a new one so that this would no longer happen. 
On XX/XX/XXXX, a charge in the amount of {$1100.00} was made to my closed account. This was one of two reoccurring charges that had been happening the other was a cellphone bill that did not ever show up again. The one in question is to a company that handles payments for housing rentals. I called and asked to make sure this would not happen again. They assured me that it would not and again cancelled my closed card and reissued me a new one. 
XX/XX/XXXX, Citi card again, allowed a charge the closed and locked credit card that I, again did not give out information on. The charge this time was for XXXX to a name of XXXX XXXX XXXX GEORGIA. A phone call to the credit card company again proved frustrating. They had not allowed the reoccurring cellphone bill to be processed but instead provided payment, on my behalf, to another company and could only apologize and say they would issue me another credit card. I filed a dispute for the two charges. 
XXXX came and no more charges showed up on my, still locked credit card. I contacted them again to confirm my card was not to be charged. None were again, and I filed a dispute online. Later in the month, we spoke on the phone. The company asked if I had ever done business with them. I told them not directly but a second authorized user had and that it was irrelevant because the cards were closed and locked and I was specifically told that they would not allow any reoccurring charges to be made in the future. My cards had remained locked and all new cards in my possession. I asked them to verify that all the cards were locked each time they authorized payment and check the voice records of the representatives telling me no futher charges would be made to my account. Today I logged onto the app and see that the disputes have been settled. They denied my claim. They lied to me and are extorting me. They gave out money they are now charging me for after telling me they would not allow any payments on my behalf. 
To add to this, the payment amounts have been fluctuating and I had not caught an allowed payment prior to this while my card was locked that I did not dispute though I am dismayed it was allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Comments : Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Charge XXXX XXXX XXXX XXXX Balance : {$700.00} Status : Collection/Chargeoff , Late 120 Days XXXX XXXX XXXX XXXX Balance : {$130.00} Status : Collection/Chargeoff, Late 120 Days Comments : Account seriously past due date/account assigned to collection agency, Collection account 15 U.S.C. 1681 section 602 A : States I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section 2 : States no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years. 

15 U.S.C. 1681c ( A ) ( 1 ) a person shall not furnish any information relating to any consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over XXXX  days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.
Product: Credit reporting or other personal consumer reports

I am currently in a XXXX XXXX  and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my Trans Union credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Private SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from XXXX XXXX {$6000.00} # XXXX opened XXXX, XXXX XXXX {$1500.00} # XXXX opened XXXX, XXXX XXXX {$2200.00} # XXXX opened XXXX, XXXX XXXX XXXX {$2100.00} # XXXX opened XXXX .... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Money transfer, virtual currency, or money service

This is regarding the federal lawsuit against cash app for misleading account holders that there was ongoing XXXX hour live customer service. This service was discontinued when employees stole and sold customers information yet cashapp never disclosed that there wasnt live customer service support to address consumers concerns.
Product: Credit card or prepaid card

USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Initially, a theft with a duplicate number disputed my entire balance and I had to fix this error. They lied to American Express by pretending that they were me over the phone. Might I add that I had Amex since completing college. These hackers are evading all of my credit cards. They are trying to ruin my life because of jealousy. They are hacking several cards and making fraudulent charges. I like using American Express. I, never, only had {$7.00} to utilize. 


Anyway, this particular month I paid {$40.00}. I was only given {$7.00} to use. The ceo allowed someone to steal almost {$40.00} in credit. If you calculate my balance last statement and the amount that I paid, I should have had at least {$20.00} to spend. I contacted XXXX and the payment that posted from Amex was rejected. I had to pay with a different XXXX card. 


These criminals are dangerous. They are hacking my banking accounts and credit cards with a duplicate number and these CEOs are protecting them. I lost about {$20.00} in credit. This is occurring with many of my credit cards. I need to have these people blocked from accessing my accounts and credit cards. How do I prevent hackers from making purchases on my account. I have a XXXX  and other health problems I dont need the stress. 










Sent from XXXX  Mail on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my 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 creditor. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX
Product: Debt collection

I am trying to get the original signed documents from the original creditor for validation that the debt belongs to me as I have no knowledge of the account portfolio recovery says that they purchased.
Product: Credit reporting or other personal consumer reports

This account no longer belongs to this creditor and has been paid in full through a 3rd party collection. This company XXXX no longer owns this debt and is reporting it illegally on my report without my consent and against my assumed and copyrighted names. The dates last active are wrong too and should be removed from my consumer report immediately for accuracy being less than 100 %. The use of my name without my express written consent because of the assumed name certificate and the copyright is considered Identity Theft. Documents provided for MY NAME! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2800.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
The unpaid balance was reported as a loss by credit grantor. 
Date Last Active : XXXX XXXX Date of Last Payment : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 to USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I signed up for a Chase Freedom Unlimited credit card yesterday which offered a free balance transfer. I was approved, but my balance transfer was declined due to the transfer balance being from an existing Chase Sapphire Reserved credit card. Chase will not allow balance transfers from existing accounts with them. However, this is not stated anywhere on the application for the Chase Freedom Unlimited card. If I had known, I would not have applied for this card. I have canceled the card, but now I have a hard inquiry and closed account on my credit history.
Product: Mortgage

Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.
Product: Student loan

Greetings, I have a Parent Plus Direct Consolidated Loan in an IDR repayment plan. 
I was attempting to put it into a SAVE Repayment Plan to obtain the lower discretionary income basis for repayment and the 10 Year forgiveness. 

I had 2 Parent Plus Loan I consolidated in XXXX into a Parent Plus Direct Consolidated Loan. The original loans started repayment in XXXX. 

I asked the current servicer, XXXX to enter me into the SAVE Plan. They said they could not because they were Parent Pilus Loans. 

Emails from the CFPB, Federal Student Ed, and other Student Loan resources said that if I re-consolidated 2 more-times before XX/XX/XXXX, I could be entered into the SAVE Plan. 

I tried to do the first Direct Loan Consolidation with Aidvantage, and then I would do one more with XXXX to be able to enter the SAVE Program.

After applying to AidVantage for the first re-direct consolidation, they denied me.

They said I can not do more than one Direct Consolidation.

They said that I may be able to ask the original servicer that consolidated the loans in XXXX to split them up, which would take a long time and they weren't sure it was possible. 

So, my question to the CFPB is, am I entitled to enter into the SAVE Plan and how can I enter the SAVE Repayment Plan with a Parent Plus Direct Consolidated Loan before XX/XX/XXXX? 

Thank you!
Product: Student loan

I started being garnished from allied for my student loans I was never notified by them nor my employer that this was happening until I recived my check stub and noticed this, I have spent countless hours on the phone with them due to I should have been exempt from this happening, my employer stated they needed something from them, they stated they needed something from my employer, in an attempt to call once again the lady I spoke with at allied stated my account was closed with them on XXXX XXXX and refused to give me any information on when the last papyment was recived or how much they collected, my checks are still being garnished from this company, they refered me to XXXX, and tbey refered me to another company ... So this company did not notify me of any garnishment to begin with so I did not have the appropriate time to fill out the paperwork I needed to to avoid garnishment but is also still collecting money for an account they dont have? I just want more information and tge money ive paid to be reimbursed or something, I dont know how a company can request money with oit notification let alone still vollect it from my payroll if they dont have an account for me!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following account XXXX XXXX XXXX XXXX XXXX inaccurate. TransUnion reported the account closed on XX/XX/2022 with a balance increased of {$1000.00}, which was inaccurate. On XX/XX/2022 I called and spoke to TransUnion over the phone about the inaccurate reporting and to remove XXXX XXXX XXXX XXXX from my report, once I got off the phone TransUnion Reopened the account on XX/XX/2022 same day. I called Transunion back the very next day on XX/XX/2022 and stated the inaccuracy & errors they have made a was told by a representative that they removed the following account XXXX XXXXXXXX Auto Finance XXXX. On XX/XX/2022 TransUnion closed the account XXXX XXXX XXXX XXXX XXXX once again. The payment history TransUnion is reporting for this account is missing, the last day active, the last time reported, high credit balance, & the date reported as opened are all incorrect and reporting different. TransUnion has violated my consumer rights and is continuing to misreport inaccurate information to my report. I have enclosed all documents of proof of all their errors along with my most recent TransUnion report and ID. This is Fraudulent and violation of the FCRA. My rights to privacy has been violated from TransUnion.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2019 I cancelled a transaction on Paypal and authorized a refund. On the same day, Paypal received {$580.00} from me. All of this is confirmed in Paypal 's own records. Paypal never sent the refund, and kept the money instead. I have spent more than a year trying to get Paypal to deal with this. I have spent over a year with Paypal stalling, ignoring, insulting and lying to me. They always claim ignorance and claim they can't find anything in the records about it, until I show them Paypal 's own records which confirm everything I have said. Then the wild lies start. They claim a wide variety of conflicting things, including a claim that Paypal actually has " secret '' records which are the true records, and the records provided to the customers are all false. My personal favorite lie was when the Paypal representative said they hadn't sent the refund because the person to receive the refund has " insufficient funds '' in his account ... huh? How much does he have to have in his account to receive money from me?? And the representative still didn't seem to think Paypal would need to return the money to me in that case. The point is : Paypal will take your money, and keep it. And then refuse to return it ... no matter how much proof there is.