23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/21 : Multiple calls to my employer from XXXX stating they are attempting to serve me paperwork at my place of employment. Gave me an XXXX to contact for further information. Contacted the individual so called XXXX XXXX from XXXX XXXX XXXX? Claimed he was a legal administrator trying to collect a debt for {$550.00} for an indigo mastercard. Explained I have never owned such a card and he became abusive stating to take it up with judge. Refused to give me information re debt and hung up on me. I called back asking he give me the correct spelling of name, work place, address. States he is not interested in being my penpal and hung up on me. I called back again and asked for business name, state and city license number. Stated he would only give it to an attorney and asked that I quit wasting my time and his and hung up on me. I called back and stated I have the right to self represent in court of law. He said see you in court and hung up. At this point I have no idea what company I am dealing with, the legitimacy of the debt, nor how to move forward since I have only been threatened of being served at my place of work and have not. Meanwhile, I have found a {$300.00} debt on my credit report and have disputed the account. Please help
Product: Debt collection

15 USC 1692e - False or misleading. Failure provide validation and verification of purchase agreement and ownership of debt. 
15 USC 1692g - Failure to provide debt validation. 
XXXX XXXX XXXX not licensed in WA state and therefore is illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to allow Lincoln Tech to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with Lincoln Tech and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.
Product: Checking or savings account

I have twice asked for inquiry about two debit card purchase on my checking acct statements. Both requests for reimbursement were denied and considered " non fraudulent ''. 
However, the two DBT purchase were both made using XXXX XXXX transfer service. 

XXXX. XX/XX/XXXX {$53.00} XXXX. XX/XX/XXXX {$500.00} In both these transactions my wife and I can not see any way we made these debit charges, nor any goods we purchased in this way. We had used our bank debit card in travel, which we rarely do. Perhaps that was the point where our debit card # was compromised. Of course we obtained new debit cards and I even changed my pin. 

But Citizens Bank refuses to consider these charges as fraud, after two internal inquiries on their part. So we have currently lost over {$550.00}, and Citizen 's Bank could care less!
Product: Credit reporting or other personal consumer reports

Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.
Product: Credit reporting or other personal consumer reports

Reporting Transaction history is illegal 15U.S.Code1681b-Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report uder the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.They need your written consent to add any thing to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L90321 ( 82Stat.146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to are quest by the head of a State or local child support enforcement agency ( oraState or local government official authorized by the head of such anagency ) 15U.S.Code1681c Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12CFR1022.3 Definitions Identity theft means afraud committed or attempted using the identifying information of another person without authority.Anything added to your report without your written consent could be considered Identity theft 15U.S.Code1681c2-Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumeridentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The agency continue to blatanly violate these and other regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 instruction.
Product: Credit card or prepaid card

I am writing to complaint about Citibank Card not refunding the full amount for my cancelled travel tickets. I have called bank several times and have been on the call for hours and hours now but still they refuse to provide me with the refund and keep saying some one will reach out. 

OnXX/XX/2020 I booked air travel ( Trip ID : XXXX ) using Citibanks Thankyou.com redeem points. The air travel was booked for my parents to travel from XXXX to XXXX forXX/XX/2020and returning on XX/XX/2020. I paid total of XXXX thank you point and {$700.00}. Due to Covid-19, I called Citibank on XXXX, XXXX XX/XX/2020 and asked them to change the travel dates to departing XXXX  on XX/XX/2020 and returning on XX/XX/2020 I asked the representative to confirm if there will be any additional charges for the same. I was told there will be no additional charges and changes were made. Than I called Citibank on XX/XX/2020to cancel the tickets and the representative confirmed that I will be getting full refund within next 14 BDs. So I cancelled the tickets on April 14th, 2020 and they finally provided a partial refund on XX/XX/2020. They took 4 months to provide me with a partial refund. For those 4 months I was on the call with Citibank for hours. Each time I call, representative is like it will take another 2 weeks to process the refund, please gives us a call after 2 weeks. Finally I saw a refund on XX/XX/2020 for XXXX thank you points and {$700.00}. So afterXX/XX/2020, I started calling them again to find out what happened to the remaining XXXX thank you points. Finally onXX/XX/2020, I was provided with the explanation and was told they have submitted the complaint and someone should be reaching out to me. Today is XX/XX/2020 and no one has reached out yet. The explanation provided to me was when I made changes to the ticket on XX/XX/2020, the fare of the ticket at that time was less than the original fare that I had paid. So finally on XX/XX/2020, when they refunded me the fare, they actually refunded what the fare was on XX/XX/2020 ( the date I made changes ) and not the full fare which I had paid for the original booking that I made onXX/XX/2020 In all this I am not sure what happened to XXXX thank you points when I was told I will be refunded fully. This is fraud and Citibank owes me full refund of XXXX additional thank you points.
Product: Checking or savings account

I deposited a check written in another name. Bank put a hold on the account for the funds and will not release them after the check has cleared through the bank. Bank has opened a savings acct and will not release funds unless the other party comes into a branch location and endorses the check, ( which has been already done ). Other party lives outside the state and I was simply cashing a CASHIERS CHECK for her since she didn't have a bank account herself. The check has not been reported lost, stolen, etc and the longest the bank can hold the funds is 30 days. It has been over that time and the fraud department advised me there is nothing that can done to release the hold on the account. I believe this is total discrimination and I need the funds to be released asap.
Product: Debt collection

American Education Services ( AES ) is collecting student loan debt in my name that seems to have originated from a maze of student loan lenders, including XXXX XXXX XXXX XXXX. Upon tracking down the origin of the purported loan in my name, the original loan was created under false or fraudulent circumstances ( though the information is rather opaque ). It is the reason why the loan has had a 0 % interest rate since before the pandemic - because it is a fraudulent loan - a junk loan. Upon reading several articles and threads, it seems that this junk loan was supposed to have been dismissed years ago ; however, it seems that AES purchased the junk loan from another servicer and began collecting on it under a different name- which is all extremely concerning behavior. Using the advice of council, I contacted AES and asked for a Master Promissory Note. They sent me a generic document that DOES NOT include ( XXXX ) my name, ( XXXX ) my signature, ( XXXX ) any information about the debt they claim to own, ( XXXX ) any proof that AES indeed owns the debt in the first place. Therefore, we asked AES to cease collections immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting {$500.00} was not paid. Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Equifax to give notice that this creditor is providing false information. Unfortunately, Equifax continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( Branch Manager ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Equifax is aware this was an insurance claim that was paid in full. Equifax decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Equifax continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Equifax declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Equifax to provide evidence that the creditor validated this claim, no response to my request. 
XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. XXXX still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Equifax declined to have this removed and continue to report it after several disputes. This is a fraud account.
Product: Debt collection

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. XXXX XXXXXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, and DEPT OF EDUCATIONXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX ( account number XXXX XXXXXXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I tried to login to my account but was unable. I was locked out of my account. someone else had gained access to my account and changed the login info. 
After contacting PayPal multiple times I was finally able to access my account and I realized that my PayPal balance was gone. {$480.00} had been fraudulently withdrawn on XX/XX/XXXX at a XXXX. 
I contacted PayPal and they were very unhelpful. they weren't even able to provide basic info like how it was even withdrawn as they are supposed to ask for photo ID. they also could not provide info about which XXXX location it was withdrawn as it can be at any location in the world. they assured me that the issue would be resolved. 
so I filed a dispute with PayPal. 
After review, this was their response : Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason - Unauthorized access Case Status - Closed Date reported - XX/XX/2019 Transactions not refunded I then called PayPal again to get some info about their decision and they just kept repeating that the " transaction was not unauthorized '' since it was " an in person transaction '' Basically someone at a XXXX somewhere ( but they can't tell me where ) had withdrawn the money in person so it's not considered fraudulent. 
I then called my local police to file a report but the officer was dumbfounded by the lack of info PayPal was able to provide and he said there's nothing the police can do since they don't even have the basic info of the location of the withdrawal.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized accounts on my credit report that I would like removed
Product: Checking or savings account

I responded to a bonus offer of {$2000.00} to open a Citigold checking account if I deposited {$300000.00} and mantained that balance for 60 days beyond the XXXX day of my initial deposit. I followed all terms and conditions necessary to qualify for this bonus. I opened my account on XX/XX/XXXX and maintained a balance of over {$300000.00} until XX/XX/XXXX. I kept over {$300000.00} in a non-interest baring checking account over XXXX to received the {$2000.00} new account bonus, but it was never paid. After speaking to my Citigold account manager, XXXX XXXX, she stated the Citibank was " behind '' in their bonus payouts and encouraged me to leave the money in my savings account until they could finish their investigation in another 2-3 weeks. Meanwhile my {$300000.00} was collecting XXXX interest as I waited for them to do their 'research. ' I later received a letter through Citibank 's secure messaging system that was pre-dated XX/XX/XXXX. It stated I was 'not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days of opening the new account.Your account records indicate you have existing checking account number ending in XXXX which was opened on XX/XX/XXXX. ' This makes XXXX sense because why would they mail me a promotion ( twice ) if I did not qualify for it? I opened the XXXX checking account ( XXXX ) 2 years prior, NOT within180 days of opening the account in question ( XXXX ). Citibank has created an unethical scheme to sit on customers hundreds of thousands of dollars and collect interest -- in my case, {$300000.00} over the course of 90 days. I am requesting the {$2000.00} sign on bonus promotion Citibank originally advertised to me ( in XXXX separate mailers ) be paid to me ASAP, as I have lost significant interest as these funds sat in their account while I lost interest over the course of XXXX months. I am outraged this bank has acted so unethically.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is still reporting a bankruptcy on my report in which I have never filed a bankruptcy. The courts said they do not furnish that information to the credit bureaus. Lexis Nexis has my ID and SSN and they are still reporting based on name and address only.
Product: Credit card or prepaid card

Capital one closed my accounts ( two accounts ) after having a returned payment. This was the first and only returned payment I have ever had. This returned payment was because I tried to make a payment from my savings account instead of a checking account, which I did not know would be a problem. Capital one did not reach out to me or contact me in anyway before closing my account. I called them and was told my account was closed due to multiple returned payment issues, however they confirmed that was the ONLY returned payment issue they had on my account. Also they closed my other account that was n't even the account I made the payment on. I was told by a supervisor that these are reviewed by fraud and fraud department researches and makes contacts before closing accounts, however I was never contacted by anyone. Capital one has advised there is nothing they can do at this point and can not reopen an account, but instead offered to assist me in completeing an application for a new account. I spoke directly to their fraud department and they comfirmed they were unsure why it was closed based only on one returned payment. The rep offered to open an investigation to get further details and see if it could be reopened. She advised she would personally call me back within a few days, I have not heard back from her. This has negatively impacted me because a closed account is a negative impact on my credit report. It seems as though they are using this as a loop whole to close accounts, which will negatively hurt people and then get them to sign up under a new account. Having a closed account looks bad on a credit report and it also shortens the length of time for account history. By them trying to make me open a new one, that would make my account history start over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 6 months, I have been trying to correct my credit report and I have been told by the credit reporting agency, such as Experian, XXXX, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -First Progress XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing great harm to my living.