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

Citibank dispute department supervisor was very rude disrespectful and uncompromising. I explain to her that Ive been waiting patiently into diligently for them to conclude my investigation due to some fraudulent charges that transpired on my account. The following charges took place with the first XXXX Taken XXXX  XXXX XXXX at XXXX for {$130.00} And the second one is XX/XX/2022 for {$240.00}. 
When I told the supervisor that I feel like they are prolonging their investigation and not taking care of it efficiently, and that I was going to be making a complaint with you all she blatantly told me that she didnt care I can tell who I want to tell and discontinue the call. I found this to be so unprofessional on her behalf and theres no way I should have to undergo this type of treatment when I am the customer and I put my trust in them to handle my finances in the most efficient way, but safe and secure. Clearly none of what I expected from this financial institution have came to pass. I demand a remedy take place in all of this come to pass rather sooner than later, because I am in the situation where I am facing XXXX, due to me, being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

On XX/XX/2020 I was contacted by courier trying deliver a legal notice. They would not give me any information but stated I had to be home to accept notice of a debt that was not mine. They said if I wasn't it would be counted against me. They would not give me any information other than the debt was for my brother-in-law who my family is estranged from for over 7 years. I asked how they got my info any they would not tell me anything other than they had my info and would continue to contact me. They also had part of my social security number, which I believe was searched unethically as I am not a client of theirs and do not have any debt with them. She gave me the information of the agency employing her- Capital Link Management LLC. When I called the number to inquire as to why I was being involved they said that my brother-in-law owed a debt and that if I want to stop being contacted about the matter that I should tell him to handle the debt. They said they have been sent me many notices bother written and over the phone ( I have not had any contact with them until today. ) They said they would not stop contacting me and would be sending more notices and calling. After speaking with my mother and father in-law they are contacting them and using the same harassment techniques.
Product: Money transfer, virtual currency, or money service

on Friday at XXXX pm I received an e-mail from XXXX that my Conversion from XXXX was unsuccessful. I have submitted a Case with XXXX on Sat, XX/XX/XXXX, XXXX XXXX 

I am concerned that XXXX is taking too long to fix the " glitch '' that occurred apparently I was not supposed to do this conversion because it was not intended. 

The balance before the glitch, which multiplied everyone 's balance by XXXX times, has been restored, but we are still unable to trade. XXXX. 

We are still waiting to hear if we can trade XXXX, and if this is fair practice by coinbase, given the length of time it has been. 

Thank you kindly
Product: Debt collection

I have tried for the past six months with the company RELIANT FINL XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX to fix this issue that I already paid this account off I have sent them paperwork multi times I want this fix plz
Product: Credit reporting or other personal consumer reports

I am writing to formally submit another complaint regarding the continued false reporting on my credit reports by Equifax and XXXX, as well as the illegal use of my personal information. 

Despite my repeated attempts to resolve these issuesover ten dispute letters sent to the credit bureausI have not received a satisfactory resolution. Equifax has consistently employed stall tactics, claiming they can not verify my identity, even after I provided ample documentation, including my driver 's license, Social Security card, pay stubs, and evidence of the inaccurate accounts. 

Specifically, I am requesting the removal of the following accounts from my credit report due to false reporting and failure to validate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All other negative accounts associated with my name These accounts are damaging my credit profile and do not accurately reflect my financial responsibility. I have provided all required documentation, and it is unacceptable that Equifax continues to state they can not verify my identity. 

I urge the CFPB to investigate this matter and take appropriate action against these credit bureaus for their misleading practices. Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXXXXXX  Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : Highest reported balance : XXXX XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Credit card

I had identity theft starting in XXXX of XXXX. My XXXX phone acct was hacked. That was taken care of. I then found out a XXXX credit card in the amount of {$5000.00} was taken out in my name and packages were being ordered and rerouted from my home to XXXX and XXXX stores and being tracked and taken off the XXXX  XXXX truck in my neighborhood. We only found that out after we received a letter in the mail notifying me this the XXXX credit card which I had shut off immediately. After which my PayPal acct was hacked into and on XX/XX/year> a {$2100.00} laptop was purchased. The thief that purchased that computer tracked that computer from XXXX on the XXXX truck until it reached closed to my neighborhood and intercepted off of the truck and made away with it. I only found out about it after it showed up on my statement the follow month. Then I called PayPal to dispute this and they told me I had purchased this because it was delivered to my home. We were home and a computer was never delivered to my home. I was under the impression it might have been one of the items that might have went to XXXX or XXXX because I could never get anyone to call me back or talk to me. Finally on XXXX during-one of my monthly calls to PayPal it came out the XXXX  driver said the computer was delivered to our home. I was flabbergasted. So I went and made a police report and went to XXXX. Where they said they had a rash of drivers giving packages to people off the trucks. I got the paperwork for the computer and all this paperwork from XXXX, XXXX, the police report and XXXX has been Faxed and Mailed 3 times to PayPal. They have continually opened and closed this case and always came back and said I have to pay. I have given them all the proof of my identity theft
Product: Checking or savings account

On XX/XX/XXXX, I received my bank card for Chime bank and called to activate my card. Chime is not safe at all nor do they adhere to FDIC regulations. There needs to be justice for me, to say the least. I have submitted multiple police reports : Incident # XXXX from XX/XX/XXXX ( the day I filed the dispute that was denied and the same day the {$920.00} unauthorized XXXX XXXX went through ). I was on the line with the dispute department when they told me that {$8400.00} was withdrawn from my account which was unauthorized. I filed a dispute on XX/XX/XXXX and on the exact same day I filed a dispute, Chime let another {$920.00} be withdrawn from my account by the same person who hacked my Chime account even though I called and verified my identity with Chime over the phone and spent about an hour on the phone with them going over all the unauthorized charges on my account. These charges include but are not limited to : XX/XX/XXXX XXXX {$920.00} to affluent {$35.00} XXXX to XXXX  XX/XX/XXXX XXXX $ XXXX they definitely need to investigate this charge. 
XX/XX/XXXX XXXX {$500.00} to XXXX  XX/XX/XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX   : XXXX {$560.00} -- This one I proceeded to call XXXX to investigate and they gave me an address in XXXX XXXX , Florida where this package was fraudulently sent using my card info and billing address. 
XX/XX/XXXX XXXXXXXX XXXX {$1600.00} - No idea how I could have a physical card in my possession and this charge could have gone through. 
XX/XX/XXXX XXXX {$70.00} and {$85.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX $ XXXX This is a very important charge because they would've needed to link a driver 's license to this app in order to book a room with XXXX and Chime looked over this information. 
XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$200.00} $ XXXX I have been trying to find the identity of who used my card on XXXX XXXX  to find the culprit but Chime has done nothing and refused to communicate with me because my email was hacked. Banks without actual live XXXX phone support or actual bank tellers shouldn't be legal. Chime is owned by XXXX and they aren't even a real bank. All that the frauds had to do was hack into my chime app and then they had access to all of my funds without my knowledge. Chime still owes me the {$920.00} remaining in my account that was supposed to mailed via check last month ( haven't received anything ). They refuse to recognize my email was hacked and they refuse to send or mail any supporting documentation as to why they denied my dispute that was obviously not me. I was in Arizona when these charges occurred and I have provided my flight ticket.Chime Bank has refused service and deserves to be sued. I have all the documentation. I am just collecting my information at this point in order to get the most retributionas possible.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$68.00} XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX Balance Owed : {$600.00}
Product: Credit card or prepaid card

On XX/XX/2022 I got emails to my work email account congratulating me on my new credit card that I did not apply for with XXXX, XXXX and Comenity Capitol. I contacted each lender, some have been more helpful than others. All have cancelled the accounts and applications, removed hard inquiries on my credit report and reported fraud but one, Comentiy. Put a freeze and fraud alters with all three credit reporting agencies, called my existing credit card companies, banks, and local police department. I plan on contacting the IRS, DMV and social security offices to help protect myself from future fraud. Not sure what else I can do to protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a negative account on my report. After two attempts, Capital One was unable to provide me with my signature and prove that account belongs to me.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name also violating my right to privacy and consent which I never gave. Refer to documents attached
Product: Debt collection

Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX, Equifax, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from Equifax and XXXX. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
Product: Debt collection

XX/XX/2023 I was made aware out the blue with no previous effort to contact me that I had a bill in collections for the amount of XXXX $ due to XXXX XXXX XXXX. This was a debt sold by XXXX XXXX XXXX located in XXXXXXXX XXXX which I had a payment plan set up with and made a couple payments this year. No one contacted me and made me aware of what was going on or gave me the opportunity to resolve it. I received a call from someone telling me they were in collections and I needed to give them my card information and pay immediately XXXX XXXX dollars or it will be put on my credit.. I never used my credit to get this land. It was a gift that came with XXXX fees that I inherited by default. This company XXXX XXXX has been sold, bankrupt, and In court for years. So to sale a debt I had a payment plan on without making me aware seems very unethical and I dont understand it at all
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to repair my credit after a turbulent time in my life, I reached out to XXXX to pay a debt from a missed auto insurance payment from a few years prior. The agent I spoke with on the phone ( on a recorded conversation per their notice on the phone call ) agreed to remove the information from my credit report once I paid the amount in full. I sent the payment over to them last fall, and noticed when I pulled this years credit report that they did not follow through with their agreement. I contacted the collection agency to dispute the account still showing on my credit report and they are unwilling to honor Progressives agreement stating that the Fair Credit Reporting Act prohibits them from removing information from my credit report, which I know to be a perversion of the truth. Not only did XXXX fail to follow through with their agreement after they received a payment IN FULL, the collection agency is knowingly and willfully engaging in actions that adversely effect my consumer profile despite the goodwill efforts made on my end of the bargain. They claim that there was no documentation of the original agreement with XXXX, however, I know that the original phone call was on a recorded line as it was stated by the agent at the beginning of the call and I made sure to clarify that information during the course of the conversation. The evidence is there, it is simply being hidden.
Product: Mortgage

Attempted refinance with Ally Bank. Went through online forms and spoke with a rep who confirmed based on my answers i was prequalified all they needed to do was verify the information i provided. The confusion continued for several weeks. They were lax in responding to online requests and emails. I finally started phone calling and waiting on the phone to speak with someone. They seemed to be hung up on me being self employed. They have their own definition of self employed which they did not share until i had paid for services they required to continue. I explained according to the IRS i was not self employed. I provided bank statements, check stubs and tax returns to justify my income. They disallowed most of the income stating it was because i was self employed. The said my DE ratio was off but they never requested copies of my expenses. 

When i specifically ask them to show me what i answered incorrectly on the application which would have led to the confusion, they did not provide any specific answer. Only that the underwriter disallowed most of my income for the calculation for one reason or another. 

This information should have been relayed to me prior to me approving a {$550.00} charge for an appraisal ( which they required an inside appraisal instead of a drive-by. ) Had they been forthcoming with the requirements i would have not approved the {$550.00} charge. 

I provided tax returns showing income which i walked through with the rep. added it and divided it to get a monthly amount. our calculation was off by almost $ XXXX per month from the underwriter. 

I believe this was presented by people who didnt know what they were doing ( as evidenced by all the confusion with the application ) and should not have been charged the {$550.00} without properly informing me of the issues with what they considered self employment ( again which is different than what the irs considers self employment. )
Product: Checking or savings account

I deposit a check into my checking account on XX/XX/2019 on XX/XX/XXXX i went inside Key Bank they explain to that the check was not signed right and that they were going to take care of this and that the check was cleared and the funds will be available on XX/XX/2019 well the XXXX came and there was still an issue with the check they frozen my account so i went to the bank with the same issue ask the manager to close my account she told me that she did and took my debit card i check my moblie account the account is still open she never honor my wishes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX and im not on XXXX XXXX I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.
Product: Credit card

XXXX XXXX Macys credit card is scamming customers with promotional event balances. I paid my promotional balance in full plus whatever else I charged that month to avoid the deferred interest payment. The following month they told me on my next statement that {$10.00} did not go towards the special event. I fought over the phone, one representative hung up on me when she couldnt explain how if I paid in full really doesnt pay it in full. The next representative tried to say that it goes towards the minimum payment ( {$30.00} ) first which was that {$10.00} more, ( the only charge I made that month was {$20.00} ) not making any sense bc the minimum payment is a recommended amount if you cant pay it in full, its not an actual charge on the card. I think XXXX XXXX Macys is scamming hundreds of people out of that deferred interest payment promotion by playing around with the numbers if the bill is paid in full which mine was there should be nothing leftover on the promotional balance. Please look into this, I have my bill to prove it. The bill that was paid in full with all the explanations of promotional and new balances and the following bill that said I still had {$10.00} outstanding on my promotional balance.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Product: Student loan

I have a private student loan that I got from going to XXXX in Oregon. That school is now closed. I 'm not even sure that the degree I got is usable. I feel that I was manipulated into signing forms so that they could get paid. I was very young and I think they lied when I was signing these loan papers. I thought all student loans were federal at the time and would have a lot of repayment options. This is a private student loan and there are hardly any options for repayment.
Product: Credit card or prepaid card

I have tried to close account multiple times with PayPal as I had unauthorized charges on my account. I paid some of the unauthorized charges before I noticed that someone was charging on my account. I opened a complaint and closed my account. I continue to get harassed by the company and it appears they opened another account in my name or someone has. I am so tired of calling this company and getting the run around.
Product: Checking or savings account

Hi. I went to the bank to withdraw money inside of the bank where I am a customer. The ATM never dispersed my money and after filing a claim and calling many many times I was denied. Im being told theres nothing they can do about it. Chase bank stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all XXXX inaccuracies in a PDF sent with this compliant.