23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I receive a FICO credit score from XXXX which is from Experien. I noticed my score dropped by XXXX points in XXXX. I contacted TransUnion online and had no issues - the item that they say was reported was not supposed to be reported and was removed. I tried to sign up for a trial credit monitoring, credit score, and credit report online with Experian and it would not allow me to obtain my report online on XXXX/XXXX/15 ( had same issue years ago ) I received a message that I needed to provide copies of bills, license etc via mail and they would send me a report. ( I never received a report years ago ) I was also unable to access my Experien report through XXXX on XXXX/XXXX/15 ; however, I had no issues with the other credit bureaus. I called Experien on XXXX/XXXX/2015 XXXX, The first time I did not receive an explanation as to why I can not access my account information - I was told all they could do was mail me XXXX and they could not provide me any further information. The 2nd time I called around XXXX and I asked the XXXX name - he did not want to give me his last name and then replied XXXX XXXX?? on team XXXX. When I asked to speak to his supervisor he was reluctant to provide me with a supervisor 's name but later stated her name was XXXX XXXX and she was unavailable. I again asked why I cant access my report online and why I ca n't dispute something online. I stated its my right, their website states it allows online access, and explained why I wanted to view my report. He said he can not disclose why and doesnt really know why I cant access online information. I told him that I dont accept that answer and would like to talk to his manager or supervisor. His reply : noone is available they are at lunch. He finally suggested that it may be because of a security question not being answered properly, an issue internally with Experien obtaining my report, or too much information to upload for me to electronically view. I said if I accidentally answered a security question wrong why cant they verify another way so I can access online information. He finally took my personal information minus my SSN and was able to access my report and placed me on hold. He came back on the telephone line and said there is nothing he can do. I replied by stating I dont understand this. It is my right to be able to view my reports - I need to get this resolved very quickly and again said I need to view this information online to possibly dispute - I have to cosign for a college loan for my son and he starts in 30 days. He said all I could do was dispute via phone and they can mail me a copy. I said that was unacceptable. I again asked to speak to a supervisor or manager and he said there was not one available. I said I do not want to dispute over the phone and asked how am I supposed to dispute when I cant even view my report & score? I want to dispute online and in writing and need to this taken care of immediately. The end result : Experien could not give me a explanation as to why I cant view my information online. I NEED TO VIEW THIS INFORMATION ASAP online.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about your failure to comply with the direct dispute provisions of the Fair Credit Reporting Act ( FCRA ). This company is reporting incorrect information. I think the amount they report and collect is wrong. I asked them to investigate and rectify but nothing, the latest report says that I am on charge off the month I pay.
Product: Bank account or service

My husband and I opened a promotional checking accounts and credit card accounts with Citibank. With us following specific requirements laid out by Citibank, if followed, we would receive XXXX XXXX XXXX miles which would be credited to our XXXX XXXX rewards accounts. We completed the requirements and have written confirmation from Citibank that we were to receive the XXXX miles on XXXX XXXX, XXXX, 90 days after our completion of their requirements. This email from Citibank was dated XXXX/XXXX/XXXX which acknowledges this. The email from XXXX XXXX XXXX from Citibank states " I can confirm that you satisfied the requirements for our promotion code to earn the bonus XXXX AAdvantage miles. '' I have attached all correspondence for your reference. On XXXX XXXX, XXXX, after we inquired as to why our miles had not posted to our XXXX XXXX miles account, Citibank sent correspondence saying that they have " determined that you are not eligible for the promotional incentives. '' This is after they have charged us their servicing fees and advised us in writing that we would receive them. I am attaching all the documentation and correspondence to this complaint. 

We have place several calls and lodged several complaints with Citibank internally, the latest being Monday, XXXX XXXX in which we are still waiting for a call back. The manager escalating this within Citibank ( XXXX in the Kentucky office ) will not give us a contact number to reach out to him for follow up, nor will he allow us to fax or email the correspondence Citibank sent to us in order to expedite the process. At this point, it seems we have hit a wall with Citibank 's lack of response and have no recourse but to formally complain through the CFPB. A satisfactory resolution would be for Citibank to give my husband his XXXX XXXX miles and myself my XXXX which Citibank promised back in XXXX of XXXX and XXXX of XXXX. Citibank expected us to honor our commitments to them, it seems only fitting that Citibank honors the commitments they made to us.
Product: Checking or savings account

A checking account was opened with my name DOB SS # and Address fraudulent at wells Fargo Using the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to JPMCB CARD SERVICES, yet JPMCB CARD SERVICES is not removing this fraudulent account. JPMCB CARD SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet JPMCB CARD SERVICES has refused to do this. The following is the fraudulent account : JPMCB CARD XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has assumed the role of that of acting as a fiduciary over my consumer credit report. I never gave permission nor my CONSENT to Equifax to furnish any of my information to anyone. With that being said and Equifax 's " Technology Coding Issues '' has harmed me, they have been providing inaccurate/false credit scores to everybody, sent out erroneous credit data on my behalf to everybody, in turn is costing me higher interest rates and adverse action taken against me. Plus, I know that they have been selling my data to lenders with out my permission as well. 

Equifax DID NOT exercise their grave responsibilities to protect my PRIVACY. Equifax is unfair, partial, and DID NOT respect my right to PRVIACY.
Product: Checking or savings account

Bank of America reversed already completely processed payments from XXXX weeks prior and changed the status to pending causing heavy feesI also paid over {$3000.00} in credit card fees that the bank claims were never received causing a debt of {$2500.00} in fees and heavily effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}
Product: Credit reporting or other personal consumer reports

Capital one XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. My account ( Account # XXXX ) was reported 30 days late in XXXX XXXX and XX/XX/XXXX however, I had credit protection and I had made a claim as I was not working. When I called customer service I was told that my report would be updated but it was never updated to remove the late status. I then requested the account be removed as I have no balance and therefore there is no need to remain on my report. On XX/XX/XXXXXXXX XXXX XXXX  I again made the same request and as of today I have not gotten a response nor a removal.
Product: Credit reporting or other personal consumer reports

Collection/Debts : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX established XX/XX/XXXX STUDENT LOAN : ALL DEPT OF XXXX/ XXXX established XX/XX/XXXX These debts/ collection doesn't match my address in the data systems. I stay at XXXX address for over XXXX  years. My information has been stolen. I do have a identity theft report for proof. I need these items deleted from my credit report asap
Product: Debt collection

Received a " Final Notice '' dated XX/XX/2024 from the CCC of New York ( The Commercial Collection Corp of NY ) and we never received any other communications from them. So why is this a final notice if no other previous notices were received. If so, please have them send copies. 

We do not recognize the creditor - XXXX XXXX XXXX XXXX of Ohio. We have no invoices from this organization or any business done in Ohio for the last 10 years.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 these companies pulled my credit report without my knowledge
Product: Checking or savings account

I have a Health Savings Account with Optum Bank, this account has been active since XXXX. I attempted to login to my HSA account, today, XX/XX/XXXX, to begin the process for reimbursement for a qualified expense. They were unable to locate my account, and I was unable to login with my credentials. I called customer support, and talked with a front-line staffer, who did all within her power to locate my account. She informed me that all of my online account activity and presence has been erased. I additionally learned my email address had been modified by an optum staffer to some other email address - not mine. I asked to speak with a supervisor, and it appears that one of their computer algorithms decided to terminate my account credentials. The supervisor and I both tried to create a new account but I kept getting an error message. We attempted several troubleshooting methods and it did not work. 

I have a case number with Optum bank - Optum Case # XXXX If I didn't notice this error, and bring it to Optum 's attention, my entire health savings account could have been lost or stolen via identity theft This would cause significant hardship for my family, who depend on this account for ongoing medical expenses. 

Optum has repeatedly been reckless with my account, making significant and drastic account changes without notice ; they should be heavily scrutinized by the proper regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX
Product: Checking or savings account

Beginning on XXXX  XX/XX/XXXX at XXXX XXXX, I checked our checking account balance and found that someone in California got a hold of our debit card number and started charging over {$1100.00} in food an entertainment! I called the credit union ( America First ) at XXXX. I was sent to call center in XXXX who took my report and supposedly put a hold on the transactions that were unauthorized and not yet cleared out account. Later in the morning, when credit union opened at XXXX XXXX I called again to speak with someone here. They informed us that they have put a hold on the account and to go in and get a new debit card. We did so right away. We were told that this issue would be taken care of in about 3 days and was high priority due to all of the charges. Well, here it is XX/XX/2022 and the credit union has let all transactions go through and empty our account of all funds plus pulled money from a line of credit to cover the fraudulent charges!!! 
We have had absolutely no money to live on as we had just received our auto deposited pay checks when this happened and the credit union could care less. I called again today, and was told they have just made this high priority but I was told week it was high priority and being worked on. Again we have no money and the credit union is lolly gagging about getting it back to us. We are having to use a credit card through them at this point. They say they don't know how much longer it will take, but we will receive a letter in the mail when complete!!! Very unprofessional and absolutely no security on our money what so ever. We need help, fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX processed payment for for {$2100.00} at XXXXXXXX XXXX XXXXXXXX Emailed receipt received at XXXX Card type : XXXX Card # : XXXX Payment method : Card Tapped XXXX XXXX : XXXX Wed XXXX am emailed received Your payout has failed We've canceled your XX/XX/XXXX withdrawal of USD {$2100.00}. 

Common causes of a failed withdrawal : The admin name on the account is not the name on the bank account. For security reasons, the financial admin must match the name of the account we're sending money to. 
The bank account number is invalid or mistyped. 
The routing number is incorrect. Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use. 
If you've already entered in new bank account information, we will initiate a new transfer of funds as soon as possible. We typically allow XXXX business days for transactions like this to complete. 

If you need any help, or have any questions, let us know by responding directly to this email. 

Email received XXXXXXXX XXXX XXXX XXXX XXXXXXXX Payments Your account has been closed Unfortunately, we can no longer support your business and we'll need to cancel any pending payments. 

Because your account is susceptible to a high chargeback or dispute rate, we have to put your remaining balance into reserves for a minimum of 30 days. If your balance goes negative, we'll recover those funds from your bank account. For full details, you can read our Terms of Service : https : //go.wepay.com/terms-of-service-us. 

Thank you for understanding and we apologize that we couldn't offer a better solution. 

email received XXXXXXXX XXXX XXXXXXXX from Wepay Thank you for your email. 
XXXX received your support request ( # XXXX ), and someone from our Customer XXXX team will be in touch within XXXX business days. 

In the meantime, XXXX of the articles in our XXXX XXXX might help you get an instant answer to your question. 

Thank you for being part of the WePay community. 


XXXX ( WePay XXXX ) XX/XX/XXXX, XXXX XXXX Hello, After careful review, it has been determined that we will no longer be processing payments for your account and have closed the account. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. Please contact us after the 120 days has expired. 

Thank you, XXXX WePay by XXXX XXXX XXXX questions? Check out our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  have emailed XXXX for XXXX information he refused to answer any questions. I have not had any chargebacks, or disputes in the past. If my account was a risk I don't understand why wait until I have a transaction to cancel account. 

I am a small business and this severely cripples my ability to do business and live.
Product: Debt collection

On XX/XX/2019 I received a phone call at XXXX XXXX   from the company. When I expressed displeasure with the representative on the phone for the extremely early phone call he seemed completely unaware that there were laws governing when he could not call. While my phone number has a XXXX  area code I have receive mail from this company at my home address in XXXX. The company is aware of how early they called me and violated the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, and on XXXX XXXX, I have reached out to Experian and requesting XXXX tradeline be deleted from my consumer file and consumer report. I have yet to receive a response. 
EXPERIAN is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my permission.
Product: Mortgage

My hazard insurance is due XX/XX/XXXX for the amount of {$4400.00}. The insurance company did not receive the payment. I had to make the payment on my own so my policy wouldnt lapse mr cooper has not provided me with proof of payment, and they are not handling my escrow account effectively this Mortgage Lender is Mr. Cooper Nationstar LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/XXXX, and XXXX XXXX was included in that debt. The bankruptcy has currently been XXXX, but XXXX XXXX report to my credit in XX/XX/XXXX of the account being late. That is not correct information because I had filed bankruptcy and been released and have no other credit card accounts with them.
Product: Debt collection

I use to be a patient if XXXX whom is claiming I owe them {$510.00} after there office was closed down they put it on my credit as gulfcoast XXXX and I keep disputing I called the office manager at XXXX XXXX because never did I owe them this or the dr would not of seen me I had Medicare and Medicaid always paid my copy 's when I went in to my visits and I think someone internal is committing fraud I never even received a phone call or letter from them for this
Product: Money transfer, virtual currency, or money service

Sir/Maam ... My name is XXXX XXXX XXXX XXXX XXXX XXXX. I am an enlisted personnel of the XXXX XXXX On XXXX XX/XX/2021 I sold a XXXX  XXXX XXXX XXXX XXXX Buying Website called XXXX, the XXXX amount is around XXXX that is XXXX XXXX XXXX worth of XXXX, l was able to sell it in XXXX with more XXXXr less XXXX and it might got higher depending on the market exchange also according to the XXXX they are the one who would shoulder the payment of the transfer from them to my Paypal account. On XXXX XX/XX/2021 in batches they sent into my Paypal first the amount of XXXX including the Payment of transfer the later in the afternoon they send again to my Paypal the amount of XXXX including the payment of transfer, in total I only got more or less XXXX and as expected it got higher that the projected amount l first mentioned. 
At that moment when l recieved the payment ... Paypal emailed me to explain my transaction ans send them my proof and l did. l even send them my XXXX lD, l also explained to them the transaction l did.. lt is actually the first time l made transaction with Paypal and my accout is new.. however l have a Paypal account before but XXXX already forgot the password fo l made new one ... The next day XXXX XX/XX/2021 They send me an email that my transaction in my Paypal will forever be limited and they will hold my money worth of XXXX for 180 days ... l try to reach out to them but maybe beacause of Pandemic it is quite difficult. They said that my transaction is suspecious but l provided them the screenshot of my transaction and my ID ... they are becoming unreasonable ... 
lt quite difficult nowadays and so l was trying to make some money online while on duty and yet this is what they done to me very disappointing ... 
l am hoping that through your agency the Paypal will be able to restore my account and be able to withraw my money very soon.. 
Thank You..