23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX or XXXX, I received emails showing someone had made XXXX and XXXX payment and updated my contact information, email and etc and requested a new credit card. Capital one locked my account due to fraud. The XXXX payment went through, and I called in that morning and told them it was fraud. Cap1 said they knew and locked my account, but they could not " unlock it '' or provide any details until i sent them my ID social Secuity card and proof of residency. In the meantime, I called XXXX as well and asked them to look into the payment because it was unauthorized. I was told I owed XXXX and XXXX etc. I started making payments via certified funds to Cap1 because I did not trust them with account information. XXXX said I had to work with Merchant. I sent in that the information to capital one in XXXX. Thay said they put in a case to return the money. I called in XX/XX/XXXX and was told that they would put in a case because she didn't see one. I waited on hold and then she said came back and said she can't put in a case, and I can't have the money returned because I owed them my full balance. I have not received anything saying I owed them the full balance. She said that I owed them the full XXXX balance and they deactivated my credit card. I said I haven't been getting statements or anything from them and she began to repeat. They sent me a new card I activated it and they deactivated it the next day. They can not return the unauthorized payment because it was from my account apparently and I owe them the full balance now and they will not send a new card out until I pay the full balance .... They ( XXXX and Capital one ) will not send me any of this in writing and I've asked for that as well. I've asked XXXX as well if they can send whatever documents they used to determine I need to work with capital one because " I authorized the payment '' and they said I would have to sue them for the documents ( XXXX Fraud Supervisor ). I said in the letter you sent it says I have the right to those documents and he said " you do if you file in court ''. They also kept saying ( i made the payment when speaking with Capital one ) and I kept correcting them no I did not make that payment please refer to it as the unauthorized payment. Where are my statements? I told them I haven't received one since you took over the account from XXXX ... She said that they send them, and I asked where and she wouldn't say. They won't restore online access. I have not received any statements, but they expect me to keep paying blindly. Why steal XXXX from me when you flagged it as fraud and then do all this? I've requested statements and I don't receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting

Experian refuses to properly verify and investigate my XXXX disputes. They have, on many occasions, sent me hurtful and frightening letters accusing me of sending them suspicions letters and requests when all I am asking them to do is investigate and remove XXXX prematurely placed Tax Liens from the public records section of my file. TAX LIENS ID # XXXX and # XXXX are no longer reported in the courts as they were accidentally placed before the the due taxes were received. the courthouse and the county clerk have since been filed them as invalid and they have been removed. Experian 's is also required to delete these XXXX items. These public record items are no longer valid or legal. I have spent so much money sending them correspondences, ID 's, social security card copies, bank and billing statements and they continue to give me the run around. They have verified XXXX items that are no longer under my name and refuse to remove it. How are they verifying these items? I have requested them to provide me the PROOF and some EVIDENCE so that I know and see for myself that an investigation has occurred but they refuse to answer me or correspond to my requests. They have NOT conducted an investigation and i fear that they will continue to tarnish my great record because they do not want to help me and that they have no way of proving to men that they are properly investigation my disputes. They are causing me so much emotional and financial hardships and they continue to accusing ME of wrongdoings. I need the help of the government.
Product: Checking or savings account

My debit and credit cards were stolen in XX/XX/XXXX. I have had some success with the credit cards and hope to resolve them, however, I have made no progress with Citizens Bank HQ in RI Money was withdrawn without my permission or knowledge on XX/XX/XXXX in the amount of XXXX Citizens has an ATM daily limit of XXXX  or XXXX  ( answer varies depending on the agent I speak with ) per day, their tracking number is XXXX XXXX. They denied the complaint but they said they will review if I provided additional data which I did. On XXXX I faxed a letter to them from XXXX XXXX Hospital stating I was in patient   XX/XX/XXXX to XX/XX/XXXX. I have yet to master being in the hospital and at the ATM at the same time. Despite this evidence I supplied they still denied my claim Again XX/XX/XXXX-XX/XX/XXXX ATM withdrawals were made without my knowledge or consent in the amount of XXXX. My complaint number is XXXX XXXX which also was denied. Again I sent a letter from the hospital stating I was in patient XX/XX/XXXX-XX/XX/XXXX. This hospital letter was faxed to Citizens also on XXXX. I could not be in the hospital and at the ATM at the same time. Citizens disagrees and again denied my claim. 

Further complaint XXXX XXXX in the amount of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX are at issue and were denied. 

Lastly Citizens policy is to limit daily ATM withdrawals to XXXX/XXXX  per day ( see above ) yet on XX/XX/XXXX they permitted XXXX  to be withdrawn for their ATM ( XXXX XXXX XXXX ) in violation of their on policy. Their responded " no error occurred at the ATM '' also if you want " copies of the documents we relied upon please contact ... '' which I did on XX/XX/XXXX. I spoke to agent XXXXXXXX I was told they had no document and they had combined complaint XXXX and XXXX together. 

They also have confused XXXX XXXX and the XXXX  on XX/XX/XXXX This has been a night mare, long in excess of 90 minutes on hold, several times, only to be dropped Hope you can help, I believed you are familiar with Citizens Bank based on previous class action suits by your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX XXXX XXXX about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  # XXXX In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I noticed an unauthorized transaction that was made on XX/XX/XXXXXXXX  and notified Ally of the unauthorized transaction on XX/XX/XXXXXXXX  via their dispute process. My account was credited and I moved on with my life. Then on XX/XX/XXXXXXXX I got a notification for an unauthorized transaction and upon calling Ally, I was informed that Ally had determined that the charge was authorized and they were taking back the credit from this transaction. 
When I asked how I was being held liable for an unauthorized transaction, I was told that the team that investigated the transaction had determined that the transaction was authorized, but I wasn't able to speak with anyone involved in making that determination. I was also told that I could submit further documentation to show that the transaction was unauthorized. When I mentioned that I couldn't prove a negative, they didn't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX  Bankruptcy-XXXX Chapter XXXX  Bankruptcy-16XXXX Chapter XXXX  Bankruptcy-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sold the house that was in my name and my ex-husband ( Mortgage company : LoanDepot, XXXX XXXX XXXX, XXXX, NJ XXXX ) After closing XXXX XXXX, 2020, they suppossed to send me a check for the Escrow account that I paid ( over {$4000.00} ). I called them for two months and they said they sent to the wrong address so they will stop payment the check, issue a new one in both names ( my ex-husband and my name ) and send it to the new address. I called several times and they said that I will receive it soon. never received, called in XX/XX/XXXX and they said check was signed by my ex-husband and me ( My ex-husband forgery my signature and deposited the check in his account ). I requested the check or talk to a manager but they never let me talk to a manager neither send me the copy of the check. Today, XXXX XXXX, 2020, I called again and after 40 minutes waiting, I explained to XXXX ( from Customer Service ) and he said " a minute '' and hang up. 
I never received my escrow money, neither proof of cashed check.
Product: Credit card or prepaid card

Citi Advantage Platinum Select MasterCard - ending in XXXX. 

I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 2 statements.

These false and incorrect statement descriptions, Late Fees, and Credit Agency reporting need to be corrected. Citi Bank needs to credit all Late Fee charges, remove 100 % of statement interest charges, re-issue the monthly statements with the corrections, and correct fix these reports to all Credit Report agencies. 

Repeated efforts to tell Citi Bank to stop with the harassing phone calls never ceased, and I was put into a position to agree to an account payment plan and this account was Closed as a Result. 

Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee '' Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee ''
Product: Student loan

On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX
Product: Checking or savings account

On XX/XX/28 I submitted a payment to XXXX XXXX via my Citibank XXXX Acct. I also have a personal checking acct. The personal acct was negative at the time due to Citibank letting a fraudulent charge go though in XXXX which I fought. On XXXX the payment was completely processed and received by XXXX XXXX which I have evidence. I had a balance of XXXX available still AFTER the payment was sent to XXXX  XXXX. Citibank then overdrafted my account {$170.00} which made the joint account negative. I was threatened by a supervisor at Citibank that they would take the money back from XXXX XXXX if I didn't put more money in my account today. 

I was also told they " don't care about XXXX  XXXX and if I receive NSFs from them, it's not their problem '' per the supervisor.
Product: Credit reporting

I initiated my disputes with Equifax beginning in XXXX of XXXX. Long since, they have responded to my disputes with " item verified ''. I have asked them to send me verifiable documents or information to how they verified the accounts. I am a victim of identity thief, and it is very important to me to know " HOW '' these items have been verified. 
I have sent letters via certified mail and initiated disputes online. My final letter was sent XXXX/XXXX/XXXX asking Equifax to provide me with verifiable information that backs up their claim of the items being verified. They have not. They responded with item verified. Under FCRA section 611 ( a ) ( 7 ), once an item has been verified the consumer has every right to ask " HOW '' the item has been verified, and the credit reporting agency has 15 days to reply with the requested documents. I have not received any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a XXXX XXXX
Product: Credit reporting or other personal consumer reports

The debt has been paid, and the collector still reports to my credit bureau. How long the Credit will be correct and will be back to good status.
Product: Payday loan, title loan, or personal loan

I took out a loan with Goldman Sachs on XX/XX/20, I paid off the loan on XX/XX/20. It was for XXXX and needed an additional XXXX per the rejection letter it says that I have an existing loan and the time is too recent. When I called for additional information because the letter is not clear. No one can give me explanation and I am trying to find out. They just saying that they would escalate the issue but nobody is doing what they saying they going to do. They are saying its a system issues but the sales reps can fix. I called them the company on XX/XX/20, XX/XX/20 and XX/XX/20.
Product: Credit reporting

Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX
Product: Credit card or prepaid card

Transferred balance from comenity bank and payment passed due date incurred late fee this was when hurricane Dorian passed thru asked for late fee to be waived now balance exceeds 240 dollars and fico dropped 100 points
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - Money Lion Loan company reported falsely on my credit report that my account was delinquent. I have made numerous call and provided Money Lion with the correct account information and I know they have it as I have numerous banking transactions coming out of my account from them to pay back the XXXX credit builder loan my current balance is XXXX however I believe it may be less as the are constantly taking money from my account but I do not know what has been applied to the loan or what has gone towards membership fees. I have asked numerous times to pay the loan off but they just will not do it. I also have an investment account in which they are holding XXXX in which I have no access to whatsoever. I have called and spoke to numerous reps and Im very scared that my credit identity has been compromised. Please help as I have read numerous complaints about this company and their credit builder loans
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), a permissible purpose for accessing a consumer 's credit report is crucial to ensure that credit reports are used appropriately and legally. The FCRA outlines specific conditions under which a credit report may be accessed. If a credit report is accessed without a permissible purpose, it is considered a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told via Equifax 's website that I may have been affected by the giant security breach that was reported on XXXX XXXX, 2017.
Product: Mortgage

We have an existing mortgage with Nationstar Mortgate, loan number XXXX. We have good credit, never late on a payment or filed bankruptcy, steady jobs and near $ XXXX in equity on our home. 

We have been attempting a refinance since XX/XX/XXXX. Initially, we were approved but when it came time to sign, they changed the terms of the loan on us. We were working with another lender, too ( a broker friend, unfortunately ) who said he could meet their original terms of the loan. We decided to go with him. It turned out to be a mistake so we went back to Nationstar, hoping it would be easy to resume the loan. 

It has been a disaster. With no competition anymore, it has felt like Nationstar has no intention of giving us the lower interest rate they quoted us ( 3.99 ). There have been XXXX different loan officers on this loan. It appears that, instead of extending the lock ( which costs them ), they avoid it by originating a brand new loan and assigning a new loan officer. With that comes the deluge of NEW requests for documentation they have already received. And no one will ever call us back or answer simple questions : Is this a new loan? Has the interest rate changed? Are the closing costs still waived? We will supply all their demands and then they change loan processors again. The most recent loan agent is now in Connecticut and has asked for the FULL copy ( via email ) of our living will and trust. It is about XXXX pages long. I can not get it through my server. So, we set up a very organized, shared XXXX file where she can easily find and download all documents she needs. She has never accepted the link or even replied to my email suggesting it. 

Honestly, they are not operating in good faith. They have NO intention of lowering the rate on our mortgage. It has been XXXX months and we are still in the very first stages of refinancing. This is the most egregious experience with customer service I have ever been through. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to remove off the Transunion Credit report. Transunion has failed to properly investigate this dispute and failed to remove XXXX XXXX from the credit report. XXXX an XXXX have both removed XXXX XXXX off the credit report and XXXX XXXX has also verified removal from XXXX and XXXX. Transunion is not investigating this dispute and both Transunion and XXXX XXXX are still reporting to Transunion without any verifiable proof they should still be on the report. All accounts from XXXX XXXX shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.
Product: Consumer Loan

I have been the Victim of fraudulent activity. There is an unauthorized installment loan in my name from Wells Fargo that i 've contested for almost 3 years now. I have been forced to make payments on a loan i did n't sign for or take out, in order to preserve my credit. Now that Wells Fargo has been officially caught with this act of opening accounts in people 's name, i 'm looking for full restitution of the amount i 've paid and the installment loan removed from my credit report.