23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I received a fraudulent charge of {$33.00} on a virtual card number of my Citi credit card which was allegedly from XXXX. The charge posted on XX/XX/2021, and I called XXXX and received a written statement that the charge was not initated by XXXX. 

I then called Citi on the same day, and they issued a conditional credit for the amount of the fraudulent charge. I also requested that my card number be reissued due to the fraud. 

On XX/XX/2021, I received an email from Citi requesting additional evidence on my end regarding the dispute. I forwarded them the response from XXXX that I had received earlier. 

However, on XX/XX/2021, I received a notice XXXX attached file XXXX XXXX ) that Citi has reversed the credit and determined it to be " customer responsibility ''. They mentioned that there were more details in the documents section of online banking. However, the notice there included no information about why this was done, or what evidence did the fraudulent merchant provide that showed that I had made the purchase.
Product: Mortgage

My current mortgage serviced by Specialized Loan Service XXXX # XXXX ) recast or reset with payment increasing approximately {$2800.00} per month. I processed check payment and was {$200.00} short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over XXXX points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from Monterey Financial a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. Monterey is in California and XXXX XXXX is in XXXX. Out attorney sent Monterey and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to XXXX XXXX it is severely damaging my credit. They refuse to remove it. Monterey Financial only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

3RD COMPLAINT!!!!!!! 
PENFED CREDIT UNION AS PER THE LAST REQUEST FROM THIS COMPANY, PENFED, I TRIED TO CONTACT XXXX XXXX VIA THE TELEPHONE NUMBER PROVIDED, SEVERAL TIMES. 
HOWEVER, THIS XXXX XXXX, NEVER, EVER RESPONSED, NOT ONE TIME. 
I LEFT A PLETHORA OF MESSAGES ON HIS ANSWERING MACHINE, AND EVEN CONTACTED THE COMPANY REQUESTING TO SPEAK WITH HIM, TO NO AVAIL. 

CURRENTLY, I SENT AN EMAIL, AGAIN, WITH MY INFORMATION TO AMEND MY ADDRESS AND THESE PENFED REPRESENTATIVES ARE ASKING FOR DOCUMENTATION ( ID, SOCIAL SECURITY CARD AND UTILITY BILL ) THAT WERE ALREADY PROVIDED ON SEVERAL OCCASIONS VIA PENFED 'S PORTAL. 
I HAVE SUBMITTED EVERY AND ANY DOCUMENT, PENFED REQUESTED. 

THIS COMPANY, PENFED HAS KIDNAPPED MY FUNDS AND CONTINUOUSLY ASKING FOR A RANDOM. 
SO WHAT CAN YOU GUYS ( CFPB ) DO TO ASSIST ME. 

I HAVE SUBMITTED TO ALL PENFED 'S ASININE REQUESTS AND STILL GETTING THE SAME RESULT ..... NOTHING!!!!! 

AFTER CONSULTING WITH AN ATTORNEY WHO ALSO STIPULATED THAT PENFED IS BEING ABSOLUTELY UNETHICAL EGOTISTICAL IN THERE BEHAVIOR. 
WHAT NOW? 
YOU INFORM ME, AS I AM LITERALLY AT MY WITS END. 

THANK YOU????
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the FCRA for the account pertaining to XXXX XXXX XXXX XXXX XXXX ) has violated my rights! I have no knowledge of these accounts, as I have asked for competent evidence bearing my signature showing that I have a collection debt with XXXX XXXX XXXX, I have waited 60 days and I still have no received a copy of a contract with their company. 

My rights have also been violated from this company for this alleged debt 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Also FLORIDA REQUIRES a collection agency to be licensed in Florida in order to collect a debt and XXXX XXXX XXXX XXXX XXXX  ) is NOT licensed in this state!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in the mist of getting my credit in line so i can move my family into our first home, but when looking at my report i have multiple name addresses and social security numbers that are not mines, i have reach out to all 3 credit bureaus and giving them my full name XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX my job history should not be on there nor my social security for privacy reasons. please help rectify this matter and fix this ASAP!!! i request to get my personal information updated in XX/XX/XX/XX/XXXX
Product: Vehicle loan or lease

I was working with my car company on making a payment and they decided they didnt want to work with me anymore or accept payments so I was told to refinance the car or trade it before its XXXX, so I did and I went and got it approved at XXXX for a trade in and they pick the car up the same night it was approved. Please see attached emails for proof of claim. Without prejudice, UCC 3-603.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/XXXX
Product: Debt collection

Weekly I am receiving calls from this company that identifies itself as HRRG ( Phone : XXXX ), and he insists that I must give personal information, when I refuse they hang up the call. 
Today I decided to attend them and find out what it was about and she told me that from my visit to the XXXX on XX/XX/2019, I was left with a debt of {$240.00}. I clarified that I did not leave any debt from that visit, first because my insurance was from the company and it covered me 100 % and that I also contacted the Hospital at that time so as not to leave any debt. 
To which he replied that the debt was now with XXXX XXXX XXXX. 
I told him that I do not recognize any debt with this place and how it was that first it was from the Hospital and now with this company. When I asked him for more information about this company, he replied that I must give him more personal information, so I hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Got a car from us auto sales and the company was taking my money but not putting it towards the payment of the car. The company itself went under and has a lawsuit against them. My car was repossessed without my knowledge o anything and without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information.

The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.
Product: Checking or savings account

I have been contacting Comerica Bank for the past 3-4 weeks attempting to close my bank account. Initially on XX/XX/2021 I called to close the account after having paid it to a XXXX balance. I was advised the account could not closed because that payment was still pending. I was advised once it cleared the account would be closed. I informed them Id like the account block from further charges because it had been compromised at which time they informed me they was not possible but they didnt see any upcoming/pending transactions. On XX/XX/2021 I logged back in to find the account still open and negative for approximately {$120.00}. I immediately called and was placed on hold while the previous call and account notes were reviewed. The representative returned and advised she was completing a form to have the account closed and that management had approved the reversal of the funds. She stayed the account would be closed in 24-48 hrs. It is now XX/XX/2021 and the account remains open and has now been assessed Extended Overdraft fees and has a negative balance of {$130.00}. They are now advising that the account cant be closed and Im responsible for the fees. Theyve also indicated they will research the matter more. Im fearful this issue is not going to be resolved, I will be held liable for the fees, and my credit will be impacted. Please assist!
Product: Checking or savings account

I was supposed to receive a direct deposit in the amount of {$2000.00} on Friday XXXX, I have not received any money and can not get through to anyone to find out what is going on.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX According to the IRS an unpaid Chargeoff is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below XXXXXXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by another Lender. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the 1099-C form
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly Investigated the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly verified the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I asked them to remove the bankruptcy. However, I pulled my credit report today. XXXX deleted the bankruptcy. But Equifax and XXXX have not deleted it yet. It has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times contacting Lexis Nexis to provide verification of any such bankruptcy. And was told numerous times to contact XXXX, who in turn placed me back to Lexis Nexis. A representative at Lexis Nexis continues to state again that I need to contact XXXX again. Lexis Nexis has continued to fail in providing verification of such record. I requested Lexis Nexis if they are not able to provide any sort of paperwork and verification, that I requested to have the information deleted from my file, which they did not do. And that I would be filing a CFPB, FTC, and State Attorney Generals complaint as well as leaving an unfavorable XXXX review.
Product: Debt collection

XXXX XXXX XXXX, now XXXX XXXX failed to pro rate my cable bill in violation of Maine Law XXXX The law is pending legal review, but at this point the Federal Appeals court has upheld the law requiring the pro rating of the cable bill. The charge is for approximately {$39.00}. 

XXXX was told not to contact me in 2020. They violated the XXXX  by calling at least 2 more times. They turned it over to a debt collection agency, which contacted me by phone again. A complaint was filed with CFPB at that time and a confirmation was received. 

I received an email from Sequium Asset Solutions today regarding this debt. I called them to advise of the prior XXXX. I believe this is another violation of the XXXX filed in writing to the original creditor, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I entered into an agreement with XXXX XXXXXXXX ( representing NAVIENT ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, Navient only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called Navient directly and they keep saying it will take more and more time. I called XXXX XXXX Navient 's collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
Product: Credit card or prepaid card

I have bought a fridge from amazon.com on XX/XX/2022 and I was charged XXXX dollars and then I returned the fridge but Amazon never gave me that refund so I contacted synchrony bank and they gave me a credit for XXXX dollars but then synchrony bank on XXXX recharged my account again for the credit of XXXX dollars that they gave me and also Amazon recharged me again for XXXX on XX/XX/2022 again. So Amazon has double charged me for an item that I returned back and synchrony Bank took back the credit of XXXX dollars that they gave and charged my Amazon credit card again on XX/XX/2022 for XXXX dollars. So I was charged 4 times of XXXX dollars for a single item that I returned back and Amazon has it in their warehouse. I called synchrony bank and they even refused to talk to me. 
I need the CFPB help with this issue and nobody seems to understand and amazon keeps charging my Amazon credit card for the same item and synchrony bank is allowing amazon to keep charging for an item that returned back and this is FRAUD from Amazon me synchrony bank. I am attaching documents that shows synchrony bank charging me again on XX/XX/2022 for the credit they gave me on XX/XX/2022 and Amazon charging me again on XXXX another XXXX dollars. I have been charged 4 times for an item that I returned to amazon and they have it in their warehouse
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 I requested verification of several accounts on my file. 

The data furnisher has not to date responded to my request. I have given them more than enough time to complete their investigation. They have ignored my request to update personal info such as my name variations, phone numbers, and address, along with them not providing requested info about verification of accounts listed above. under FCRA Section 611 Part ( A ) ( 1 ), i have a right to dispute inaccurate items and request verification without them using E-oscar and they must respond within a certain time frame and they have not on both occasions. I am requesting they delete the below accounts immediately The accounts are as follows : XXXX XXXX 2 times/accounts ( equifax   only ) XXXX XXXX 3 times/accounts ( equifax only ) XXXX XXXX 2 times/account ( equifax only ) XXXX XXXX XXXX ( equifax only ) XXXX XXXX XXXX ( XXXX and equifax )
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit profile from XXXX, Trans Union and XXXX immediately. 

XXXX XXXX XXXX XXXXXX/XX/year> {$4200.00}
Product: Debt collection

I received a alert of a new account being opened from XXXX. upon checking a new account with tech collect was opened in my name as well as att internet. i did not open these accounts or did i give permission for them to be opened. my x wife has used my information on several occasions to get things she can not herself.