23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Citizens Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Citizens Bank created agencies with through advertisement, which caused Citizens Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Citizens Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104
Product: Credit card

I disputed XXXX, XXXX, XXXX, and XXXX totaling {$6000.00} to citibank cashback mastercard against a merchant that debited my account last XXXX 2015. My mom asked the the merchant to credit my account {$6000.00} through email, for the service was under her name. It was approved by the merchant, and we forward the email to mastercard dispute dept. During that time, citibank mastercard conditionally credited {$3000.00} towards my mastercard. Should it have been a total of {$6000.00}? After several weeks, only {$3000.00} was credited to my mastercard. I called mastercard and asked about the other {$3000.00}. Since then mastercard has not given me a clear answer why my account was not credited. XXXX dispute customer agent said that there could have been a mis-coding. What is this mis-coding? I asked several supervisors later and none would tell me. Mis-coding? 
I have been doing all the calling to resolve this problem. I have talked to many supervisors. All have promised to investigate and call me back and not XXXX of them ever returned my call. I have been ignored constantly. I think that citibank mastercard is avoiding my request. Please help me resolve this problem. From the beginning, I have followed all mastercard 's steps and now something is wrong. Mastercard is not being transparent nor have the many dispute supervisors, who promised to call me back, returned my call, emailed me, nor sent a mail. 
My mother emailed the merchant requesting why the company is has not sent {$3000.00} to my credit card. The merchant has not responded yet. It is their policy to credit my Mastercard account only. It does not send money in no other way. Please help me.
Product: Mortgage

In order to avoid being foreclosed I was offered a modification in which I was approved. I have made all of my payments and sent in my paperwork. My checks have been received and cashed. I never received an email, phone call, or certified mail that my property will sold at auction and now the sale has been confirmed and I have 30 day to vacate the property
Product: Mortgage

I reached out to Quicken Loans for a Refi. In XXXX. The Loan officer said we will piggy back the Previous Loan. I said Great .To get to the XXXX, In XXXX I made my Monthly Payment to Quicken Loans for XXXX on or about the XXXX or so. Around the XXXX XXXX when I get my SS check. In XXXX I did the Same thing on the XXXX XXXX. I sent in another XXXX for the Month of XXXX., The Problem is I closed my Loan on XX/XX/XXXX and the new Loan doesn't take effect till XXXX XXXX .I have a Letter and Emails saying overages will be refunded after Closing with in two weeks. They are refusing to send my Overage back saying the Put it on the Closing of the Last Loan. If so I wasn't told and I feel they Stole my XXXX. I want my Money back. I am a XXXX Veteran and they should not be taking advantage of those of us unable to travel to Michigan to fight them. I have never been Late with a Payment to them and always on time. My penalty here is Paying these Crooks Early for a Loan that was closed out. My new Payment isnt due tol XXXX XXXX at the new Rate. They took so Long doing my Loan I had asked for The New Rate and they could only say It would cost me more to have it but could not and would not tell me How Much it would cost. So I lost Money by them refusing to give me the lowest Int. on my loan be cause of being Lazy and uneducated to do so .I am very upset with the Lame excuses I am getting and All their Phone calls are Taped and logged .They of course refuse to give them to me as I have called at Least three time asking for my Money returned and was told in two or three weeks. Someone has taken it and I need it back as anyone else would. This Prolonging and obstruction isnt doing me any good after just having XXXX XXXX. If you can help Thank you. If not please advise who I can contact for help. Thank you for your time. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX XXXX C XXXX H This is Quicken Loans out of XXXX Michigan who is trying to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Barclays, who appear on my credit file as BRCLYBANKDE, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a credit card of some sort. On my XXXX report, there are inquiry date of XX/XX/2018. Neither of these did i authorize or give permission. They are a result of fraud.
Product: Credit reporting 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 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app fails to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I kept receiving bills from XXXX XXXX Department of Health Services ( DHS ) about some medical expenses i do not owe. I have n't used any of their services so this debt is absolutely not mine. Now I 'm receiving a " Notice of Debt '' from Linebarger Goggan Blair & Sampson , LLP attempting to collect this money I DO NOT OWE! I 've attempted to call several times and do n't get an answer and I am starting to feel extremely harassed by these collection letters.
Product: Checking or savings account

On XX/XX/20 I was browsing around my US Bank app and stumbled apon the monthly maintenance fee for my checking account ( silver package ), it said click the link to find out how to avoid the monthly maintenance fee. I proceeded to investigate and it stated my account would be free if I had direct deposits greater than {$1000.00} each month, at this point I was very upset because my direct deposits have been well over {$1000.00} each month for the past 5 years I've been a customer. I went to my local branch to sort this matter out and come to find out they got rid of my account package 2 years ago and i was never notified and they continued to withdraw money out of my account. The branch was only able to refund 3 months of service fees which I believe is unacceptable! My own bank has been stealing money from me for 2 or more years. Monthly maintenance fees are {$6.00} multiply that by 24 and thats {$160.00}, and if I've been wrongfully charged for 5 years thats {$410.00}. I also tried to contact customer service myself and ended up with the same results they are only able to refund 3 months. This is wrong and I'm reconsidering banking with US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian has two inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach XXXX to other credit bureaus such as XXXX and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or XXXX and Experian is refusing to remove fraudulent addresses. 


Thanks, XXXX XXXX
Product: Checking or savings account

About XXXX I sent dates and transactions sent XXXX identity theft form sent them numerous emails of who I thought used my identity threw reverse image search I showed them those people in my cash app was not people I knew and I could prove said individuals Cash app did not verify ID cause those people o didn't know and reverse image search threw my own investigation I can prove they was frauds and Cash app didn't ask for I D verification XXXX let criminals infiltrate my account
Product: Credit reporting or other personal consumer reports

They have reported XXXX overdue 60 day and greater, every month since last year. I have my credit report from last year which is completely different. The old report from last year shows Ally reported monthly and payments were up to date consecutively for the year, 2022. Since, I have had such issues with them accepted payoff etc, another complaint with Ally, they have now changed my payment history from 2022 until now. They have " revised '' my payment history making my credit score drop over XXXX points. This is now making it very hard to apply for a new used car loan with the new credit score the have imposed. Also, they will not close my account. They are adding late fees to me to pay, all the while my car was reported to them as a Total Loss. They refused to give me the payoff, then waited since, XX/XX/XXXX ( date of loss ) to accept payment and complete payment information needed by XXXX XXXX. They are making me pay for the delay and their refusal to accept payments. Refuse to give me the reimbursement for XXXX insurance that I paid for at the beginning of my loan!
Product: Credit reporting or other personal consumer reports

This can't be happening!! This company must remove the as they need to validate this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my consumer credit report that do not belong to me. I have sent the required document per federal law to have them removed including the FTC report, ID, proof of residency, and a letter including the accounts that must be removed. Experian has already received all of these documents. It has been more than 4 days. They still have not removed these accounts from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, Experian, and XXXX for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.
Product: Credit reporting 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 an 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
Product: Student loan

I had a student loan suddenly appear within the last week on my credit reports from 2007 for 'CitiBank/XXXX ' with a current balance listed at {$18000.00} and a highest balance of {$29000.00}. I have tried contacting numbers for both companies provided online but they only will allow me to go to automated machines with no menu option for a customer service representative. I am looking for verification of this debt including the original loan contract/MPN, an itemization of any interest or fees charged to the account and a loan payoff amount so I can settle the debt if it does in fact exist. If this information ca n't be provided I would like these loans removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Per : XXXX ( XXXX  # XXXX ) This company is not licensed or registered with the XXXX to do loans in Indiana now or when this loan was made ( Acct # XXXX ... XX/XX/XXXX open date ). This company is now attempting to collect with the legal processes and has put negative information on my credit report damaging my credit standing with potential lenders. 

I have disputed this transaction recently and since then I have gotten a report of XXXX late payments on this account even though it remains in a charge-off status ; thus damaging my credit rating even further. 

Please investigate and let me know your results. 

Thank you.
Product: Checking or savings account

I have had a checking and savings account with them for almost 6 months now and was told that i would not be charged a monthly fee for either accounts. I filed a complaint last month because when I made my normal employee check deposit for the same amount every month, they gave me a receipt saying that the funds would be available the next day but then changed it to 4 days later afterwards. They are now charging me $ XXXX   monthly service fee which is not what i have been charged nor was I told at the opening of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.
Product: Debt collection

convergent outsourcing sent me a bill for a past due amount of XXXX for a XXXX account # XXXX and offered me a settlement for XXXX I email them and told them I was disputing the account as I have not had a XXXX account in over five years also I called them and told them to crease contracting me as XXXX cancel my services because their cell phone was not working and I sent the cell phone back to them
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to complaint ID # XXXX. 

Transunion did not fix the issue at hand. You closed my last complaint stating authorization was needed. My name is XXXX XXXX XXXX, DOB XX/XX/XXXX SSN # XXXX, Address XXXX XXXX XXXX XXXX FL XXXX, Telephone Number # XXXX. Thats all the verification you should need and I will attached my drivers licenses as well. 

I am filing another complaint because Transunion is advising that they verified this alleged Bankruptcy Chapter XXXX Docket # XXXX with XXXX XXXX XXXX Bankruptcy Court onXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ireceived a signedletter dated XX/XX/XXXX from XXXX Bankruptcy Court XXXX XXXX of Florida where I reside, advising me that they DO NOT verify or report bankruptcy filings to the credit bureaus or third party data furnisher agencies. Transunion sent me a letter dated XX/XX/XXXX, File Number # XXXX continuing to LIE andstate this allegedbankruptcy was verified by the courts, without sending me any documentation or PROOF of an actual investigation. You've asked me to provideproof well today is your lucky day!!! 

I have attached a signed letter that I received directly from The U.S Bankruptcy Court XXXX XXXX of Florida for your review. 
DELETED this unverifiable, invalid, inaccurate bankruptcy from my credit report or I will file litigation immediately! 

In addition, TheU.S Bankruptcy Court XXXX XXXX of Florida also advised me that TheFair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit-reporting agencies. 
After I did some additionalresearchPer the FCRA it states that the XXXX and XXXX XXXXverifying this information is not recognized as proper validation. 

Please send me an updated copy of my report once the bankruptcy is DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XX/XX/XXXX. I never receive a response. All of my communications are sent via priority mail.
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/XXXX. Since the the date of last activity has been inconsistently updated. On XXXX the last active date is XX/XX/XXXX. On Experian the last active date is XX/XX/XXXX and XXXX the last active date is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same.According to the washington state 's fair credit reporting act ( RCW 19.182 ) requires credit reporting agencies to maintain accurate credit reports. Please delete this account from my credit report. 
Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called XXXX, Experian and XXXX and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
Product: Vehicle loan or lease

We have a fixed rate auto loan with XXXX XXXX. We pay extra on the loan most months and noticed that the amount due on the bill fluctuates each month which should not be possible given that the loan terms are fixed. ( Background : My career and XXXX XXXX are both in finance ). 

I called XXXX XXXX today and spoke to employee ID # XXXX. I described the problem and was forced to listen to a recording about how additional funds were not applied to principle unless one were to jump through a bunch of hoops after each payment to get the additional funds applied to principle. What they do instead is apply the additional payment to future payments. 

By doing this they are overcharging me in interest as the additional payments are not impacting the outstanding principal balance they are intended for. The outstanding principal balance is the input in the calculation made each month when payment is made to derive how much of the payment goes to interest with the remainder going to principle ( as per any standard amortization schedule ). 

This practice is dishonest if not illegal. Why would anyone decide to give the lender money in advance if it has no impact on the total interest paid over the life of the loan? Literally they are taking this money as if I were now lending them cash interest free or if I am being paid interested on my advanced payments, they are creating a potential tax liability for me that isnt getting accounted for when I pay income tax. 

I asked the kid on the other line to tell me where on the loan documents I could find this unconventional and possibly illegal practice defined. He could only point me to the bill and didn't seem to realize that the bill was not an addendum to the contract or even on the same legal level. Finally, he asked " How can I help you? '' as if it wasn't clear what I was requesting to happen. The call was ended unresolved. 

Later after reading the loan documents I found where credits were applied in reverse order and it suggests that interest is also paid ( see attached documentation ).