23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against Citi Bank, the lender for my Home Depot credit card, for what I believe to be repeated and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to communicate with them regarding my account 's current status, their practices have continued unabated, causing significant personal distress. 

Account of Events : Citi Bank has made repeated calls to my phone number, often hanging up before I can engage in conversation. Here is a breakdown of their calling pattern : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 to XX/XX/2024 : XXXX calls each day On XX/XX/2024, I informed a representative that their calling pattern was in violation of the FDCPA, specifically the provisions against causing annoyance, abuse, or harassment through repeated calls. The representative merely apologized and proceeded with the call, ignoring my concerns. 

Impact on Me : These repeated calls have caused me considerable XXXX  and XXXX, significantly impacting my daily life and well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, Experian is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Aim submitting this complaint to you today to request that they provide me copies of documents bearing signature to verify the status of the disputed accounts. If Experian failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Late Date XX/XX/20
Product: Credit card

Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.
Product: Credit reporting or other personal consumer reports

VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Apple Card account has been restricted for over 2 months now. Ive reached out to support as instructed and am either told XXXX hear from someone in 3-5 business days to resolve or that there is nothing they can do and I just have to wait. This has been going on for over 2 months with no answers. Ive reach out 3 times this month along with a number of times in XXXX.
Product: Debt collection

I 've received several calls from some who did not disclose their name, nor did they advise me the basis of their contact, but attempted to coerce vital and private information from me. All they seemed to have was my name, phone number, last XXXX of my social and an incorrect address that I 've never heard of. But when I attempted to ask what was the reason for the call, they refused. Because they refused, I requested that they not call me anymore, but they still insist upon calling. I 'm pretty sure that there should be no bill collectors calling me since I filed for in XXXX XXXX and received discharge of bankruptcy in XXXX XXXX. I 've since reverse dialed the number and it answers as Dynamic Recovery Solutions. My other major concern is identity theft. Is there anything that I can do to prevent the continued calls as well as find out if there is someone using my identity.
Product: Debt collection

My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, Childrens Place, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ XXXX XXXX XXXX of XXXX Georgia, and Comenity Bank of XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week Comenity began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, I am a Transferwise Customer with email address XXXX I am reporting this case because wise has refused refunding my money to me. 

My account was deactivated and I had funds on the account. On XXXX XXXX, XXXX  I submitted my bank details to wise for them to send the refunds to but I haven't heard from wise in this issue in which wise said that they were still running some checks However, on XXXX XXXX, XXXX  I received email from wise informing me that they have concluded their checks and would has processed the refund and they said it will take 2-5 business days for funds to hit my Bank.

However, I kept checking my XXXX XXXX I submitted everyday and there is no refund from wise into my bank account. 

I am demanding Wise to explain to me why they have not sent my funds to my XXXX XXXX  details within the 2-5 business days they promised and if they said they did, they should attach a proof to their response to this complaint. 

I need my refund to be sent to my bank My wise email address is XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX i submitted an inquiry to the irs as I had failed to receive my round 2 stimulus in the amount of {$600.00}. On XX/XX/XXXX of XXXX I received a reply which lead me to discover the funds were sent via direct deposit in XX/XX/XXXX to a checking account with NFCU I used on my XXXX tax return. An account which as of XX/XX/XXXX was no longer open. Instead of sending the funds back to the treasury as per my findings, so a paper check could be issued. Navy Federal diverted the funds to my savings account which while still technically active. Had not been used by me in over a year. In addition, as my contact info was not updated I did n it receive statements and my online access was non active. Navy Federal then allowed the funds to sit in my inactive savings for upwards of six months so I was informed by a representative, only to then be allocated to help satisfy a charged off credit card I have with the credit Union. When I spoke with them I did so with a good degree of understanding as far as their collection process goes. This XXXX due to my having been employed with them previously as a senior collections representative. That being said I know it is not standard procedure to divert direct deposit funds automatically to alternate accounts without speaking with the member. Especially when it comes to federal funds. I also know their collection system " XXXX XXXX '' monitors any pending deposits for members with outstanding lending products. So it was known my {$600.00} payment was coming prior to it even arriving and the diversion request made preemptively. I also know the {$600.00}! would have shown on the daily reports assigned to collections reps. So the moneys were left there intentionally but without a doubt monitored. I can only assume in anticipation of either new activity on my part. Or for enough time to pass for them to assume I'd never realize it was there. Mind you I was no longer using this account which statements show. Regardless, it never should have went to the savings in the first place. This rings of deception per my understanding of XXXX. While writing this I did attempt to pull statements to provide. Only to discover that while my savings is open, it is in a credits only status and my online access has been restricted. Per the representatives I spoke with however up to my round 2 payment being taken by NFCU the account was open and available for use. I had to request statements be mailed to my address. I do give permission for CFPB to request them for review purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

There is inaccurate information that keeps getting reported on my Experian report about my Home Depot credit card from XXXX ( XXXX ) They filed a 1099c cancellation of debt with the IRS discharging the debt on XX/XX/2020, which also means I paid taxes on this cancellation of debt that year because its considered taxable income. I filed a dispute with the company and Experian failed to report accurate and complete information. I have a transcript of my 2020 taxes from the IRS which clearly shows the debt was discharged on that date. If a debt was discharged, how can my credit report reflect a debt owed and past due balances for years after the debt was discharged? Experian is not doing their job according to the law.
Product: Mortgage

My name is XXXX XXXX Property address is XXXX XXXX XXXX, XXXX, CA XXXX My loan # XXXX XXXX XXXX My mortgage servicer is Rushmore loan management services , LLC Point of contact at Rushmore is XXXX XXXX XXXX ( XXXX ) XXXX last year I lost my job and got legally separated with my wife that's another income that I lost but now I have a good job and I work XXXX too, so I applied with KEEP YOUR HOME CALIFORNIA ( its a government help program ) and I got approved with them to reduce my principal and that was on Tuesday, XX/XX/XXXX with one condition that I have to apply for a loan modification ( APPROVAL LETTER IS ATTACHED ) with my mortgage servicer witch is RUSHMORE LOAN MANAGEMENT SERVICES , LLC so I downloaded the the application online and I found out that loan modification will not be accepted if i have a sale date within 37 days ( Put IN MIND I'M IN FORECLOSURE ) so I called my Mortgage Servicer on XX/XX/XXXX at XXXXXXXX XXXX ( XXXX ) XXXX ( I Attached My Phone Bill For Record ) and spoke with XXXX XXXX who handle my loan in the lost mitigation Department and I asked him clearly, Do I Have A Sale Date? and his response was NO NO, send me the application to work on the modification for my loan ( the conversation is recorded because he asked for my permission to record any call to him. 

I submitted the application with all the documents required according to their application on XX/XX/XXXX at XXXXXXXX XXXX ( I attached the Fax Communication Log ) then called on XX/XX/XXXX at XXXXXXXX XXXX XXXXo follow up and I was told that they need proof of rental payment which the have it in the bank statement because its a direct deposit and I told him that, and he said he will submitted himself. 
Then I called him on Tuesday XX/XX/XXXX around XXXX XXXX again to follow up with him due to the KEEP YOUR HOME CALIFORNIA letter expiration date on XX/XX/XXXX then his response was " sorry XXXX XXXX your modification was submitted within the 37 day of sheriff sale date, I asked him for help and he declined it, I asked him to speak with higher department they may make a dissension he also declined it then I had to call a lawyer today Wednesday, XX/XX/XXXX and he told me It's illegal to declined your loan modification it's not even submitted to the underwriter also my lawyer said that he can stop the sale and MAYBE get my mortgage servicer to work with me on my loan modification but no guaranteed and also my lawyer not sure that if they would work with me it will be done before my KEEP YOUR HOME CALIFORNIA EXPIRATION DATE WHICH XX/XX/XXXX, beside my lawyer asked for a lot of money which I don't have Then I had no choice but to call you for help and I would like to get modification done before XX/XX/XXXX because I CAN'T AFFORD TO LOSE THIS BIG HELP From KYHC. 

This is what I call home for me and my kids, and I'll do anything within my power to keep my home I worked so hard to get it and I put a lot of money in it, I can't lose it. 

Your prompt attention to this matter is very argent I would be very much appreciated for your help and if you have any more questions please don't hesitate to call my cell any time ( XXXX ) XXXX
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting

I went to the web site the federal government has to request my free copy of my credit reports from XXXX, XXXX and Equifax because I was contacted by XXXX about someone trying to apply for a credit card in my name. I received the reports from XXXX and XXXX and disputed some dis-information that XXXX had and they corrected it. Equifax sent me a letter telling me to provide more information like a copy of my social security card and a utility bill and I did that but I am opening up a complaint with you because while confirming their address online with the letter they sent to make sure I am not mailing something to someone who will defraud me, I noticed that a lot of people have had Equifax give them the run around and not give them their free report. I am very concerned that someone may have stolen my financial identity and done such a good job with Equifax that they do not think that I am who I am, live where I live and can prove it. If you would follow up and encourage them to do the right thing so that I can see if they have dis-information like XXXX did, I would really appreciate it. It is really sad that companies, whom I do n't know anything about, can collect identity and financial information about me, make mistakes and require me to verify their mistakes and then go through all of this to get them to fix the information they have about me. It is really sad that these companies make a profit doing this and it costs me so much time and worry. I wish the federal government was the only credit bureau that kept private information about citizens and that public or private companies were not allowed to do this. What with hackers and XXXX, XXXX and other spies around the world stealing our information, we need much better protection of our citizens and our personal financial and medical information. Our XXXX XXXX department should have a budget to do this and convert everything to their computers and shut down XXXX, XXXX XXXX and Equifax or hire all of their people and get control of their computers. Also, only XXXX citizens should be working for XXXX, XXXX and Equifax and this information should not be available overseas. Otherwise, what protection do we have that worldwide hackers and spies wo n't steal our financial or medical information and use it against US??? If you would help me get my free credit report from Equifax, I would really appreciate it. It is sad that I should have to go through this. The federal government has my social security number and I am attaching a utility bill. I mailed Equifax a copy of my social security card and the utility bill I attached to this complaint. Thank you for creating the CFPB. I really hope that this is the beginning of the federal government starting to protect our citizens on the internet and computers like our XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX protect XXXX. XXXX has to include protecting citizens private financial identity and our private medical identify as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to get a car financed with credit score XXXX ans was supposed to get pre apporoved credit got pointed without service of promise on contract
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a credit inquiry from XX/XX/2021 from SNYC/LOWES that I did not approve or initiate. When I spoke with the company using the phone number I was able to find they said they would remove the inquiry as I did not authorize it. It is still on my report- they told me it could take a few months - I have waited long enough and would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion credit, and ask why the reported a 91 point drop in my credit score. In talking with Transunion they would not provide me with a reason why my score was changed. Transunion did state that I had no negative reports on my credit that nothing had changed. My score was XXXX and went to XXXX  in less than a month. I can not get an answer from none of the credit bureau about my drop in scores.
Product: Money transfer, virtual currency, or money service

My cashapp name was somehow changed. I would like to access my original account as I believe I have money in it, and want to see my transaction history. I contacted Cash app repeatedly and this is the response I received. 

On Wed, XX/XX/2021 at XXXX XXXX Cash Support XXXX wrote XXXX Hi XXXX, My name is XXXX and I am the manager at Cash App Support. I understand that you are having issues with Accessing an Account. 

After reviewing your case, I can confirm that your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 
-- -- - So Cashapp is denying and blocking my access to my own account! And taking my money! Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Dear sir, Upon the request from TransUnion LLC, addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX, I would like to tell you that I never requested to get my credit report through your company, since I do not recognize your company name at all in my memory and I have never received any credit card from your company. If you have requested to TransUnion with my name, even if, it is my name it is not from me, because I do not know you. Therefore, if you tried to get my credit report, you did without my permission. Under the advice from TransUnion, would you investigate the matter whether you have opened an account in my name, XXXX XXXX. If so, you determine that someone fraudulently applied for credit card in my name, would you close that account immediately, because it is clearly against the law internationally. Besides, TransUnion requested you to contact this credit report company, XXXX, for a request of removal of your inquiry for my credit report in the past. 

Sincerely, I will send the letters with same content to the following companies. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( No phone number ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX  XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT I DID NOT GIVE ATHORIZATION TO THESE ACCOUNTS TO RUN MY CREDIT PLEASE DELETE PROFESSIONAL FINANCE XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

After disputing several accounts Under identity theft XX/XX/2024, I received an update stating accounts verified as accurate XX/XX/2024. I then requested proof of how they verified the validity and the account was accurate and belong to me.I did not receive anything.
Product: Debt collection

Receivables Management Systems are attempting to collect a debt that is not owed. I sent a dispute to Receivables Management Systems letter asking for the proper documents and signatures stating the I owe this debt, and I never received it.
Product: Checking or savings account

i Iam a XXXX XXXX year old man who lives on SSDI and my Mother whom is a XXXX year old widower woman we both depend upon our social security money to survive and buy food and other needs i was struck by a train 20 years ago she is my caregiver my XXXX year old mom then this bank that is completely erratic in polite and is totally wrong on how they think they can play with peoples money that in fact i or we do not even owe them a cent they owe us and they are refusing to give us our money deposited into their bank by the federal government which in fact is financial exploitation. No one Not even the XXXX office gives us a reason other to say they blocked our accounts and not letting us have access to our funds from the Government is a disgrace against The United States of America period. Who in XXXX  name do they think they are that they can hold over {$3000.00} of our monies just for sake off argument if we even and Do Not owe them anything. they can not make this rule hang onto our monies and say they will send us a check in the mail in 60 days is a real blow to mankind. This Guy who heads this bank XXXX XXXX the Chairman of the Board if you read this message hear this loud and clear read up and it says clearly Financial Exploitation or with holding money or medication in lawfully without justification and against a XXXX home care patient and a elderly senior citizens persons is a Federal Crime in the Great state of Illinois and i will reach out to the district attorney and attorney General and use their power to see you are arrested on this Federal Charge. i spoke to your secretary after writing yous and this must be retaliation on your part because i reported yous before to CFPB this same place and you were wrong then and are wrong now. you never even sent me a notice everyone i spoke with tells a different story everything i sent yous all the proof that we were taken advantage of y this payday loan company was sent fax by your own branch of chase bank hows that we had some issues with charges after the fact and the bank says file a dispute we did what they told us and the bank ruled in our favor