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

My card was skimmed at a atm so my information was stolen. I disputed the charge and got the money credited back to account. Bank of america didnt close the card i reported stolen so my money was taken again. Now they have made my account negative and is taking my unemployment im getting and putting it towards negative balance. When i call the claims department i never get through ive waited on my phone for 3 hours and never get to speak to anyone.
Product: Checking or savings account

I opened my account XX/XX/XXXX to recieve my payments from selling Bitcoin Via XXXX. I didn't have a Debit card yet so I attempted to send my funds ( XXXX ) to my step Dad and Instead my account was locked. When I called and explained the problem and What I was trying to do The person on the phone asked will I be sending money to him often I said yes he acted like he u der stood. He told me to try again in 30 minutes so I waited an hour, tried again and my account was locked again. I called a second time, this time I was told to make smaller payments or move the money outside of XXXX so I sent a smaller payment of XXXX 2 days later on the XXXX. My account locked again and when I called they told my they will not open it again and my funds will be sent out in 7-10 business days. For weeks I attempted to send proof of my payments and no one accepted them until XX/XX/XXXX I called and someone finally told me I could send in proof. I go in the next day on the XXXX and fax over my proof of purchases as requested. I sat in the Bank for an Hour and the man there sat on the phone and pretended to transfer my information over and verify me. I left and waited for weeks and nothing happened but for sim reason the bank was sending letters saying they took money out after I've sent all my documents and proof. So I called the XXXX and they told me they see the request to send in proof but no one ever sent it in and he didn't know why either. He told me redo it and this time send it as a XXXX bc I was never supposed to fax it so I came in the XXXX and resend them to the man at the other branch in XXXX. I've still been waiting for new information no one has sent anything and I have been struggling and behind because of it. Every time I listen to the bank they make it worse for me every move I made was bc they told me to do it and then they lock my account and treat me like I did something wrong
Product: Bank account or service

I opened a CitiGold checking account with Citibank on XXXX XXXX, 2016. While opening the account I applied for an ongoing promotion for XXXX XXXX XXXX miles. Before opening the account, I checked with a CitiGold account specialist to make sure I am eligible for the promotion, and was told that I am. After opening the account, I received a written confirmation stating the promotion disclosure. I completed all the requirements of the promotion within the time limit. After completing the requirements I again checked with an account specialist, at which time I was told that the promotional miles would be deposited within 90 days. After waiting for the 90 days, I again checked back, and now I am being told that Citibank is not going to honor the promotion, because according to them they were not supposed to target me for the promotion.
Product: Debt collection

I have paid in full the account in Collection with Aldous regarding XXXX XXXX - Personal Services. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/XXXX I filed an ACH transfer on 53.com to send {$8400.00} from my XXXX XXXX account to Fifth Third bank. The transfer did not complete due to my middle initial being present on one account and not the other. Funds never reached my XXXX XXXX account and the amount debited from XXXX was never returned. I have filed disputes with both banks and they have both insisted that I need to file a dispute with the other bank.
Product: Credit card

On XX/XX/year>, a charge was made to XXXX XXXX on my husband 's ( an authorized user ) card. We were asleep at that time in XXXX, so we did not authorize this. When I received the alert that it was posted to my account, I called immediately. It was XX/XX/year>. The rep stated she saw a {$500.00} charge to XXXX XXXX that she had already taken care of. I said this was the {$330.00} to XXXX XXXX and was already posted. Anyway, I assumed she took care of both, but didn't. She canceled the card so I had no way to dispute it online. It wasn't until XXXX calls later, through all of XXXX, that I finally found out that it had never been done. Since then, the company checked with XXXX XXXX who said since the person making the charge was allowed onto the plane with correct ID, that the charge stands. BUT we NEVER authorized the charge. Just because the airline checked the person 's ID, doesn't mean the ticket was purchased correctly. It was purchased through fraud. This person, a XXXX XXXX, fraudulently used my husband 's card, our address, and an email address that was extremely similar to his. This is fraud, clear and simple, but the credit card company is wanting me to pay the full amount rather than the legal amount of {$50.00} allowed by law. Plus, I believe someone should attempt to stop this XXXX XXXX. This obviously was well planned. To purchase a ticket and then be on a plane XXXX hours later while the legitimate card owner is asleep was well planned. This person tried to buy XXXX tickets, but only got away, on our card at least, with XXXX of them. This XXXX XXXX needs to do a better job not allowing fraudulent charges to even happen. And I want them to remove this charge from my account or charge the {$50.00} maximum amount allowed by law because this is INDEED fraud. They have never explained to me how ( text, email, phone call ) I or my husband " authorized '' this charge from XXXX miles away while asleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2023. I sent off a investigation letter to make sure all accounts on my report was thoroughly reviewed and 100 % accurate. 

The Credit bureaus stated Account Name & Account # XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX. was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well Was properly investigated but how is that possible if the XXXX XXXX is inaccurate, The XXXX XXXX XXXX is inaccurate.The XXXX XXXX is inaccurate.The XXXX XXXX XXXX is inaccurate, and XXXX XXXX XXXX is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have to pay money to freeze my credit due to XXXX XXXX egregious error. Because of XXXX XXXX fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
Product: Credit card or prepaid card

On X/X/2017 I submitted a complaint about a charge on my card totaling $ XXXX and amex responded that they are not willing to give me the bonus points for signing up for the card. However they also said they are not willing to refund the $ XXXX debited to my card for amex travel being that these flight were already takes. THIS IS 100 % NOT TRUE. the $ XXXX for flights booked with amex travel on XX/XX/XXXX were cancelled by the fraud prevention team and we never took those flights. Just lookup the PNR confirmation number. We are therefore are still owed the $ XXXX on the card XXXX2017* AMEX TRAVEL PURCHASE WITH MR POINTS {$22000.00} Doing business as : XXXX XXXX XXXX XXXX Reference : XXXX Category : Other - Miscellaneous
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
Date account opened : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX # of Month of terms : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and XXXX 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
Immediately delete this account from my credit report according to
Product: Checking or savings account

Optum Bank has not made any of the enhancements to their system that they promised in their response to CFPB complaint # XXXX. Please note that the complaint was submitted over two months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just closed my complaint stating a Duplicate complaint which is not the complaint number XXXX that complaint was about the XXXX XXXX  letter stating I do not owe any Debt money nor is the XXXX XXXX  reporting a debt. My recent complaint is stating why is Experian reporting a Debt Collector XXXX XXXX XXXX XXXX as an installment loan on my credit report for {$270.00}. Under the Fair Credit Acts a Debt Collector is not a Banker. Experian has let XXXX XXXX XXXX XXXX open an installment loan illegally in the name of XXXX XXXX  on my credit report then reduced my credit score by 50 points with out any legal documents that state I had installment loan with XXXX XXXX  that is deceptive practices. I have also notified the proper authorities to have Experian prosecuted for fraud and invasion of privacy. I have sent Experian Credit Report showing XXXX XXXX XXXX XXXX as an installment loan. Experian why do you not send this complaint to your furnisher?
Product: Debt collection

They called me XX/XX/2024 asking me personal informationa like my social and to varify it but refused to disclose what it was about. Then hung up the phone because I wouldn't give them the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, weighed my credit score down for months even after I disputed them and XXXX XXXX XXXX was placed to times on my credit and deleted. I had even sent letters and it took months after the creditor requested to be removed. Equifax has had so many errors at my expense its not right. The time frame is forever as to correcting the credit issue as well as my score not changing due to errors. Equifax has many issues that even with employment been sent to you address phone number XXXX uploaded Pay check uploaded and still wrong spelling of company incomplete information. If Equifax is updating as said month after month why has it been over 6 months and the information is still wrong. I have filed so many complaints to errors made on Equifax part.
Product: Credit reporting or other personal consumer reports

I requested a copy and proof that I owed this debt. They sent me a copy of the invoice and balance due however they reported an amount to the credit bureaus twice this amount and refuse to change it. They are showing {$10000.00} owed at all credit bureaus but sent em a letter claiming {$5500.00}. I am requesting the balance be updated and this account be deleted from my credit reports becauase of not being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and XXXX  did the dispute investigation and XXXX changed it to report # XXXX joint mortgage XXXX XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX  XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven XXXX and XXXX and Transunion it was a XXXX for XXXX XXXX  at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX VA FOR APPROX 90 K as per. The attached good faith statements from XXXX which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX   each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on XXXX XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX  THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX. where the stated XXXX XXXX BANK NOTE WAS ISSUED
Product: Debt collection

We had an auto loan with First Niagara Bank and without our knowledge, the loan was purchased by Keybank. Our payments were made electronically to First Niagra every month on time. In XXXX of this year, we got a letter in the mail from Keybank stating we were in default. I called Keybank and spoke to a customer service rep and he asked me to email him a history of our payments and proof that we made to XXXX payment to First Niagara. I did just that and we continue to get multiple calls each day. We then went to a local branch to deal with them. We met with XXXX, the manager of the local branch and gave her copies of all the documentation. She stated she would take care of it. It has been close to a month since we met with her and she is now avoiding my calls. We do n't know which way to turn.
Product: Mortgage

My payments went up $ XXXX and I was never told for about 2 years I was never sent an email or a phone notifying me of this nor an update on late fees on the missing amount so they would just hold the payment I sent in on time and not apply it to the payment due but would hold it till the next month causing damage to my XXXX XXXX and charging me late fees
Product: Debt collection

Hello, This a follow up to a prior complaint regarding a debt they say i owe What is sent is a letter saying they verified debt it contains no information on how this was verified and no documentation of items billed. Instead a a form asking me to sign a release if information. 

There is no information about the bill they are trying to collect on. How can you verify something you are asking for a release to be signed to be obtained?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that XXXX XXXX has reported with XXXX, XXXX and transunion, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer.

Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Checking or savings account

Goldman Sachs Marcus randomly closed my account on XX/XX/2021 for no reason, wouldn't tell me why. I had about { {$2000.00} } in the account, was going to move in more. I hadn't done anything with the account, so it was very confusing. They wouldn't provide any information " for security purposes, ''. They sent me to my linked bank to recall the funds which i was told is not possibe because it was not a debit /credit card transfer - this whole unfortunate turn of events is causing stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

For purposes of this complaint, CRA ( Credit Reporting Agency ) will define XXXX, Experian and XXXX. 

The CRA has failed to delete from my credit report delinquencies reported by XXXX XXXX XXXX that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been  refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s )  upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
Product: Debt collection

Hello thank you for considering my complaint. Ive never had to deal with this before so its all new to me. My young family of XXXX & I were living in an uninhabitable apartment in XXXX XXXX due to mold ( actual mushrooms growing out of our kitchen ceiling ) & we withheld rent for 24 days and then moved out. The apt was proven uninhabitable by a remediation company that took samples & by the citys code enforcement. After moving out we received a letter on XX/XX/2020 from our ex landlord asking for us to pay {$1800.00} for those 24 days of XX/XX/2020. We wrote a letter back saying we do not owe the debt and the reasons why. Another month or so later we received a debt collection letter from Caine & Weiner ( attn XXXX XXXX ) for that debt that the ex landlord was trying to collect. We sent a dispute letter to debt collector in response within the 30 days. I also sent in a letter explaining to the debt collector explaining why do not owe the debt including pictures of the mushrooms, mold reports, etc. Just recently, we received our 2nd debt collection letter from the same person/collection agency and am not sure how to move forward. Any help would be much appreciated. Thank you very much!
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report.FTC ID  Theft Report # XXXX