23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was solicted ( in XXXX XXXX ) through the XXXX Mail by Citi Card to participate in a promotion to sign up for the XXXX program, a company with which I have an airlines sky miles account. The promotion offered XXXX miles in return for using the card to make {$1000.00} in purchases over the next 3 months after approval. I applied online and was approved for the card. I made the purchases of over {$1000.00} dollars during my first month but the miles did not appear in my XXXX account. When I called CitiCard on XXXX/XXXX/XXXX to inquire about why my miles had not been added to my XXXX account I was told I was not eligible for the promotion because I had previously had an account with Citi in the past 24 months that had been cancelled. CitiCard knew this information when they sent me the solicitation. Citi Card did not inform me when I signed up and was approved for the card that I would not be eligible for the promotion. They XXXX let me spend money on the card knowing that I would not be eligible for the promotion. I believe this Citi Card " come on '' offering promotions knowing full well they will not award the the promised award is both a deceptive and fraudulent business practice and that Citi Card should be held accountable. Had Citi Card notified me that I would not be eligible for their promotion ( they did not ), I would not have signed up for the new account but would have instead used my XXXX credit card. They are deserving of my business. Citi Card is not. I have cancelled my Citi Card account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Applied for a cellphone service through XXXX XXXX. All approved, phone ordered. Went to store to buy the phone, setup the account etc. but received awful service and rude salespeople. Decided in the shop NOT to continue with the service setup and told them I no longer wanted the phone or service. Never received or even touched the phone, never activated or started service with XXXX. Decided to go with a different company. 

Received a collection bill from XXXX in the mail. Called them 3 times to try sort out, every-time going through the whole same explanation and EACH TIME they can see no service was even started, they apologize and promise they would fix it. 

Then I got a credit alert from Experian that there was now a delinquent account on my perfect credit report and my credit score has dropped substantially. Immediately looked into this, saw it was from XXXX and submitted a dispute online through Experian. 

Once AGAIN called XXXX XXXX to sort this out and once again I had to explain the whole situation, once again got an apology from XXXX and promise to sort it out and contact the credit bureaus to remove the negative report. 

I then get a result of the dispute from Experian to say " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So basically this INCORRECT information is still on and affecting my credit report. XXXX has admitted their mistake to me every time I called them but this is still not resolved on my credit report!
Product: Checking or savings account

Today, I noticed and contacted my bank [ Bank of America ] concerning two unauthorized check card charges for {$290.00} and {$150.00} Re : XXXX XXXX. I did not authorized these charges and this has created a financial hardship because the money withdrawn may create overdrafts and fees because it has created a deficit balance in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit report.
Product: Credit reporting

Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability & transparency is unacceptable & raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. 
These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$1100.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX 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
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against NewRez for Mishandling of Escrow Payments during XXXX Forbearance Period Dear Sir/Madam, I am writing to file a formal complaint against my mortgage servicer, NewRez, for their failure to accurately process my escrow payments during my XXXX forbearance period as per XXXX XXXX 's guidelines. 

I was granted forbearance due to financial hardship caused by the XXXX pandemic, effective XX/XX/XXXX to XX/XX/XXXX. 

I recently discovered that NewRez failed to advance the full amount of my escrow payments, which has led to discrepancies in my account. This has not only impacted my financial standing but also puts me at risk of additional fees, penalties, and other possible repercussions including issues with my credit report. 

Specifically, I request that the full amount of escrow that was supposed to be advanced during my forbearance period be added to my XXXX deferral balance, in accordance with XXXX XXXX  guidelines . Failure to rectify this issue is in direct violation of the terms and conditions set forth by XXXX XXXX, and I demand immediate corrective action. 

I kindly request the CFPB to investigate this matter thoroughly and ensure that NewRez complies with XXXX XXXX 's guidelines regarding the handling of escrow payments during XXXX forbearance periods. 

Thank you for your time and attention to this serious matter. I look forward to your prompt action to resolve this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Between XXXX XXXX of this year, I contacted Macy 's credit card department via secure message to inform them of my financial situation. In the first message, I asked to be contacted by email or my mailing address. Each time I sent a message, I received the same message from them. It seemed generated and directed me to call them. Between XXXX XXXX, I submitted another secure message, this time ceasing all telephone communications as per Fair Debt Collection Practices Act ( FDCPA ). Because these messages were being ignored ( continued calling ) & the responses given were all the same, I mailed a CEASE letter to the address provided for correspondence on XX/XX/XXXX. According to the tracking, this letter was delivered on XX/XX/XXXX. With each submitted request, this company was given plenty of time to remove my number from all their communications. Unfortunately, this company has refused to do so and calls have continued. In one day, I receive between 6-8 calls from this company alone. I refuse to answer, and this company can not harass and annoy me to answer. Whatever this company is trying to communicate through these calls can also be communicated in an email or letter sent to my address. I have already communicated with them regarding this debt and provided 2 other ways to communicate with me. These harassing and aggressive phone calls are not going to make money that I do not have suddenly appear. I know this company is within its rights to collect this debt ; however, they can not do it by violating my rights. Again, I have made every legal action and attempt to communicate with this company regarding this debt. by sending a letter detailing my financial situation as well as ways to communicate with me. This company has refused to comply with my written requests to cease all telephone communications. This company does not have the right to continue to violate my rights because they do not like or accept the response given regarding my financial situation and this debt. I am unable to resolve this matter amicably and professionally. This is the next step.
Product: Credit card or prepaid card

On XX/XX/XXXX, we purchased an air ticket for {$640.00} from a travel agency XXXX using Apple Card issued by Goldman Sachs. The flight was canceled but the agency refused to refund the ticket. Following Goldman Sachs 's directions, I disputed the charge with Goldman Sachs several times ( dispute claims # XXXX, XXXX ), reasserted some of the claims, and provided emails from XXXX as evidence of the flight cancellation. 

All the disputes were denied without indications of the reason except for stating that I had the right to see the information that Goldman Sachs gathered to make the decision. I requested this information 3 times on the phone on XX/XX/XXXX, and XXXX, XXXX ( this time with the agent under the name of XXXX ) but have never received anything. 

I do not understand why I am supposed to pay for the service that was not delivered and why Goldman Sachs failed to supply me with the information they gathered.
Product: Checking or savings account

On XX/XX/XXXX of 2020 I made a cash deposit on BANK OF AMERICA ATM located at XXXX XXXX, XXXX XXXX XXXX, FL. ( XXXX ). During the process of counting the bills the machine gave me error on the screen e stopped it, after a few moments the transaction of finished and a deposit receipt was issued recognizing. the error, but the money was short around {$1500.00}. 

I had this stack of money that I was saving for emergency, I wasn't sure how much exactly I have in the stack, but I counted the money in front of the camera I requested they to send me the video, but they refuse to, in the letter I just received telling the they didn't locate the cash they said they were there to help and if I would like to request the copies of the documents they relied on to reach the decision to call them, when I call them they told me that was a general letter and they would only provide those documents if they were enforced to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to a complaint made on XX/XX/XXXX concerning PayPal Credit, XXXX XXXX, XXXX XXXX XXXX, XXXX, and Synchrony Bank. I provided documents showing that I had a credit account with PayPal Credit and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. Synchrony Bank wrote to advise me on XX/XX/XXXX, that it would become the owner of my PayPal Credit account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my PayPal Credit account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. Synchrony Bank did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. Synchrony Bank responded to my complaint by providing information to my PayPal Credit account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the PayPal Credit account would be funded by them, instead of XXXX Bank, as of XX/XX/XXXX. XXXX XXXX XXXX claim to have bought the XXXX account, but Synchrony Bank claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX 's explanation is woefully inadequate and needs further investigation.
Product: Money transfer, virtual currency, or money service

I transferred money from my credit union using Zelle software which is integrated on the credit union app. After transferring the money and try to receive my money, Zelle said that Im unable to create an account because I changed my number a month ago. Basically they will not cancel any transaction or not refund any money after 15 days. I cant wait 15 days because that money is part of my monthly rent.
Product: Debt collection

XXXX XXXX XXXX reposed by car on behalf of Westlake Financial- I never received no letters, no phone calls etc. so while I was visiting my daughter with all of my belongings in car including my purse and my daily medication- was taken out of my daughters driveway. I took care of the issue immediately by making a payment, however no car, no purse, no medicine. I have talked to 10 people at westlake and attempted to call XXXX all day, in order to at least get my medicine. Finally after holding 60 min and then being told that I would have to do a callback someone called me 6 hours later, I asked about my medicine. I was told by the rudest person I have ever spoken with. That the lot is open by apt only and too bad for me. I have witnesses to the call. I said I need my medicine and again was told not her problem. So I am once again on hold with them. I am XXXX years old and quite disturbed by this and not one person will help me. By the way the confirmation number for my payment is XXXX I was also told by the XXXX XXXX XXXX that Westlake did not send anything over-
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name addresses on my credit report. Despite prior disputes, this incorrect name addresses remain listed : These name addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX & XXXX XXXX XXXX, XXXX XXXX, NM, XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a XXXX XXXX herself for a local XXXX XXXX and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because Huntington said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XXXX 's payment fur XXXX 's payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a XXXX XXXX is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.
Product: Credit reporting or other personal consumer reports

You Must follow the consumer law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX  stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to maintain proper security for the extremely personal information of millions upon millions of people. I was one of those people and now all the information you need to be identified as me is out there in someone else 's hands. I now have to live with the fact someone could use my information to open bank accounts ect. and there is n't much I can do about it. For the rest of my life this will be a possibility and not because of negligence by me but because a company entrusted with such personal information failed to protect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX XXXX. 

I sent them several emails requesting that XXXX  be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my XXXX report and the late payment for XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response
Product: Debt collection

I have sent multiple validation letters regarding validation of this debt. I have received nothing in return. I am trying to buy a house at the moment and this debt is not allowing me to.