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

XX/XX/XXXX Citibank Customer Service XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Citi MasterCardXXXX ( XXXX ) XXXX I am writing to you to demand my outstanding {$540.00} credit back with applicable interest and late fees. I was promised by Citibank to have the check delivered to me in 10 days. 
XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX signed a binding agreement with me to move my belongings from XXXX, XXXX  to XXXX, XXXX. I paid them {$540.00} deposit, but the moving company did not show up on the date they promised. They did not move my household that was packed up in boxes and they said that they did not have a new time for me when they will move me! I disputed the {$540.00} back from Citibank and I hired another moving company. 
Citi reversed the charge but the {$540.00} sit on my account Citi did not sent me my money back. 
Every time I call customer service they came up with a new lie. I was told before that the computer system was down, then the phones were down, and they could not send me a code to verify my phone number, then the XXXX representative said that my name was not on the account. 
I closed all my Citi accounts and demanded my money being sent back to me XXXX customer service representative from the XXXX put me on hold for 20 minutes verifying my identity on XX/XX/XXXX. We have got this far previously. But when the account is verified the representative HUNG the PHONE UP. 
From what I see Citi is not a bank but a criminal enterprise from the XXXX in business for embezzling American customers money. 
I was on the phone for 35 holding with the lying XXXX representatives to verify my account till they hung up on the XXXX of XX/XX/XXXX. 
I was on the phone verifying my identity for 30 minutes on XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 30 minutes on the XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 25 minutes on XX/XX/XXXX till the representative hung up. 
Citibank employees are trained liars! Citi customer service representatives have been trained by Citibank executives! 
Dated XX/XX/XXXX Citi sent me a letter saying that now my account is closed, and they reversed my dispute and sent the {$540.00} back to XXXX XXXX  who did not move me! 
I am outraged that Citi is allowed to embezzle money from customers!
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX, I acknowledge the receipt of your request. However, I must emphasize that it is not within my purview to disclose personal information openly, particularly given my unfortunate history as a fraud victim since 2000. As a result, I have taken measures such as periodic changes to my identification and hair color every six months, along with paying for an identity tracking service to monitor applications and contracts. Consequently, I am unable to provide you with the information you have requested. 

Per my rights as a consumer, I kindly request that you contact the relevant dispute departments to procure two specific forms : the application I signed with my attached ID and the contract I signed with my linked ID. This approach will enable me to validate the information I DO NOT recognize. Please be advised that this request is lawful and designed so I can protect my consumer rights. 

Regarding the address, I am not prepared to provide a lease, as it is irrelevant to the matter. Your responsibility is to report information that I can validate. I kindly request that you provide me with the application or contracts that I signed, which links me to these addresses. 

Furthermore, after thoroughly examining the numerous data breaches that Equifax has experienced, I am apprehensive about sharing my personal information with Equifax, LLC. It is crucial to remember that I am the consumer and have the right to request the necessary files to validate negative or erroneous items on my report. As an additional point of reference, I mailed this letter and an enclosed letter from XXXX XXXX concerning a recent data breach notice. 


XXXX XXXX XXXX Without XXXX
Product: Debt collection

My dispute is not with the medical bill that was owed/paid. It is with the not acceptable collection tactics used to attempt to collect a debt. When I received the original call from this company I specifically and verbally informed them to cease and desist all communication with me and to NOT contact me again. They continued to argue with me and told me they will continue to call me or put it in writing. Under the FDCPA when a consumer verbally tells a third party debt collector to cease and desist whether verbally or in writing they are to cease all collections on the account. The FDCPA does not state it must be in writing. Once this call was over I immediately called the original creditor to file a complaint against these clowns. I spoke to the manager of the billing department for XXXX XXXX XXXX. I expressed my concerns over the third party collection practices used to collect a debt. The collection manger apologized for their unprofessional tacky actions and I was assured they would pull my 2 accounts placed with them. The collection manager further assured me I would receive no more contact from this company. On Tuesday XX/XX/XXXX @ XXXX est I get a call from wyndham Professionals and their manager XXXX . When he first called me he said " hey XXXX he id self and company I had no idea who they were because it was awhile since I spoke to them, he then says I am calling you regarding a debt you have in my office and wanted to follow up with you per the conversation we had over a week and a half ago. Once I realized who it was I was livid and told him you were already warned to not call me again over this debt he began to argue with me and I ended the call. This wan na be manager/collector disclosed I had a debt with them and did not fully authenticate me further more did not read me the mini miranda prior to disclosing I had a debt with them. In addition the debt he was calling me on was paid in full the other debt was placed with another collection agency and will be paid in full XX/XX/XXXX. 

This third party collection agency violated my rights under the FDCPA and continued to call me after I verbally told them to NOT call me back, also their client pulled the files and told them to NOT contact me. I get a collection call on XXXX XXXX  over a debt that was paid directly with the client.
Product: Credit reporting or other personal consumer reports

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account info Account name XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$650.00} Balance updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft since XX/XX/XXXX. I have reached out to XXXX and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.
Product: Student loan

Mohela has been in the process of transitioning to a new loan servicing platform. I had received notification months ago regarding the impending transition. Yet a month later, they called off the transition. Finally on XX/XX/XXXX the transition began, unbeknown to me. I received communication on XX/XX/XXXX my loans would be coming out of deferment/forbearance on XX/XX/year>. Due to my auto payment and the fact the notification came after XX/XX/XXXX, it was my understanding the XXXX payment had already been posted. I found out today that is not the case and I have been accruing interest the entire time. I had not requested the deferment or forbearance and the customer service representative called it an " administrative deferment '' due to the platform transition. I don't think I should be accruing interest when I didn't request the pause on payments. I also think it was possible to send a plainly written letter letting me know payments would be pausing but interest would still be accruing for 2 months. This way I could decide if I wanted to manually submit payments and correspondence could have detailed how to do so. This feels very predatory!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX XXXX XXXXXXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}
Product: Debt collection

They have n't actually threatened legal action but I am having trouble paying what I own. I am on a payment plan and I have been paying on time every month for at least 6-8 months. I have not received a bill in 2 months. Got a letter last month saying I was late. I paid it. Did not receive a bill this month. I attempted to pay online - their online service does n't work. I attempted to call the number on a bill stub from a previous bill - the message says they ca n't take the call due to unforeseen circumstances and hangs up. I called a different number on their website, spoke to someone who said he 'd transfer me to the correct department.. he sent me to the same number I had previously dialed and I got hung up on again. Tried calling back the number where I actuall talked to some one and 4 times I have been sent to voice mail. I left a voicemail, I filed a complaint on their website. I have not been contacted from them. I am working hard to raise my credit score and pay my debts but I am at my wits end with this company. There is n't even an address on the payment stub for me to send the payment without a current bill. How am I supposed to pay it when I ca n't get any cooperation from the 3rd party collection agency?? Being late with them will report negatively on my credit since a payment plan is in place.
Product: Debt collection

In XXXX of XXXX the company neglected a roof leak and state mandated item cause my leasing agreement to be broken. I have attempted to rectify and even filed suit in regards to retaliation for request to repair. The amounts charged have not been solidified or over charged by more than {$2000.00}. Please be advised I am actively in a lawsuit & have not authorized any of my information to be shared.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for what I feel is improperly removing point for credit scoring. Over the last few month my credit score has decreased XXXX points. an excesses amount of XXXX point at one time, I have reviewed my credit on a regulars bases All account are current not late payment. A bank loan was paid off credit utilization had decrease, yet my score has continuously decreased. I have also requested that unauthorized inquires be remove as well as loss point to be restored. The removal of these point affect my credit worthiness and the ability to make large purchases.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am truly shocked and disheartened. As a law-abiding citizen, its deeply upsetting to have my rights as a consumer disregarded. My credit report contains items resulting from fraudulent activity, from which I received no benefit. Despite already reporting this issue to the Federal Trade Commission, these items remain on my report, causing me significant XXXX.
Product: Money transfer, virtual currency, or money service

I requested a refund from cash app for sending one but to women by accident. Cash statement that they could not help or they did not try to help me. This is under my cash app name isXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$100.00} item on XXXX. I wasnt provided the currency I bought. Ive gave them multiple photos and afew video they told me to go to my bank chime. When I went there they told me, its not there problem an agent said.
Product: Checking or savings account

XXXX payments was accidentally sent out and I couldnt receive it back
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realize I have damages on my credit report according to the 15 U.S.C 1681 laws there should not be any damages on my credit report it is a defamation to my character
Product: Mortgage

XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud. 
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid. 

I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ). 

I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere. 

PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly. 

Thank you! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

I reported the capital one inquiry as fraudulent with XXXX and it is not going away. I contacted Capital One Auto over the phone and they requested I mail in the following : Name, DOB, address, SSN, fraudulent application number, and identity theft report. I mailed all this in to them and they are saying its still not enough proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file.The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

When we first brought our home XX/XX/XXXX, we did not know our mortgage was a balloon rate and would increase tremendously, we refinanced in order for our mortgage not decreased. In the process of paying our mortgage, I was preparing for retirement. 

We found out that we were scammed by a company called XXXX XXXX, who said that they will pay our mortgage payments, we were not to pay the mortgage people, they will, thought they were paying our mortgage, until we were threaten with forclosure notices, XXXX worked with us and deferred our missed payments. When they sold our mortgage to Selene, they wanted us to start paying towards the deferred amount in our monthly payment. 

We had two  modifications, the first was in XXXX and the second was in XXXX The modification appears to have a balloon feature which means that the entire mortgage comes due and payable in just a few years. Were you made aware of this? 
I was aware of the first one being in a balloon, I was not aware of the current being in a balloon rate as well.
Product: Debt collection

XX/XX/XXXX, LVNV, which is also Resurgents Capital Services continue to lie and say I still owe money. The agreement was XXXX and I paid XXXX. I've stated why. it was paid on the XXXX. However, it doesn't matter the reason, but payment was accepted. Even though payment was accepted by Resurgents, you are still claiming I owe you money on this over the statue of limitations account. This, is called illegal collection practices, lying to consumers and illegally reporting incorrect information across my credit reports. 
I've tried and now I will be sending my documents to an attorney and the State Attorney 's Office because this is not right. So, if you think this case is closed, it's NOT.
Product: Credit card or prepaid card

I am writing to SYNCB/SYNCHRONY MAST ( Opened XXXX XXXX, 2017 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/SYNCHRONY MAST agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Product: Debt collection

I am getting repeated calls since XXXX XXXX from this entity calling from XXXX They are ssking for some other person who I do not know. I have had this cell number for many years. I tell them it is not me and to remove me and they continue. I call back and they say it takes two days but now it is numerous harassing calls and they number they leave to call back is this same number but the voicemail is full so they hide behind the fact that you can not leave a voicemail. The first day it happens I did leave a voicemail but now can not. Please prosecute pas this is not me and they continue to harass me. XXXX XXXX is their reference.
Product: Credit card

I paid off this account, but it's showing as closed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice dated XX/XX/2019 from existing tenants insurance provider ( XXXX XXXX ) stating a change in policy terms. Decision is based on missing, fraudulent, incorrect information reported to/from LexisNexis Consumer Center. I moved to new residence XX/XX/2019. Hired moving service ( XXXX XXXX XXXX ) to perform move this day. Two men showed up early morning and took all day ( several hours ~9 ) for the 2 men to handle- were extremely slow and visibly seemed inexperienced : didnt have supplies, packing tape, wardrobe boxes, boxes for dishes ; were unprepared. I informed XXXX XXXX regarding several items still remaining at old residence ( large amount of clothing, dishes, other household items ). Team of 3 was sent the next day, XX/XX/2019, to finish the move. 

XXXX damaged bedroom wood furniture XX/XX/XXXX. I informed XXXX XXXX  same day ; stated would take responsibility for repair costs covered under its own liability insurance. During this time, my tenants insurance provider was XXXX XXXX which didnt provide coverage for any of my moving damages. XXXX XXXX stipulated its insurance coverage is for intentional ( vandalism ) damage ; that its insurance didnt offer nor cover for moving damage. No information should have been reported to/from LexisNexis Consumer Center. I didnt use XXXX XXXX to do repairs to furniture. I used XXXX insurance to cover repair costs for damage its own moving service caused. Premiums paid to XXXX XXXX allotted to basic coverage which excluded moving damage. 

I shouldnt be penalized for negligence of XXXX movers nor should fact that XXXX XXXX didnt provide moving damages in its policy be overlooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights have been violated several times. 

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

According to 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, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job and it is affecting me a big deal as i used PayPal quite frequently. They are holding my money and not letting me withdraw it, and this is illegal. 
My email linked to my Paypal is XXXX XXXX