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

We've requested reward program details from the Citi Costco Anywhere Visa card multiple times. In response to a previous CFPB complaint, Citi responded with a form letter referring us to their website. In a recent chat session with Citi 's customer support, we requested a specific link to find details about the rewards program, including any exclusions. The agent stated, " there is no such link from the bank 's side okay. '' When further questioned aobut where to get program details, the agent continued to insist that Citi does not have the requested information and directed us to contact Costco. We recognize it is a partner program, but Citi is the card issuer and should provide program terms and conditions, including any reward program exclusions.
Product: Checking or savings account

Subject : Opened two accounts ( One checking and One Saving without my knowledge ). 
On date XX/XX/2021 - I received welcome email from Wells Fargo regarding two accounts opened on my name. I called them immediately and reported fraud. They have done investigation and informed me that it was fraud as someone opened account online behalf of me. Personally I figured out that there was no inquiry to credit bureau and there was no any inquiry on my credit check. I called multiple times bank and requested information but they didn't provide satisfactory information and closed the case. After receiving letter that case has been closed, I called them and they said, it was online fraud and you are protected. I would like to know details regarding case because I am doubt that these both accounts opened by Wells Fargo only without my knowledge. Below are the details may required : Wells Fargo - ( Fraud Case no : XXXX ). 
Two accounts opened below - ( 1 ) XXXX XXXX  account - XXXX ( 2 ) XXXX account - XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX and XX/XX/XXXX I didn't give them permission to run a hard credit check. I contacted there head quarters spoke to two people who told me they don't know why they would do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of the Privacy act of 1974. Old National Bank who holds the loan on my car has been distributing my social security number illegally and continues to do so after giving proof and requesting multiple times for them to stop. Due to Old National Banks negligence my information is being sold on the dark web, loans by strangers have been attempted in my name, large amounts of purchases have been made without my authorization. I have and still am currently all of the above as well as continuing endured great financial loss. I've contacted Old National multiple times, sent them proof that they are using my social security number as a reference number on multiple documents and inform them of the results of their negligence but it continues to fall on deaf ears. Old National refuses to remove my social security number or even address the situation at all, the only thing Old National has done, is report to the credit bureaus that I have missed payments knowingly that they are solely the reason I can not make a payment due to all my accounts being frozen or closed because of them distributing my social security number and it being used fraudulently. Old National is the sole reason I don't have a bank account and that my credit has suffered. My credit has went from the XXXX to XXXX just in the time that they have been distributing my social security number. Strangers are purchasing my information for pennies on the Dollar on the dark web, my medical information is being used without my permission, there has been attempts to take out loans on other vehicles and credit cards, my credit cards have been maxed out by strangers who have gained this information through Old Nationals negligence.
Product: Credit reporting or other personal consumer reports

Subject : Complaint of Consumer Rights Violation by CollegAve Dear Consumer Financial Protection Bureau, I am writing to bring a concerning issue to your attention regarding a company called " CollegAve ''. As a consumer, I believe my rights have been violated by this company with inaccurate reporting on my credit report.

Attached to this email, you will find a screenshot that clearly shows the creditor remarks of the reported debt, stating that it has been charged off as a tax write off under the label " profit and loss write off. '' Despite this, CollegAve continues to report a past due amount, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This situation has caused great distress and frustration for me. I am concerned that I may be targeted by CollegAve and that I am not receiving fair treatment as a consumer. In light of this, I will be seeking the assistance of a FDCPA attorney today.

I kindly request that the CFPB investigates this matter and takes appropriate actions to ensure the protection of my consumer rights. Your prompt attention to this matter is greatly appreciated.

Thank you for your attention and for the essential work that you do in safeguarding consumers ' rights.
Product: Debt collection

I worked for a XXXX XXXX  where you can purchase from there site one you earn enough pointsThe same computer that we are supposed to keep track of each resident care plan my log in information was left in the computer where someone got into my account and purchased items that I wasnt even aware until my credit report was pulled upon me getting ready to purchase a home an that being on my credit has been hendering me on my purchase do to that being on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX equifax and XXXX about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.
Product: Credit reporting or other personal consumer reports

My late payment was due to badcock closing for good! They sent emails out of how to pay bill when you use the link its expired doesnt work. I went to the new furniture store for the information to make payments so for a few months I wasnt able to get anyone
Product: Credit card

My wife and I were contacted in the morning of XX/XX/year> with a suspected fraud alert for our credit card with Bank of America. Charges originating from XXXX were flagged and in total {$840.00} were charged to our credit card fraudulently before the card was suspended and we were requested to confirm if they were fraudulent charges. 

We confirmed the charges were fraudulent and our card was deactived within minutes of notification. 

On XX/XX/XXXX, we were notified the claim was closed and that our claim could not be approved. The reason provided was that " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' Neither my wife nor I were in or have ever traveled to XXXX. Our credit cards were in our possesion at the time of the events. We were both at work on those days. We did not approve of any charges in XXXX. We believe our card must have been skimmed, duplicated, and sold to an overseas buyer. 

Subsequently, Bank of America has rebilled us {$840.00} and making us liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a financial hardship last year. As a result, I have late payments that was unpaid to you. But to ensure that your company incurred no losses I promise this wont be happening again.
Product: Debt collection

XXXX XXXX, Account Number xxxxxxxxxxxx XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX  XXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

XX/XX/year> - XXXX phone calls XX/XX/year> - XXXX phone calls XX/XX/year> - XXXX phone calls XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - XXXX phone call and XXXX text message to renew the loan XX/XX/year> - XXXX phone call and XXXX text message to renew the loan XX/XX/year> - text message and email for " extra cash '' XX/XX/year> - XXXX phone call, XXXX text about more cash available, XXXX text to renew the loan, XXXX email to sign documents XX/XX/year> ( christmas eve ) - XXXX phone call, XXXX text about more cash available, XXXX text to renew the loan, XXXX email to renew the loan XX/XX/year> - XXXX phone call, XXXX text about debt XX/XX/year> - XXXX text messages and an email about account renewal and documents to sign XX/XX/year> - XXXX phone call, XXXX text messages about renewal XX/XX/year> - XXXX phone call, XXXX text message about the debt, XXXX text message about renewal XX/XX/year> - XXXX phone call, XXXX text messages about loan renewal XX/XX/year> - XXXX phone call about renewal, XXXX text about renewal XX/XX/year> - XXXX phone call XX/XX/year> - XXXX phone calls and text about the debt XX/XX/year> - XXXX phone call and text about the debt XX/XX/year> - XXXX phone call and XXXX text messages about the debt XX/XX/year> - XXXX phone call about the debt, XXXX text about renewal XX/XX/year> - XXXX phone call and XXXX text about renewal XX/XX/year> - XXXX phone calls XX/XX/year> - XXXX phone call, XXXX coercive message about the account needing to be current by the end of the month. 
XX/XX/year> - XXXX phone call, threatening/coercive text message stating the following : " *my name*, you broke your promise, we must hear from you TODAY. Service Loan Company XXXX ( XXXX ) XXXX. '' I have made no promises to them and to go from " end of the month '' to you have today to contact us is an abusive practice from intimidation. They have clearly violated the FDCPA 's 7 in 7 rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX  to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/2022 to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Please verify Within 5 business days in compliance with FCRA XXXX XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Mortgage

Last month XX/XX/XXXX my condo unfortunately was foreclosed under fraudulent premises by XXXX XXXX XXXX that I plan to pursue in civil court. Since my foreclosure I have been waiting for the bank to contact me with information regarding what I must legally do next since they repurchased my condo. I have not heard from anyone, no written notice, not even a phone call until this past Saturday, XX/XX/XXXX when XXXX XXXX XXXX aka XXXX came into my condo. They came into my condo while I step out for 4-5 hours for an exam and repossessed everything in my unit. I was unable to go to work because they took my scrubs, personal hygiene supplies, etc. I had a business presentation that didnt go well because they took my suits and presentation materials. I called the police and they said nothing they can do because it is a civil matter. I have been calling them as well as my associates and XXXX refuse to talk to me or give me a rational explanation for what or why they took my belongings. I arrived back from my business trip XX/XX/XXXX so yesterday I resumed trying to contact someone about my belonging. They continued not to talk or give me an explanation for when, what, or where are all my belongings. The receptionist finally told me that someone from her office suggested that I contact The Agency who is responsible for my eviction notice. I dont know what they are talking about because it was XXXX XXXX that illegally foreclosed on my condo. 

Today, XX/XX/XXXX, I spoke to a representative for XXXX who told me that they threw all my personally and sentimental values in a dumpster. I filed a complaint with Florida Office of Financial Regulation. I dont believe they threw away my belongings as it was expensive clothing, suits, a safe, and hidden gold coins that were inside my tool bag. According to the law they were suppose to give me proper notice for eviction and furthermore any items they remove from my condo are to be kept in a secure storage for 30 days. Out of all the items they took, I want them to return the gold coins. My father gave me those coins to pass on to my first child in his name. Can you please help me.
Product: Mortgage

On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing ( SLS ). Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and has repeatedly requested duplicate information. In example, I submitted requested pay stubs for a non-borrower on XXXX XXXX, XXXX via email ; however, SLS again requested the non-borrower 's pay stubs on a letter dated XXXX XXXX, XXXX. Moreover, SLS requested income information for me, although the RMA submitted and various documentation illustrated that I was unemployed and not receiving any form of income. SLS has failed to process my application in a timely manner. SLS has also required to submit unnecessary duplicate information. In fact, SLS initially closed my application as a direct result of their own errors. 

Furthermore, SLS systems reflect that I have been approved for a workout program, but I receive correspondence that I am missing documentation that was previously submitted.
Product: Debt collection

Received multiple phone calls from Hunter Warfield concerning a debt to a property company with which I have had no dealings. Hunter Warfield attempted to validate the debt and noted that the individual responsible for the debt has a different SSN from me. Hunter Warfield confirmed that the debt was not mine over the phone twice and both times indicated that they would not be contacting me further. I made it clear that any further attempts to contact me regarding this debt would result in reporting Hunter Warfield to all relevant authorities for harassment. A short period of time after the last phone call, I began receiving emails regarding this same debt, at which time I began to register complaints with the CFPB and my Attorney General, gave an additional written demand to cease and desist, and informed Hunter Warfield of my intent register the relevant complaints.
Product: Debt collection

To whom it may concern I am filling a complaint against XXXX XXXX XXXX. Before the harassment began they never read me my mini Miranda right provided by the fair trade act nor told me I could dispute the collection account. After nearly two years of harassing phone calls and mail they finally stopped contacting me but now Im calling them to try to validate and settle and no answer nor contact back. Its almost as if they have disappeared and its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove fraudulent account from credit report. Exeter finance is fraudulent account in my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I had an influx of XXXX transfers from various users while using a XXXX party XXXX trade system called XXXX. The amounts totaled approx XXXX. Capital one has put a freeze on my acct stating that they need to do an investigation on why I am receiving so many payments. I explained that I was on a system called XXXX which uses XXXX to transfer money for credits. The rep that took my call was extremely judgmental, telling me I was a liar because one of the payments came from a users personal business. I already filed a complaint against the rep who refused to tell me his name and asked if I was being reprimanded because of something he doesnt understand. My acct is now closed with no course of action for me to ubderstabd what is happening. My bills and car note is attached, making me miss payments and affecting my credit. 

The rep also made a judgement call to terminate the banking relationship with me without even being on the call for more than XXXX total. He could see my picture and demographic details. I can tell when someone is beibg biased. 

I think its appalling that banks can freeze your money regardless of my ability to provide proof. I was told I did not need to do anything on my end which doesnt allow me to defend my actions and confirm the money was solid. CAPITAL One did not protect me as a customer by shutting away my access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This account appeared on my credit report today. I have never had a loan with this company and have never done any business with them. I was never contacted by them or mailed any correspondence. With no interaction or communication whatsoever this account appeared on my credit report showing it was from 2016. This is not my account. I want this removed ASAP
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian are reporting fraudulent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

SST/XXXX Placed a collections status on my credit report ( account number XXXX ) on XXXX without my written consent.
Product: Credit reporting or other personal consumer reports

There's an ignite card in my credit report. I disputed it two times and had it investigated. I called the company and they refused to talk to me about the account as it wasn't mine, yet said they couldn't remove it off MY credit report??? It's insane. It's not mine, this is the second time this has happened. It needs removed and ignite should have better policies in place. As well as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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

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

On XX/XX/XXXX I noticed a recurring charge of XXXX from XXXX but did not know what it was for. Contacted XXXX and no charge in my account was associated with the credit card. Called XXXX to investigate and close my account as I was advised it was the only way to stop the recurring charge, since XXXX could not identify its source. I was told the account will be closed. I declined to have another card as I do not use this account. 

In XX/XX/XXXX I receive an alert on Experian that my credit score changed due to a late payment. As I look further into it, I see it is from XXXX. When I call I am told not only that the account which I requested to be closed is still open but continued with recurring charge and I am now delinquent in. No resolution was given in the past regarding fraud report and now my credit has been affected. I am told the account will be closed and investigated. I am not responsible for charge of {$17.00}. 

On XX/XX/XXXX I see an email that I now owe {$35.00} and receive another alert of credit score decreasing further from XXXX now XXXX because not only is account still open now I am being charged fees. 

I have made multiple attempts with XXXX to resolve issue and not only have I not received support I have been lied to and damaged my history.
Product: Mortgage

I am still waiting for an answer from Iberia bank and its been over a month since they were contacted through this CFPB website, and still no answer from either IBERIA or CFPB. 
The affidavit submitted by XXXX XXXX on XX/XX/year> stands as truth today XX/XX/year>. IBERIA BANK chose acquiesce to admit to the deception of the contract that was written not as XXXX contract, all the documents are on file. This default will be used as evidence. Please respond accordingly. Contact me, text message or email if no answer on phone,