23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CONS HOME PLUS IS THREATING TO TAKE LEGAL ACTION AGAINST ME FOR ACOUNT # XXXX. MY MONEY IS FROM SSDI WHICH IS FEDERALLY PROTECTED BY LAW. I WISH THEY WOULD NOT BOTHER MY ANY FURTHER.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is selling deceptive information to Transunion and XXXX to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. XXXX XXXX did not receive any authorization from any court to collect this debt.
Product: Checking or savings account

ON XX/XX/XXXX, MY CHECKING ACCOUNT WAS DEBITED XXXX BY A MERCHANT NAMED XXXX XXXX XXXX I 'VE NEVER DONE ANY BUSINESS WITH NOR DO I KNOW WHO THIS MERCHANT IS. I DISPUTED THE TRANSACTION WITH MY BANK AND THEY TEMPORARAILY CREDITED ME BACK THE XXXX ONLY TO TAKE THE MONEY BACK ON XX/XX/XXXX ALLEGING THAT THE MERCHANT PROVIDED THEM WITH DOCUMENTATION WHICH IS FALSE AND BOGUS. I 'M EXTREMELY UPSET BY THIS INCIDENT AND I WANT THE MATTER INVESTIGATED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.
Product: Debt collection

My bankruptcy began in XX/XX/XXXX and was finalized XX/XX/XXXX. My lawyer has sent two letter to the company, and I have told at least 5 of their reps that have called and text me that I filed bankruptcy. The company did not hop on the call to dispute the write off, and then today, XX/XX/XXXX they somehow managed to pull funds from my bank account.
Product: Credit reporting or other personal consumer reports

I have a letter dated in XXXX  stated that a XXXXXXXX XXXX account has been deleted from my credit profile. XXXX, Experian and XXXX still continues reporting negative on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points on XXXX XXXX but showing XXXX on Equifax website.I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a 24 hour period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that. I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report, Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX XXXX would like XXXX XXXX removed from my credit report it should not be reporting multiple times my credit score decreased. I want my credit score back to where it was it was at a XXXX was my credit score and now my credit score is decreased tremendously by Equifax reporting the same fraudulent activity again on my credit report with XXXX XXXX that is showing on my credit Report as a update and then once it was removed it appears back on my credit report and had drop my credit score by XXXX point after reporting The same fraudulent activity on my credit report again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Chime Financial for failing to address a fraudulent account that was opened in my name without my consent. On XXXX/XXXX/2023, an account with the following details was fraudulently opened using my stolen personal information : Account Number : XXXXXXXX Bank Routing Number : XXXX Bank Name : The XXXXXXXX XXXX, XXXX XXXX This account was created without my authorization using personal information that was compromised in the XXXX data breach, including my Social Security number, drivers license, and date of birth. 

I became aware of this fraudulent account when it appeared on my XXXX  consumer report and began taking steps to dispute it immediately. Despite submitting an FTC Identity Theft Report ( # XXXX ) and a police report ( XXXX XXXX XXXX XXXXXXXX ) to prove the fraudulent nature of the account, Chime has refused to take corrective action. The account remains active in their system and continues to harm my financial reputation.
Product: Debt collection

Hello, My husband had been seriously ill and in XXXX for nearly a month and sadly XXXX XXXX. At my husband 's XXXX XXXX, while our family is mourning our XXXX XXXX of our Husband, Father, Brother, Friend, the Bank of the West Branch Manager, XXXX XXXX, approached me, not to give his condolences but to " demand that I make the payments current and the loan was past due ''. He continued on the say that it was my responsiblity to keep the loan payments current. Of course, I was in a state of shock that Bank of the West felt compelled to attend my husband 's XXXX XXXX to " demand payment '', XXXX XXXX, continued on with his comments for a few moments and left. 
XXXX XXXX, Branch Manager and Bank of the West should be fined and XXXX XXXX should lose his position at Bank of the West for unfair harassment in attempts to collect a debt, unlawful conduct, trying to intimidate me on the day of my husband 's XXXX XXXX and protect my privacy as well as my families privacy at a time of our mourning. 
Bank of the West should be ashamed of this type of behavior and harassment of a widow and her family during our time of mourning.
Product: Mortgage

Freedom Mortgage has been absolutely horrible. My loan was sold to them XXXX of XXXX, and Ive had issues since. 

XX/XX/XXXX. 
I reached out to Freedom Mortgage to ensure they knew of my property taxes ( from my escrow account ) to be paid before XX/XX/XXXX. I sent them a copy of the tax bill from the county to show payment dates. Was told that there would be no issue. Fast forward to XX/XX/XXXX, I receive a late tax bill because Freedom Mortgage did not pay my taxes on time. Was told once again that this would not happen moving forward. 

XX/XX/XXXX My monthly mortgage payment skyrocketed an additional {$700.00} a month for no foreseen reason. I came to find out that my escrow had been adjusted to reflect property tax payments three times the amount of what my actual taxes were. This change was made with no warning or explanation at all. To make things better, I had a tax payment due XX/XX/XXXX, and they paid that amount before the due date finally. Then, Freedom Mortgage paid the same amount on XX/XX/XXXX for no reason whatsoever. So as I am going through the property tax line adjustment period, they drained my escrow account for no reason. They could not tell me why this payment was made. Now I have an escrow analysis being performed while my account is negative because my home owners insurance has now been paid out. This is destroying my life and these people need to be held
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND XXXX REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just read that credit karma was sued for saying that I would be approved for credit and when I tried to get approved for a credit card I was denied because of my credit score I also tried to get a loan through credit karma and was denied
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1666b, I have no late payments. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. No company has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

Please have XXXX  XXXX XXXX remove and permanently delete all payments that are showing any late status from my credit report.
Product: Credit card or prepaid card

A reservation was placed with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. The reservation was for XX/XX/2021. This reservation was placed by my daughter. The payment was affected through my Barclay, s Master Credit card. Later in XXXX, when I received my Barclay Credit card statement, Prior to XX/XX/XXXX. I did not recognize the amount So I called Barclay and asked them to put the charge in Dispute. They did so. Again, prior to the date of the reservation XX/XX/XXXX. My daughter came to me and reminded me of the reservation she placed with my consent with the Barclay credit card. So I turned around and prior to the Reservation date. I called XXXX and asked them if I could pay with another credit card. Since they did not want the Barclay Credit card. The said yes. So I paid with the XXXX XXXX card, on XX/XX/XXXX. They, XXXX accepted the transaction and my family was able to attend the reservation. I called Barclay and asked them to cancel the transaction with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
They indicated, with a letter that they would close the transaction but they actually did not. They first sent me a letter, on XX/XX/XXXX, indicating that the transaction was closed. I thought that was the end of it but it was not to be, On XX/XX/XXXX I received another letter saying that XXXX submitted documents to Barclay indicating that the monies was owed to ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). So Barclay, after making their investigation concluded that, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ), should be paid. This is without contacting me before the payment was made out of my account. 
I previously had paid, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX though XXXX XXXX. I called Barclay and asked them to retrieve the payment a credit my account. Barclay refused!
Product: Checking or savings account

deposited {$1100.00} cash into Regions ATM on XX/XX/20. XXXX took the money but never issue receipt and funds were never deposited into account. ATM screen error/gray screen ( took pictures of error ). Submitted claim with Regions ( claim # XXXX & XXXX ). 
Received letter few days later from Regions saying no error found and ATM was checked, no errors. I asked if they checked the correct ATM and if they reviewed the video surveillance. They said they do not have access to the video surveillance. Escalated the case several times and branch manager said they have had similar issues with their ATMs. Last week branch XXXX XXXX states their notes now show that system did in fact have an error. Issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.
Product: Checking or savings account

MY NAME IS XXXX XXXX AND I OPENED THIS BUSINESS ACCOUNT FOR XXXX  XXXX XXXX XXXX. ON XX/XX/2023 BECAUSE I STARTED DOING AFILLIATE MARKETING AND PAID SURVEYS. WELL MOST COMPANIES ONLY PAY YOU VIA PAYPAL. LAST WEEK I SPENT ALMOST TWO DAYS ON A SURVEY THAT PAID {$120.00} TO COMPLETE TO HELP WITH MY FOOD. TODAY THE PAYMENT WAS SENT PAYPAL HAS PLACED A 21 DAY HOLD ON EVERY DIME I HAVE AN HAD BEEN WAITING ON. THEIR REBUTAL IS BECAUSE MY ACCOUNT IS NEW I NEED TO DO 10 SALES, NO COMPLAINTS FOR 60 DAYS, AND MAKE {$200.00} IN SALES. THAT IS UNREASONABLE BECAUSE I DO NOT SELL ANYTHING AND THAT GOAL WOULD TAKE A LONG TIME WITH AFILLIATE MARKETING AND DOING PAID SURVEYS. TRADITIONAL BANKS DO NOT WITHOLD DEPOSITS FOR 21 DAYS SO HOW CAN THEY GET AWAY WITH THIS. I HAVE HAD TWO PAYMENTS OF {$10.00} AND CHANGE FROM DOING SURVEYS ON ANOTHER SITE NOT THE ONE THAT SENT THE {$120.00} AND THOSE PAYMENTS WERE NOT HELD. THIS IS COSTING ME UNJUST SUFFERING AND I WILL NOT STOP UNTIL THIS PLACE YES PAYPAL MAKES THIS RIGHT AND GIVE MY GROCERY MONEY TO ME THAT I HAVE WORKED FOR AND EARNED. ONE CUSTOMER SERVICE REP ASKED ME TO WRITE THE SENDER BACK AND ASK THEM TO SEND THE PAYMENT AS FRIENDS AND FAM INSTEAD OF GOODS AND SERVICES. THAT IS A PLACE OF BUSINESS WHO WILL NOT LIE FOR ME SO THIS IS JUST PREPOSTEROUS.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Bank account or service

Hello, I opened a Citi Gold Checking account in XXXX per the terms of the XXXX XXXX XXXX miles promotion. Promotion ID : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XXXX, after reaching out to Citi to confirm my eligibility of the offer, I received this response in a secured message : " From : XXXX XXXX Wise Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information regarding your promotion. 

Thank you for providing your XXXX number. I have now notated your account and can confirm that you completed the requirements for this promotion. Per the promotion policy, the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. 

With this in mind, you should expect to have your miles processed no later than XXXX/XXXX/16. Please note, it will take an additional statement cycle after processing for the miles to reflect your AAdvantage account. 

Additionally, thank you for completing your XXXX form. We have yet to receive it, however, it can take up to XXXX weeks for the documentation to be received and processed to certify your account. 

XXXX XXXX, your trust and satisfaction are very important to us here at Citi. It is a privilege to assist you with your promotion information and I look forward to assisting you again in the future. 

At Citibank we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number XXXX to complete your feedback. 

Send Your Opinions Thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Services at XXXX. Internationally, you can call us collect at XXXX. XXXX XXXX is available at XXXX. We are available to assist you 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services '' I am simply requesting that Citi deposit the promised XXXX American Airline miles into my account. 

Thank you, XXXX
Product: Debt collection

I had a XXXX mail account hacked in XXXX and they used this for an extensive, sophisticated identity theft in which, on XX/XX/XXXX, they hacked and attempted to hack all of my other accounts including investment accounts. They also attempted to take out dozens of loans and credit cards in my name. I immediately froze my credit with all of the agencies, changed my passwords, and set up all of the precautions I could think of. I immediately appealed accounts started in my name. This effort continued through the rest of XXXX and lingered through most of XXXX and I thought I had stopped and limited the damage, although I am still dealing with consequences. 

In XX/XX/XXXX, I found out that one of these accounts, at SoFi lending, was not appealed correctly in the fracas of XXXX. In the three months, they had reported a debt of {$10000.00} to a collection agency. I immediately requested a fraud packet from them, and completed it, including a full police report of the XXXX identity theft. 

It took them over a month to review this, which included not receiving the police report which had to be eventually resent by certified mail. They let me know last week that they have determined that the debt is in fact owed by me and they will not be classifying it as fraud. They have not been able to tell me why this is the case, nor the address or account or any details to whom the {$10000.00} was remitted to.
Product: Credit card

Home Depot is reporting a 30 and 60 day late payment for the corresponding months of XXXX and XXXX 2015. What happened was that I have this account on auto pay from my bank ( XXXX ) and they neglected to make the payments and was told that it was due to a processing error. I spoke to Home Depot and they did credit me the late fees for both months, however they did not reverse the late payment reporting to the bureaus, which is why I am writing to you today to seek your assistance in this matter since its affecting my credit score.
Product: Student loan

Loan types and Dates of disbursement : Direct Plus loans : ( Reviewed on Federal Student Aid website ) XX/XX/XXXX - XXXX XXXX XXXX XXXX, 5.3 %, {$10000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 6.28 %, {$15000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 7.54 %, {$12000.00}, status : deferment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 8.05 %, {$9800.00}, status : deferment Unsubsidized loans : ( Grace period ends XX/XX/XXXX per Federal Student Aid website ) - Direct unsubsidized, 4.53 %, {$3600.00}, status : grace period - Direct unsubsidized, 5.05 %, {$3000.00}, status : grace period XX/XX/XXXX - Direct unsubsidized, 4.3 %, {$20000.00}, status : grace period XXXX unsubsidized, 5.28 %, {$20000.00}, status : grace period XXXX Direct unsubsidized, 7.54 %, {$12000.00}, status : grace period XXXX Direct unsubsidized, 6.54 %, {$10000.00}, status : grace period Dates/ Timeline correspondence with Nelnet : XX/XX/XXXX - Graduated from graduate program XXXX 

XX/XX/XXXX - Notified my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  and XXXX are in repayment and groups XXXX  and XXXX are in deferment via email from Nelnet. Email stated repayment starts on XX/XX/XXXX. 

XX/XX/XXXX - Emailed nelnet to ask for clarification. Received email saying they are unable to reply to emails due to unprecedented email volume. 

XX/XX/XXXX - Called Nelnet help desk 3 times during open hours. Reported hours are XXXX per Nelnet website XXXX Received messages that call center was not open. 

XX/XX/XXXX - Called Nelnet help desk and waited over XXXX hrs with no response. Reported hours XXXX. Received automated wait message with no contact with help desk. 

XX/XX/XXXX - Emailed Nelnet and recieved the same message from before. ( A total of XXXX email attempts were made from XXXX ). 

XX/XX/XXXX - No action/response by Nelnet at this time. 

XX/XX/XXXX - Payment is reported to be due.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again cash app ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution procedures was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for those violations.