23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Sears credit card through Citibank that was closed in XX/XX/XXXX or XX/XX/XXXX with about a 5 year repayment program at zero interest. All payments were made in full and on time until the coronavirus, or covid-19, hit in XXXX. I contacted them as my XXXX  were mandated closed plus XXXX XXXX used the writ of force majeure to cancel months of bookings at my XXXX  with no notice and without the contractual compensation. Additionally I am a XXXX XXXX XXXX and that was obviously shut down. 

I contacted Citi to explain that it would take me a couple months to navigate and figure it out as I was facing an instant $ XXXX loss with no notice. They stated that as long as the loan was paid off in full by the end of the agreed upon period ( one of the accounts is already fully paid ) that it would not be an issue. 

After a couple of months of figuring things out I paid everything and caught the accounts up. One is paid off and one is now completely current. Despite this Citi has reported me to the credit bureaus as having been late. They offered NO covid-19 deferment or patience and they lied about their procedures. One rep wouldn't even tell me what the protocol was. 

My credit tanked as a result of this reporting. It was used against me by other banks to close many of my cards and lower the limits on many others to exactly what I owed. Some accounts went from an {$8000.00} credit limit to the {$1000.00} that I owed them. This has destroyed my debt/income ratio. When I have tried to use my credit since it is used as the reasoning for denial. 

This will not be on my credit for 7 years apparently, rendering over 4 years of perfect payments completely meaningless. It is preposterous to do this to an individual who has lost their source of income at a moment 's notice without warning due to no fault of their own from this act of God. This was a force majeure event for me as well, and if banks and corporations can use this legal precedence against a consumer then I should be allowed the same grace against them. 

I caught these accounts up and I have as close to a perfect payment record as you can get.
Product: Debt collection

I no longer have my breakdown loans paid off or discharged but I do have my chapter XXXX discharge papers. My Citibank 2nd mortgage amount of about {$400000.00} subsequently discharged on XX/XX/XXXX. Citimortgage possessed a junior lien on my property that was subsequently stripped by the Chapter XXXXBankruptcy Judge in XXXX CA around XX/XX/XXXX due to the property being upside down. The last payment I made on this account was posted on or about XX/XX/XXXX. 

Two days ago I received a letter that looks like they are attempting collection efforts. I called and spoke to XXXX at number on letter and he said your agency is requiring them to resend these letters to all consumers to have for their own information. The letter shows they received payments after that thru XXXX, which can not be legally possible due to lien strip. 

I stilll dont feel comfortable with Citibanks reply today and I feel they are still attempting harassing collection efforts.
Product: Credit reporting or other personal consumer reports

XXXX, and Experian have inquiries on my credit reports that I have not authorized. XXXX XXXX XXXX/XXXX/2024 XXXX XXXX ) XXXX XXXX XXXX XXXX/XXXX/2024 ( XXXX ) XXXX Experian reports show an inquiry for XXXX XXXX XX/XX/2024 XXXX
Product: Checking or savings account

On XX/XX/year>, I was vacationing in XXXX, when I received notification of suspicious activity on my debit card. I immediately notified Wells Fargo and they canceled the debit card and refunded a provisional credit of {$84.00}. However, on XX/XX/year>, Wells Fargo decided to take back the provisional credit of {$84.00} from my account, claiming that these charges " were authorized or that a processing error did not occur. '' These charges were definitely not authorized, as I was out of the country when these charges occurred. And these charges were at places that I never frequent, {$34.00} at XXXXXXXX XXXX XXXXXXXX ( I have not eaten here in a decade ) and {$50.00} at a XXXX gas station ( I have an electric car ). 

I have been a Wells Fargo customer for over 20 years and have never had something like this happen.
Product: Debt collection

I paid company in full they stated will remove account after amount was paid in full and didnt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled the private information of hundreds of thousands citizens and myself. Using their website XXXX, I found that I am someone who 's information was stolen. Furthermore, Equifax seems to be trying to trick people into being unable to pursue any legal action against them. They give us a link to check to see if we are affected, and so by using this link, we waive our right to purse any action. Not only that, but the fact that we have to pay to freeze our credit through Equifax is absurd. The pin you get from Equifax when you freeze you credit can be reset using personal information, which, if you stole someone 's identity, would be easy to reset. Finally, the pin is not randomly generated, it is just time stamped, meaning that it would be very easy to steal someone 's pin if you can assume most people froze their accounts yesterday or today. Thankfully, I put a fraud alert on my account and downloaded my free annual credit report, and saw that nothing has happened yet, however, for many people, their lives could have been ruined today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********
Product: Mortgage

There was a bal in variable rate side of helco loan. starting in XXXX XXXX, of XXXX. I attempted to pay that amount off. I made payments of XXXX in total 1st pymt was XX/XX/XXXX. After making payments and noticing bal was not reflecting correcting. I called in to mortgage dept to request pymt be applied to variable rate bal. A XXXX dollars was applied to bal of {$160.00} bal was then {$67.00} paid XXXX more XXXX was applied, A XXXX cent bal remained 5 times I called requesting that bal to be paid .made a {$1.00} payment requesting that to pay XXXX  cent bal. then that XXXX XXXX bal doubled to {$1.00} called again to complain. At that time XXXX cents was removed. Still leaving a XXXX  cent bal!!!!. At this time was completely frustrated with PNC. bank this continued for the whole month of XXXX and now into XXXX when they tried to correct issue again online showed Idid not have my normal pymt due for XXXX even though Mgr. told me told me online was incorrect. So i made pymt due XX/XX/XXXX that pymt has been applied to principal only no interest. and i still have a XXXX  cent bal. This is not first time I've had a problem with the bank and this issue!! please help me sort this out, PNC has made it impossible to use my ( DRAW ) portion of this loan and want it corrected if possible. PNC keeps sayi g it will be corrected but makes a bigger issue with Balance 's
Product: Credit reporting, credit repair services, or other personal consumer reports

3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all Capital one-XXXX, VA ( XX/XX/XXXX ) XXXX XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA ( XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are originating from a third party. This is not the case, as the disputes were filed directly by me. I even contacted them to confirm my identity, but despite this, they still refused to process my disputes. 

I have wasted both time and money mailing my disputes, as well as sending personal information to verify my identity. Unfortunately, they did not conduct a thorough investigation into my claims.
Product: Debt collection

I have disputed this many times over the past few years. Charges need to be brought against XXXX debt services. They are violating my rights. They said XXXXXXXX XXXX  Response Thank you for allowing us to address your complaint. Based on our investigation of your account, we are no longer pursuing you for the balance. We have requested removal from your credit report. However, please note that each credit bureau operates under its own set of standards and timelines as to when they update the information provided by data furnishers, so as a result, this change may not be reflected simultaneously across all bureaus. If you have any other questions or concerns regarding the account, please reach out to an account representative at XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF We have released the consumer from the account in our office and are no longer pursuing the consumer for the balance. 

However, the collection is still on my credit report. They have not verified it was actually me. I never lived at the hawthorne. I've never even been to the state.
Product: Prepaid card

I contacted Chime via XXXX to request remove highest balance amount of {$1800.00} on XX/XX/2023 i have no access to acct i never ordered card i should have a right to have that removed! Not only i dont have a chime card i have not used it in over 1 year. to give me a high credit balance but not give me the access to it, unfair please remove high balance amount. {$1800.00} In all fairness
Product: Credit card or prepaid card

To Whom it May Concern : I have a PayPal account and a PayPal credit card through Synchrony Bank. On XX/XX/22 I made a purchase for {$6100.00} for my daughters braces to XXXX XXXXXXXX XXXX. The payment went through and my credit card was changed that amount. I have never had a balance that high so I wanted to immediately pay it off as I always do anyway. I have never been late for one payment and I usually pay my bill multiple times a month to keep my balance down. I submitted a payment late Thursday night XX/XX/22 on the webside and there was a message that the transaction failed and to try again later. So I immediately tried again to submit the payment but it failed again so I decided I would try the next day. The next morning on XX/XX/22 I had an email from paypal that the payment went through but there was 2 emails and the payment went through 2 times. I called the credit card that day and said they had made a mistake and processed my payment 2 times. They said there was nothing they could do to stop the payment from being processed through my bank account. They recommended if I didn't want over XXXX being taken from my bank account I could call my bank and do a stop payment to avoid the withdrawl. The other option was to have it processed then have the credit company issue a check in 15 business days for the mistake. Since they recommended the option of doing a stop payment I chose that because I did not want my bank account drained. I called my bank, XXXX and they stopped the payment, they could not stop just one they had to stop both payments. After that Paypal cancelled my bank account as a payment option because the payment did not go through. I called paypal and explained the situation and added my bank account again and made the payment on XX/XX/22. This was after trying to go online and pay and the payment and it was rejected because I didn't realize they took my bank account off the payment option. I also tried to by gas and my card was rejected. I called back and found out that Synchrony closed my account and didn't even tell me. I feel I did nothing wrong. I paid all my bills on time and just followed the advice of the customer service rep that day to put a stop hold on the payment so my bank account did not get drained 2x the amount I actually owed. I did call and complain and asked them to review my records and reopen my account but they still denied me and closed my account. This is an injustice to me. Please help me resolve this issue. I am hoping this does not damage my credit score. I applied for another credit card with XXXX XXXX and I was denied on XX/XX/22. This is very upsetting. Thank you for your time. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with ally bank ( XXXX XXXX XXXX ) then traded for a new car ( XXXX XXXX XXXX ) new loan was again through ally but in the process the dealer was late with the paperwork and ally put a late payment on my credit report and now refuses to remove. All while Ive been with them for years and never missed one payment. And to make matters worse they have a recording of one of their employees telling me over the phone that its going to be removed but even that means nothing to them!
Product: Money transfer, virtual currency, or money service

My Western Union acct # XXXX. I only used it once to wire money to my friend in XXXX on XXXX XXXX, 2019. On XXXX XXXX my second attempt was refunded to me. When I called WU the rep questioned my relationship with my friend. One day later, I was sent a request to pick up the refund for complete transfer amount and fees with their agent. I was puzzled, but tried a week later to send to the same friend but was stopped at the input at agent pc. I received a security code message but did not record it. A few days later I tried to send again on my own pc and was not able to do so. I went to a storefront agent and was not allowed to complete the transfer. It seems my name or my friend 's name was being flagged. On XX/XX/XXXX, I tried another vendor " XXXX. '' They took the transfer via pc, but the next day canceled the transaction and even closed my account. Since then I have been trying to get an answer out of WU. After my second attempt to transfer money they must  have flagged my name. I have been in email contact with them for weeks with no response. I am unable to talk to the correct department directly. We can only communicate via email. They make promises that they do not follow through to give me an answer as to why?
Product: Money transfer, virtual currency, or money service

I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.
Product: Checking or savings account

I received an email from PNC bank on the morning of XX/XX/2023, alerting me that my checking balance was {$0.00}. 

I checked the PNC XXXX  and saw a charge of {$1500.00} or so to Rental in XXXX, posted on XX/XX/XXXX. I had never even heard of XXXX in XXXX until this point. 

I called immediately and was told they would take up to XXXX days to even get provisional funds back in my account. I asked them to expedite that, but was told that since I had a balance in a separate XXXX  account, I didnt qualify for emergency expedition. I asked what if I had plans for that money? They had no response. 

I called again this morning, XX/XX/XXXX. There has been no progress, of course, but I was able to convince them to expedite the fraud investigation. Although they still maintain it could be XXXX days for provisional funds to hit my account, and something like XXXX days for the actual money to be refunded. 

Some background : I have been using my PNC credit card to buy things for our trip to XXXX next week. Most of those transactions have been flagged for security. XXXX glad for that and shot to take the time to confirm the purchase. Its ridiculous that they dont have the same tenacity when it comes to my debit card. 

Thank you.
Product: Bank account or service

My partner and I opened a joint checking account at Citizens bank responding to an offer of {$150.00} bonus for opening an account. This was mailed to me. See attached. To date, we have not received our bonus ( account was opened on XXXX XXXX, 2015 ). We had to call to report this and they asked us to scan in a copy of the original offer. We really should n't have to go to this much trouble. We have met all the requirements and we feel if we had n't complained it would have been forgotten. In light of the recent complaints against Citizens you would think they would do a better job at treating their customers better. To be fair, we are waiting to hear back from them. Customer service said it would take a couple days.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX XXXXs were involved in this breach. To my surprise, it turns out that XXXX  out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Debt collection

First Credit Services XXXX INC is reporting false and frivolous information to XX/XX/XXXX credit bureau Facts are, I cancelled the membership for XXXX XXXX in person, after that I did send a USPS Certified mail which a XX/XX/XXXXXXXX representative signed for. And I sent numerous e-mails which were responded as well and see attached to this. 
I advised by banking institution that I requested XXXX XXXX to stop charging my account as it was cancelled, action which was DISREGARDED by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written consent 15 USC 1681 a. Defintion rules of construction ( XXXX ) Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Late payments are illegal XXXX XXXX reporting late payments XXXX XXXX late payments
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX and XXXX lawsuit. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. You all either come with the receipts, or delete the inaccurate items immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

while reviewing my credit report I became aware of collection accounts from Choice Recovery. I have written to this company to validate these alleged debts as well as their authorization to collect on said debts. and have received nothing. I believe my HIPPA rights have been violated as I have given NO ENTITY permission to share my personal medical information with ANY third party.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the fair credit and reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three bureaus basically saying my new information is on this letter anything else on my report besides whats on the letter is incorrect. With that being said they reported back with the same information that I wanted deleted. Letters was sent out XX/XX/2021 which its late and no response from them. Got a letter from transunion XX/XX/2021 which is still inaccurate.
Product: Money transfer, virtual currency, or money service

Dear [ Customer Service Team ], I hope this message finds you well. I am writing to formally request a refund for my recent purchase with [ Company Name ], as I am dissatisfied with the product/service I received. Below are the details of the transaction.In line with your return/refund policy, I would appreciate your assistance in processing my refund as soon as possible. I would like the refund to be issued to [ insert preferred method of refund, e.g., original payment method, store credit, etc. ]. 

Please confirm receipt of this request and let me know if you require any further information from my side. 

Thank you
Product: Credit reporting or other personal consumer reports

I am currently conducting a fraud investigation concerning THIS account and would appreciate your cooperation in providing the necessary documentation. I am requesting the following information to assist in my ongoing litigation with other companies related to violations of my consumer rights, HIPAA laws, and FDCPA rights : 1. All references of payments made on the accounts.

2. Addresses associated with the payment sources used.

3. Payment records and sources of payment.

4. Telephone numbers used in connection with the accounts.

5. Any documentation or information tied to the creation and maintenance of this account. 
Please provide the requested documentation within the next 10 days to support my investigation. Thank you for your prompt attention to this matter. I look forward to your cooperation. If you choose not to participate in this investigation, I expect this company to remove the fraud account.
Product: Consumer Loan

We purchased a car at XXXX auto in XXXX, Colorado with financing thru YKS Corp. We made above our required payment each payment but we 're always told we were behind in payments and being charged late fees and penalties. When we traded our car off at another dealership they tried to tell us we still owed payments. The car had over XXXX miles on it when we bought it and yet they would n't follow thru with their warranty program for repairs either. We had nothing but problems with them.