23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I mailed a check to XXXX XXXX, Texas for paying taxes. They do not accept any online payment. The check was stolen from the mail, manipulated the payee and amount. The original amount was for {$13.00}. The new amount is {$1900.00}. It appeared on our online statement and we called the same day to report it, which was XX/XX/XXXX. Citibank told us it hasn't been cashed yet, and took the fraud report and told me that the money will be reversed in 24-48 hours. I received a call today, XX/XX/XXXX and was told that Citibank made a mistake and that it had been cashed since yesterday 's report. They transferred me to someone in the XXXX to make a complaint. I can't even file the report for another 24-48 hours if I look online. If I wait for the mail, it's 5 - 7 days. I told them it is clear that the check was manipulated and we filed the report immediately. They said this isn't their fault and the maybe after the investigation I might get my money back in 90 days. 
In addition, my account is frozen, so I do not have access to any of my funds, and it's 4 days before XXXX. 
As a large bank, I feel the burden is on Citibank to ensure that documents are not manipulated before they pay anything out especially since they claim this happens every day. They put the burden on the consumer to prove this was not a payee or amount that I meant to pay.
Product: Credit card or prepaid card

I can't use my credit card to buy in XXXX
Product: Debt collection

Pressler and Pressler are suing me for a medical debt. I asked for debt validation they provided me with a statement with mine name and another indidual with the same last name. There is no patient identifier to link the amount to me. There is nothing from the XXXX XXXX stating I owe the balance claimed. This was an adjustment for being a provider. I am not responsible for this : XXXX XXXXXXXX XXXX paid the provider reasonable and customary fees.
Product: Credit card or prepaid card

I have a dispute with my XXXX XXXX  XXXX. 
On XX/XX/2020 I made a purchase of {$18000.00} from XXXX. 
The package was supposed to be shipped via XXXX or XXXX  with signature required. 
Unfortunately the package was never delivered to me. 

Despite all the proofs I provided to my credit card company they did nothing to help me. They keep reopening and denying without provided any proofs that the package and signed by me. They didn't even request anything from me to support my claim, they keep opening and closing it without any proofs and they didnt even call or contact me. 
I had to call and chase them myself and inform that I had all the proofs to support my claim and I faxed them everything and requested them to confirm receipt of my documents in written form which they never did. 

I didnt not sign for my package and I have never received my goods. The package was never properly delivered to me. I have filed a police report that my package was lost or stolen. I have proofs from USPS that the package was signed BY WRONG PERSON and WAS supposed to help in USPS pickup office. 

The truth is it is already 6 month my bank is doing nothing to help me. They never called me, never provided any explanation or proofs that my package was delivered to me. I even contacted XXXX and they informed me that the dispute should be resolved in my favor. Synhrony bank has done nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As many millions of others learned today XXXX XXXX/XXXX/XXXX XXXX, my personal credit information and all of the sensitive things that go with it were hacked. This exposes me to the potential for identity theft, as that information is now essentially public to those who would wish to use it maliciously. While I understand Equifax was not directly responsible for the release of this information, they failed to protect it adequately.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Received a call from a person pretending to be from a legitimate collection agency - person was NOT affiliated with that agency and is trying to steal money. 
Received a call on XX/XX/2024 from " XXXX XXXX '', calling from XXXX. He informed me he was a representative from Capital Management Services and was trying to collect a credit card debt. The credit card debt does exist, and he knew the amount owed and my address. However, he does not represent the company that owns the debt. He stated that instead of a payment plan he could collect a " settlement '' that was {$3000.00} less than the total owed. When I told him I couldn't pay that amount, he then mentioned another number {$2000.00} lower. He told me to pay by e-check or debit card. I told him I needed the information in writing and he promised to email me. He said I should call him at XXXX to make the payment. I received a call on XX/XX/2024 from " XXXX XXXX '', calling from XXXX reminding me to make the payment.
Product: Student loan

I applied for the XXXXXXXX XXXX  program through Nelnet in XX/XX/XXXX. I received a letter on XXXX XXXX stating that after a one-time payment " we will apply the new repayment plan you requested to your eligible loans '' and I would be switched over to the XXXX XXXX. I promptly paid the requested amount and payment was processed XX/XX/XXXX. 
It is now XX/XX/XXXX and Nelnet has put my account in administrative forbearance for almost 3 months, all the while thousands of dollars have accrued in interest. I have contacted them multiple times, verified that all documents were submitted and complete, and that payment has been received and I was ready to be switched over to the XXXX XXXX, and yet nothing has happened. 
It has been 5 months since I first applied for the XXXX XXXX through Nelnet! Meanwhile, XXXX  of dollars of interest has accrued and I am penalized for their inability to process my application in a timely manner. As of today, my account is still in administrative forbearance, with an absurd amount of {$16000.00} being due on XX/XX/XXXX. Calls to get this sorted out have been met with excuses and the representative stating there is nothing they can do. I was actually told to remove auto debit from my account in case Nelnet actually tries to transfer that amount come the due date! They won't transfer me to anyone who can help, or give me any information, except to tell me to wait, and to contact them again if mistakes occur on their end.
Product: Credit card or prepaid card

American Express placed me on a financial review and told me they would close my accounts if I did not sign a form that would authorise them to ask the IRS for my last two tax returns. I informed the customer service associate that I can't provide that. I am XXXX XXXX XXXX, and have only filed one tax return because I have been claimed as a dependent for my entire life. 2017 was the first year I filed taxes, as it is the first year I have held serious employment. However, due to school and personal issues, I used a lot of time off and my income last year was not as high as it is supposed to be anyway. My accounts are nearly maxed out, and if American Express closes my accounts, my credit will take a massive hit. I am planning on moving in with my partner into a new apartment in the next couple of months, and I will not be able to secure any kind of lease if American Express does this kind of damage to my credit report. I have been responsible and have never missed a payment, and this is the first time I have ever maxed out my cards, so I do not feel like I deserve to be treated this way. I have the ability to repay my debts over time, but I don't want American Express to cause catastrophic damage to my credit report by closing it without good cause, and still be required to pay off the closed accounts.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an open-end credit plan was denied my right of credit by American Express Company doing business as American Express XXXX I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by American Express Company doing business as American Express on XX/XX/2021 via EMAIL. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by American Express Company doing business as American Express adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express Company doing business as American Express is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got alerts from the credit bureaus about recent hard inquiries on my credit file that I did not authorize. I reached out to the creditors to get information about these inquiries but was unsuccessful. I attempted to call the credit bureaus directly trying to be proactive but I was unable to speak to anyone over the phone.
Product: Credit reporting or other personal consumer reports

15 USC 1681c-2 IMMEDIATE BLOCK AND DELETE OF FRAUDULENT and false personal information being reported. EQUIFAX is continuing to report a fraudulent phone number in my Fraud-Alert notice despite multiple requests sent to them to fix this issue. SEE ATTACHED.
Product: Debt collection

National credit systems. I paid XXXX dollars to them in XX/XX/2015 for XXXX XXXX XXXX. I have the receipts but they are still on my background checks. I have proof with a receipt it was received. When i went to contact the company on my own they keep saying they have been sold and sold and resold again so they cant locate my information. This is destroying my family and my trust in the government. Why was this not reported to my credit when i first made payment. And now national credit systems wants XXXX for something i paid in XX/XX/2015. This is ridiculous. Ive contacted them once before and they still want more money. Why pay more for something ive already paid.
Product: Debt collection

XXXX XXXX XXXX is still reporting on my credit report about some late payments after my house was paid off back in XXXX. This needs to be removed from my credit report, there is no need to have this on my credit report
Product: Credit reporting or other personal consumer reports

Company name : Affirm INC, late payments Dates XX/XX/XXXX, XX/XX/XXXX unknown at this time. 



In accordance with the federal reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or other personal consumer reports

Educators credit union XX/XX/XXXX XXXX XXXX did not authorize this inquiry XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX. XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX XXXX, XX/XX/XXXX. XX/XX/XXXX XXXX XXXX. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize these inquiries. 
XXXX XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XXXX  consumer, XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. 
XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX did not authorize this inquiry. 

XXXX XXXX  XXXX, XX/XX/XXXX, XXXXI did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with XXXX  file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have violated my consumer rights and Federal Law according to Fair Credit Reporting Act as follows 15 USC 1681i ( 5 ) ( A ), thus according to provisions 15 USC section 1681 ( a ) the items must be deleted immediately. I have sent two letter to both about this and no response. The letter went out XX/XX/XXXX, XXXX and XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Capital Management called me today on a credit card matter that I thought was taken care of. It is not on my credit report at all. No where to be found. The person first called me at work which number I have never given to anyone but my loved ones and my daughter 's school. He then called me on my cell and started to threaten me by saying rude remarks about how this needs to get paid no matter what the case and the fact that he would pay a bill unlike me. He got very nasty when I asked for a letter when I have n't received any of them from before. He wanted to email it to me but I have rights to receive a paper in the mail. He degraded me about why I do with my day and why I should be taken care of this before. He offered a settlement and I told him I could n't afford XXXX dollars up front and he said most people can. He does n't know my situation nor tried to help. He kept up with the snarky comments and would n't back down. It was to the point where he would n't let me off the phOne until I paid him which I would not do until I figured this out.
Product: Checking or savings account

I called and spoke to XXXX  from Chase bank in the XXXX office and asked to revoke my ACH authorization from a utility company XXXX XXXX, she said they do not provide ACH authorization but only offer a stop payment. That as long as I spoke to the company and revoked it with them and they did not honor it then I can talk to Chase about a dispute. She said they do not offer to revoke an authorization only a stop payment. Which I believe is against the law if I ask for a recurring charge to be revoked from my bank why can't they honor it?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection for {$210.00} on my Equifax report. I was not made aware of it and never got anything from any collection company stating I had been turned over to collections. I called a medical billing company I thought it might be, they said it wasn't them. That leaves an unknown company damaging my credit with no notification to me. I want this item removed and never put back on my credit. If it is I will promptly sue the biller and the collection agency for numerous Fair Credit Act violations. See page page 2 of the report attached, top of the page.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be  reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX/XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX/XXXX  {$8500.00} XXXX XXXX XXXX/XXXX {$14000.00} XXXX XXXX XXXX/XXXX  {$4600.00} XXXX XXXX XXXX/XXXX {$18000.00} XXXX XXXX XXXX/XXXX {$24000.00} XXXX XXXX XXXX/XXXX  {$7400.00} XXXX XXXX XXXX/XXXX  {$39000.00} XXXX XXXX XXXX/XXXX {$17000.00} XXXX XXXX XXXX/XXXX  {$2600.00} XXXX XXXX XXXX/XXXX {$3500.00} XXXX XXXX XXXX/XXXX {$1200.00} XXXX XXXX XXXX/XXXX {$300.00} XXXX XXXX XXXX/XXXX {$2800.00} XXXX XXXX XXXX/XXXX {$250.00} XXXX XXXX XXXX/XXXX  {$1500.00} XXXX XXXX XXXX/XXXX {$3000.00} XXXX XXXX XXXX/XXXX  {$3400.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX  {$610.00} XXXX XXXX XXXX/XXXX  {$8600.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX {$760.00} XXXX XXXX XXXX/XXXX  {$3500.00} XXXX XXXX XXXX/XXXX {$8300.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX {$2100.00} XXXX XXXX XXXX/XXXX  {$2700.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX  {$36000.00} XXXX XXXX XXXX/XXXX {$36000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX I was alerted by text that international transactions were taking place on my US Bank credit card account. I call the credit card company immediately and they said they could do nothing about it but close the card, until after the funds actually left my account. At XXXX that same day the bank released the funds to the unauthorized transactions. I have since filed several disputes to which the Bank has agreed the transactions were unauthorized and claimed to returned the funds back to me, but I have never received the money back in my account nor has it been refunded to me in any other way. I have waited on the phone for several hours trying to reach someone in person most of the time in vein. I spoke to XXXX on XX/XX/XXXX who assured me my dispute was being handled. Around XX/XX/XXXX I received a complaint form from the USBank to fill out, which I did and faxed back the same day. On XX/XX/XXXX received a letter dated XX/XX/XXXX saying the issue was resolved and the money would be refunded into my account. I spoke to XXXX on XXXX and she stated she saw where I was supposed to be refunded but she also saw no funds were ever returned to my account and put in a research to find out what happened to my money. I have had not response. I have faxed the dispute department of US Bank on several occasions to no avail no response.
Product: Checking or savings account

Hello, On XX/XX/2023, my cash app card was used for an amount of {$40.00} for a website XXXX. On XX/XX/2023, I noticed this transaction and reported it to Cash app support right away. From the beginning, there has been no investigation into this purchase, but in fact 3 denied disputes and extremely unprofessional and unhelpful representatives that will not provided me with any proper documentation on why they continue to deny this dispute. Every time that I call, I have representatives picking up the phone to say I can not help you with this dispute, anything else? Without me providing any information. I have spoken to supervisors and multiple representatives who continue to tell me its been escalated and they would reach out with a decision. I have not received any phone calls, emails, or chats from Cash app. The only thing I received was a confirmation that this purchase was captured otherwise, everyone has denied me the necessary documents that support their numerous denials for my dispute. I would like this account closed as soon as possible, to report all of the representatives that denied me my right to speak with a supervisor and the stolen money put back into this account so I can close it. I would also like to report XXXX who refused to assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had cell phones with XXXX. XXXX turned off our phones for non-payment when we paid them. We told them the exact day we called and paid them through our debit card. We showed them proof we paid them but they refused to turn our phones back on. We also had a 2 year contract which we paid them the full 2 years therefore would no longer have a contract but they denied the 2 years were up and kept charging us money we didn't owe.
Product: Credit card or prepaid card

This account was opened as a result of ID Theft. Ive never applied or done business with Discover Financial Services. Ive disputed this account with all 3 major credit bureaus, as well as filed a formal complaint with the Federal Trade Commission.