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

Wayfair and CitiBank NA has filed false claims to XXXX on XX/XX/2023 stating my credit card was opened up due to identity theft and fraud. Citibank Security Fraud employees sent documents via US Mail to XXXX to collaborate their lies. XXXX opened an investigation against me # XXXX. This is Wayfair and CitiBank ongoing discriminatory and harassment against me because I was shopping at WayFair while being a XXXX woman. To this date my credit card accounts balance is incorrect. To this date I have false accusations against me by their XXXX employees ongoing discrimination against me because of my Race. Their employees has lied repeatedly, generated false account notes, open misleading fraud allegations against me all because I was shopping while XXXX. Today, CitiBank employee by the name of XXXX threatened me and demanded I supply him with my other credit cards that are managed by CitiBank. I only provided my Home Depot credit card information. 

I filed a lawsuit dispute against Wayfair for merchandise that I purchased that the company refused to provide. Wayfair provided the credits back to my credit card and I thought the matter was over with. Because the merchandise that was sent to my home was 2 beds that I never ordered was returned. I made a conference call with XXXX from Wayfair and XXXX from Citibank and on the call Wayfair Rep XXXX read all the credits she processed back to my credit card! I thought the matter was over. Unbeknown to me Employee from Citibank reported to XXXX that my credit card is a fraudulent card application and they closed my account! Citibank Security Fraud department then on XX/XX/XXXX call the Police and gave false information to the police stating, Her credit card is in collections and she made a threat! The Police responded to their false accusations and came to my home at approximately XXXX. The caller who made the call gave the Police the name as XXXX XXXX and a phone number that begins with XXXX area code. 
XXXX confirmed that a fraud investigation is currently opened against me. 

To date CitiBank and Wayfair discriminated against me because I shopped with Wayfair while being a XXXX woman. Their lies, false accusations is causing me tremendous stress and anxiety that due to their lies that the Police will come to my home and kill me just like what happened to XXXX XXXX and XXXX XXXX XXXX when Police killed them based on false information and calls from people telling lies! I need help! Citibank has lied repeatedly Wayfair has lied repeatedly! I want to be compensated for this ongoing harassment and discrimination because I am a XXXX woman!
Product: Credit reporting or other personal consumer reports

I viewed my reports and noticed items that weren't mine. I haven't applied for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I requested for them to apply the refund of the insurance they charged me towards my monthly car payment but they refused instead they charged it off and reported three months late payment on my credit and put it to the back of loan, so they can repossess the car.
Product: Vehicle loan or lease

I have a lease thru JP Morgan Chase bank, my past 3 vehicles have been leased with them as well without a problem, I recently was sent an advertisement from XXXX   XXXX telling me that I could trade in my lease early ( lease is up XX/XX/XXXX ) I went to the dealership and after running my credit they saw that Chase had reported I was later 12 times between XX/XX/XXXX-XX/XX/XXXX so they denied me even with a co-signer. I called Chase because I have always made a payment every single month! Not one month was skipped but there were several months when someone else was making payments for me because I was in the hospital through out XX/XX/XXXX- XX/XX/XXXX. There were months that since the person only made a payment of {$1500.00} instead of {$1600.00} that extra balance was carried over to the next month, so there fore each month it was a little more and more, I tried catching up but every month there ended up a small amount over due ( even one month it said {$1.00} past due! ) this resulted Chase " technically '' saying I was 30 days late. I just think this is unfair because now that I might have to be getting another vehicle because I was in a major accident the other day and it might be totaled. I understand that I might owe small balances from previous months that I have tried to get caught up with but I don't think that should be reported as 30 days late because there was always a significant payment made on the lease. I would just like to be able to lease another vehicle with XXXX XXXX. I tried disputing directly thru the credit bureaus but the choices are so narrow and they denied my dispute. I also called Chase and they suggested I contact the FTC. I have attached 2 examples of their version of past due.
Product: Debt collection

Back in XXXX Ordered a TV off XXXX for my wife in the nursery at the time, but it came damaged. XXXX sent replacement TV, and used my XXXX card for hold for advanced replacement. The TV was revived but the charge was not taken off the card. Contact XXXX was told it would be taken off, and told not to worry. I did not use the card after that and they closed it with the amount not refunded. I have contacted XXXX, the creditor repeatedly, disputed and fax MCM the info asked. They are continuing to change the balance and dates on. I have the return receipt from XXXX. The card issuer XXXX Card used has sold the unverified debt to a collection agency named Midland Funding and goes by MCM. MCM has been disputed, contacted and faxed all information on this but continuing to re-age the debt and amount. The balance was {$150.00} and has been turn in to {$460.00} and the date was XXXX has been changed to XXXX with it being open and late payment monthly. This is unverified debt that the original issue does not despite was inaccurate. 

Please I have been trying to rectify this but am being extorted to pay debt I dont owe or have this affect me financially by other means. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Included in Bankruptcy Federal Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX : XXXX, XXXX, A XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX refuses to comply with XXXX  XXXX discharge. Petal card sent update to TransUnion showing account charge off on XX/XX/year> and account as of XX/XX/year> is still showing charge off even though bankruptcy discharge notification was sent and received by them on XX/XX/year>. I have filed disputes on XX/XX/year> thru TransUnion directly and on XX/XX/year> thru XXXX XXXX And both disputes XXXX XXXX has not come into compliance with XXXX  XXXX discharge. I have also contacted them directly on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have also emailed them on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each contact attempt I have been given the round around and XXXX XXXX XXXX pointing blame on TransUnion or on me for disputing. This issue has been ongoing for XXXX and not once has XXXX XXXX XXXX has complied.
Product: Debt collection

I tried to tell Pressler & Pressler that XXXX credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. They have completely ignore my request to remove the following inquires requested from my consumer report. It has been well over 30 days since they received my dispute and by federal law they must remove the following inquiries requested.
Product: Bank account or service

To Whom It May Concern, I would like to call your attention that when I was reviewing my statement I realized that I was charged {$2.00} 12 separate times. I went to Apple Bank and to find out why I was charged and the Apple Bank accountant there explained to me that every time I use my debit card I will get charged {$2.00}. She also told me that I have to tell any store where I 'm using my debit card that it 's a credit card and sign immediately without putting in my PIN number so I can avoid the {$2.00} charge. Although, on my debit card it says DEBIT on the bottom and I was never informed about this {$2.00} fee when I opened my account. My family members all carry debit cards and they use it without any fees or charges. I want to know what the rules and regulations are when it comes to using my debit card and any fee that comes along with using it. I am being ripped off by this bank. 
My name is XXXX XXXX XXXX and the Apple Bank branch is on XXXX XXXX XXXX, XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, under reference number XXXX. I am demanding the immediate removal of this bankruptcy from my credit report. While I understand that it has not yet reached the 10-year reporting limit, its continued presence is a violation of my privacy rights and is adversely affecting my creditworthiness. 

Recently, I contacted TransUnion to dispute the reporting of this bankruptcy. In that communication, I emphasized my concerns regarding privacy and the detrimental impact this outdated information has on my ability to secure credit. I demand the removal of the bankruptcy from my credit report, citing my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX, which protect individuals from the unnecessary disclosure of sensitive information. 

I expect the immediate deletion of this XXXX  XXXX bankruptcy from my credit report and written confirmation of this action within 30 days.
Product: Credit reporting or other personal consumer reports

I am following up on my prior request for an investigation into the inaccuracies on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received a response from your office, and the incorrect information remains, negatively impacting my credit. This inaction is both troubling and unacceptable. For your reference, please update and remove the late payments for the following accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$770.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$7200.00XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$23000.00}
Product: Checking or savings account

******************THIS IS A NEW COMPLAINT*****************TRUIST HAS TAKEN FUNDS AGAIN WITHOUT AUTHORIZATION*************************THIS IS NOT A DUPLICATE**************************TRUIST HAS BEEN NOTIFIED PER MY LAST COMPLAINT REGARDING UNAUTHORIZED FEES BEING DRAFTED FROM MY ACCOUNT. THEY HAVE TAKEN FUNDS OF {$55.00} FOR OVER 4 YEARS FOR PAYROLL SERVICES THAT I DID NOT AUTHORIZE AND TRUIST HAS CONTINUED TO DRAFT FUNDS FOR UNAUTHORIZED FEES. ON XXXX/24, TRUIST DRAFTED {$35.00} FROM MY ACCOUNT FOR " SERVICE CHARGES '' -WHICH AGAIN ARE UNAUTHORIZED FEES. THIS BANK CONTINUES TO TAKE FUNDS OUT OF MY BUSINESS ACCOUNT WITHOUT AUTHORIZATION. ON XXXX/24, TRUIST CREDITED THE {$35.00} BACK. THIS BANK HAS NOT PROVIDED MY REFUND FROM THE UNAUTHORIZED PAYROLL FEES AS THIS HAS BEEN FORWARDED TO THE CFPB, FDIC, XXXX  AND NOW I WILL SEEK LEGAL ACTION AGAINST THE BANK. THIS BANK HAS BAD PRACTICES BY TAKING FUNDS UNAUTHORIZED. THIS BANK IS CONTINUOUSLY TAKING FUNDS OUT OF MY TWO ACCOUNTS EACH MONTH AND AFTER REPORTING THE LAST INCIDENT WXXXX, TRUIST STILL HAS TAKEN FUNDS OUT OF MY ACCOUNT AFTER MY COMPLAINTS TO UPPER MANAGEMENT, CORPORATE OFFICES TO INCLUDE MY ATTORNEY. TRUIST NEEDS TO REFUND ALL MY UNAUTHORIZED DRAFTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX - XX/XX/year>, XXXX XXXX XXXX - XX/XX/year>, XXXX - XX/XX/year>, XXXX - XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

Please see attached for entire narrative. 
I wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twenty-Nine years ago I was a stupid kid, did stupid things and got into trouble. 

Disputes : 3 Dispute 1 ) Reporting same case twice. XXXX is reported twice and should not be. 

Dispute 2 ) Reporting same case twice. XXXX is reported twice and should not be. 

Dispute 3 ) These records are 29 years old and are legally not to be reported by both Federal and State law. 

State and Federal Law : Federal : Restricted to 7yrs by CRAs per FRCA and EEOC State of Texas : Texas Business and Commerce Code 20.05 CRAs are restricted to 7yrs per statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to remove the disputed fraudulent items reporting on my Credit file. Again, I was a victim of identity theft and this is yet another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XX/XX/XXXX. The Credit Bureaus have also failed to send me copies of proof of verification from their investigation, if they really did conducted any investigation at all.
Product: Debt collection

Received a debt collection letter ( with no amounts ) dated XX/XX/XXXX from law office of Protas , Spivok & Collins , LLC, about some kind of judgement against me, with regards to " XXXX XXXX XXXX ''. I have no knowledge of this debt and I believe this firm is fraudulently trying to collect monies from consumers possibly with the same name. In other words, possibly having the same name, but wrong party. The letter has threatened further action including garnishment. 
As mentioned I have no knowledge of what this case is about and have not had any dealings with the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a first class letter to request the names, phone numbers, address and all other documents that were used to verify the accounts on my credit report that were recently investigated. By law, Experian is required to send this information within 15 days after completion of their investigation. Experian received my request on XX/XX/2024 per USPS tracking system. They refuse to send me this information. They are in violation of my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019
Product: Checking or savings account

A glitch on Ally 's app did not show a deposit i made a few moments before on the XXXX of XXXX. So, I proceeded to make the deposit again. The deposit then showed up twice, but also both were marked held for the FULL AMOUNT of the deposit. I first texted then called on the XXXX to correct my error to which the clerk told me that they showed the deposit had cleared but funds would not be released until the XXXX. I thought that Reg CC would apply, yet the exception hold should have only applied to one deposit ( which frankly should have been adjusted out during processing ). So. Ally just automatically puts exception holds on deposit errors without reviewing the error itself? How can that be ok?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at Check into cash would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
Product: Debt collection

Chase Marriott card on my credit score, shows closed but is incurring interest and missed payments. Please remove this card, its not mine.
Product: Payday loan, title loan, or personal loan

Unsure of the exact date, but according to the collection agency stated that is was in XX/XX/2017. I wanted to work things out with the company but they referred me over to this company, I feel that I was not given the time to work out a payment plan with them, or did I receive any notifications through mail, email nothing.
Product: Debt collection

I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.