23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

The card was purchased by me today at XXXX  its XXXX XXXX. Its an American Express gift card with XXXX $ on it, I can view the balance online but its getting denied everywhere I try to use it. I purchased this card to pay a bill and Im unable, Ive called them 3 times which 2 of the times they told me there is nothing they can do and the first time the man hung up on me. I have no idea how to get my money back or access it.
Product: Student loan

In or around 2007 I received student loans which were eventually serviced by XXXX XXXX XXXX. Due to delinquency I sought legal assistance and settled my balance for the loans which was paid in the amount of {$13000.00}. I recently learned of XXXX XXXX XXXX improper collection practices and as such, I would like my account reviewed and to receive a refund of all settlement monies paid should it be found the the company did not have the right to collect this money. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a data breach.

Fraudulent accounts have been reported on my credit file without my consent. Under 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX  - XXXX - {$0.00}
Product: Prepaid card

CITIBANK said I had a " bankruptcy and your account was included in the filing ''. There is nothing on my credit like this that has been reported in the last 20 years or more. If this is true, then it is in direct conflict of the credit reporting laws, that a major institution can hold credit items against you that may or may not have occurred 20 years ago. I did file bankruptcy once, about XX/XX/XXXX-XX/XX/XXXX, but I bought a home, receiving a mortgage in XX/XX/XXXX. Since then there is nothing other than some old medical bills from XX/XX/XXXX when I became XXXX.
Product: Checking or savings account

Hello, Ive been a member with Wells Fargo since XX/XX/XXXX, and as of today I NO LONGER want to bank with them. Wells Fargo is constantly charging my account excessive fees to cover insufficient amounts for the day. within the past month I've received a total of 7 {$35.00} over draft fees. like why cant it be {$35.00} for the day and not each? They have denied me a refund on theses fees stating that I've received {$52.00} total in the past 12 months for reversal and I do not qualify for anymore. This bank has made a total of {$240.00} from me in fees. Im barely working many hours to pay my bills and no I have more fees to pay. with my children being home this summer I can not pick up any am shifts only night which has limited openings. on some of these transactions I've had the funding, its just that I miss the XXXX deposit time. at this point I just want everything closed except my credit card. t. there has been multiple issues, lawsuits, theft with this bank.
Product: Credit reporting or other personal consumer reports

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Victim Location XXXX Type of a scam Government Agency Imposter FRAUD NEVERRRR do business they will convince you in all these good long term benefits that arent true.. I received emails and phone calls from multiple people in this office stating that they are company through the Department of education and I may qualify for a Loan forgiveness program well long story short I received multiple emails from fed loan servicing stating that I have suspicious activity on my account that It looks like you are going through a 3rd party company that will over charge you fees when you can go on our website and do it free. I called XXXX XXXX XXXX where my student loans were through at the time i told them exactly what happened they told me that this company is not affiliated with the US department of Education the rep i spoke to told me to dispute all charges with this company that my bill with them is not due until XX/XX/2022 and that i should not be paying a 3rd party company I disputed all charges with my bank.. So when i called called Alum XXXX told me that fed loan is lying!! XXXX is trying to convince me that is I pay them {$150.00} a month for 5 months my interest rate with my student loan I wouldn't have to pay back at the end that i only have to pay the actual loan. I asked rep where is my money going are they going towards my shes states the money goes to the services what were rendered to you that it does not go towards my student loans. I told them I want to cancel my policy because the information your telling isn not making any sense to me after our phone call I received several emails stating if I cancel that i would have to pay {$1200.00} upfront and if I dont pay that they will damage my credit and garnish my wages. SO I called XXXX XXXX XXXX  back telling this information they are investigating this i have case numbers and people who I spoke to. My concern is that these people have my personal information which I did not get any of that over the phone they had all my information before they emailed me. I have all proof also when you look up this company on XXXX it states that this site may be HACKED!! Everything about them is MISLEADING and trying to steal your money.. I dont want nothing to with them and I dont want them ruining my credit..
Product: Vehicle loan or lease

Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

( INACCURATE INFORMATION ON DATE OF LAST ACTIVE )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Checking or savings account

Money Network is the service provider for the checking account where my XXXX pay is deposited, and they have made it impossible for me to access my funds for XXXX, which is due tomorrow. Their mobile app is broken and doesn't allow anyone to sign in ( see Money Network app reviews in the XXXXXXXX XXXX XXXX and the XXXX XXXX ), and there's no work-around for that. Their website is broken and gives an XXXX XXXXXXXX every time you try to sign in, and there's currently no work-around or fix for that. And when I try to withdraw my funds from a different bank, the withdrawal is blocked because I don't know the exact amount in the account, and a XXXX hold is placed on my account. Money Network doesn't deserve to exist as an organization. How is this not actionable? They have my money and won't give it to me.
Product: Debt collection

I have been getting nonstop phone calls from this company for the past 6-8 months. I had insurance at the time of service and they did not update it in their system. I have been insured since 2011 with the same insurance. I decided to get onto a payment plan due to the non stop phone calls and harassment. I was also told it would go on my credit report and ruin my score. I have decided to no longer make payments due to their negligence of updating their system and the non stop phone calls.
Product: Checking or savings account

I deposited an IRS check in the amount of {$4800.00} into my truist bank account on XX/XX/XXXX and was notified by a letter that only {$100.00} of the funds will be immediately released to me and the other remaining balance will be cleared and released into my account as immediate available funds on XX/XX/XXXX. I recently contacted the bank to see if it's possible to release my funds I am assure the bank has cleared the funds since it has almost been 3 years since the deposit of the check. The Bank is not willing to work with me and stated my account is on a dormant status because its negative {$100.00} dollars when how can my account be negative if they are holding {$4700.00} in my account.
Product: Credit reporting

Equifax is incorrectly reporting a lien on my credit report. I have written them twice for evidence that such lien exists and they can not provide me with anything yet they still are reporting it on my credit report. I have also called and disputed this item, but they continue to say it is verified.
Product: Checking or savings account

Well back in I believe 2011 I lived in XXXX XXXX, NV. I had a Wells Fargo checking account. My account was closed due I believe empty envelopes in the deposit slot at the ATM. AND there was no money or checks. At the time my account had between $ XXXX {$400.00}. I never received my money that was in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit back on XX/XX/. I called them directly with no resolve. I disputed it with TransUnion but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with XXXX but they did not remove it.
Product: Debt collection

XXXX XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND XXXX XXXX IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Product: Debt collection

On XX/XX/2023 I received a notification from XXXX and XXXX that about collection placed on my credit report. I have never received information about this debit via email, phone call or in the mail. This is my first acknowledgment of this. Per the collection agency it is stating that I owe {$380.00} to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complint against XXXX XXXX XXXX for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XX/XX/2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon XXXX XXXX XXXX correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau Trans Union how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from XXXX  XXXX XXXX and Trans Union/Credit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the Transunion and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXXXXXXXXXX XXXX  XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance {$2400.00} This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to Dishonor the FCRA Section 605B I HAVE SENT TRANSUNION ALL THE DOCUMENTS AND SENT DOCUMENTS THROUGH CFPB PORTAL AND THEY CONTINUE TO FALSELY STATE THEY HAVEN'T RECEIVED THE REQUIRED DOCS BUT I HAVE PREVIOUS COMPLAINTS WITH ALL DOCS FOR PROOF OF PREVIOUS COMMUNICATION ... THE FRAUDULENT INQUIRES ARE NOT PERMISSIBLE PURPOSES FOR THERE ARE NO OPEN ACCOUNTS WITH YOU FOR IT TO BE STATED PERMISSIBLE ( XXXX XXXXXXXX ) TRANSUNION CONTINUES TO USE STALL TACTICS AND DAMAGE MY CREDIR REPORT EVERY REPORTING PERIOD ALONG WITH DEFAMATION OF MY CHARACTER. THEY CONTINUE TO VIOLATE MY RIGHTS TO PRIVACY. TRANSUNION CONTINUE TO FAIL TO SEND ME PROOF OF WRITTEN INSTRUCTIONS/AUTHORIZATION OF THIS FRAUDULENT ACCOUNT AFTER RECEIVING MY POLICE REPORT AND FTC IDENTITY THEFT REPORT. MY REQUEST IS NOT MADE IN ERROR FOR I HAVE SENT PROOF OF IDENTITY AND ADDRESS. MY REQUEST IS NOT A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST. I HAVE NOT OBTAINED ANY POSSESSION OF GOODS, SERVICES OR MONEY FR THIS TRANSACTION FOR I HAVE STATED SENT IN REQUIRED DOCUMENTS ACCORDING TO SECTION 605B OF THE FCRA POLICE REPORT, IDENTITY THEFT REPORT. TRANSUNIOM JOB AFTER RECIEVEING DOCS ACCORDING TO 605B TO THOROUGHLY INVESTIGATE AND SEND ME PROOF TO SHOW IF MY CLAIMS OF FALSE OR NOT IF NO PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO INQUIRIE MY CREDIT REPORT THEN IT MUST BE BLOCKED and deleted within 4 days of receiving documents continue to dishonor my request and the rules and regulations of FCRA and VIOLATION my rights is a {$1000.00} per VIOLATION which I hope transunion knows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I believe, I had opened an savings account with SELF credit. Where I had to make monthly payments to self and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was telling/ describing to me. They then told me it was a self visa credit card and I told them I had a self saving account but no card. Was denied the home loan. I then reached to self and the number that was connected to the account on my credit report was connected to a prior employee at self that hasnt worked there in 9 years I called the number and he was telling me that. I then XXXX  selfs phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX  phone number for this business. Ive let self know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a self card. I recently just received a XXXX $ Check from self and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.
Product: Debt or credit management

XX/XX/2024 Subject : CFPB to take off negative score. To : Credit Union Transunion XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Product: Debt collection

They called and said I owed XXXX XXXX {$270.00} for a place I lived at 3 years ago. I called XXXX XXXX. I have no bill in collection for my old or current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a letter dated XX/XX/2022 from Equifax Information Services. In this letter they are requesting a copy of my drivers license, my social security card and utility bill. I HAVE since 1 or 2 months ago already send all 3 of these identification documents... several times! 

Equifax has continued to dodge my request for corrections on my report. This time is a tactic for claiming that they haven't received any of my proper identification documents. They have. Several times over. 

I find it pitiful that a company like Equifax gets away this type of treatment to their customers. 

I have sent NUMEROUS letters to Equifax over the last several months and each and EVERY time I have included the identification documents. 

Equifax has NO excuse. 

Please investigate this matter CFPB. 

I've had enough. 

All I want EQUIFAX to do is to FIX all the errors my credit report from incorrect names to inquiries to lates. 

Equifax STILL has the wrong name for me. 

My name is NOT XXXX XXXX XXXX My name is legally XXXX XXXX as stated on all my documents ... my drivers license, my social security card, and my utility bill. 

Equifax has all the proof they need to fix this error. 

This problem with fixing my name and other errors my Equifax report is causing my credit score to not be fixed and I'm also being denied other credit opportunities. 

Thank you for your help in this matter.
Product: Debt collection

At this time Toyota Financial is using unfair communication tactics to thwart my dispute against extra charges on an existing auto loan that is outstanding. 

I wrote Toyota a certified USPS letter dated, XX/XX/2022. 

They received that letter on XX/XX/2022, and they have yet to respond. 

At issue, is that Toyota has charged me a total of {$690.00}, in fees that are erroneous and excessive. I can't even get in contact with someone to dispute the fees, or at least, come to an agreement of sorts. 

I owe approximately {$12000.00} on my loan with Toyota Financial, and I am ready to pay off that amount IN FULL ; however, for every single day that passes Toyota increases fees to that amount.

I have tried contacting Toyota on the phone, to no avail. A snobbish person answers the phone and informs me that they are recording the call. In turn, I inform that I also reserve the same right and that I am recording the call. Toyota then hangs up, ending the call ; thus, placing themselves at the advantage of increasing the balance due on the vehicle, which ultimately results in them reporting negatives to the credit bureaus.
Product: Mortgage

My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. 
My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.
Product: Credit card or prepaid card

I have a Sears credit card since XXXX. I have always paid on time until I was impacted by Covid 19 in XXXX. I was given a couple of extensions due to Covid 19. After 2 exception periods, I have been harassed by Citi Bank. I called on XX/XX/XXXX before the extension expired to let them know that I am still impacted and they said they were going to document the account. I have been harassed after that even before XXXX XXXX PST. This is causing a lot of stress. Around XX/XX/XXXX I agreed to speak to the Solutions team to see what they could offer me to take care of the account. At that time they offer me a 58 month payment plan for {$550.00}. I told them I would not be able to commit to that amount and I could pay {$350.00} to {$400.00} max as I was asking my son to move back and pay rent. They told me several times that they could only offer the {$500.00} for 58 months and advised me several times to call back after XX/XX/XXXX to see what new programs would be available. Several associates let me to believe there could be a better program that may work with my limited budget. On XX/XX/XXXX I called in and when they reviewed the account they told me they can offer me {$560.00} a month so they are charging me interest for another month and the amount has gone up. This company does not care about my account having a perfect payment record for 30 years. They led me to believe i would have other options and I found out that actually the interest has gone up for another month which I could have avoided if they would have been upfront to tell me that if I did not take that offer the next ones would be higher. I could have made a payment of {$550.00} on XXXX but kept heating to wait until after XX/XX/XXXX for other options. This is very misleading and it feels like Citi Bank does not value a relationship and does not accept responsibility for associates misleading. I asked to at least be put back to what they had offer me and they are refusing to work with me. They have no consideration for people who are impacted by the pandemic and are trying to be responsible ene if you have always been on time and have a 30 year relationship. They are forcing me to get into a worse situation. Please help me I am trying to be responsible and they are not working with me. Thanks.
Product: Credit reporting or other personal consumer reports

Ive called and emailed and mailed in letters to experian to fix the indentifty theft problem that left me with absurd collection accounts Ive done everything under the sun filed with the ftc and they still refuse to help me with my problem
Product: Debt collection

I have gave ALL parties 2 chances to cure. I have requested info on the investigation and wet signature contract stating I will pay alleged debt. This account have been removed twice and XXXX XXXX XXXX XXXX  continues to furnish this back on my consumer report without sending me any communication. 15 USC 1692 and 15 USC 1611. Following parties have violated my rights and with the help from the CFPB I will seek damages. I demand deletion of the account IMMEDIATELY!!! Please see Attachment! 18 USC 8