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

I heard about wellsfargo not disbursing the correct funds or errors within their system for overdraft fees and I have not received correspondence about this and do not know if my account has been affected
Product: Payday loan, title loan, or personal loan

There is an account reported on my credit file with Synchrony/Walmart XXXX I believe to be over the statue of limitations. I can not get proper documentation from anyone showing a true payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact these companies several times since XXXX XXXX,2021. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I went to TransUnion 's official website to get a free credit check. I entered my debit card info as I thought this was a standard part of the credit check, and with no warning received TWO charges from TransUnion for {$24.00}, as part of a monthly subscription service. There was no subtotal, total, cart, listing or any other such indication presented to me letting me know I would be charged, and it was heavily implied throughout the process that the credit check I was receiving was free.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX I checked my credit report and all of my inquiries was deleted. I logged in today and all my inquiries are back and it caused my score to go down.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax has accounts on my credit report which havent been updated since XX/XX/XXXX. Equifax refuses to follow bankruptcy as these accounts have already been included and discharged in my bankruptcy which was filed XX/XX/XXXX. Equifax has an inquiry on my report which is fraudulent from XXXX XXXX. Ive never applied for that company. My XXXX XXXX auto loan is paid off and equifax doesnt report that. Equifax has each account listed on my credit report twice. Most of which accounts such as XXXX which was fraudulent anyways opened by identity theft hasnt been updated since XXXX. Equifax also refuses to follow bankruptcy laws and refuses to update the accounts on my file even though they were discharged.
Product: Mortgage

IT HAS COME TO MY ATTENTION : I WAS NOT CURRENT ON A MORTGAGE PAYMENT DATED XX/XX/2020 AND MY FORBEARANCE STARTED ON XX/XX/2020 AND ENDED ON XX/XX/2020. BUT DOCUMENTS # 2 & 3 SAID I WAS, THIS TAKES ME FAR APART FROM GETTING THE HELP I NEED. AND THE SPACE IN THE ESCROW TAXES AND INSURANCE, THAT IS FOR PROPERTY TAXES AND WHAT KIND OF INSURANCE SHOULD I BE PAYING? MY PROPERTY TAXES IS WELL COVERED AM I PAYING PMI? IF I PAID $ 400 MONTHLY FOR A YEAR THE PROPERTY TAX PAID WILL BE {$4800.00}. WHERE IS THE OTHER {$250.00} GOING TO? THE VA LOAN IS 100 % GUARANTEED BY THE VA NO PMI IS REQUIRED. EVEN BY A BANK. I MADE A ONE-TIME PAYMENT AT CLOSING INTO THE VA FUNDING XXXX DOCUMENT # 1
Product: Credit card or prepaid card

Today XXXX/XXXX/XXXX, I went online to make a store credit card payment to Walmart. On my paper bill it said go to Walmart.com/credit. I went to the website and it was very difficult to find the link to make a payment. There was a huge advertisement to get a credit card. The link to make a payment was found located very discretely at the bottom of the page. It was difficult to get to the bottom of the page due to the fact the advertisement to apply for a credit card was so huge, as soon as you click the area in error it brings you to a page to apply for a credit card. After registering, I was able to make a payment. I chose the option to pay with a debit card. After giving my debit card information and clicking submit, it did not confirm my payment was made. It did not give a reference number or any expectations. I go back to research and it does not reflect my payment was made. It will allow you to make another payment despite the fact that you just made a payment. I checked my bank account and the amount was taken from my account. I contacted online customer service and explained what happened. The respond that it will take XXXX hours to reflect a payment was made. My concern is that this website was very misleading and should reflect and confirm when your payment has been made. There was no disclosure of what to expect after making my payment. I want to mention I did contact my bank and customer service first before trying to submit another payment, my concern is for those who would have not thought to do that. The website comes off as secretly taking advantage of consumers.
Product: Debt collection

Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX XXXX account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX  credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!
Product: Credit reporting or other personal consumer reports

I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on XXXX ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX - XX/XX/21 2. XXXX - XX/XX/21 3. XXXX XXXX - XX/XX/21 4. XXXX - XX/XX/21 5. XXXX  XXXX XXXX - XX/XX/21 6.XXXX  XXXX XXXX XXXX XXXX XX/XX/21 7. XXXX XXXX - XX/XX/21 8. XXXX  XXXX XXXX - XX/XX/21 9. XXXX XXXX XX/XX/21
Product: Credit card

On XX/XX/23, Citibank reduced the credit limit on my simplicity credit card from {$10000.00} to {$6600.00}, a reduction of {$3300.00}. This action was to be done immediately and no reason was given. I have had this card for almost 6 years and have never had a late payment. This unexplainable action that this bank has taken will have a serious impact on both my credit score and the financial well being of both me and my family. On XXXX, I called the bank and made a request to their rep. to have them reconsider this action. I received word today that my request was declined. I would like Citibank to reinstate my {$10000.00} credit limit and issue me an apology for this insensitive customer situation.
Product: Debt collection

XXXX XXXX XXXX has sent my internet bill to a company called XXXX XXXX I told them.when I get the extra money I will pay the bill I'm paying other credit card debt right now I have told this company this several times. 2weeks ago this company called my supervisor work phone. When I asked the person on the phone how they got her number he said XXXX XXXX XXXX proivde it to them. I'm confused because I wasn't working for this company when I had my XXXX XXXX XXXX service that is volition of my right
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  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 a 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 card

I called Macys, last year on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, besides other times trying to dispute a Macy 's account which was opened in XXXX just before the hurricane in XXXX. Speaking with the customer service who kept this account valid fromXX/XX/XXXX through XX/XX/XXXX.Constant calling and speaking to several different people. I spoke to very upset when the account was transferred to Bloomingdales at one point. I am a Victim of ID Theft in XXXX, XXXX, XXXX which is when I filled a police report with account ending in XXXX. I sent so many inquiries to ask for them to update investigate and delete. Macy 's ignored my response and kept this account on my credit file. I asked them if I could apply for another credit card, because of my credit file with credit bureau 's was destroyed.
Product: Credit card

I originally submitted a claim through the CFPB for the same purpose. In the response call, the Bank associate who handled my case did not adequately address my concerns. She only discussed the denial of a credit limit increase. I am concerned, however, that the way that the credit card application was presented to me was misleading. It was shown that I would have an opportunity to transfer a balance to this card for a certain period of time and that the balance transferred would be subject to 0 % APR financing. During the application, there was a question which asked me what amount I would like to transfer, and I indicated that I wanted to move about {$10000.00} to this card. After about 45 seconds, I received a decision from the online portal that the card was approved with a credit limit of {$500.00}. Now, I have a card that I didn't really want in the first place to which I can't even transfer my balance from another card ( as suggested in the advertising ). I am arguing that the language used in the advertised offer was intentionally deceptive and was used to coerce me into opening the card.
Product: Credit card or prepaid card

I filed a clam of fraud because someone debited {$300.00} from my account. I feel they were truly unprofessional in the handleing of my case. They concluded i guess that i was not being truthful and responsable for the missing money. In there terms of agreament it states we as card holders have zero liability for fraudulent chargers. 


I need to know what body of evidence did these geniuses use to come to there conclusion. I hope so much they made there choice on face rather than personal options and feelings. 
Bottom line it wasnt me who debited {$300.00}. 
Please help me i feel like a nobody with zero power and only delt as an annoyance rather than a client.
Product: Prepaid card

I have XXXX gift cards from American Express for {$100.00} each and cant use them online or in a store. XXXX and XXXX no longer take this form of payment
Product: Consumer Loan

I took out a personal loan during a difficult time from Big Picture Loans after receiving a document in the mail being approved for {$670.00} plus a {$160.00} finance charge. I paid on this as I was scheduled and I recently received a notice that my rate is going up next pay period when it should be paid off at this point. I feel trapped in a perpetual payment I can not escape with mounting debt. Is there anyway to settle this without driving me to bankruptcy? Please help.
Product: Mortgage

Bank of America took over the servicing of my home equity line of credit from LaSalle Bank. When the line of credit was just prior tomaturity they offered me a pre-approval on the refinancing of the home equity line of credit. I stated that I was going to be selling the home and I was assured that I was only going to be responsible for a {$600.00} pre-payment penalty if it was paid off within the first year. I agreed to the terms on their recorded phone conversation and proceeded to submit all the necessary supporting documentation. At that time my credit scores were well in excess of XXXX on all XXXX major credit reporting agencies. I was assured as a XXXX customer of over 30 years that I was fine. They sent a letter out 45 days later with a statement saying that they declined the refinancing due to the home being recently being listed on the XXXX. I began receiving collection calls from them immediately after this even though I was making timely payments the entire 10 years I had this account until payoff. The B of A collection representative 's response was to put me in contact with someone about loan modification. I was not interested in loan modification. I had kept every creditor paid timely during the Great Recession and was surely not interested in what many people were doing at the cost of others. I immediately dropped the price of my home {$100000.00} and sold it days later. Bank of America was notified from escrow that they were being paid in full and they were. They reported me as a delinquent payee on the account to all XXXX credit agencies with total disregard. Had I not been deceived into thinking that I was approved for the refinancing, I would have had the time to make other payoff arrangements prior to the credit line 's maturity date. I had the capability to do just that but the time consumed by their mortgage department to notify me of their decision negated this possibility. They have not cooperated in anyway to correct the situation that was caused by their attempt to sell me a new loan. Currently, their negative reporting of my account places me into a higher cost of obtaining credit. Is this their tactic? I hope the CFPB looks into this practice. Bank of America never lost a dime on my account. They never had late payments. They yielded in excess of {$100000.00} in interest while I lost another {$100000.00} to protect my credit. The very credit they profit from by getting my credit score lower.
Product: Checking or savings account

Re : case number XXXX complaint number that you keep deeming closed for duplication. 

What we need is there to be charges pressed against XXXX XXXX XXXX who forged a XXXX check with XXXX XXXX XXXX 's Citibank Checking account dated XX/XX/XXXX. The day that XXXX XXXX XXXX Passed Away. 

You have been sent the forged check. The check was written to XXXX XXXX XXXX XXXX Who also had illegall transferred over {$12000.00} out of XXXX XXXX XXXX XXXX account at XXXX  XXXX XXXX XXXX ( yes I know you are not XXXX  XXXX XXXX ). You Also have been given all documnet so prove the forgery was for fact done by XXXX XXXX XXXX. 

he needs to be reported to the athorities. I can not do it because you won't give me the proper documents to do so. IT is know almost 1/2 through the XXXX  year and my father pased in XXXX. This is too long. yes you got the money back but you did not press charges and what XXXX XXXX did was go manipulate the money out of his XXXX XXXX XXXX mother. She was diagnosed with XXXX  XXXX in XX/XX/XXXX and I was her full time care and full time trying to protect her from my brother stealing from her. She passed away in XXXX and because you refused to press charges so I can protect my mother as I requested a dozen times. XXXX tod my mother that someone stole XXXX from him and she beleived him and gave him the money to pay Citibank back. That is not okay. In her last month of her life she cried alot and she told me that XXXX had managed to get over {$45000.00} out of her the last year of her life. I also watched him get her to write him a XXXX check in XXXX XXXX days after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I could not stop it because it would upset her. it was horrifying. The last month of her life she told lawyers and mysef that she did not want any son around her due to their stealing, manipulation and actions to her and to my father, XXXX XXXX XXXX. Citibank should have pressed charged or reported to the authorities the first moment you were made aware of this forgery and stolen money done to XXXX XXXX XXXX in XXXX of XXXX you added major stess on me going back and forth with you over and over again. and I was very clear and said something needs to be done legal to STOP them from doing the same to my mother. You didnt. 

I will NEVER use citibank in my life. 
shame on citibank for allowing two seniors to be taken from financially. 

I want citibank to get XXXX XXXX in legal trouble for his forging XXXX the day my father died and XXXX XXXX for accepting that check and funds. between the both of them they stole of XXXX that I know about and fought for to get back. it took me hours and tears and dozens of phone calls and emails and nearly 2 years to get the funds back. NOt okay. XXXX XXXX XXXX and XXXX XXXX XXXX should both get in legal trouble for taking from XXXX XXXX XXXX a client of Citibank since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX  and XXXX XXXX. This is the second time I have had to complain.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report and they put on my credit report the data of furnisher as the us bankruptcy court of XXXX which is false. I have attached a letter from the us bankruptcy XXXX XXXX XXXX Verifying and stating that they do not furnish information to the credit bureaus nor credit monitoring services and they dont validate any information with credit reporting agenices or monitoring services. Equifax is falsely stating this on my credit report any yet to remove it. Equifax also stated that they received their information from XXXX XXXX and the bankruptcy court of XXXX. I have documentation that XXXX XXXX states they receive information from credit reporting agencies. You have The furnisher as us bankruptcy court. Equifax is falsely reporting information on credit report. This is a Violation Under the Fair Credit Reporting Act ( FCRA )
Product: Money transfer, virtual currency, or money service

Robinhood failed to protect my account from unauthorized transactions despite my repeated warnings. In XX/XX/, my account was hacked, and the attacker transferred my XXXX  holdings out of my account. Additionally, the hacker sold several of my stock positions to cash out funds. Robinhood did not restore my stock positions. Instead, they only returned the money that was fraudulently spent using the unauthorized cash card issued at that time.

While the hack was happening, I contacted Robinhood chat support and explicitly warned them that my account was being compromised in real-time. The agent dismissed my concerns and told me, " Not to worry. '' The next day, my XXXX  was gone.

After the hack, Robinhood froze my account for two months but never properly investigated my case. I have repeatedly requested chat transcripts from XXXX  XX/XX/XXXX to prove my case, but Robinhood has ignored my requests. Recently, I also discovered that Robinhood issued a new cash card to an unauthorized address, showing continued security failures.

Despite multiple escalations, Robinhood has denied my claims, stating the transactions were " authorized '' without providing evidence. Their support has been unhelpful, looping through generic responses and directing me to chat or phone support without resolving the issue. This lack of accountability has caused me financial loss and emotional distress.