23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My spouse and I had a joint Citi Priority account with Citibank , N.A . We closed the account because it no longer met our needs. We withdraw funds from the account to do so, but accidentally withdraw {$0.00} too much ( XXXX cents ). When we realised this, we transferred {$5.00} to cover the {$0.00}, and closed the account. 

Citibank, however, kept the account open because it had a balance associated with it, and then began applying both monthly service fees and overdraft fees on these monthly service fees. Three months after we closed the account, we have begun receiving repeated collection notices for an increasing overdue amount that grows each month, even though the account has now been closed by Citibank. The amount that Citibank now says is owing is {$120.00}. They have been sending mail requiring payment every few days. When we tried to call them, the representative went through Citibank 's rationale for all of their charges, put us on hold, and then the line went dead. 

This seems unreasonable, at a minimum. We would like Citibank to stop sending these notices and to admit its mistake in not closing the account when requested to do so. We are happy for them to keep the {$4.00} or so that we overpaid.
Product: Debt collection

My current address XXXX XXXX XXXX XXXX, Georgia XXXX. This has been my address for the last 7 years from XXXX through XXXX. 
My second current address from XXXX through XXXX XXXX XXXX XXXX XXXX. 

My rental properties which I have never lived in XXXX XXXX XXXX XXXX XXXX, Al XXXX this property had three renters and was sold XX/XX/XXXX. 

My second rental which I current rent XXXX XXXX XXXX XXXX XXXX, Al XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, Georgia XXXX, and I have never lived at XXXX XXXX XXXX XXXX XXXX, Al XXXX My employer XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Product: Credit reporting or other personal consumer reports

s per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I lost my job due to a severe illness preventing me to work. I have a loan with CarHop finance aka Universal Acceptance Corp. And we worked out payment plans and I have emails specifically stating from one person that the payment plans will bring me current and the remaining balance will be pushed back to the end of my loan. I then started to be harassed by another person who says I still owe that balance. She completely ignored the fact that someone else stated I would be current. I went back and forth with her in emails because I do not have a phone to call from at this time. So all of this is documented and she is falsely saying I agreed to make payment plans on the remaining balance when I did not. Before this she said I must pay XXXX dollars so they could push the remaining balance to the end. Although I did not want to, since I was told something different prior, I still did it so they would stop harassing me. They took the XXXX and now won't push it back to the end which of course will later involve a repossession which is wrong because I followed all the instructions given to me since this has happened to me. Please tell me what to do because they are notorious for being criminal.
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ), XXXX XXXX XXXX XXXX, FL XXXX credit cards , personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Debt collection

This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App ; which failed to take timely and necessary measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have mailed multiple letters to Experian asking them to remove wrong address that does not belong to me and never has. I have explained to Experian that there should only be one address on my credit report, therefore any other address on there is wrong and belong to someone one else. I have even sent in my Driver 's license with my address and also have attached a copy of a current bill and social security card to prove my personal info, yet they still continue to allow wrong personal information to be on my credit report, which is damaging me in multiple ways, especially financially. in addition to that it is draining my mental and emotional health. For example, I'm ready to buy a house yet because of the extra addresses Experian has on my account, I'm not able to do so. this situation has an easy fix, which is to remove all addresses other than the address on my Driver 's license. 

*I will also attach the file and letters i have sent Experian.
Product: Debt collection

Transworld System Inc : I believe it was for an account with XXXX XXXX XXXX, there is a charge for {$1000.00}. Charge was disputed as fraud on XXXX
Product: Debt collection

I was receiving gas and electric services from XXXX XXXX in Rhode Island, then closed my account when I moved out of state. I received a bill for services, then a reimbursement check for overpaying. I cashed the check thinking that my account was successfully closed now. Later, I received a letter from Allied Account Services on XX/XX/18 for {$120.00} stating that it was a attempt from a debt collector to recover a debt. This has shown up as a derogatory mark on my credit report. I disputed with Allied, who stated they would contact XXXX XXXX. I was sent information stating that there were 2 accounts, one for gas and one for electric, and I had overpaid on one and underpaid on another. Despite receiving a reimbursement check ( and thinking payments were appropriate once the check was cashed ), I still owed on my other account. I contacted Allied again and requested a pay for delete agreement. An Allied representative told me she could take payment and that XXXX XXXX had just started allowing them to tell customers that the mark would be deleted from credit reports within 30 days from date of payment. I asked for this in writing but was declined. I did not make the payment. I called XXXX XXXX and again requested a pay for delete agreement in writing, and a representative told me that this wasnt possible and also the derogatory mark would not come off within 30 days, but I would have to dispute in order to have it removed. I did not make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. Its so weird that y'all keep claiming this account to be verified and IT IS SO ABUNDANTLY CLEAR that the info is inconsistent. Now rather is XXXX, XXXX XXXX or Transunion that its reporting the wrong information is none of my concern, XXXXhe point is ONE OF YALL WRONG DELETED this mess its very clear it wasn't properly verify. Have currently XXXX late payments that are not accurate. I have been asking for proof of how I was late and how can the XXXX credit bureaus have different late payments listed? For the past year I have asked for this information to be updated with no verification other than the company saying they are Correct, If so why do I have different late payments?. I'm demanding for my profile to be updated to no late payments. 

Please view the information below as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted my background check on XXXX still says pending also I've submitted my background check on XXXX XXXX same company went through right away XXXX XXXX account says pending this is hog wash the same company access the same info no need too be pending.
Product: Checking or savings account

I'm filing this formal complaint against Wells Fargo for the egregious breach of trust and illegal misuse of my personal and business information. It has come to my attention that a Wells Fargo employee inappropriately opened credit cards and other accounts in my name without my consent or knowledge. 
This unethical and unlawful practice has caused significant financial damages, not to mention the violation of my privacy and the erosion of the customer-bank relationship built on trust. I am demanding that Wells Fargo take immediate action to investigate this matter, identify and terminate the responsible employee ( s ), and provide fair compensation for the monetary losses and emotional distress caused by their reprehensible actions. 
I expect a prompt resolution to this grave issue. Failure to do so will result in further legal escalation. This incident occurred prior to the pandemic weakening the business 's credit strength, and affecting its financial health ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a text message telling me that there was suspected activity on my Truist card. The text advised me to verify my transactions by clicking a link. 

I did not click the link. I called Truist and asked if they had sent the text. They said that there was no fraudulent activity on my Truist account, and that the phone number was not in their system. 

Phone number : XXXX ( XXXX ) XXXX Text message : TRUIST : Urgent! Suspected fraud transactions on your Card. Verify transactions now at XXXX XXXX XXXXXXXX to secure your account.
Product: Credit card or prepaid card

I contacted Wells Fargo regarding a negative credit report on my account. I was provided a document by them stating my account was closed with a XXXX  balance. Now I check my credit and its showing the negative reporting as well as a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect information
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX to investigate and delete late payments for SYNCB/Walmart account XXXX is reporting inaccurate account number and late payments to my credit report. On XX/XX/XXXX, the dispute is completed and additional inaccurate information was added to my report. They have added additional late payment for the year XXXX and charge off for XXXX on an account that was paid and closed in XXXX. I called XXXX to verify information at XXXX. Representative confirmed that account was paid and closed in XXXX and no balance is owed. I requested for them to delete the information from my credit report and was told they will investigate and it could take up to 45 days. This is unacceptable for Experian and XXXX to be able to add inaccurate information to my report after a dispute has been filed. I am in the process of applying for credit and this inaccurate information can hinder that process. Experian and XXXX need XXXX both correct their process of validating information before adding inaccurate information to my credit report.
Product: Checking or savings account

Synchrony bank has attempted to close my PayPal Credit account without any advance notice per ADA requirements, stating that there were insufficient funds which is not correct at all. 

There have always been additional funds to withdraw from three type of money accounts and one is PayPal 's own savings account so there should have never been any insufficient funds charges or closing of my account because they allow for a draw against their own PayPal savings account. 

And lastly IF I had the inability to make payments for this account I had been subscribed to the PayPal protection plan since XXXX. 

I don't have to request that because I have an ADA this bank is supposed to automatically notify me of this per ADA law.
Product: Debt collection

I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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
Product: Mortgage

Bank of America XXXX is reporting inaccurate late payments on my credit file that is negatively impacting my scores.I have sent letters to Bank of america in XXXX and XXXX and they have yet to respond with a resolution. My payment history needs to be reviewed and corrected immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

My Mortgage payments were suspended during the covid crisis. I was told my payments missed would be made up at the end of my mortgage term. When I began making payments again those payments were returned to me, and I was placed in to foreclosure and I had to file bancutcy to protect my home. I'm currently paying my mortgage under the terms of the bancruptcy. But I want to dismiss my bankruptcy and have Wells fargo honor the agrreement under the CARE act. The only offfer Wells fargo Made to me was to do a short sale on the house which forced my into bankruptcy protection.
Product: Credit card or prepaid card

Ive long since left Wells Fargo but I do want this to be on record since I didn't know I could file a complaint. When I was a college student in XXXX, I was pressured into getting a credit card as I had no money and no steady income. I was told I would be assisted and helped out throughout the way but I wasn't informed that I had to pay it back ( I was very misinformed about how credit cards worked but still was talked into opening one ). Being a special needs college student I couldn't get a job and I didn't have family support so I had no income or way to make payments on my card. I had considered using my tax return to pay off all of it even if it would leave me with nothing. But I was told not to by the person who was helping me manage at the time. It took about a year of trying to ignore the problem because I called and tried to get something established but the person I talked to seemed to not believe anything I said regarding why I'm unable to manage this card and I was told that theres no point in closing the account because it won't stop the fees and charges from coming and nothing could be done. I had daily anxiety and panicked every time I considered checking my bank account. It took another adult to get me somewhere with the account after calling multiple times. I knew nothing and regardless, they didn't warn me of anything I encountered and pretty much told me I was screwed.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I ordered from XXXX and paid with Affirm. I will never use Affirm again. The items ordered was for my XXXX XXXX XXXX  XXXX informed me shipping was going to be delayed so I canceled all items. I informed Affirm on the app to cancel but the app says communication has to be made with vendor/merchant. I have been on the phone numerous of times with XXXX and Affirm the past year. I have even had the company support staff on a XXXX way call. Affirm is saying funds have been given to XXXX and they have to receive their money back from XXXX. XXXX is saying no funds were received because the order was canceled. In the meantime myself the consumer is out the XXXXXXXX XXXX  I have already paid and my credit is being ruined because I dont want to pay anymore for items I never received.
Product: Credit reporting or other personal consumer reports

[ CITIGROUP INC. ] [ Citibank , N.A . Depositary Receipt Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, IN REGARDS TO CITICARDS CBNA Account XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. 

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing. 

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights. 

Sincerely, XXXX XXXX