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

I would like to file a complaint against Citizens Bank. I had a XXXX  balance with them and requested that they close my account in late XXXX of XXXX. They did not close the account and kept charging me monthly maintenence fees, unknowningly sending my account to collections many months after the fact. I have attempted to call them to resolve the issue and they have shown an unwillingness to look into my prior phone calls, where I requested the account to be closed and was told that the account would be closed. To be clear, the monthly maintenence fees to keep the account open were the only debits on the account. 

My ability to open other accounts is being negatively impacted by a bank error that Citizens Bank refuses to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX. 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Money transfer, virtual currency, or money service

I created my PayPal account in XXXX and I am XXXX citizen. 

In XXXX of 2021 I sold XXXX watches ( On XX/XX/XXXX ) and XXXX watch ( XX/XX/XXXX ) on XXXX XXXX XXXX XXXX and got paid with PayPal goods and services. Watches were shipped from within XXXX. It total I received {$1200.00}. 

Once buyers transferred the money it was held for 21 days since I recently created the account and was a new seller. After XXXX days money was released and I tried to transfer it to my debit card that was linked to my PayPal account. PayPal stopped the transaction and request an ID and receipts for items that I sold. 

I explained that it was my personal used watches, I don't have receipts for them but I provided passport. Customer service representative told me that they will resolve the issue. Next day my account was permanently suspended and funds were frozen for 180 days. 

I informed XXXX of the buyers. He asked me to refund him the money which was {$1000.00} and he would send it other way. I called PayPal and they refunded {$1000.00} on XXXX of XXXX to the buyer. Since it was paid with credit card it supposed to go to buyers credit card account. He never received the money. 

PayPal lifted my account limitation on XXXX of XXXX, 2021 and I was able to transfer the remaining amount to my card. I called PayPal many times over the course of 6 months, trying to resolve the issue and they told me that buyer needs to resolve it from his side. The buyer tried to resolve it and get a trace of transaction but PayPal did not provide any trace. PayPal told him that they don't know what happened and don't know how I was able to refund him after limitation. I have transaction record on my PayPal account and buyer also has transaction record of refund that states that it is refunded to his credit card. But he never received the money. Buyer provided me with all the proof and still in touch with me.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding incorrect information on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion about the following discrepancies, but as of this date, they have not responded. I am requesting your assistance in resolving this matter. Below are the details of the inaccurate information and the necessary corrections : The account for XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) requires examination due to incorrect reporting. The reported balance of {$390.00} appears to be higher than the balance I remember. Furthermore, your agency has labeled this account as closed, which means the Past Due amount should not be provided for this account. I intend to address this discrepancy directly with the creditor, but I kindly request that your agency report the account as disputed while I work towards a resolution. 


There is an account listed as COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}, Original Creditor : XXXX  ) on my credit report, which is not mine. I request that you promptly remove this item from my credit report as it is inaccurate and does not belong to me.
Product: Credit card or prepaid card

I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the accounXXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not pick up my phone call for 2 hours and 30 minutes. They are making the process extremely difficult and is bordering on fraud.
Product: Prepaid card

I was gifted a {$25.00} American Express gift card. I activated the card online, and was given a message saying the card was ready to use. I tried to use the card at XXXXXXXX XXXX XXXX and it was declined. I checked the balance and still had {$25.00}. I then tried the card at a restaurant, XXXX, XXXX and XXXX, and none of those retailers will accept the transaction. I then tried checking my balance again, and my gift card has now been put " on hold '' and I received a message to call the Amex phone #. I tried to call American Express, and I am unable to get through the phone system and talk with a person to take the hold off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   credit is reporting incorrect information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Transunion about a collections account for XXXX to be removed and so has XXXX and the collection company also has contacted them. 
They refuse to do it. They refuse to assist and hang up on me when I call. The last call was today and his name was XXXX who answered and was rude, wouldn't transfer me to a supervisor and hung up on me. He also refused to send me a credit report. They XXXX customers and its awful.
Product: Credit card or prepaid card

Purchased new windows from XXXX XXXX ( Delaware ). Following installation on XX/XX/XXXX, the {$12000.00} remaining payment was charged to my XXXX XXXX credit card. It was previously arranged that the {$12000.00} be charged to my Home Depot credit card, giving me 24 months to pay with no interest charged. Have tried for 9 days to rectify the situation. Have had numerous phone calls to XXXX XXXX customer service to no avail. Have been forwarded to one office and then another then hang ups. This situation is totally the fault of XXXX XXXX. Yet, they take no responsibility. This transaction did not occur in a store but instead online. I have no store to complain to. 
In conclusion, I want the {$1200.00} charge OFF my XXXX XXXX and onto my XXXX XXXX credit where it is supposed to be. 
Incidentally, I never gave approval to XXXX XXXX to charge my XXXX card!
Product: Vehicle loan or lease

On XX/XX/2023, I applied online for a line of credit. Capital One Auto Finance immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Product: Vehicle loan or lease

I finance my car through Credit Acceptance Corporation. Over the past couple of years, this company has REPEATEDLY reported me for nonpayment & late payments and not only did this company make reports of missed/late payments, they made the same report for each multiple times! I have been disputing false reporting by this company to all credit bureaus, however, they still remain. For the times in which I have been late/delinquent in making payments, I was informed that due to the pandemic, this would not be reported. At a time in which every day, hardworking individuals, such as myself, were living through economic turmoil, this gesture was astonishingly symbolic! I felt confident in knowing I was doing business with a company that genuinely cared for their customers. Only later, upon further investigation, would I come to see that they had been deceitful. Not only were the payment/nonpayments reported, theyd been reporting each one repeatedly in the same timeframe. I cant begin to state the imperative, negative impact my credit score and history now has as a result.
Product: Mortgage

I am writing to request correction of the error described below in regard to the mortgage on my property. My mortgage company failed to credit the payment I made on XX/XX/2020 debited from my Financial Institution ( XXXX XXXX XXXX XXXX XXXX ) via XXXX XXXX on XX/XX/2020 in the amount of {$4700.00} as of the date of receipt. This was to cover the following said period mortgage payments : XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} I have enclosed a verification letter from my Financial Institution as to said funds have not been returned along with a copy showing where the funds have been debited from the account.
Product: Debt collection

I received a collection notice from Caine and Weiner on XX/XX/XXXX. My research on this matter to date indicates that this matter relates to an investment my XXXX XXXX XXXXXXXX XXXX at that time, not a XXXX XXXX  ) after she was referred to XXXX XXXX in the late XXXX 's. This involved XXXX shares of XXXX XXXX, a commercial XXXX  investment. Following our XXXX  in XXXX, this investment and over half my pension plan and other real properties were awarded to my ex-wife pursuant to a QDRO ( qualified domestic relations order ). RanconIV has been the subject of multiple lawsuits. A law firm suing on behalf of Florida residents advised me that XXXX of their causes of action included the fact that XXXX XXXX had no sufficient background or credentials to be selling these securities since he was only an insurance agent at the time.I called Caine and Weiner on XX/XX/XXXX and requested that they forward to me proof that I owe this debt and that I ever gave XXXX XXXX written approval to administer or domicile these funds. By report, my ex-wife has suffered from XXXX XXXX for many years and is in thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This may explain why she has been unaware /unable to deal with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XX/XX/XXXX, I used my Citi credit card to pay {$51.00} for a XXXX XXXX XXXX at XXXX The gift card was never received. 

On XX/XX/XXXX, I called the gift card merchant directly to try to resolve the issue. The support agent I spoke with advised that the merchant would follow up with me in " a few days. '' I never heard from the merchant. 

On XX/XX/XXXX, I initiated the dispute process with Citi to seek a refund of the {$51.00} I paid. 

On XX/XX/XXXX, Citi advised me that they were closing the dispute and ruling in the merchant 's favor. 

On XX/XX/XXXX, I contested Citi 's determination and advised that the item still had not been received and the merchant still had not contacted me.
Product: Bank account or service

I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.
Product: Debt collection

I had a credit card with XXXX XXXX which I admit charged off. The debt was sold to Jefferson Capital Systems XXXX. Today I received a copy of the garnishment summons on my door that says that I owe XXXX. The problem is that this company has never sent me anything by XXXX mail, never called and I was never notified of the court date of XX/XX/year> and supposedly this is when the judgement was entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. Credco XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XX/XX/XXXX / XXXX XXXX XXXX Illinois XXXX Credit was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 2 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have also reached out to XXXX before XX/XX/XXXX and also on XX/XX/XXXX, and XXXX has suppressed any information to any alleged public record on my file and they send me a letter to that fact.
Product: Debt collection

The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was never served by clerks and Writs not signed and seal by clerks 28 U.S. Code 1691 - Seal and XXXX  of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 )
Product: Checking or savings account

Over XXXX was taken from my account in XXXX  and Wells Fargo closed my account is disputed they said it was no error and these companys was overseas
Product: Vehicle loan or lease

At the end of  XXXX   2017 , I ran into a rough financial patch. I calle d GM Financial  at  XXXX , to request a deferment on my car loan on  XXXX   XXXX ,2017. During the conversation with the representative, she informed me that " Recently there had been legislature passed  in the State of  Texas that require s Auto Finance  companies to collect a fee up front, Prior to considering customers for a deferment. '' Per the representative, the fee would have been {$970.00}. This would have been {$10.00} less th an 2 of my  regular monthly payments. The representative informed me that t he State of  Texas is the only state that requires that this fee is assessed. Per the representative the fee would be assessed to cover all of the interest from the payments, prior to completing the deferment.     This has caused me to become late on my payment from  XXXX , and it has been reported to my credit bureau. I reached out  to GM Financial for  assistance, prior to being late on my payment, and the solution was to charge me a fee that equals the same amount as the combined total of my monthly payments that I was requesting to defer.
Product: Credit reporting

A few years ago XXXX XXXX had not credited two payments I made on their online system. They reported I was over 30 days late to the credit agencies. This was not true. I had proven the payments were made. 
XXXX agreed and sent me a letter to corroborate this. I had to make a prior Complaint to your agency to get this off my credit report. Now I applied for a Mortgage and it was denied due in part to this false entry still existing on the credit report from Transunion.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

An attorney office of Zions Debt Holdings is reporting inaccurate information on my credit report, claiming I owe a XXXX debt through a company called XXXX XXXX XXXX. I contacted XXXX and they have no record of this debt and I also initiated a 3 way called to resolve this issue. XXXX told this attorney office they have no record of this debt nor do I owe a debt to them but the attorney refused to communicate and still proceeded with reporting on my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Nordstrom regarding the incorrect reporting of a charge-off on my credit report. The account was charged off in XXXX, but Nordstrom continues to update the charge-off status every month, making it appear as if the charge-off is recent. Most recent being XX/XX/XXXX! 

Issue Details : My account was charged off XX/XX/XXXX, but Nordstrom continues to update it monthly with a balance instead of {$0.00}, which is inaccurate and unfairly impacting my credit. 

A charge-off should not be updated every month because it falsely suggests ongoing delinquency instead of a past event, which is re-aging and illegal. 

I have disputed this with both Nordstrom and the credit bureaus, but it remains unresolved. 

Actions Taken : I contacted Nordstrom to request that they stop updating the charge-off monthly, but they have not corrected it. 

I filed a dispute with the credit bureaus, yet the issue persists. 

This incorrect reporting is severely damaging my credit score, and I need this resolved immediately. Shows as XXXX negative remarks when in reality this is an obeselete account.