23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX. XX/XX/XXXX By my mobile phone I donated {$100.00} to XXXX XXXX. 
XXXX. XX/XX/XXXX later that day I see on my Citi Card APP a charge from XXXX XXXX for {$6600.00}! I never authorized this amount AND I am very disappointed that Citis Fraud department did not call me or text my cell asking me if this is FRAUD or to approve this charge. I Never signed any document for this amount they are 100 % fraudulent with this charge. I ONLY gave a {$100.00} donation. 
3. Immediately, I call Citi XXXX that day and Asked to Open a dispute on this unapproved charge. I was able to dispute it on my Citi App but the person on the phone said he could not take this from me because as of that time he did not see the charge on his end. He even gave me the phone number of XXXX XXXX to call and dispute this. 
4. I immediately called an received a phone automated answer with WIN RED. They had an option for Returns and Mistakes, I left my information and last 4 of my credit card and told of my problem. They Never emailed me anything But because it was such a GLARING mistake and high amount I expected Citi Credit card company to Dispute this charge and make this right! 
5. XX/XX/XXXX I called Citi Dispute and spoke with XXXX XXXX who assured me that he would remove this {$6600.00} charge I thought he said indefinitely. He asked me to fill in a form which he sent me I emailed this on XX/XX/XXXX listing the details as I am telling you now. I emailed this to XXXX. I never received an email back. 
6. With the help of someone at Citi Card I could see 2 alerts were sent to me through the app XX/XX/XXXX and XX/XX/XXXX. I never saw these as I don't look through the app every day and thought my XX/XX/XXXX complaint was enough. 
7. As I was looking thru with my statement with my accountant, we see that Citi REVERSED this {$6600.00} on my XXXX statement and that is dated XX/XX/XXXX! 
8. Again today, I am trying to pay my XXXX XXXX and see this charge REVERSED again! I do not owe this money. 

I have done everything I can to get Citi Card to understand I never made this transaction. The only thing I got from Citi is a letter stating that WIN RED is offered me {$4.00} refund! This figure has nothing to do with this {$6600.00} transaction. 

I sent a response letter to the Citi Alert of XX/XX/XXXX. In GOOD FAITH I listed the only information I have about this problem. There should have been some kind of approval from me in order to charge my card for such a high amount. There is no record of this transaction within my XXXX account either. They are 100 % fraudulent and I would expected to be PROTECTED by CITI CARD!
Product: Debt collection

I recently discovered that I am a victim of identity theft. I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be issued or approved until the lender first verified my identity. 
Fortunately, in my case, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN FOUR BUSINESS DAYS!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), Experian the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Prepaid card

I was approved for Covid19 Benefit, but I never received it nor the Debit Bank Card.

I have spoken with the ESD Department and they informed me that all the Covid19 benefit was sent to the Key Bank ( for over XXXXXXXX XXXX ). Them, I was really calling both Departments about my benefit. But. The Bank and the ESD was only pushed me around from Department to Department. From ESD to The XXXX Bank and each time I called I was given different misleading information regarding my benefit. After a year with both Departments I went to court in Washington State Office of Administrative Hearing and the Court granted all in my favor on XX/XX/XXXX XXXX  XXXX., Docket XXXX XXXX XXXX XXXX Agency No XXXX XXXXThen ESD informed me that all the benefit was sent to key Bank. Calling key Back again they said that the account is closed and to call ESD Department, Finally the key Bank asked me to fax them all the court Documents which I did ( to Fax XXXX XXXX XXXX XXXX ) and I got confirmation number ( XXXX XXXX XXXX ) from the bank that all is updated and a new card with be send in XXXX days. I have never received the Debit Bank Card yet. Calling the key back again they informed me that the account id closed and they do not have any information regarding this case I have been mislead by the Key Bank and lied too on every time I call them, Then The XXXX  Bank told me today to call the ESD department again. I have been pushed around to much already and the key bank is not acknowledging that fact the=at I a sent them the Court Documents.

Therefore I an appealing to your Department with the Key Bank Befit Card account and my due benefit to be paid to me in full as soon as possible. 
Thank you XXXX XXXX New Phone : XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX and XXXX XXXX XXXX  Please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified XXXX, Equifax, and XXXX via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. XXXX, Equifax, and XXXX have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on XXXX, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. Equifax is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX XXXX, and an inquiry form XXXX XXXX  that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. XXXX is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.
Product: Debt collection

Back in XXXX I took a Commercial Loan from Santander Bank for {$35.00} K. In order to receive the proceeds I had to sign an overdraft agreement. I was never told there would be 'fees ' involved that was associated with this. The commercial loan has been totally paid off. However, I kept getting statements not knowing what they were for. Never got a response from Santander after numerous requests. At no time did I ever go beyond the original XXXX XXXX  amount, so there was no need for an overdraft. I've contacted them on numerous occasions ( see attached with dates and the account numbers ). I've indicated to them this is in dispute. Also note... .they were sued by the CFPB for XXXX XXXX  in XXXX for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX  Employers : XXXX  Collection/Charge Off XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$5100.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XX/XX/XXXX {$420.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$390.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XX/XX/XXXX {$5300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$240.00} XXXX  XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XX/XX/XXXX {$720.00} XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XX/XX/XXXX {$460.00} Late Payment XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Both my son and I try to get a loan payment deferred for a month due to layoffs because of the pandemic. In a world where everyone is bending over backwards to help everyone we were told credit acceptance Corp is not offering that at this time. they should be ashamed of themselves
Product: Credit card

Worked out payment plan with American Express to pay off balance but then they canceled card and put it in collections because of a miscommunication between their agents.
Product: Payday loan, title loan, or personal loan

They are working with me to do settlement for my account. I keep getting these threats from atty and that XXXX but the loan company does not know anything about this attorney and telephone number listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX JXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Student loan

My student loans were transferred from Great Lakes to Nelnet. I attended XXXX different universities with a few years off in between. My loans were not split on my account, but somehow they ended up with different due dates. I was only given one amount as my monthly bill and it showed on my payment schedule with that amount. I set up autopay for my monthly billed amount, which matched what was shown on my payment schedule. A few days after my authorized payment, they withdrew a second payment of a different amount. I did not set up this second autopay and never authorized the transaction. I couldn't find where that amount was coming from. Also, the payments were not allocated according to the choice I have set up. Additional payments are instead also going to the loan I have with the lowest interest rate. I called Nelnet on XX/XX/20 and waited on hold for XXXX minutes. The XXXX I spoke to was not able to tell why I didn't see my bills correctly. She put me on hold again and told me she was escalating the question to the technology team. She believed there was an issue in my permissions to see my account and suggested requesting a re-release of information so I could see both. She then put me on hold again. When she came back on the line, she instead suggested she merge my bills into one due. She never answered the question about how they withdrew money without authorization or why the allocation was wrong. The payment schedule still has not been resolved, but she did say it might take a few days. I understand that technical issues can happen and appreciate that she took the time to find the issue and suggest a resolution, but I am unhappy that they ignored the deeper issues I had about the financial aspects.
Product: Mortgage

I applied for MIHAF program & was approved which they were willing to pay my entire balance owed to mortgage company all they needed was payoff information which they requested by email four different times & on the fourth email got back a response saying my home was foreclosed which MIHAF doesn't help once home gets forclosed so I ended up lossing my house all because the mortgage company claims they never got MIHAF emails yet I have the dates they were sent & they did respond to last email. Now they have my house on auction for {$170000.00} when I only owed {$63000.00} & they have refused offers for {$100000.00}, this has lead me to believe the mortgage company intentionally didn't respond to MIHAF payoff request emails because a lack of employees due to being during the pandemic or b they saw this as an opportunity to make more money by foreclosure
Product: Credit card

I received a bill from Synchrony Bank Amazon and I paid it through my bank. The bank never released it. 
Then I received more bills through text saying I needed to pay this. I incurred {$35.00} in late fees. 
I tried to dispute this and they said no. 
Now I have tried to file a payment several times through their voice system and customer service system. 
Each time I have been told the payment went through. 
Now I have several returned checks. Saying that I never paid. 
I did close the account. This company is awful. 
Now I have a problem. They refuse payment. How do I pay on a bill if the company refuses payment? 
Thank you for this. 
XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports infective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this breach and Equifax has done nothing. Please help with deleting these illegal accounts from my Equifax credit reports. 

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: Credit reporting, credit repair services, or other personal consumer reports

I've been getting mail with offers for applying for a XXXX credit card and other CC for months. I have called the number listed in said mail to stop the pre-screening. I've called twice in a 3-month span. It's a nightmare to get off the list due to the robot-assistant in the call but both times I haven't hung up until it confirms I'm off the list. I'm still getting unsolicited financial product offers such as the XXXX XXXX offer in my mail weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was buying a XXXX XXXX  XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. Credit Acceptance Corp. Shows a XXXX XXXX XXXX Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

My name was reported incorrectly. I have several disputes open currently. I have credit accounts in my name that were obtained fraudulently and other things from checking my credit report on XXXX. Someone changed my last name to be reported by something I have never gone by and is associated with my biological grandfather 's last name. He passed away within the previous year and I am afraid someone is using my info or trying to obtain my information from multiple agencies.