23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We spend more than {$4000.00} every month with multiple Citi credit cards. On XX/XX/2023, we dined at XXXX XXXX, the restaurant overcharged {$46.00}, we disputed the charged through Citi, provided them with original receipt as proof. Citi closed the dispute prematurely without providing any counter-proof or evidence of overcharge being just. 

We complained to Citi executive office : XXXX XXXX XXXX, XXXX XXXX Head XXXX XXXX, and Consumer Relationship Head XXXX. Provided them evidence of purchase multiple times. They have been highly unprofessional and non-responsive to resolve the issue or provide us with evidence of why they would not provide customer purchase protection against fraud. 

Irrespective of the size of the amount, it is the lack of care for customers by Citi, that is shocking and upsetting. 

XXXX, XXXX, XXXX XXXX
Product: Student loan

I reached out to Navient in XX/XX/2018 because I was having difficulty paying such a high amount {$300.00} per month in student loan repayments and I wasn't making a dent in the balance. I had an additional {$300.00} in other federal student loans. I asked if they had an income-driven repayment plan and they told me no and that the amount paid per month can not change no matter what. 

I called Navient today XX/XX/2018 to ask for help since I am unemployed and searching for work. I asked for a temporary loan forbearance or loan repayment alteration in the amount per month. The employee informed me that I would still have to pay {$160.00} per month even though for the next 6 months to count toward both loands. I already paid for this month 's loan so it wouldn't be much of an assistance. The other forbearance option presented to me was to pay a trust fee of " {$100.00} '' for a three month forbearance. Other organizations do not require a fee for forbearance required to enroll in the program. The information is not clear how to qualify for these programs and what assistance they have for people in need. I have been paying for the student loans diligently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account number XXXX has violated my rights.

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

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Millenial Home Lending , Inc. sent me a letter offering to refinance my mortgage. 
Only, the return address on the letter that showed through the envelope was not " Millenial Home Lending, Inc. '' but rather my original lender. The entire letter is written as if it is coming from my original lender, but only at the very bottom does it have a disclaimer that Millenial Home Lending does not have any affiliation with my original lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX 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 an 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. Accounts need to be removed from report.
Product: Checking or savings account

I am a woman, I wanted to open a savings account with XXXX by Santander and during the process was required to submit images of all my sensitive documents for " approval ''. My male husband was not required to submit any images of documents and was approved immediately. I had to scan and upload my drivers license, passport and social security card. I have a larger balance to transfer and higher XXXX  score than he does, so neither of those explain the issue of greater scrutiny or longer approval times. We called customer service and asked why, they did not have an explanation. This is deliberate XXXX  discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I call EQUIFAX, they have a problem accessing or pulling up my credit file using my social security number. They keep telling me to mail my social security card, Drivers License, and a cover letter. I have been mailing and faxing these documents for weeks and they are not being uploaded to my profile. I finally, spoke with a Manager, XXXX XXXX ( XXXX ) at Equifax who told me that because they are unable to locate a credit file for me, they keep destroying my documents that they receive via mail and fax. I have already mailed them twice and faxed them twice and yet no one at Equifax receives those documents because those documents are being destroyed due to your department not being to pull up my credit file. However, I can login to my equifax account online and check my credit score and credit report but none of the agents at EQUIFAX can pull up my credit file using my social security number. After more 15 calls to them and spending numerous hours with them on the phone and mailing and faxing all the required documents, they are still not able to create a credit file for me due to which any application I make for a credit card gets rejected for not having any credit history. I already have an existing credit card from XXXX but Equifax has no record of that. I don't have this problem with XXXX or XXXX. Both these other agencies can authenticate and access my credit report with no problems at their end. It's only EQUIFAX that I am having problem with. When I told one of the EQUIFAX agents over the phone that both XXXX and XXXX have no problem pulling my credit file using my social security number, he told that this is a question I need to ask them as to how they are able to do that? I was appalled to hear this senseless reply. 
I can't open a dispute with them online because their online system allow me. Each time I click the File dispute option, I get the following message : '' We are temporarily unable to complete this request. Please try again later. '' How am I supposed to resolve this issue if they don't let me submit documents through their online system while destroying or shredding any documents I mail or fax them because they can not pull up or create a credit file for me using my social security number?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, XXXX, and Equifax since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, Equifax, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, Equifax and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.
Product: Debt collection

This debt is not mine. I have no knowledge of this account and filed a report an online fraud report already. I have disputed this through the credit bureaus and no action was taken, nor was proof of the investigation provided to me. 

Debt amount is showing as {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX XXXX about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$3700.00} loan with XXXX XXXX XXXX, at the time I was going through a divorce and could not make payments. This was turned into CACH credit, assuming sold to the CACH. I had a court hearing XX/XX/XXXX, in which CACH accepted {$500.00} to settle. My attorney gave CACH a check and I thought that was the end. In XXXX I went to purchase a home, yet this CACH was still on my credit report!! I contacted my attorney ( XXXX XXXX ) who contacted CACH and we found out that they never cashed the check, through my bank!!! My attorney explained that I was trying to purchase a home and this was effecting my credit. CACHs attorney that was handling my case had quit, yet I worked with XXXX  ( credit repair ) to try to take care of this, they wrote CACH a letter, then the letter was mailed back to my residence!! This still sits on my credit report as I tried to take care of this legally and with a credit repair. How and why is this fair to me???? I do not know what to do???
Product: Checking or savings account

To whom it may concern, I am writing to bring light to unfair business practices by Cash App that have caused me significant stress and financial hardship. On XX/XX/2023, I initiated a transfer of XXXX XXXX from my Cash App account to my XXXX XXXX XXXXXXXX account. Cash App confirmed the transfer would take XXXX business days. 

After XXXX  days passed without the money appearing in my XXXX XXXX XXXXXXXX account, I contacted XXXX XXXX XXXXXXXX, who informed me that Cash App never initiated the transfer on their end due to a 'computer issue. ' However, the money was also removed from my Cash App account, leaving me without access to my funds. 

I have made multiple attempts to contact Cash App by phone and chat to resolve this issue and locate my missing money, but have found their customer service essentially non-functional. Their phone line does not connect, and their chat bot provides unhelpful automated responses without addressing my specific problem. 

Essentially, due to technical errors on Cash App 's part, my money has vanished, and I have no way to access or recover it through their customer service channels. This has caused me significant financial distress, as I am unable to pay bills and expenses. 

Cash App 's lack of reliable customer service and failure to take responsibility for errors that affect users ' money is unacceptable and unethical business conduct. I urge you to look into their technical issues that lead to funds disappearing, as well as improve their customer service response so users like myself have a way to promptly resolve problems. No customer should endure the stress and chaos I've experienced trying to access my own hard-earned money. 

I look forward to a satisfactory resolution of this situation by Cash App. Please feel free to contact me with any questions. 

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

When I investigated my credit report, I realized that some of the information 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 Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown to us, Nationstar mortgage has repotted a 90 late payment on the credit report during Hurricane Harvey forebeance and the modification period thereafter. 
I have repeatedly called and asked for assistance to have this damaging and incorrect information removed, but they have not replied. 
We have never made a late payment on this loan. We were granted forebearance and followed all of their instructions.
Product: Credit reporting or other personal consumer reports

Despite several attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This was my third time to reach out for help in rectifying these issues. I have diligently pursued the correction of the late open accounts on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these inaccuracies. However, despite my efforts, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Enclosed with this letter, you will find copies of all relevant documentation submitted during the previous attempts to correct the late open accounts. I respectfully request that you will help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Kindly help me correct these accounts immediately : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

This loan was acquired by Rocket Mortgage from XXXX XXXX. Rocket has purchased an insurance policy for me back in XXXX and notified me in XXXX even though I already have an insurance policy. I have spoken to two representatives and asked for a supervisor to return a call to no avail.
Product: Payday loan, title loan, or personal loan

I took out a personal loan from Wells Fargo on or about XXXX with auto payment selected at the time of the loan origination. Then I received a notice on XX/XX/2022 to schedule monthly payments which was {$1000.00}, so I scheduled auto debit from my Wells Fargo checking. On the first due date of XX/XX/2022, my checking account was debited of XXXX payment totaling {$2000.00}. I called the online banking phone no, they had difficulty locating the department I needed to speak with according to them, after XXXX minutes plus, they transferred me to someone who said she will have someone call me back. I didn't hear from anyone for XXXX days so I called back, again I was on hold for more than an hour then someone came on the line said she can get XXXX of the payments refunded and for me to cancel the auto debit from my checking account since it was already set up. I did according to the instructions, next thing I knew, I received a notice of late payment! I called again immediately, after another XXXX minutes of wait, someone from I don't know what department came on line and said I didn't make the payment, I said I made the payment from my Wells Fargo checking account and you should be able to see it, she said she didn't have access to my accounts, I said couldn't someone track it down that I made the payments, I was on hold for another XXXX minutes, then she came back on line and said that my payments have not been applied to the loan and that all auto debit was cancelled and they also took back the auto debit discount from the annual percentage I received! Adding more to my principal balance. I filed a complained with Wells Fargo executive office but nobody ever contacted me. I paid off the loan in full on XX/XX/2022 for {$27000.00} as I didn't want anything to do with them. They also reported to credit bureaus as a late payment affecting my credit. I would never do any business with them ever again. We still have checking accounts and a credit card there as we have been banking with them since it was XXXX XXXX! Once this issue is resolved and my late payment is removed from my credit, we will be closing all our accounts. 
I do have emails from them stating that they needed more time to research but they never resolved the issue, this bank should not be in business in my opinion, my experience was horrific, I don't know how many people simply give up to their tactics and lose money. Thank you so much,
Product: Credit reporting or other personal consumer reports

XXXX continues to report this alleged bankruptcy. I contacted the clerk of court and requested validation of this alleged bankruptcy and they stated they do not release court records to anyone other than the parties to the case or legal counsel. 

I have requested validation of this alleged bankruptcy and XXXX has provided me with no records of this alleged bankruptcy nor has LexisNexis.
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry on my credit report from XXXX, Equifax and XXXX. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.
Product: Credit card or prepaid card

In XXXX  I found a card on my credit report from Barclays Bank which was not mine it had some charges on it I contacted Barclays Bank they plainly denied it I told them it is a fraudulent card but after denial I contacted consumer financial protection bureau who researched it and Barclays accepted that the charges were fraud and close the card guess what they transferred the balance to a new card which never was mailed to me after some time when I found out that there is another card in my name I contacted Barclays and they said you must make minimum payment otherwise your credit report will be reported late so I in order to save my credit report I made the minimum deal and started investigation Barclays took so long and during the meantime I kept on paying money which I never owed to them after some time I just gave up because whenever I contacted them with a fraudulent card they will close it open a new account never mail the card to me and then say this is your balance I stopped paying them the card became charged off attached are the letter from Barclays in which they accepted fraudulent charges and the identity theft report please help me in removing this listing and getting my paid money which I never ordered them returned back to me ATTACHMENT
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Account # XXXX. I recently consolidated my school loans with the Dept of Education ( from Navient ) .There were 2 payments released to Navient. The payments should have been made to the US Dept of Education. Unknowingly, I still submitted those payments to Navient. One of those payments ( {$8.00} ) was processed and transferred accordingly after I faxed over the evidence. It has been weeks since Ive heard anything about the 2nd payment. The payment in question was made on XXXX XXXX, 2016 from an ePayment ( {$170.00} ) with XXXX XXXX. That payment from me seems to be stuck in cyberspace and I am not receiving feedback about this transfer. I faxed over evidence showing proof with still no feedback ...
Product: Checking or savings account

XXXX card fraud on XX/XX/year> for XXXX for over XXXX dollars which should never have been authorized because it is not Health related. I noticed the fraud on my account on XX/XX/XXXX and reported it to Optum bank. I was told to destroy my debit card and they would rush a new debit card to me the next day it would take a week to confirm the fraud and the refund was promptly credited back on XX/XX/year>. I called on XXXX due to not having a card to pay for XXXX qualified bill. The representative XXXX at XXXX XXXX told me the card is still in processing I asked to speak with a supervisor and she hung up on me. I would want to have a different bank as XXXX agent but that is not possible through my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX {, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX   XXXX These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Product: Checking or savings account

On XX/XX/year> I made a transfer from my checking account to an external bank. I have done this numerous times in the past, It immediately debited my checking account, but never got deposited in my savings acct. The amount was {$2000.00} The bank has so far done nothing.
Product: Debt collection

Renton Collections Inc charged me for 3 collections and didn't tell me about this or why. No emails, calls, or anything. Why are they ruining my credit!?
Product: Checking or savings account

Good afternoon, A malicious Chase employee has input derogatory information on my banking history preventing me from opening an account. Attached are the comments as well as the incorporation and filed tax documents. XXXX XXXX XXXX accounts have almost identical comments. 

I don't owe ANY banks any money. XXXX XXXX and Attorney General XXXX have both been email with this same information. 

Thank you immensely for your immediate assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX