23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got a letter in the mail about re-financing my mortgage. The letter stated it was from my original loan company so I was suspicious right away. The phone number didn't match the number from my old lender, so I blocked my phone number and called them. The person who answered said, " Hello '' and didn't say the company name. Instead of saying I got a letter, I said I received a phone call. The scammer then told me they were from a different mortgage company from the letter called " XXXX XXXX  ''. The scammer said, " Do you have credit card debt? '' I then pretended I couldn't hear him and he hung up right away.
Product: Checking or savings account

On XXXXcalled Chase Bank to enter in a fraud claim for a moving truck company, XXXX XXXX XXXX  ( fraud claim number XXXX ) and spoke with XXXX. Explained XXXX XXXX  company never sent a bill and kept trying to charge my checking account for different amounts that was outside the parameters of the signed agreement. XXXX informed me that the overdraft amount and fee would be reversed. Also requested that the debit card be closed to prevent any future charges until the vendor and I could come to terms of agreement. On XX/XX/24, called back to Chase and spoke with XXXX who confirmed that my account has been closed and debited by XXXX XXXX for over {$2000.00}. Never received any follow up correspondence from Chase or XXXX XXXX. Chase called weeks later informed my account is in the overdrawn state and closed out. Unable to resolve as I never authorized this from the vendor and the vendor never presented final bill when asked.
Product: Credit card

XX/XX/XXXX I attempted to pay a merchant via Apple Pay with my Apple Card. XXXX was declined twice as he does not accept Apple Pay. I proceeded to pay him via XXXX and XXXX. 
Goldman Sachs then decided to charge me the {$3500.00}. I began a dispute- sent the information that the merchant was already paid. They continue to decline my disputes in favor of the merchant. I contacted the merchant myself who stated he was never contacted by anyone from Goldman Sachs, he then checked his account and confirmed he was never paid by Goldman Sachs and that both transactions were considered declined on his end as well. He sent proof of this as well as the payment from me for the services I have sent all of these over and over again and continue to be sent emails that deny my dispute in favor of the merchant. This is fraudulent as he was never paid in the first place by Goldman Sachs. I need this to be closed immediately.
Product: Credit reporting or other personal consumer reports

I did not authorize the following credit inquiries on my transunion credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am the authorized user on a Venmo nonprofit account under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX, New York. On XX/XX/year>, four people donated {$50.00} ( {$48.00} after Venmo fees ) towards the nonprofit. On XX/XX/year>, I attempted to transfer the funds to the church 's bank account, but the system produce a " form submission error. '' I chatted with XXXX who stated : ( XXXX XXXX  ) ( XXXX ) XXXX XXXX : Hi XXXX, it looks like your attempt to add this bank account is being declined by our system. This generally happens because a security flag has been raised. 
( XXXX XXXX  ) ( XXXX ) XXXX XXXX : I'm very sorry about the inconvenience here, but at this time we are not able to override these declines. For security reasons, customer facing teams are not able to see the exact reason for the decline. 

I asked for a resolution, and there is none. I requested a supervisor call, and one was not provided. 

I next called Venmo and spoke with XXXX, XXXX, and finally XXXX. XXXX indicated that the reason for the security flag is that my name does not match the name on the nonprofit bank account. That is to be expected because I do not own the bank account, the nonprofit does. He suggested that I transfer the money to my personal account, which I decline to do. I asked for further options, and he had none. He told me to wait and try again in an hour. I attempted several times in the last 24 hours, without any luck. 

I asked him if he would follow-up with me, and he told me that they have a policy not to follow-up with users and I would need to call back and start over. 

I have a ticket # XXXX. 

My complaint is that Venmo is inappropriately holding money that was donated to a nonprofit without any resolution for how the nonprofit gets those funds. There is also no process for me to file a complaint or have this escalated. I am hoping you can help, because this not only affect the church, but the original donors. 

Thank you for your help.
Product: Bank account or service

XXXX/XXXX/15 : XXXX $ of unauthorized ATM withdrawals were made in NJ supposedly using my card. I have never been to the said location and could not have been there at the time of withdrawals ( XXXX ) because I finish work in XXXX , NY at XXXX. 
XXXX/XXXX/15 : I find out my account is depleted and call Citi Bank. They set up an investigation as well as issuing me a new card, and I also change my pin. 
XXXX/XXXX/15 : I file a police report and call Citi Bank again. They decline the claim. 
XXXX/XXXX/15 : I re-submit the claim from a Citi Bank local branch, and the agent sends documents proving that I could not possibly have done the said transactions. 
XXXX/XXXX/15 : Citi Bank decline the claim again.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XXXXXX/XX/XXXX
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 : XXXXXXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received several phone calls from ( XXXX ) XXXX trying to collect on a HSBC account. I had an hsbc account but it was bought out by XXXX XXXX and included in my bankruptcy that successfully discharged. They are even calling relatives leaving messages for them. The lady claimed that shes going to file a judgment within 72 hours. This debt would be way beyond the statue of limitations. This seems to be a scam.
Product: Debt collection

On XX/XX/XXXX I received the first of six letters from National credit Adjusters , LLC, claiming I owe XXXX toXXXX. Ive never taken out a loan with that company and have never heard of them until I checked my credit report at the beginning of this incident ; in XXXX XXXX looked at my credit report, but I never made any contact with them. NCAs first letter said this supposed account was delinquent and all future contact and payments were to be made to NCA, again, there never was a previous loan or any contact. Each of the subsequent letters were the same : a payment structure options plan, always for the same amount, XXXX. After researching NCA and seeing the harassment tactic claims against them, I have and will not contact them since the only have a mail address. Ive filed a claim with the FTC as well.
Product: Checking or savings account

Hi My Name is XXXX XXXX, I have a checking account with Citizens Bank ends in XXXX, I had submitted payments for my county taxes, XXXX energy payments, phone bills, internet bills, utility bills, all payments were rejected by the bank for no valid reason, when i went to the bank i was informed that there is a freeze on my account, I'm not a party to any pending legal lawsuit, I'm not a party to any garnishment or forfeiture, the bank manager at the XXXX XXXX XXXX refused to disclose any information to me, treating me like a criminal for no reason other than being arabic and a female simple and clear.she said she said she would need my lawyer so she can tell him whats going on. 
The next day i went to the branch with an attorney, to make it short, the bank still declined to release info other than a phone # to call. 

the lawyer told me he cant do anything other than suing the bank because what they are doing is completely illegal, so he advise me to try to report this to CFPB to see if they can help resolve this issue because it is a mere violation of anyone rights. 

I would like this incident to be investigated, i want copies of any documents in teh bank possession in reference to this matter, I wont release the bank from any liability and damages that occurred to me as a result of their irresponsible action, the bank has a duty to investigate any allegation, and can only act upon an order from the court, which appears to be NO VALID court order to do what the bank did. 


P.S NOTE : I reserve all my right to file separate civil action against Citizens Bank, for breach of duty, violation of FCRA, Discrimination based on religion and ethnicity, and intentional infliction of emotional distress. 


Unfortunately I have NO DOCUMENTS to attach since the BANK REFUSED to give me any piece of paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights and have negligently reported inaccurate information to my consumer report, see attached exhibits
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion/XXXX/XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account : on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
*XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Inaccurate Name : XXXX XXXX XXXX A XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX & XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Product: Credit reporting or other personal consumer reports

This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed XXXX, XXXX, and Equifax on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for XXXX dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 Equifax dates XX/XX/2023 and XX/XX/2023. I also requested to change to On Time Paid as agreed. Equifax is the only credit bureau that responded with a correction of pay as agreed on XX/XX/2023 conformation # XXXX. After waiting 2 months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed XXXX XXXX, XXXX XXXX, and Equifax XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act XXXX account # 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit report and noticed some unauthorized hard inquiries on my account. My information was used without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry below was added to my credit report on XX/XX/2018 and was not authorized by me. I know nothing about this and would like the inquiry removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Student loan

Please refer to the previous complaints for reference : XXXX, XXXX and XXXX I agreed to a settlement with the collections agency that Citibank told me was handling my loan ( XXXX XXXX ) after my cosigner 's bankruptcy ended. I received a letter from XXXX XXXX stating that my loan would be satisfied if I payed the amount agreed upon by XX/XX/XXXX. I mailed in a check on XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX with my check that I mailed enclosed. The letter said that the account is no longer active in their office so they could not apply my payment. It said to call if I had any questions, so I called and as soon as I mentioned " student loan '' the agent on the phone said " oh, we were just told to direct your call to the original lender. I do n't know if the contract with them ended or what. '' I called Citibank immediately after and explained the situation. The agent on the phone told me that he could not find any record of my loan in the system and suggested that if it 's on my credit report then I should just dispute it and they will remove it from the report. He explained to me that they sold all of their student loans to other lenders back in XX/XX/XXXX. I explained more and told him I had this exact conversation with them back in XX/XX/XXXX and it was n't until I submitted a complaint on this website that I was told that they were still servicing my loan but it was in collections. And that I was told by XXXX XXXX that Citibank sent out letters to lenders by mistake stating that they transferred loans to them when in fact they did n't ( see previous complaints for more info ). He still claimed that they do not have my loan. I asked him to send that to me in writing and he said he could n't because I do n't have a loan with them. I asked him again to send me a letter stating that I do n't have a loan with them and he again said he ca n't because I do n't have a loan with them. He eventually said he would need to investigate further to see what happened and said he would get back to me by XX/XX/XXXX at the latest. I still have n't heard back. I checked my credit report and this loan is reported on two of the reports as " closed '' " serious delinquency '' " negative '' " transferred '' " deferred '' and I disputed them. 

I 've taken many steps to set this straight with Citibank, but they continue to give me the run around. I have been an excellent borrower to every creditor that I 've been involved with and I do n't deserve this kind of treatment. Citibank is a scam and it seems to me like they are trying to cover something up. PLEASE INVESTIGATE THEM!
Product: Debt collection

I signed up for a membership at XXXX XXXX XXXX on XX/XX/22 and decided to cancel my membership on XX/XX/22. I thought I had paid all of my dues and had canceled my membership. Couple months later I have a debt collection company trying to receive {$150.00} from me. I go read the reviews from XXXX XXXX XXXX  and see this isnt the first time this has happened. Ive canceled at other gyms and have never had this issue. Im barely trying to build my credit now this is going to be a bad look applying for credit cards and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I am a long term, loyal customer of XXXX XXXX. I have been devastated and hurt by XXXX XXXX and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. <P/>In XX/XX/XXXX, I had a mortgage with XXXX loan # XXXX. I had a short sale which involved extenuating circumstances. A neighbor was XXXX by his son and the police and SWAT XXXX the son outside my house.  Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO XXXX mortgages. <P/>The house finally sold as a short sale in XX/XX/XXXX with XXXX receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with XXXX and my realtor. In fact, in the middle of this, XXXX refinanced my other mortgage on my XXXX XXXX property! <P/>Recently I tried applying for a mortgage only to find out that XXXX listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to XXXX. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from XXXX. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from XXXX, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that XXXX deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in XX/XX/XXXX with extenuating circumstances. <P/>I would like XXXX to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from XXXX but nothing looks possible now. <P/>I have always spoken so highly of XXXX XXXX, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a credit alert from TransUnion that my score had changed. XXXX drops XXXX points down to a credit score of XXXX. I immediately called TransUnion and discovered from what they told me they had created a new credit file for me that morning and removed all existing accounts. I was transferred to a specialist and advised to give him TransUnion File # XXXX. I was advised then that the did infact see the problem and they would correct it, that the correction would take 3-5 business days. 

On XX/XX/2023 I checked my TransUnion credit score from the TransUnion website and my credit score was still a XXXX. I call TransUnion and was advised that the problem was still there but they had sent me a letter. I asked how did this happen? Why did this happen? And what was the letter about? I was transferred to a specialist and ask the same questions. The specialist advise me that a letter was sent and I would have to prove my date of birth with a copy of my social security card and driver 's license before the problem could be corrected. I continued to question why did this happen and exactly what did happen and why was there a problem? I was told that TransUnion had two credit files on me now and they can not delete the one they created XX/XX/XXXX because they can't be sure that that's not the correct one when my credit history is nearly 30 years old. 

This morning I received the letter from TransUnion and it was a form to fill out and send payment to receive a copy of my credit report. However, the credit file number for this one is XXXX. 

As of this morning, my TransUnion credit file still shows a credit score of XXXX.