23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} to my XXXX XXXX account on XXXX of XXXX XXXX XXXX of XX/XX/2023 I received a confirmation message that the funds were deposited to recipients account but when I checked my account I didnt receive any money from Remitly so I contacted to. the customer service and file a complain about it They said they will call me back with the resolution in 4-7 business days but I nobody called me from Remitly so I called them n they said the same thing so I waited again for 7 days .Same thing was going over n over again. Its been more than a month n I still havent got my refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2018, I viewed XXXX for a hotel room. I looked at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX for room rates. I initially did not book the room. I went to view the room again and booked a reservation thru XXXX. I did not want to provide a credit card but was assured that it would not be used. It also stated that if I did not use the room, I would not be charged for the room. 

An emergency occurred so an hour and a half later, I canceled the room thru XXXX. I thought I was done until I received my credit card bill and the room was on my statement. I disputed this cost several times with my credit card company. I also got in touch with XXXX. XXXX said that I needed to get in touch with XXXX XXXX XXXX. 

I trusted XXXX 's web site stating that I would not get charged for a room I did not use and also that my credit card number I gave them would not be used. Neither happened. 

I informed Capital One that this charge was unauthorized but in each case, they continued to place this cost on my bill. I canceled my credit card using the XXXX number but according to the bills I still get from them, they still have it open and they are continuing to charge interest and finance charges.
Product: Credit card or prepaid card

On XX/XX/2020 I made a change to two plane tickets that I purchased from XXXX XXXX XXXX. The change for the change in tickets was {$50.00} and {$66.00}. The charges appear on the statement for XX/XX/2020. I paid for the charge on my PayPal credit card. When I saw my statement, I saw two additional changes, {$100.00} and {$89.00}. I contacted XXXX XXXX and they sent me sent me a confirming email saying that, Our records do not reflect the other changers mentioned. As such, we ask that you contact PayPal for any further assistance. I contacted PayPal and filed a dispute with them three times and gave them a copy of the email from XXXX XXXX. They have denied me my request to remove the charges. I have explained to them that I did not receive anything for those charges and So.  XXXX can not associate the charges with any purchase on their end and they can not find the charges in their records Therefore they can not reverse the charge.
Product: Checking or savings account

I had a {$200.00} hotel hold place on my account on the XXXX. XXXX XXXXXXXX removed the hold on the XXXX. I called current multiple times and was told they did not have the release from the XXXX. I called back to XXXX XXXXXXXX to make sure it was released was assured it was so I called current again still nothing. Call tXXXX XXXXXXXX back to get it in writing that the funds are not a valid charge and were released. I sent this to current and write them again concerning the release of the funds. I did not agree to allow current to hold my funds 31 days after they were released.
Product: Credit card

Citibank reopened my credit card account without my consent, posted an annual fee of {$110.00} and then harassed me daily to collect it. 

I closed my credit card account with Citi over the phone in XXXX and confirmed that the annual fee would be waived and there was {$0.00} balance on the account. I then started to get automated collections calls every single day about an over due balance. I spoke to a representative several times and they assured me that the account was closed and that the annual fee would be waived. 

Finally on XX/XX/XXXX, I asked for a cease and desist and that they stop contacting me about my account. They then informed me that a credit card was reissued after I requested my account me closed in XXXX and it was in fact re opened without my consent. When I asked to formally close my account again and for written email confirmation of what was discussed on the phone and confirmation that my account was closed with a {$0.00} balance the representative on the phone told me that she would not provide that and a letter would be mailed in 7 - 10 business days.
Product: Mortgage

I have tried to send payments in on my loan because they are not the correct amount they have mailed one back to me and I am waiting on the other to be returned. I have all the money to catch it up as of XX/XX/year> but I have to wait until I get the check back. Of course this changes the amount. I was on hold for 1 hour today and I still could not get through. I am trying to pay them but they are hard to work with. I asked for help but they told me my income was not enough. I need help with Faye Service Co. they are not consumer friendly? We need more government regulation on them it appears they are in the business to take your home.
Product: Credit reporting or other personal consumer reports

The following hard inquiries below are a result or fraud and identity theft. Please remove them from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had an on-going dispute with Citi since XX/XX/XXXX. In two letters dated XX/XX/XXXX, and XX/XX/XXXX, ( see attached ) the Executive Response Unit has stated that my account received temporary credits and that I  requested a refund check while the investigation was in process. I have had limited access to my account since it was closed, I believe prior to XX/XX/XXXX, and I did not have access to print statements. I had requested statements a couple times and did not receive them. I requested them again on XX/XX/XXXX and told it could take up to 30 days to receive them. To this day I have not received my statements from XXXX XXXX or Citi. 

I was not aware that my account was turned over to collections until XX/XX/XXXX, when I received a call from XXXX XXXX with XXXX, XXXX XXXX XXXX. Mr. XXXX was responsible for getting my XXXX XXXX /Citi monthly statements from XX/XX/XXXX - XX/XX/XXXX. 

After receiving my monthly statements on XX/XX/XXXX, I sent the attached XXXX XXXX XXXX XXXX  letter, which included my XX/XX/XXXX XXXX XXXX/Citi statement as proof that a temporary credit was not applied to my account and that Mr. XXXX XXXX and the XXXX XXXX XXXX  had lied to me and to the Consumer Financial Protection Bureau. I don't believe lying is a trait listed in Citibanks Code of Conduct. 

If you have any questions or require additional documentation, please contact me.
Product: Credit card

Hello, My name is XXXX XXXX, I been a victim of fraud in my Synchrony account of XXXX, I have few accounts with synchrony bank credit cards and charge cards, and they are incompetent, in the way the enter my information, which I verified with them, and they still hurting my credit bureau exceptional performance. I have no problem, with any of my XXXX, XXXX, or discover accounts. It is just lousy Synchrony, that makes mistakes that cause me points in my fico score. They make the errors, and they blame me. I have all my account for ever, in auto pay with plenty of money to pay, and these idiots, tell me, that my account is invalid?? IT IS NOT. I even talked to them, and they are like talking to a robot, who does not understand a simple inquiry, form their mistakes on my accounts. 

I have all my bank statements that proof all my good performance. Please help in straighten this out with Synchrony bank. Also, they charge outrageous amounts of money as interest rates. I am a XXXX XXXX, and I live on a fixed income. I hope the government will fix this companies, abusing the American people, ripping us off. 

I thank you in advance for your time, XXXX XXXX  XXXX!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> -- {$650.00} XXXX XXXX XXXX # XXXX XXXXXX/XX/year> -- {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not done a thorough investigation with the following collection agencies. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has been reporting false, inaccurate and fraudulent signatures to verify a debt that is NOT mine. I've asked for validation forms with my original signature and have not received any documents binding me to said debt. One document was forged and does not contain my original initials or signature. they also have documents with my name spelled incorrectly numerous times leaving me to believe they do not know who the debt belongs too. This debt needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XXXX under account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/year> under account number XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact Towne Mortgage Company by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?
Product: Payday loan, title loan, or personal loan

Got a loan thru XXXX XXXX for 250.00 came across difficult times could not pay back they contacted employer and said to garnish wages human resource person called me and asked me about this no court order I agreed to 50.00 biweekly what they want is 750.00 I have already paid about 400.00 is this legal
Product: Mortgage

In XXXX I was granted the loan modification, which included a modification incentive program, the mortgage carrier will credit the principal {$1000.00}. a year for five years, requiring the payment not to be late more than 30 days or it will be cancelled. XXXX XXXX XXXX credited my account on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to XXXX XXXX, which credited my principal on XX/XX/XXXX complying with the original contract. On XX/XX/XXXX the loan got transferred to Ditech Financial LLC, which did not credit the mortgage principal for the years XX/XX/XXXXand XXXX. Since my payment was deducted monthly from my checking account I did not realize it was not credited. I started looking to refinance and as I went through the payment history I noticed it. I called several times, they promise an answer. I spoke with a manager at Ditech Financial LLC named XXXX at extension XXXX. She sent me an email that said the issue was resolved and it was cancelled because I was late. We looked at the history together and she agreed that my payments were never late, she promise to look in to it. I mentioned that I was going through a refinance and she made clear that they would credit the {$2000.00} and if I refinance before the account was credited that I would receive a check for the {$2000.00} I was owed by XX/XX/XXXX. It is now XX/XX/XXXX, I have made multiple phone calls and left multiple voicemails and have not heard back, gotten an answer, or received the refund of {$2000.00}. This loan is no longer with Ditech Financial LLC. I will attach a copy of my payment history.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a vehicle. I wanted to unlock my credit freeze. I was able to get 2 of 3 agencies to unlock the freezes except TransUnion. I spoke with 3 representatives over the course of 2 hours. The security questions they asked me did not match any current or previous addresses or know acquaintances. I informed them that I had my pin but I was informed that they no longer used pins. I spoke with a supervisor but he asked the same security questions over and over. I asked for a USA number rather than one that directed me to XXXX. He informed me that all calls would direct me to that country. He informed me to call back in 24 hours and try again. I asked him if the security questions would be the same but he kept telling me to call back in 24 hours. I received the same reply when I asked for further assistance. Needless to say, I am at an impasse. I searched the web and other individuals have commented on not being able to lift their freezes even though they have accounts. I would appreciate any help and contact with me that you can offer. I appreciate your time and efforts regarding this matter. 
Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 
However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the fourth dispute I am a filing with equifax to demand them to correct the status they are reporting on my credit profile. They keep reporting the status of a paid and close student loan as open and paid as agreed. 
I have disputed this inaccurate information with them several times, I even provided them proof of the accounts being paid off in full and they still dont fixed it! It is jeopardizing me badly everytime I want to apply for credit I keep getting denied due to the information is being reported in my credit profile I am devastated. 
I paid off in full the student loans I had with XXXX back on XX/XX/2020. I sent them the paid off statement the lender provided me to proof they were paid of in full. I was told that it would take 30 days for the credit profile to be updated it and for all of the accounts to show the status of paid in full, account closed. By XX/XX/XXXX my credit report was updated and they still did not fixed! I dispute it again in XXXX they told me it would be fixed in 30 days and still has not been fixed and update it ; although I sent them prove of paid off balance every single time. I even contacted the lender and they told me that they requested equifax to update the status. Today XX/XX/2020 still has not been fixed and I found my self filing a dispute for the forth time demanding them to fix it!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Southwest Collection Agency , Inc has falsified and used doctored invoices to collect money and interest charges and failed to provide verification. They have threatened that these charges were reviewed by their attorneys and lawful and will take legal actions. 
I have tried to settle the debt by paying off the half of the amount that I did not owe out of fear that the interest will accrue. After speaking with others and learned that what they are doing is unlawful. I questioned the validity of this debt that they are demanding they became enraged with hostility and used vulgarities and obscene languages and stated this will continuously grow and XXXX up my credit. 

I have then contacted the rental car company, however ; they stated that they made the mistake not knowing the laws sending it to this collection agency which is not allowing the rental car company to cancel or dismiss it.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Barclay 's XXXX XXXX credit card. It offered a signup bonus of XXXX miles + {$95.00} statement credit when spending {$2000.00} within 90 days. 

I met the spending requirement within 45 days and was awarded the XXXX miles as expected. However, the {$95.00} statement credit was not issued. 

I contacted the bank and they first said that I needed to show them an " offer code '' in order to get the credit. I responded by informing them that I followed a link which clearly stated the offer ( but had no " offer code '' ) and that, even now, the same offer that I signed up for was being advertised ( see attached ). 

They told me that I must have signed up for a different offer because they had no record of the statement credit offer on my account. 

I have a record of their offer that was previous to this current one ( .which they launched on or about XX/XX/XXXX ) and it was only for XXXX miles & NO {$95.00} statement credit. Clearly, because they awarded me XXXX points, they should have also awarded me the {$95.00}. 

*** They owe me {$95.00}.
Product: Debt collection

I was solicited by a travel company ( XXXX XXXX XXXX ) that provided false claims regarding a wholesale travel membership that turned out to be fraudulent. I was told by this company if I didnt use the service, I would not have to pay for it. Once discovering it was a scam, I contacted the company to cancel the membership ( which according to my state law in XXXX have the right to do within three days ). When I was then told I could not cancel, I asked for a copy of all documents with our agreed upon terms. Monterey Financial has still not provided me any evidence of our original agreement indicated by my signature. As you can tell in the documents, the claimed time stamps simply say esigned with a timestamp and IP address that ( XXXX ) are replicated in multiple places ( which would be impossible to sign multiple pages at the exact same time ), ( XXXX ) timed at XXXX, and ( XXXX ) is not even my IP address ( I have attached documentation to verify this is not my IP address ). I was also originally told that the documents would be in XXXX, which i have an account in and would be able to view completed documents once signed. Once I addressed this concern, they then claimed they were mistaken in the signature collection software and it was some other software that was used. It is clear that the documents were altered and do not contain our agreed upon terms. After reporting the travel company for fraudulent practices, I have not heard from them after filing disputes. However, this company, Monterey Financial, has provided NO written notification about any attempt to dispute claimed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I made deposits from my albert app account which is a checking account to an online gaming site. 
# 1The online gaming site would not verify my identity and let me withdraw the funds i deposited to the account after i provided the information they requested. 
# 2 They shut my account down with my money in it and refused to communicate with me. 
# 3 Albert refused to file a chargeback on the account after the money was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing and seeing the same results have been so disappointing. I have been sending multiple written requests and the last letter I sent to TransUnion was on XX/XX/XXXX. However, I have not received any response up to this date. Thus, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX {$5900.00} US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX