23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted an online dispute with Equifax credit bureau ; on XXXX XXXX XXXX a collection item added to my credit report on XXXX/XXXX/XXXX. The equifax online system was having problems and directed me to an online form to fill out because the system could not pull my report items up at that time. The system asked me to fill out the name of the collection item with the account number and the amount of the debt and date reported and click submit. My name, social security, and Birthday information was pre-populated on the form already. I typed in only one account XXXX XXXX XXXX Account number and {$1500.00} amount with the reported date of XXXX/XXXX/XXXX. On XXXX XXXX I received an alert that an reinvestigation was being done on a totally different account than the one I disputed and dropped my credit score 5 points. I immediately called Equifax for an explanation. I was told that I disputed every account on my credit report stating that the accounts were not mine. I told them this was an error on their part and I wanted it corrected immediately. I was told that I did it online and they could not stop the investigation on all the accounts. I explained to them what I did and they stated they did not have a dispute for XXXX XXXX XXXX but they had a dispute on everything else on my credit. Please tell me why would I dispute every good item on my credit report and say it 's not mine, and leave the only bad item that just appeared on my credit less than a week from my call and say, " that bad debt is mine '' but all of that good credit, " that 's not mine ''.
Product: Checking or savings account

I tried to best match my problem with the provided options. My issue is with a checking account promotion rather than the checking account itself. I already had a Citi XXXX Credit Card with Citibank when I was in the market for a checking account. I just happened to log into my online banking account when Promotion XXXX was advertised to me. I did not open this new account only for the promotion, but it was more incentive to open my checking account with Citibank. The promotion stated that if I had a minimum deposit of {$15000.00} in New-to-Citibank Funds by the 20th day of opening the new account and kept them there for an additional 60 days, then I would receive {$400.00} as a cash bonus. 

On XX/XX/XXXX, I received only {$200.00} as a cash bonus despite following the general rules. I opened the account within the promotional period, I deposited New-to-Citibank Funds within 20 days of the account opening, and I maintained the balance for an additional 60 days. I believe I opened the account on or around XX/XX/XXXX. I had more than the minimum requirement of {$15000.00} by XX/XX/XXXX, less than 20 days post opening. My available balance never decreased as I made sure not to withdraw any money from there, only deposit. 

I believe these are the details of my first dispute : Date : XX/XX/XXXX XXXX Subject : Citibank Service Request # XXXX Reference : XXXX It was resolved on XX/XX/XXXX, XXXX. I will attach a scan of the physical copy of the resolution, where they provided their reasoning for only giving me {$200.00}. Basically, they said that my account did not qualify for the full {$400.00} because the deposit of {$3500.00} through XXXX was not qualified. 

I have two issues with this. 1 ) These were still New-to-Citibank Funds despite having been transferred from my personal XXXX  of XXXX checking account ( somewhat irrelevant, but I wanted a new primary checking account for personal reasons that is why I opened one with Citibank when I already had XXXX XXXX. 2 ) That {$3500.00} was in my XXXXXXXX account for less than a day. Originally, I had it in cash and wanted to deposit it into Citibank but the closest branch to me ( XXXX, WA ) was two states away in California. Since I had no physical way of depositing the cash into my new checking account, I thought the next best option was to deposit it into XXXX and XXXX it over, as they should still be considered New-to-Citibank Funds. On the landing page for the promotion, it was not listed that I could not XXXX funds, so it was misleading. 

I believe I opened a second dispute with Citibank on XX/XX/XXXX to try to further explain my situation and how the only reason I XXXX  was because I had no branches near me, but recently I was advised to file a complaint with you and thought it was worth a shot. 

Please let me know if you need any additional information. 

Thank you.
Product: Credit card or prepaid card

I disputed the account in the amount of {$1300.00} that I do not owe and I received a tuped copy and not a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Signed contract with social 3. Copy of charges or statements and/or copy of whatever you have to prove this is 100 % accurate. 


None of this was submitted so they failed to prove 100 % accurate as per fair credit act.
Product: Vehicle loan or lease

To whom it may concern I am writing you in regards of the vehicle at Wells Fargo repaired or on XX/XX/XXXX.. we have contacted Wells Fargo On numerous time Letting them know that XX/XX/XXXX we will be a little picking the vehicle up in pain it to please put it in the computer and contact the repo company.. We contacted Wells Fargo today XX/XX/XXXX To touch bases in to see where we send the money We called The repo company They informed that Wells Fargo has already came and got the truck and Is fixing to auction the truck off. I dont believe that theyre allowed to do that I believe is as consumers we have 30 days at least they came on my property to get it without any paperwork In the process of getting the truck they dragged the truck up the road and park Possibly missing the transmission and rear end that ... We would like to know where the truck is XXXX said we can go get the truck and pay.. that truck mean and very great do you to my My son bought that truck Four months before he got XXXX. And for Wells Fargo to do this to us knowingly we have been in contact with him throughout this process 11 days its been Not even giving us the opportunity to go get it when we tried to one of the ladies claims that its not even a record where we called in when we ask XXXX payment to the Im asking you please do not auction that vehicle off that Ive paid for it.. The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX the account number is XXXX
Product: Mortgage

I was counseled at closing on my home in XXXX that at one point my PMI would go away. 
Sometime in XXXX, when I had owned the house for 5 years, I inquired about removing my PMI. I was told that I needed to pay down the mortgage so that there was an 80 % loan to value ratio. After I achieved that, I was counseled that I could have the PMI removed. This answer was delivered to me after the bank rep " researched '' the answer. So I commenced to save and am in a position to pay down the balance so that I can remove my PMI. I inquired today with the bank about how close was I to removing PMI and how I went about initiating the process. I am told today that I will never be able to remove the PMI and that the payment will carry with life of the loan.
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to you for the reason that I need this information removed from my credit. I can't stand this anymore because it is affecting me a lot and is not allowing me to have economic growth in my personal life. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

have been receiving threating calls from company who claims to be XXXX XXXX XXXX XXXX Attorney I looked it up and address and phone number dont match. They claim I had an outstanding payday loan probably dated back to XXXX? I told them to send me the paywork and they said they wouldnt. Also got many calls saying they had an agent trying to locate me. They wanted to settle for half of what was owed? ( about {$1600.00} ) They wanted me to pay with a debit or gift card? Also on the messages they threaton to have me served in my county of XX/XX/XXXX. They also called my step brother and left a message that they were trying to get ahold of me and I was being charged with FRAUD. I am on disability and this company continues to call on unknown numbers etc. I also told them that I had copies of checks I wrote and they did not want to accept copies. My case # XXXX Phone # XXXX spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

I have two Chase Business credit cards, opened as a sole proprietorship with my own social security number. Both account are associated with the same login and same personal information. I opened the second account recently and received the card this Monday ( XX/XX/2019 ). Today ( XX/XX/2019 ) I received a call from someone I know that they received a call from Chase Fraud Department asking for verification of my account details. I called Chase and spoke with them about this, and they confirmed several details : -There was no suspicious activity on the account -They call numbers from a third party database that they believe are associated with the account owner -They admitted to calling the number -They admitted to revealing the specific product I have -They admitted to revealing the last four digits of the account number Other information may have been revealed as well, but I was not on the phone call. I never authorized Chase to call others to verify my identity or reveal the specific account that I have, the last four digits of the account, or any other information they may have revealed. All of this was revealed without verifying the identity of the person they called. Depending on the numbers they call that are " associated '' with me and the information they reveal, my safety and security will be compromised.
Product: Checking or savings account

I was a victim of Online Fraud. The Imposters called me and claimed they were an online loan company that I applied with. They asked for my bank account and routing number. They then sent me a ping to verify my bank. I replied with XXXX digit pin, then saw 3 deposits of {$400.00}. They reversed 1 of them, so i had {$800.00} they sent to checking account. They said they wanted me to withdraw {$800.00} and return it via prepaid Visa cards. 
I was unsure this was safe but they said to assure me they will have my bank call me to verify the funds were legit. Couple minutes later i got a call from my bank XXXX service number, and the imposter said the funds were legit. So I went to a XXXX and withdrew {$800.00} and sent it to them via Visa gift cards. But when they asked me to send more, i decided to call my banks Fraud Dept. 
I was told the funds deposited were counterfiet and my account was locked. 
Unable to access my cash i went to a branch. They also would not even release to me my cash that i had in bank. I was left with no cash for food or gas, and was told it would take 7 days. Basically I was left on side of road with no way of getting home or to work. 
Loss Prevention called me after 7 days and said my account was clear and free to use. I went to a branch and withdrew the cash available, because they returned my Rent payment. The branch rep said i had {$900.00} in checking, which I withdrew because my rental payment was {$900.00}. 
I had 1 direct deposit which i withdrew once it cleared my account, and I was going to close my business with Wells Fargo. But the following week, Wells Fargo Collections called and said i owed {$770.00} from savings account. I had {$25.00} in savings for emergency, and the {$800.00} they deposited made my account- {$770.00}. They also said I was the one that deposited the {$400.00} credits, which is false. The Imposters hacked my device 'cell phone ' as well as 'Vished ' the banks number to conduct the Fraud. The bank obviously didnt believe, even though the pictures of the deposits were bogus checks from an insurance company. 
I will probably have to seek legal representation but also want to publically file a complaint to Wells Fargo. 
First of all, they approved the deposits from the fraudsters, it was released to my account. They should have held it and verified the deposits, just like all banks do when depositing a check. 
In my eyes Wells Fargo are as guilty as the fraudsters are, or maybe this what they do. 
Please note, I was Wells Fargo customer for over 10 years, never had an issue.
Product: Credit reporting or other personal consumer reports

In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2.

This is also a violation of tax code and multiple state laws in which Transunion, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania Financial Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent TransUnion and XXXX several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX  and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX  and XXXX asking them to take it off my credit report. TransUnion took XXXX off with no problem but XXXX and XXXX will not take that corrupt overcharging company off my report.
Product: Mortgage

XX/XX/year>, i paid the final judgment in a foreclosure and the servicer refuses to send letter of satisfaction and file a release for recording in the official records of XXXX XXXX XXXX ( XXXX ) Within XXXX days after the unpaid balance on a lien or judgment has been fully paid to the person entitled to the payment thereof, the creditor or assignee, or the attorney of record in the case of a judgment, to whom the payment was made shall execute in writing an instrument acknowledging satisfaction of the lien or judgment ; have the instrument acknowledged, or proven, and send it or cause it to be sent for recording in the official records of the XXXX XXXX ; and send or cause to be sent the recorded satisfaction to the person who has made the full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I Sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report, They responded with a letter stating that they " verified '' this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 


I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified with 30 days.
Product: Debt collection

I saw a add for America 's Car-Mart XXXX XXXX Texas, for the XXXX XXXX XXXX guaranteed {$590.00} down payment for anyone who brought in 6 individual {$10.00} or more unwrapped toys. my spouse and I went and met with a sales person around 1 on XX/XX/XXXX and they pointed out the vehicles on the lot that were the XXXX XXXX XXXX  approved vehicles. 
So we test drove one and brought the toys back and they accepted them and then they said '' I can get your down payment down to {$500.00} today if you agree to make deferred payments on your first XXXX notes? '' I asked her if that would make the monthly note any better and she said " Not a whole lot but if you came in and like say you got a tax check you could come in when you get that check and pay certain amount down as a seasonal tax payment and that would lower your monthly payments. '' We nodded and said " oh, ok but yes we agree to pay a deferred payment on the first 3 notes, how much extra is it? '' The monthly car note was {$620.00}, they said the deferred amount is {$100.00} extra every month for the first 3 months to go towards the down payment, remind you we came in for the {$590.00} toy drive and had the {$590.00} or XXXX needed to just go with that, I paid {$720.00} a month in XXXX, XXXX, and in XX/XX/XXXX on the XXXX I paid {$620.00} because online when I logged in it said {$620.00} instead of {$720.00} like it did the two months prior, then it asks online do you want to put this towards your yearly payment or monthly? I clicked and paid monthly, and I was curious why it said I owed {$1700.00} still??? I called and they told me that they had explained to me it was absolutely required that a seasonal tax payment be made and that they chose to take my payment for that month and put it towards their yearly payment, then they unlawfully and non peacefully re possessed the car not even two weeks after receiving my payment and me communicating with them letting them know that I did not know and I am ok with paying the {$720.00} a month but it was down right scam artist of them to do what they did. 
They are still trying to charge me for that ride, and the repo man injured me and my family because we were inside of the vehicle when he slammed from behind in a public area and busted the tail lights out and even put a flat in our back tire, the man laughed with kids screaming in the vehicle as it was lifted into the air, with multiple witnesses including the police, the man insisted he had documents to take the vehicle and he had talked to the GM at the Car-Mart in Back XXXX texas and XXXX personally asked him to do what he did because I could n't drive a vehicle that started running hot the second I'm getting XXXX ended and jacked up by a tow truck driver and that's all with me being lied to tricked and wrong fully deprived of property that I fully paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with One Main Financial with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted One Main Financial XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent and incorrect accounts reporting on my credit report, I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card service of Citizens bank has refused to update that I paid off my credit card with the credit bureaus leading me to have an artificially low credit score during COVID-19 which is greatly impacting my ability to manage financially. 

I have called their customer service line multiple times to no avail, each time I am given a different excuse and a workaround explanation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I mistakenly made a purchase at XXXX using PayPal 's payment system. Paypal used my debit card on file. Once the mistake was discovered, XXXX immediately refunded my debit card through Paypal within two hours of the purchase cancellation. The refund is sitting in Paypal 's account but they refuse to send the money back to my debit card until 30 days has expired. This arbitrary timeframe of 30 days before they will apply the funds back to my bank account is excessive. It feels as though they are holding the money/refund to gather interest and a profit before putting it back in my account. They are causing an overdraft situation because of their excessive timeframe to return funds back to the debit card and bank account associated with the debit card.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting or other personal consumer reports

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