23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recieved a text on XXXX XX/XX/2024 from Citi Bank asking if I made charges for XXXX XXXX XXXX. I hit XXXX XXXX XXXX. The next day i checked my account and over {$1000.00} had been removed from account via hack. I called Citi and spent 3 hours on the line with a representative who helped me with 45 transactions that were deemed fraud. on XXXX XXXX, I spoke with 6 different reps for 2 hours to open new accounts and overnight a card. On XXXX XXXX, card arrived and I spoke with 5 agents who were all unsuccessful in assisting me with activating new card and transferring my money to new account. 

Each time I talked to someone I had to verify every piece of informationfor security. It's extremely frustrating someone was able to call in transfer money to my different accounts and use it and I am inconvenienced with no money from any of my accounts.
Product: Credit reporting or other personal consumer reports

A private landlord misused and took advantage of my information. Being a young student, I was not familiar with renting an apartment or the proper steps to rent an apartment. Told the landlord I am a first time renter. I have never lived in the apartment, I was inquiring about it. I tried contacting the landlord to figure out the problem but I have been blocked, and continuously ignored since then. 

Since then I have been homeless and struggling to get an apartment due to wrongful inquiry that was placed on my credit. 

I have also filled out an Identity Theft Form as well.
Product: Credit reporting or other personal consumer reports

According to 12 CFR 1016.1 I am able to prevent a financial institution from sharing information with third parties. I have opted out of reporting with XXXX XXXX and XXXX XXXX. Therefore your company does not have the legal authority to report this information on any consumer report. 

The Privacy Act of 1974 states that no agency shall disclose any record ( which includes financial transactions ) except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Additionally, the CARES Act states that no consumer reporting agency shall report an adverse item about the consumer during a covered period. XXXX XXXX was reported during a covered period which is a direct violation of this Act passed by XXXX.
Product: Money transfer, virtual currency, or money service

I received the following from XXXX  support, I verified that they did in fact send the email, when I clicked on the link, it is asking for bank information, birth date, and social security number, they said this is the only way to get the refund from them which is questionable at best. I never reached out to XXXX in the first place. 

Hello XXXX, Thanks for reaching out to the XXXX XXXX XXXX XXXX. 
Thank you for your patience as our team reviewed your devices eligibility for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We have verified that you are eligible for a payment of {$50.00} USD in payment. 
Well be processing your payment using our third-party payments partner, XXXX. Heres how to receive your funds. 
If you already have a XXXX account from Google, please reply to this email and confirm the email address associated with your account. 
If you dont have an account, please follow these simple steps : Go to this link in your web browser. 
Complete the registration process. 
Enter your bank details for where youd like the funds to be disbursed. 
If you do have a XXXX account that was not provided nor activated through Google, please follow these steps : Click the unique link from the first step above. 
Select Already have a XXXX account. 
Follow the on-screen instructions. 
Once you have completed these steps, it'll take about 15 business days for you to receive and view the funds on your account. You will not be charged any transaction fees. Appeasement amount may vary based on the daily exchange rate, at the time of conversion. The final amount will be calculated using the exchange rate in effect at the time you select your appeasement. 
If you have questions regarding XXXX, please visit their Support Center. For Payoneers Privacy Policy and Terms of Service, please visit this page. XXXX  Services Terms and Conditions can be viewed after signing in to your XXXX Account. '' For your reference, your case number is XXXX. If you need more help, you can contact us again and reference this case number, or reply to this email to reopen your case. 
Within 48 hours of our last interaction, you'll receive a short survey via email. Wed love to hear your feedback about our interaction today and your overall experience with Google support. 
Regards, Here is the link : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports that were not made by me. On XX/XX/year> I sent a letter along with a FTC affidavit regarding another account and the request for the removal of the inquiries not made by me. 

They were not removed. Now I have recently mailed out with a return receipt a FTC affidavit package requesting again the removal of the inquiries on my credit file.
Product: Debt collection

Harassing phone calls XXXX times a day. 5-6 days a week. When we answer they hang up. I attempted to call them to find out why they keep calling and when I ask them to disclose reason for their call they hang up on me. They also refuse to answer my questions as to their purpose of constant harassing calls and refuse to answer my questions when I ask what the matter is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had some XX/XX/XXXX work done in XX/XX/XXXX and charged it to my Care Credit/Synchrony Bank charge card. The total of the bill was {$250.00}. When I received the bill, I immediately went online to enroll in their auto pay system to ensure my payments would be received on time and that my bill would be paid off at the end of their promotional period of their 6 month no interest/no payments plan. My payments were set up as follows : XX/XX/XXXX {$58.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} I just logged into my account online to make sure this bill is paid in full, as it should be, and I noticed that I have been receiving a late fee of {$38.00} every month and my balance is {$220.00}!!! I have made my payments EARLY every month and have never been late with this account, which I have had for years and never had an issue until now. I have never been notified that my payments were " late '' or that I have been charged a $ XXXX monthly late fee. I am requesting that Care Credit/Synchrony Bank review my account and correct my balance to {$0.00}. Furthermore, if any negative credit reporting has been done, I would also like them to correct this problem.
Product: Credit card or prepaid card

On XX/XX/2023 Bank of America created a new Credit Card under my business name and sent me a card I did not ask for. I called Bank of America they told me the date it was approved but could not tell me who approved this card being created. They quickly closed the account and are sending me a letter notifiying me that the account is closed. However, this is fraud by Bank of America business credit card department.
Product: Mortgage

I requested a payoff of my mortgage with a payoff date of XX/XX/2020. Mr.Cooper, my mortgage servicer sent me a payoff with interest running thru the XX/XX/XXXX. I paid off the mortgage and the funds cleared my bank on XX/XX/2020. The servicer refuses to mail me a satisfaction of loan, which I have been told is a requirement in order to cancel my flood insurance policy. Fema has informed me that this policy will remain in effect and I will be charged until they receive this form. How can a company that doesn't have an interest require that I continue to keep a policy in place? 
Thanks
Product: Mortgage

I currently have a mortgage with Flag star bank, my XX/XX/XXXX payment was late reaching flag-star on XXXX/XXXX/15. I 've had this loan for over a year now and it 's the first time my payment was late due to personal issue. I 'm currently current with all other payments, just received notice that my loan is going to be service by XXXX as of XX/XX/XXXX. I have no interest for my loan being transferred over to this company, who can I address this issue with. I just looked up this company and nothing but horror stories have been posted. How can I avoid my loan from being transferred..
Product: Credit reporting

I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX-XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both Equifax and XXXX. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020. I spoke with XXXX from American Finance on a recorded line about possibly settling my debt from the closed account. which i then asked that if i can settle for a specific amount of {$400.00} that the account will be settled and removed. this is when XXXX assured me that the account would be settled and removed if i was able to ay the said amount of {$400.00}. since XX/XX/2020 i have been I debating and disputing with American First Finance about the removal and settlement of the account which they now tell me it can not be removed. as of right now this account is showing up negatively on my XXXX  report and by XXXX assuring me over a recorded line that the account will be taken care of therefore makes it a binding conversation and i feel as though this company is not doing right by their part of the contract. I haven't received a confirmation number, i have complained and told them i wanted to hear the conversation with XXXX, and i have only received an email with an attachment with transaction history but with no proof of who is receiving payment. I'm trying to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX and placed in default by XXXX. The real U.S.Department of Education General Counsler said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. XXXX if yu have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the E-Sign Contract for verification, their is no address of mine the XXXX XXXX XXXX not exists. A school code was used for consolidation from the UniversityXX/XX/XXXXXXXX XXXX. The University XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXXXX/XX/XXXX and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXXXX/XX/XXXX in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. XXXX stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. XXXX you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. XXXX you have damaged my credit reports and score for greed. XXXX send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. XXXX you have prevented me to obtain a mortgage. XXXX send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XX/XX/XXXXin XXXX an the real U.D Department of Education
Product: Debt collection

I paid off this debt in collections and it has n't been removed of my credit status. And they still have n't sent me a confirmation letter. But I do have proof that I paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to creditor on my report to resolve case, credit claims they have no information with my name nor any amounts I have never done business with this agency please assist with this
Product: Checking or savings account

Please find attached an automatic renewal completed against my instructions by XXXX XXXX. 

I had opened a 1 year cd with specific instructions to not renew upon maturity. I had also asked for notice when the cd was due to mature. In fact, I received no notice and the company actually renewed the cd and then sent me a confirmation 2 weeks after the fact. 

When I called to complain they said they had mailed, not emailed, but mailed a USPS notice and blamed the post office for lack of receipt. I asked under the COVID situation if they could make an exception and was refused. I asked for a no interest redemption and was advised I would be penalized with 6 months interest subtraction for my two weeks before they sent the confirmation. 

I demanded to speak with a manager or more senior supervisor and was told I would be called back. I provide both my cell phone and email address and have not been contacted. 

I find this company to be indifferent to proper business practices and no interest in solving issues with consumers. 

Your assistance is appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. ADS/COMENITY/XXXX  VISA | COMENITY CAPITAL | XXXX XXXX Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Student loan

I have a closed complaint and a follow up open complaint with this company. Their response to the open complaint is to contact them via a phone number they provided in their response. The phone number leads to an automated answering system. They have an option to speak with a human to resolve the issue but I am disconnected every time before a human answers.

I had set autopay up based on the original payment amount for my student loans. After this, and without my authorization, the company changed my payment plan to one with a much higher monthly payment. They then continued to withdraw from my account at this much higher amount. This was a mistake on their part. They eventually admitted to the mistake and lowered my monthly payment, but are unwilling to give me a credit or refund for the amount they withdrew by mistake.

Consequently, I am ahead on my monthly payments. However, because they are not offering a credit or refund, I can not easily afford to continue paying monthly payments right away as they state they require. 

Their customer service is unreachable via telephone as stated above the email responses I receive have digressed into simply asking me to make monthly payments as scheduled ignoring the fact that I am unable to do so because of their mistake.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide info
rmation about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, AND IN RESULT SEVERAL ACCOUNT HAVE BEEN OPEN UNDER MY NAME THAT ARE FRAUDELENT DISCOVER BANK # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,
Product: Credit card or prepaid card

I had XXXX 's Rewards Plus XXXX in 2013. I purchased this card and every time to reload they charged me {$3.00} on top of monthly {$4.00} and XXXX cents inquiries about balance. I had lots of problems using this card. When the merchants issued credits and refunds Rewards XXXX XXXX would hold these funds for 1 month not allowing me to use my own funds. It happened on several occasions in XX/XX/2013 when I traveled. When hotels had extra preauthorization and after check out would release funds, Rewards plus would hold onto money and not credit to my account for 1 months. I involved management of one hotel in XXXX XXXX who same as me spent hours on a phone with Rewards XXXX without any resolution. I had few instances also when I would reload money onto card and funds would not be available till1-3 days later, making me not able to pay for my phone, or buy  groceries and pay other bills. This card is a negligent defective product and service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried opening accounts with this creditors. This accounts do not belong to me : XXXX CO Bank XXXX XXXX XXXX CO Bank XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company mailed me this Adverse Action Notice, stating that I asked for credit. I did not ask for extended credit of {$6000.00} of any kind, False information. I am also concerned about my history and under the 15 USC 1681a ( k ) Collections action and judgments, past credit history unfavorable charged-off
Product: Credit card or prepaid card

I had a credit card from Bank of America which I had closed about a year ago. However, the past three months, I received invoices form Bank of America charging me fees as follows : XX/XX/2020 {$79.00} XX/XX/2020 {$75.00} XX/XX/2020 {$79.00} But as I said I c losed my account about a year ago. 

the credi card account number is XXXX XXXX XXXX XXXX Cash RewardsWorld Master I think the Bank of America branch is XXXX XXXX XXXX XXXX, XXXX Fl XXXX. 
I filed a complaint with XXXX XXXX XXXX ( XXXX ) ref : XXXX This month I received a notice from Credit agency XXXX saying that Bank of America has rported me as delinquent.