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

I have a CitiGold account with Gold Debit Card. One of heavily advertised benefits of this account is a Subscription Rebate program, which refunds up to {$200.00} per year for certain subscription services. I am registered for merchants XXXX XXXX and Costco, same merchants I have been registered for the last 2-3 years. 
On XX/XX/23 I purchased Costco membership for amount of {$130.00} after taxes. I was expected to get rebate within days, but as weeks went by, I decided to contact CitiGold customer service. Once again, I was expecting to see rebate hit my account within days, but it did not happen. No one from Citi had even tried to contact me, and after a few weeks when I called them again, I was informed that they decided not to credit me the rebate as they advertise. It is perfectly acceptable for them to stop offering this service for all CitiGold customers, otherwise they do not have a right to pick and choose when they want to pay a customer back and when they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX. There was only a {$300.00} limit on the card but I still managed to rack up a {$610.00} balance due to interest and late fees. I had a past due balance ( Covid contributed to my inability to pay ), and was unable to make payments. On XX/XX/XXXX, I was able to call credit one and negotiate a settlement. I paid them XXXX that day and they agreed to waive the remaining balance which consisted of interest and late fees. It didnt reflect on my credit score so I called them and they told me first it would show my payment and then after that next cycle, it would show it is paid in full. I just received investigation results from a TransUnion dispute that states all info is accurate and there is a {$610.00} balance on my account. This is inaccurate and needs to be changed. Im working very hard to pay off my debts and improve my credit so I can buy a house for my kids and this is not helping. Thank you.
Product: Checking or savings account

To start this let me say, I am a homeless veteran and I am on a very small fixed income. So I dont have a lot of money. I was placing an order on the XXXX app. The total was like {$18.00}. It didnt go through because I forgot to unlock my cash app card. So I unlocked it and tried it again. Then all of a sudden my cash app was charged {$44.00} and on top of that, the order wasnt even showing up on the XXXX app anymore. So I went to the XXXX and they told me it got canceled. Long story short they didnt give me my food. And the {$44.00} charge actually posted. So I disputed it with cash app. They denied the dispute. 8 times. I made a XXXX about it. And cash app actually commented on it please dm us and our team can take care of this for you They sent me through the exact same process I already went through 8 times before and guess what? They denied it again. They literally got my hopes up.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from XXXX that my account was temporarily restricted and that additional information was needed to verify my identity. This information was provided that same day. Despite multiple follow-up requests ffrom me to XXXX asking XXXX for a status update, no update was provided until XX/XX/XXXX, when XXXX replied and said that I would receive a call. I never received this call, and began asking for status updates again. Still no resolution or update until I received an email on XX/XX/XXXX stating that my account was being closed immediately. This account has had a balance of {$5600.00} that I have been unable to withdraw this entire time since XX/XX/XXXX, and I am still unable to withdraw these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report, and I noticed some account on my consumer report that should not be there. This agency is in violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. They were to notify me of this in writing 5 days prior. I was not notified. 

I am distressed that you have included the information below in my consumer profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
XXXX : Account names : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. XXXX and Equifax Failed to provide any proof that the item belong to me. I do not consent to XXXX  or any means of automated verification. 
This is caused me : Defamation, Violation of the fair Credit Reporting Act, Financial Injury. You have Hurt my ability to obtain Credit.
Product: Credit card or prepaid card

This complaint is regarding account XXXX XXXX XXXX, which you claim I opened a credit account on XX/XX/2018 for {$350.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX   and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Product: Checking or savings account

I was charged around 28 times for over draft fees that all weren't even causing my account to overdraft.
Product: Credit reporting or other personal consumer reports

Consumer ADJ CO 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our home loan was sold to Wells Fargo. For the past couple of years Wells Fargo sends us notices that we need to provide them documentation for Hazard Insurance or they will purchase this and charge us for it. We have long used XXXX insurance. 

Our concerns are : 1 ). Wells Fargo uses the term " Hazard Insurance '' instead of " Homeowner insurance ''.

2 ). Wells Fargo provides a phone number - " If you have any questions, please contact us at XXXX '' however this number only has programmed information and as far as I could tell no access to ask a persons questions like : * Does hazard insurance mean homeowners insurance? 
* Do you need the entire policy or just a 'proof of insurance '? 
* Do you know when your web site will be working again so I can upload the information? 
* What is the timeline before you purchase insurance and try to make me pay for it? 
* Your letter states " we tried to get the new policy information form your insurance provider but haven't received it yet '' - what actions did you take and how can we fix this so we don't have to do this every year? 
3 ). Wells Fargo provided four options for providing insurance information : a ) Mail it to an address- but there is no indication of when this needs to be received and processed. 
b ) Fax a copy to a number provided- I don't have a fax, so this was not tried. 
c ) Go to a website www.mycoverageinfo.com/wellsfargo - however over several days - XX/XX/XXXX and XXXX, XXXX- this wasn't working " Upload Temporarily Unavailable - We are experiencing a technical issue and this feature is currently unavailable at this time. Please try again later ''. 
d ) Email you policy to XXXX. This ended up working for us after several days. 

Wells Fargo makes it difficult to demonstrate that one CONTINUES to carry home owners insurance.
Product: Credit card

Hello, I am a XXXX XXXX XXXX XXXX  in XXXX NC. I use XXXX ads to advertise my home listings. On XX/XX/year> my XXXX ads manager account was compromised. First they changed my daily spending limit to {$5000.00}. Then the fraudsters created a T Shirt ad for their product to sell. They attempted to charge my credit cards on file 125 times of which 34 transactions were charged for a total of {$21000.00} on XXXX different Mastercard 's that are on file in my XXXX ads manager account. One was a Barclays Mastercard account ending in XXXX and the other was a XXXX Mastercard ending in XXXX. There was also one charge to my XXXX account. Total charges were Barclays Mastercard- {$18000.00} XXXX Mastercard- {$3600.00} and XXXX- {$230.00}. XXXX and XXXX both deemed the charges fraudulent and refunded the charges back to my account. 

Barclays Mastercard refuses to refund {$18000.00}. There 5 internal investigations " determined that the charges were valid based on a previous purchase history with the merchant '' ( XXXX ). 

In the attachments I have emails from XXXX support who ran there own investigation and concluded that my account was compromised. XXXX also states in the email ... '' We've refunded all the fraudulent purchases back to the original source where the charges are taken out so you need to talk to your credit card provider '' XXXX only refunded 1 charge for {$170.00} back to the Barclays Mastercard account. 

After more than 14 months later neither Barclays nor XXXX has resolved this issue and refunded the fraudulent charges of {$17000.00}. I am making monthly payments on the Barclays card with very high interest rates, By paying the minimum amount it will take me 29 years for a total of {$55000.00}. 

Attached I am providing .... 

XXXX ) XXXX ( XXXX ) Charges that were paid by my credit cards. 
XXXX ) XXXX XXXX emails confirming my account was compromised and the charges would be refunded. 
XXXX ) Barclays 5 different investigations results letters. 
XXXX ) Police Report In conclusion .... I also know of 2 other people in my town who have had the exact same situation happen with XXXX and their credit card company. XXXX person who happens to be my boss was able to get the charges resolved through a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Product: Credit reporting

There is a item on my credit report that i have been disputing since XX/XX/2017. Creditor is XXXX. I paid this account in full on XX/XX/2017. I have called equifax on several occasions trying to get this information updated. I have also submitted proof of payment to equifax and the creditor still can come back and tell equifax that account verified and the balance is still XXXX which is the amount i paid in full. I am getting nowhere with this issue. I need for equifax to update my credit file to the correct balance which is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( 60 plus + days ). Despite providing all necessary identification information, Equifax has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by Equifax have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following five provisions of the FCRA within 15 U.S. Code 1681c.

Despite multiple attempts to resolve these issues, including the submission of my identification information, Equifax has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate Equifax 's practices and enforce compliance with federal laws. I urge you to compel Equifax to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with Metro2 reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing a {$490.00} balance that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing still on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 6. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 7. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 8. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Bank account or service

XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 there were a number of fraudulent ATM withdrawals made from my account. A police report was filed. I disputed the charges with the bank but after asking for no paperwork or documentation they rejected the claim and now my account has a negative balance.
Product: Mortgage

Dear CFPB, This complaint is regarding Rushmore Loan Management Services, LLC. This is in regards to my mortgage being incorrectly placed in default for false reporting and misapplication of payments on behalf of Rushmore Loan Management Services, LLC.
I have made so many attempts to fix this issue by phone and in writing. But, when I have tried to correct Rushmore 's errors it has caused more severe and additional issues such as incorrect reporting to credit bureaus. 

I now believe I 'm being targeted by this company. I believe this company is trying to steal my house and fraudulently file default mortgage insurance. I believe I have been targeted due to numerous false reporting regarding my loan to a Bankruptcy Trustee and Bankruptcy court and the credit bureaus. 

I received a letter from Rushmore dated XXXX/XXXX/XXXX. Rushmore is stating that I 'm contractually due for my XXXX payment. They have also assessed my mortgage loan with incorrect late charges for both XXXX XXXX and XXXX XXXX. I have provided CFPB with all proof of payment and have provided proof of payment for every month from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. They still are stating that I did n't pay a payment. XXXX, I spoke with XXXX which states is a Supervisor with Rushmore Bankruptcy department. During the conversation with XXXX, he stated that I did n't make a payment in XXXX XXXX. Rushmore is now trying to collect on a date that was prior to them receiving the servicing of the mortgage loan. 

I called XXXX XXXX XXXX and spoke with there customer service in Bankruptcy and they confirmed for me during the phone call that I was current and reported as current at time of transfer of the loan. 

I 'm providing you Rushmore 's letter dated XXXX/XXXX/XXXX which states I 'm due for XXXX. I 'm also providing you with Rushmore 's payment history for XXXX XXXX and XXXX XXXX assessing me falsely with late charges. I 'm providing proof of payment and the CERTIFIED and SIGNED mail from Rushmore. Rushmore received payment prior to the XXXX due date. But, they still assessed me with late charges and noted me as late. They have also reported me as late to credit bureaus, 60 DAYS LATE. 

I 'm requesting for Rushmore to take my loan out of default. I 'm also requesting the remove their false late charges of my mortgage loan. I 'm also requesting they report correctly to the credit bureaus. Please also stop the fraud and targeting me. I believe they have placed me in default to fraudulently collect on mortgage default insurance. 

Please report this to an appropriate agency for investigation of these fraudulent practices. 

Thanks, XXXX XXXX
Product: Debt collection

I am deeply disappointed by your failure to address the inaccuracies on my credit report, despite multiple requests and confirmations from XXXX. Your disregard for the Fair Credit Reporting Act is unacceptable. Rectify these errors immediately, or I will have no choice but to file suit against your company for non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX