23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Best Buy Citi Visa card to take advantage of the 12 month no interest period on purchases made in the first two days of approval. I waited until the card came in the mail, and then activated the card and tried to make an account to get statements and make payments electronically. Unfortunately, through no fault of my own, something went wrong with the account creation process and I was not able to sign in with the account credentials I created. I was then instructed to call customer service to resolve the issue. I was told that day to wait about 10 days ( this wasnt very clear as the agent I was talking to was slurring their words and mumbling, I have talked to XXXX customer service agents with better enunciation ). Today I received my first paper statement and called customer service again to clarify what was going on. I learned that somehow during account activation I was not able to be verified ( all steps that I was required to follow were completed, nothing to do with my actions ) and that because the account was new the customer service representative took some action to send a letter in the mail in order to verify my identity. This will potentially arrive about 7-10 business days before the first payment is due. If anything else goes wrong by accident I might be charged late fees. I believe this whole process is a technique by Citibank to forcibly incur fees and increase their revenue.
Product: Credit card or prepaid card

Someone opened up a Target credit card under my name. I received the actual card in the mail and then contacted Target fraud department letting them know that I had never applied for the card. They have since canceled my card and asked me to report it to CFPB. I have also put a fraud alert on my profile
Product: Payday loan, title loan, or personal loan

I initially took out a loan with XXXX XXXX ( QC Financial Services Inc. ) for {$400.00} on XX/XX/2019. On XX/XX/19, I called the business to request a payoff amount, as I wanted to pay off the loan. The person on the phone quoted to me the amount of {$340.00}. I then made arrangements to pay that amount by phone. As they had stated to me that they do not mail out receipts, I considered our business done.

On XX/XX/2019, I received a phone call from XXXX XXXX requesting a payment. I was shocked, and stated so, because I had been given the impression that my loan was paid off. I informed the caller that I had paid the loan off in XX/XX/XXXX. I asked them why I would have paid the amount that I had paid if I did not intend to pay the loan off. They constantly repeated that there is no way of knowing why I paid the amount of {$340.00}. During the course of my phone calls with staff and the manager, no one with the company admitted to any mistake or took any responsibility. The attitude of staff and the manager was not helpful at all. After several phone calls, I was told that I still owed {$130.00}, and that the amount would increase if I did not pay the amount THAT DAY, which I did.

So in essence, my payoff amount was initially misquoted by a company employee ( which is bad enough ), but that employee 's mistake has also cost me an additional {$57.00} in interest and fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an inquiry from Citibank Best Buy hit my credit report. I do not recognize this, as I did not attempt to open a new credit card. I immediately attempted to call Citi, however, for my surprise, my SSN was never recognized by the bots, and therefore, I could never get to a human being to help me with my issue. Note : I am a Citibank customer, I do have one of their credit cards that I've had for over a year now. I tried several different phone numbers to solve the fraudulent inquiry issue ( yes, including the number on the back of my card, obviously ), and none of them worked. By trying to use my account number, they would always give me a different phone number I should call, and the story would repeat itself. Through the chat, in the app, they would tell me to call whatever new number they come up with. 

In other words : If I had an issue with my own card, even something unrelated to the Fraud, I would still be left stranded since apparently, there are no accounts associated with my SSN. I wonder how did they let me open my account in the first palace, and give me a limit of over {$30.00}? 

A few weeks back, I also identified some fraudulent transactions on my credit card, and I was able to dispute them through the app. For my surprise, after I tried reaching out to SEVERAL different people within Citi through email, XXXX and other tools to see if anyone could at least give me an email address I could contact, I started receiving calls from Citi. Initially, I was positively surprised as I thought those were for my Fraud alert. but I was wrong. 

they called me to once again, ask me for all the information about the disputed transactions that I HAD ALREADY PROVIDED THEM WITH. I provided them with all the information once again, and asked for help with my credit report fraud issue. I was bounced around to many different teams, one of them said that they had added my SSN to my current card, the other one said he was able to identify the fraudulent application, but still had to transfer me to the applications department. At the applications department, we're back to XXXX XXXX XXXX she couldn't find any accounts or applications under my SSN. 

I don't know what else to do, who else to contact. If the VPs of Customer Support in Citi does not care about one of their customers having their identity stolen and a criminal using that information to open accounts and compromising the financial life of others, I don't know what else to expect from them. This is truly sad and embarrassing, and I'm afraid what will happen to my credit and financial life as it looks like someone is using my information unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$320.00}
Product: Payday loan, title loan, personal loan, or advance loan

Unfair and Deceptive Business Practices. I am having great difficulties with Mariner finace. I have taken several loans out with them and didnt realize I had a negative mark on my credit report from 2019 until now. They are saying I missed a payment and then refinanced my loan. I have received countless numbers of calls of solicitation from them for added services, new loans, refinance of loans etc. I do remember receiving call back from 2019 about being interested into a refinance option and not having to make a payment for 30-60 days if I refinanced. I did go agree to their verbal offer over the phone and kept things moving. Fast forward now and I have a mark as missing a payment and refinance. Ive attempted to reach out to the company and get told different stories from different people. I was also told that a supervisor would tell me the same thing as the last agent and wouldnt mr put a supervisor on the phone. I was extremely irate at this point. I am a firm believer that Mariner Finance pushed me to refinance my loan and allow a skipped payment only to add hundreds or thousands of dollars to the total cost of repayment. I know there are several states involved in a lawsuit regarding this vary thing. All I am asking is for Mariner Finance to remove the negative late payment mark from 2019 and show payed as agreed and in full / account closed. 

They do not seem to care and are not willing to accept the fact that they called me and offered me the opportunity to skip a payment and refinance. This is an absolute case of scamming customers and I want this to be officially removed immediately from my credit report. I would also like to be added onto any lawsuit against them for unfair business practices. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Equifax & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Product: Vehicle loan or lease

Ally Bank ( Auto ) : I contacted Ally Bank to request a 90day loan extension on my vehicle, The letter is contained herein. I used the Ally Bank internal messaging system to expedite the request and attached the letter as instructed by there system. I returned later to find Ally Bank responded by stating there was not a document attached. Once again, I went through the process of attaching the letter only this time, to receive an error message that the system does not support my document, a simple word doc. As a resolution, I cut and paste the content into the message system, indicated the letter had also been sent via USPS, and attempted to send the message. Instead, I received an alert indicating there was abusive language in the document that had been flagged. Below is the exact contents of the letter : There is no abusive language and clearly no intent to convey any such content. Ally appears to be using this tactic to delay timely requests for extension in order to impose punitive fees as that is the only conclusion I can think of. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XX/XX/XXXX Re : ( 90 Day ) Extension, Account XXXX, XXXX XXXX XXXX, VIN : XXXX Ally Bank ( AUTO ) XXXX. XXXX XXXX XXXX, MN XXXX I am requesting a 90-day extension agreement, effective immediately on the referenced vehicle and account. 

I was laid-off from my XXXX XXXX role, subject to recall, herein attached, and have not yet received a work recall notice. The XXXX XXXX XXXX XXXX had hoped to execute a full recall by the end of XX/XX/XXXX. However, due to a COVID resurgence, the Board has delayed the decision. 

During the interim, I have applied for other full-time positions and am actively under consideration, but to this end have not received a written offer. However, I have received a verbal offer. 

I am asking for the extension to get our feet under us and realize cash flow. Compounding matters, we have not received Kentucky Unemployment now @ 18 weeks in arrears. 

The vehicle is in excellent condition, fully ensured, and parked in a gated community and driven only to keep the battery charged. I intend to retire this debt to Ally upon returning to work as the vehicle value is not only inverted, but the title is deleterious for selling the vehicle. 

I provide you this information so that you may make an informed decision to give the requested extension, allowing me time to pay the account in full without adversely effecting my credit report. 

Please advise at your earliest. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I've disputed info several times, sent documentation and I am tired! Why do we allow these creditors to do this with no actions back ...
Product: Checking or savings account

I have not received my paycheck from Capital One. I have a myriad of bills due/on autopay that will send account into overdraft if not received. This is unacceptable for a bank of this size to not have a disaster and/or business continuity plan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Experians Failure to Conduct Proper Investigations To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported. 

Key Issues : Failure to Conduct a Reasonable Reinvestigation Experian is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Experian has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers. 

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Experians failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete. 

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ( Case XXXX ), Experian has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Experian conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 
Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 
If Experian continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Experian to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My date of birth is XX/XX/XXXX and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, TransUnion, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX is reporting a fraudulent account with XXXX XXXX XXXX is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX TransUnion is reporting XXXX XXXX reporting for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have NEVER been in a XXXX  XXXX store. Never applied for a XXXX XXXX account. But last year I realized there was a XXXX XXXX / XXXX XXXX  account on my credit. AND a Collection company ( Jefferson Capital ) trying to collect on the bad XXXX  XXXX account that I NEVER applied for. 

I've called XXXX  XXXX several times, and they told me that this has happened to MANY people and they promised to fix it. But they only removed the INQUIRY ( see uploaded doc. ) Disputed XXXX  XXXX through the credit bureaus on XXXX, see uploaded letters Disputed the Collections XXXX XXXX XXXX ( for the XXXX XXXX account ) through all 3 bureaus on XXXX. 

The lady I spoke with at XXXX XXXX on XXXX confirmed that this was fraudulent but then ended up hanging up on me. 
This has decreased my scores terribly and I can not buy a house. 

Can you PLEASE help me get XXXX  XXXX AND Jeff Cap off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These names, addresses, and employers are inaccurate and fraudulent. They do not belong to me or associate with me. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : 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

I was contacted by an agency claiming to be called " Direct Recovery Services '' via phone and e-mail. I received a voicemail from this agency with threats of arrest and further legal action if I did not contact the agency prior to their deadline. The agency refuses to provide verification of debt via US Mail. 

I also received an e-mail from this agency with their website information ( www.directrecoveryservices.com ). They claim to be a XXXX accredited business. A cross-reference of the XXXX database proved this claim to be false, and I have filed the appropriate complaint with the XXXX. The agency previously operated in the state of New York, using a different website ( directrecovery.org ). Per the XXXX, under the New York address, the agency was issued a cease and desist order for misrepresenting themselves as a XXXX accredited business.
Product: Checking or savings account

Ally Bank - I scheduled a deposit of XXXX from an external credit union to arrive at Ally bank on XXXX  The amount should have been XXXX. Due to my mistake in the withdrawal amount, the transfer failed. Ally notified me on XX/XX/. On XXXX, I immediately moved money from another Ally account into the checking account to cover the missing transferred money. I then called Ally to work through correcting this issue. 

The problem is Ally froze XXXX across 5 accounts making my available balance negative even though I had positive ledger balances in the accounts since I transferred funds immediately to cover the missed deposit. They froze my funds and refused to release the hold until XXXX. I begged, I requested escalation to management and every person refused 100 % to release the holds despite of the fact I had plenty of money in the accounts. I maintain approximately {$20000.00} average across 8 accounts with Ally and Ally shut my account off for 5 days despite having a positive ledger balance.
Product: Money transfer, virtual currency, or money service

I had received a check from a scammer on a pretext of employment stating that they check was for me to buy computers and other electronic hardware. It was a check worth XXXX and I deposited this check to my account on TD bank on XX/XX/2021. 

The funds were made available on Friday XXXX XXXX and the scammer asked me to withdraw {$6300.00} in cash and make a cash deposit to a XXXX XXXX XXXX account of the vendor who provides computers. I proceeded with what he had told. 

Later during the weekend i realized this was a scam and on Monday the check had bounced, I have lodged a police complaint and I have got the report that I was scammed and I was innocent. 

Now the TD bank have frozen my account and claiming that I need to pay {$6300.00}. I have no money and the bank are unwilling to unfreeze my account. 

PS : I also went to XXXX XXXX  XXXX but they were non-coordinating and said once the cash deposit is done nothing can be made to freeze or cancel it.
Product: Credit card

Good morning, I hope this message finds you well. My name is XXXX, and I am writing to request the reopening of my credit card account, which was closed due to circumstances that were beyond my control on XX/XX/2022. 

Last year, during a period of intense personal and professional turmoil, I was the victim of a XXXX XXXX scam that had XXXX repercussions on my financial activities. Not only was I defrauded of XXXX in cryptocurrency in the XXXX prior, but my Wells Fargo XXXX account was also exploited as part of this fraud with XXXX  forcing me to give them access to my debit card so they could deposit checks for which they stated generated profit for me. To my surprise, they disappeared after various attempts to deposit checks into my account and I was left with a letter stating my XXXX account and credit card will be closed by wells fargo. As a responsible account holder, I reported these incidents to the XXXX XXXX and the XXXX XXXX XXXX but was left with no answer.. 

The closure of my XXXX XXXX  account was an unintended consequence of these fraudulent activities, which I believe was an unjust consideration of my circumstances. I have always valued my relationship with Wells Fargo and have endeavored to maintain my accounts in good standing. 

Since then, I have taken extensive measures to secure my financial dealings, including my XXXX XXXX lawyer and setting up a XXXX XXXX in another state to protect my information from them. I am fully committed to restoring my account 's integrity and ensuring such discrepancies do not recur. 

I kindly ask for a review of my case and the opportunity to discuss how we can move forward to reinstate my XXXX XXXX account. Reopening my account would not only help me in my financial recovery but also reinforce the trust I have in Wells Fargo to support its customers during unforeseen and challenging times. 

Thank you for considering my request. I am willing to provide any further information required and am looking forward to the opportunity to discuss this matter at your earliest convenience. You may reach me at the email specified in the complaint # XXXX
Product: Mortgage

I am a Mortgage broker and have been work with a family that owns a home on Hawaiian Home Lands. The own the lease, and have a great need to refinance. Their current rate is 6.74 %. 
XXXX and XXXX XXXX have never been 30 days late in paying their mortgage to XXXX XXXX XXXX since XXXX. However, the mortgage was sold to Penny Mac on XXXX XXXX XXXX. You can see the print out from Penny Mac showing a late fee of {$1100.00}. How can this be late when no notice was served?. Attached are copies of checks of payment for the months of XXXX, XXXX XXXX showing all payment to XXXX XXXX XXXX were paid on time. Once the mortgage was sold to Penny Mac everything went sideways. The first payment to Penny Mac show a last fee of {$1100.00} but was never reported late? Attached is a print out from their account with Penny Mac which shows all their payments. 

A late payment ( greater than 30 days ) was reported on XXXX XXXX. That month the payment increased from {$2900.00} to {$2900.00} without prior notice. In XXXX XXXX, they accidentally paid the old payment of {$2900.00}. However, they paid the difference by the end of the month. How can this be thirty days late? We need your help! My clients have called Penny Mac many times and have had no results. WE want to have the late payment removed from the XXXX credit report ASAP. Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX