23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I feel like Chime financial providing service with XXXX e-commerce company. They are just scamming people out of money. 
I ordered expensive clothes for myself with express delivery, but there was no express delivery. And they sent me just an empty box for $ XXXX. In general, XXXX quickly confirmed that the box was empty. But the company does not accept this. Plus XXXX charge from Chime and XXXX XXXX for the same order. So it is like XXXX . Is it a new scam? 
People do not buy from XXXX, go to XXXX XXXX XXXX and do shopping in person. 
I don't know what to do now.
Product: Checking or savings account

I filed a complaint with CFPB against CITBANK in regards to wire fraud on my account. Money was stolen from my checking and savings account. I did all the necessary steps to notify the bank of the money being stolen but the bank failed to act in a timely manner which caused the funds to unrecoverable. 
Citibank responded to the CFPB complaint advising they reviewed the complaint and were closing it by issuing monetary relief to reimburse me for the money stolen. 
I have tried to call the bank to obtain the funds so that I can close my account and each time I call nobody knows what I am talking about. I can't even get them to release my direct deposit from the IRS or My Payroll that were sent there after the hold was placed.

I even called the number on the Citibank letter and no one can even answer my questions and act as if they don't know what I am talking about.

I am still unable to obtain funds that were deposited and unable to receive the reimbursement that was promised by Citi Executive Response Team. 
I would like to receive my money and close all my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Product: Debt collection

I rented apartment XXXX. when we checked in carpet had burn marks. they promised to change later but never did. this is noted in check in and checkout sheet. After giving key I requested manager to check if everything is ok. he said everything is ok and I will not be charged any thing. This company did n't gave my deposit back, instead they sent a bill for XXXX i called and sent later they never responded. after 2 year a collection agency sent a later. I replied again that I do n't owe anything and I have a proof. they never verified and reported credit agency. this company does this with almost all tenants.they never gave deposit back or never discuss issue. someone need to check this companies record. is any govt. agency can help against this daytime robbery?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card Limite is {$5100.00} XXXX Have never used this card at all. but I have received a bill of {$5400.00} on XX/XX/XXXX. 
I filed a dispute with the bank. 
Bank sent a letter said that this account has been closed to avoid any future problems. they also said they will notify all 3 credit bureaus. but this issue still on my credit report.
Product: Mortgage

I have been unable to access the online portal for months now and the app is also barely functional to make payments. I have no access to online statements or loan info.
Product: Vehicle loan or lease

XXXX Or XX/XX/2018 I Filed Bankruptcy And Credit Acceptance Is In My Bankruptcy And Both Cases Is Closed But Why I'm Still Making Payments? I Tried Talking To Credit Acceptance (  XXXX ) But No Results. Before I Forget My Vehicle Was Repo And I Paid Over Twenty Four Hundred, And They Keep Adding Interest While It's Paid OFF Where Is My BILL OF SALE.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by me XXXXXXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I monitored my credit report for more than 4 years and have worked hard to repair my credit. On XX/XX/year> I got an alert that I have a collection on my report. I contacted the number on there and they keep sending me to the collection agency. I tried to ask for information and why havent I received anything about this debt and they keep sending me to the collection agency. I have paid and settled all my debts years ago and managed to maintain it for home purchase. All of the sudden I have a collection and it dropped my credit score down drastically. The collection company is Jefferson Capital for {$2400.00} and it was sold or reported to them XX/XX/year> and thats all I got from them
Product: Credit card

I did not authorize for my information to be sold to collection companies according too 15 U.S. Code 1681n Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; This is about the inaccuracy that is inqeuitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2024. Due to this Inaccuracy, my right to extend credit had been damaged to a great extent. As a result I was discriminated against and refused the following. 

I was denied a XXXX XXXX with XXXX XXXX. 

According to 15 USC 1681 ( a ) ( 3 #, Consumer reporting agencies have assumed a vital role in Assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent To this report being furnished by you on my behalf and I am also aware Of the fact that your organization assumed a vital role. As a result, My livelihood Has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. 
There, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also provide us with the details of the systems adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result I hereby demand to do the following. 

Give me the credit that's my right. 

Thank you for your cooperation. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I was alerted by a credit union that my Discover card was closed. This is the second time they have messed up my credit by just closing my account. I spoke with XXXX who just said they will call me back and that I spoke with someone about sending a 4506. I never spoke with anyone at Discover prior to her and all she could say was I needed a 4506 verification for a card I have been using which sounds like some mess they do when they want to mess up your credit because I have tons of credit cards and this has never happened. Well over XXXX in credit. I need my credit score returned to what it was and I need something done about my cash back money they kept. Im appalled at their lack of professionalism!
Product: Student loan

Hi, I've worked for a XXXX agency that is part of student loan forgiveness. 
I've applied for PSLF and TEPSLF and have been denied despite my 10+ years of service and more than 120 payments. They ( fedloan ) are saying that I have payments " out of window '' or over the amount needed and therefor do not count for PSLF/TEPSLF I've submitted paper work to fedloan several times showing that I've worked for the 10+ years and I have 89 payments ineligible under PSLF and 116 under TEPSLF. This ineligible amount varies as the loan is split up into micro loans, it used to be one now its split up into twenty plus loans ranging in value. When contacting fedloan I try to get help but I ask a lot of questions ; and the agent gives up on me and eventually hangs up which leaves me no where after being on the phone for hours. I did get some information that my service has flipped hands many times. It went from XXXX XXXX XXXX, to XXXX, to XXXX, to FedLoan. Who knows what was lost in those transactions between services. I'm trying to get FedLoan to work with me on this issue to no avail after many attempts to have them " review '' my account they tell me to call back in 60 days only to have no record of these actions under a fake case number that was given over the phone. This has happened to me three times now no reviews have been done about these pending missing payments that show on fedloan side. I've tried to work with other agents via fedloan to figure out the missing payments and the math doesn't add up to why I haven't been granted TEPSLF. Any help is greatly appreciated. 

Much obliged,
Product: Credit reporting or other personal consumer reports

This is sort of a complicated touchy situation because it all began in XXXX  when Equifax leaked my personal info online. The IRS had confirmed I am indeed a victim and so many things have happened because of it. First of all my life has been ruined by them in many ways. I had an online bank called a XXXX XXXX and I think was an inside job. One day I noticed I couldnt get into my account with the correct credentials so I chose to reset my password but I never would receive the reset code phone or email. I called the number on the back of my card and three hours out of frustration I gave up and hung up no answer. I tried this for about six months and finally XXXX answered they bought out XXXX. They gave me back access after hours of aggravated heated conversation. Thats when I seen my personal information email phone and password changed to information I did not know and I should have documented it because soon as I said something to the representative they hung up and closed my account before documenting it all. They blamed me for this and so did XXXX XXXX because the hacker used my XXXX XXXX also. My phone XXXX  card was taken over and they had access to everything. They used my debit card to funnel all my lifes savings into XXXX XXXX then bought XXXX  inside XXXX XXXX then sent the XXXX to an out wallet each transaction to a different XXXX wallet which were all emptied into a wallet each had in common and this wallet was huge in the billions and labeled scam fraud etc etc. XXXX XXXX  also did away with the evidence closing my account and locking me out. I attempted to contact many places with no one wanting to help me at all. Equifax denied it despite the class action law suit against them and me telling them about it they refused to help my situation. I am trying to fix my credit but am unable to. I am a XXXX veteran and dont deserve this because now I am being discriminated against and absolutely can not get a bank account anywhere. I am XXXX XXXX XXXX I lost everything in life living with my parents living a life of absolute hardship and disparity. I tried to XXXX XXXX XXXX times and my XXXX XXXX hacked harassed black mailed threatens and XXXX XXXX for a year and a half. Locking me out my phone l redirected all called and messages jumbling up my apps where I did not know which was which n taking pics of me with my camera listening to me with my mic the list goes on and on. I attempted to report all this to out XXXX law enforcement here they laughed at me and said its my fault operator error. I received XXXX XXXX reports that still had hacker information on it. I at my wits in and but the military teaches us to never give up and im not. The bank allowed my account to be compromised and they breaking the law then and now not allowing me to have a checking account. Ive been denied by every single bank known or given an account only to deny me after I get my debit card. There was fraudulent activity on my accounts banks and credit cards take in my name and even the IRS confirmed XXXX  XXXX  & XXXX taxes filed in my name I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to request the removal of an unauthorized credit report account from my credit report. I noticed the unauthorized account listed below after receiving a copy of my credit report from your bureau. Attached are the companies names and dates.

I have contacted Transunion and requested that they remove the account from my credit report as it was unauthorized. The account was deleted. I checked my report again and noticed the account was readded. I did not receive a letter from Transunion stating they would add this account back to my report.

Under code 15 USC 1681 b permissible purpose. It is illegal for companies and credit bureaus to report on my report if I didnt provide written consent to the bureaus to report anything or to continue reporting. This is identity theft.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
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 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies Equifax and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make 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. '' There are several adverse items within the reports furnished by Equifax and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.
Product: Mortgage

I feel i was discriminated against during my process of buying a house. 
I started the process back in XXXX of XXXX and finally culminated with a denial in XXXX of XXXX. 
During the process I was given plenty of hurdles to jump through, which is normal in the home buying process, and I successfully managed every hurdle i was given. 
I provided every bit of paperwork and documentation that was asked for. The mortgage company did not accept all of my documents for an unknown reason. 
They had an issue with my earnest money and the way it was sent to them. 
They made me send in my closing cost and down payment before funding for my loan was secured. I have never heard of a company doing that before. 
I was given a closing date and bought a ticket to fly out to sign documents for my home and that did not happen. I paid for an appraisal and Termite inspection. Roughly {$1300.00} in total. 
My credit was pulled too many times by the mortgage company causing my credit score to drop almost 100 points. I have had so much trouble trying to get my score up again to try to buy another home. 
I was told by the manager of the Mortgage company that I would be ok and the issue would be resolved but that was not the case. They were just stringing me along in order to find something to get my loan denied. 
When my closing date came and went i tried to get financing through another company and that's when the First mortgage company hit me with a denial letter.
Product: Credit reporting

I am having another issue with TransUnion keeping my files accurate. Now they have my currect address incorrectly reported as my previous address. What can be done to make sure that my profile information stay updated. If they can not keep consumers information correct then this company needs to be changed and stop handling information for consumers. 
My Current Address is XXXX XXXX XXXX, XXXX, LA XXXX and not XXXX XXXX XXXX, XXXX, LA XXXX. 
I have lived in XXXX, LA since 2012.
Product: Bank account or service

Business account with Sun trust linked to credit card was placed in overdraft status due to problem with credit card syst em Being offline. 

As a result My account was charged over {$700.00} in overdraft fees.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX. This account has violated my consumer right to privacy and confidentiality based of the Fair Credit Reporting act. under 15 USC 1681. 
Account name : XXXX with account number XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-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: Checking or savings account

XX/XX/20 - Made a XXXX payment to a cryptocurrency broker ( XXXX  ). Transaction was completed from my end however the deposit never made it into my bitcoin wallet. They have been adamant in their refusal to aid me in recovering these funds which may likely be sitting in a random bitcoin wallet that I do not have access to. I provided the correct wallet information and they will not explain why it was sent somewhere else. 

Further, after reaching out to my bank to ask for a refund or help with resolving this issue they have refused to be helpful and have strung me along for nearly 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s-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. 


After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both XXXX XXXX and the ChexSystems asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. 

Thank you, XXXX XXXX
Product: Checking or savings account

i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this
Product: Debt collection

Found collection credit report, I disputed it but they said the debt was valid after I claim ID fraud they didnt send anything to prove it was me
Product: Credit card or prepaid card

This is a continuation of : XXXX I heard from the president 's office, this took another 4 calls with them to fix and I finally got my check for {$71.00}. A nice woman called and asked if I wanted to close my account and I did not call her back as I had 1 ) moved to a new home and my time was a bit scattered and 2 ) I changed jobs and was also onboarding. I received another bill from Barclays for {$4.00} for an XXXX ride in XX/XX/2022. Once again, this is not my charge. Barclays had allowed someone to run up XXXX rides on a card that was 1 ) expired and 2 ) had never been activated. I am so truly disgusted with this company. I do not know how any credit card that is 2 months expired or has never been activated and was in my home could be stolen. I also don't know how they can tell me everything has been solved and I can close my account and then send me another bill. 

I called the office of the president directly when I received the most recent bill and they have not called me back. It's been over a week.