23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2021 i called City National Bank of Florida, telling them that i did not recognize a charge for XXXX $ on my Bank Statement. At that moment, i spent 40 minutes with a person on the line with him asking me a million questions, which i gladly answered. When all this was over, he confirmed it was a fraud as the charge showed in Oregon and i reside in XXXX, Florida. He then confirmed that i would be issued a new card and that i would be credited the XXXX $ to my account. 

3 months later the card never arrived and nothing was credited to my account. I then called again, went through the same procedure to which they then said the same thing. The funds were supposed to be credited to my account and a new card would be sent my way. To this day, none of this has happened. It is embarrassing and infuriating to see how these banks dismiss peoples needs. I have my business accounts with them and keep extremely high average ledger balances and not even that gives me the leverage for them to solve a ridiculous dispute of this nature. 

Now, they've sent me a letter saying that due to the nature of my dispute, the transaction needs to be disputed directly with the merchant. I DID NOT AUTHORIZE THE CHARGE!!!! 

Please help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I have marked XXXX XXXX  and XXXX XXXX XXXX as inaccurate.
Product: Debt collection

TRANSWORLD SYSEM/XXXX # XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with both Harley Davidson Financial Services and XXXX. There is a lawsuit against Harley Davidson. The details can be found at  XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to Harley Davidson Financial services and XXXX  outlining the way the credit report was inaccurate. On XXXX, I sent proof the HDFS that the account was disputed successfully by my attorney to HD 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

HDFS replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to XXXX, so the account could be removed from my credit report. XXXX  finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Wells Fargo has denied me check deposits,, had overdrafting fees for transactions I did not know of. My information traveled to a third party in XXXX. I also became a victim of identity theft because someone else opened an Wells Fargo account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

applied for unemployment on XXXX but never received us bank reliacard in the mail .I have called multiple times & told my card is on the way. 1st call I was told to wait to see if they get the card returned by mail to call back 7 to 10 days. 2nd time told address was updated & they will send new card. 3rd time address was never updated & card was never sent was told to call back in 5 days to verify my address. 4th time i called to find out a replacement card still has not been sent. been told 3 times a new card will be issued & sent out to find out that it was not ever sent at all.
Product: Mortgage

My mortgage used to be with XXXX. They sold it to Rushmore Loan Management Services last XXXX. I received a letter from Rushmore in XXXX or XXXX saying they needed proof of current hazard insurance. I received another letter from them in XXXX saying they needed the proof or they were going to buy insurance and charge me for it. I got the proof from my home owners association and submitted it online. I received an email saying it had been accepted. Two days ago, XX/XX/XXXX, I got a final notice letter from them saying they've already bought the insurance and I have to pay them for it. How is it a final notice if they've already bought the insurance? I called them yesterday and was told that what I submitted online was not sufficient. They want my unit number on the master policy. I tried to explain to the woman I spoke to that it's a master policy, it covers every unit in the complex. That didn't work. So I'm having to jump through hoops with my associations insurance broker to get this taken care of. I think their request is ridiculous and unreasonable. And I think it's a way for them to charge me for insurance I don't need. I feel like I should get an attorney because I can almost guarantee you they're going to want me to pay for their insurance. What a scam. They also wanted my personal homeowners policy. Why do they need that? 

Please read the reviews on XXXX for this company. Clearly there is something very wrong going on there. I shouldn't have to refinance my mortgage loan because of a crooked mortgage company. And I will not pay for their stupid insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haved contaced Equifax XXXX starting on XXXX XXXX 2017 to present regarding I could not pulled my credit report within my product with Equifax. I was transferred to several people within Equifax trying to resolve this matter with my Equifax Product. I pay XXXX per month for this product and appears since the breach I have not been able to get into my product to get this most out of it. No one has contacted me back regarding this matter at this time. I have removed the security freeze in which Equifax Resolution dept said that was not allowing me to pull my equifax report, but after removing the freeze I still can not get my report from Equifax. I am very tired to calling and being passed to several people that really dont understand what is going on for resolution.I was given these conformation numbers : XXXX, XXXX, XXXX, XXXX and XXXX and still no help with my Equifax product. My contact info is XXXX home or cell XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XXXX of 2023, I disputed the accuracy of the credit reporting being done by Sallie Mae onto my credit profile. This request was done directly to Sallie Mae vi certified mail. On XX/XX/2023, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three bureaus.
Product: Mortgage

As I was searching for mortgage options, I discovered XXXX, which is managed by Supreme Lending. After being contacted by XXXX XXXX out of Colorado, we talked and he told me that I would qualify for a home mortgage of up to {$150000.00}. The biggest question was " after deferment, how much would your student loan payment be? '' After getting the estimate from the generator on studentloans.gov, i gave him the approximate and he said it would be fine and I was credit worthy. Excitedly, I shopped around and found a house for {$130000.00} ( well below his recommended. After contacting him, he consistently told me he 'd get back to me to get more information, and often did not reach me for a week. After finally getting ahold off him, he asked for the student loan information and the number given after getting this years AGI was less than projected, which is good. However, he did not explain that since the loan was in deferment that they will count 1 % of the loan, which is substantial. He did not clarify this two months earlier when we were talking about this. After trying to talk to him and suggesting I just consolidate the loan, he just stated that I gave him wrong information and that he does n't get paid on loans he ca n't close and that I should find a bank in the area that will due it in a month. We were already discussing repairs and now I am out my earnest money because he does not communicate. Thanks Supreme Lending!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I requested my information to be deleted and opted out in accordance to CCPA California consumer privacy act. Additionally, I also requested a data freeze. The Work Number : XXXX XXXX XXXX. However, this company has continued to share my information to agencies who are requesting my information from them without my permission, even though I requested a freeze and to opt out and to be deleted in XX/XX/2021. I have never permitted anyone access to the work number.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOANS WAS FINALLY DISCHARGED IN XXXX RELATED TO ALL XXXX SCHOOLS AS XXXX COLLEG/UNIVERSITY WAS ONE OF THEM. I WANT TO MAKE SURE XXXX REMOVED THE DEBT OFF MY CREDIT REPORT, AND THE SAME ORDEAL WITH XXXX AS WELL AS XXXX IF THEY HAVE NOT ALREADY DONE THAT ALREADY. 

DEPT OF ED / XXXX Reported : XXXX. XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX  Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX/NAVIENT Reported : XXXX XXXX, 2016 + {$0.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/2021 {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/2021 {$77.00} Original creditor : XXXX XXXX XXXX XXXX There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingRe-inserted without notification, F.C.R.A. violation. I want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Money transfer, virtual currency, or money service

My account with cashapp was breached and my money was stolen despite the fact that i notified their team of suspicious activity and took steps such as changing my ohone number, email and other personal information so that they wouldnt be able to access my account again. Despite this, less than 24 hours later my account was breached again and they took all of my money.

The only information they have been able to give me to this point was that they were looking into and that i need to wait. 
They refused to connect me with anyone who can gibe me any actual information pertinent to the investigation claiming that they dont have phones that a call can be transferred to or that i would just be receiving the same answer. 
On top of this my money was deposited into an acxount held by XXXX XXXX  which, from what i can tell, is not an actual bank that regular people are able to open accounts with which leads me to believe that someone within their company/organization are responsible for this.
Product: Credit card

I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was added to my XXXX  credit report on XX/XX/XXXX. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue. 
Update : I spoke to XXXX XXXX, Office of the Chairman, at Citizens Bank on XX/XX/XXXX.  She said she needed to obtain a copy of my credit report in order to further investigate this inquiry. I was going to send my credit report, but realized that this is not my responsibility to provide my report to a company who fraudulently pulled it in the first place.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a fraud alert was sent in to all 3 credit reporting agencies and XXXX and XXXX complied but Experian did not and my file and credit is still at risk and Experian has not deleted reported fraud accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that you are require to correct the accounts which are opened without my knowledge, consent or authority. I want you to investigate these following accounts as soon as possible. These are the following accounts that are needs to be corrected : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1700.00}.
Product: Checking or savings account

Citibank closed my newly-opened personal checking account for no reason and is withholding more than {$5000.00} of my money that I had put in the account. I am in severe financial hardship because of this. I am unable to pay my rent because my money is locked up in this account, and they will not release my money. I visited XXXX branches and called numerous numbers- to no avail. I just need the ability to withdraw my funds from my now-closed checking account.
Product: Mortgage

I received a response that doesnt answer my complaint. They are telling the truth I was promised the repayment will not affect my credit score, they lied. I want them to jorobe their word. All the agreements were verbally made and they refused to listen to the conversations. They just dont care. If I knew the repayment will affect my credit I would have chosen a very different route their unethical behavior is affecting many people they dont stand behind their employees, the fact they are not properly trained is not the consiners fault. I just want sereterus to stand by their word, they are legally committed to what they said.
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit report that I do not recognize. I have already filed a complaint regarding this issue, but it has yet to be resolved. The inquiries are dated XX/XX/year>, and XX/XX/year>. 

I have contacted XXXX XXXX about this matter, but their response has been inadequate. I expect prompt attention to this issue and a resolution as soon as possible.