23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX charged through XXXX a balance transfer of {$10000.00} to my mother 's citibank credit card. They also charged on both my father 's XXXX and Citi card as well but I am focusing on mother 's card in this report. I reported the fraud to Citibank and they denied the dispute. They sent me to the Dispute department who also denied my report. 
In XX/XX/XXXX I also reported the problem to the FTC, VT Attorney General 's Office, Vt State Police and the XXXX XXXX XXXX. In XX/XX/XXXX I learned that the FTC tried XXXX XXXX XXXX XXXX Case number FTC Matter/File Number:XXXX XXXX I have reported the XXXX charges again to Citibank and we heard nothing from the company for months i.e. no cc statements were sent to my parents for a period of time and the fraudulent charges and interest continued to grow. My mother just received a letter from Citi dated XX/XX/XXXX stating her balance of XXXX was sold to XXXX XXXX XXXX XXXX c/o XXXX XXXX @ XXXX XXXX XXXX XXXX, SC XXXX XXXX. So basically Citibank denied/ignored that the FTC tried XXXX and that it is documented as a fraudulent company.They then sold a bogus debt ( dollar amount ) to the debt collector. My fear is that this has gone on with CITI for 3 years and now my parents will be harassed by this debt collection company.
Product: Checking or savings account

This is a follow-up to a previous complaint. My absolute nightmare of an experience with Citi, has continued on, for XXXX months. 

After what seems like hundreds of attempts to get through to Citi, Im still unable to access a savings account, that was opened with the company in late-XXXX. 

The account was flagged in earlyXXXX, with possible fraudulent activity. The account then became inaccessible. After weeks and weeks of calls to customer service, online attempts, and even this method the company simply wont allow me to access the account. Multiple attempts to verify myself with customer service, have gone unsuccessful. Despite providing name, social security, ATM card #, Im denied access for not knowing account number ( how could I? I cant access the account ) or a security word or phrase ( which I have no recollection of setting up ). The representatives are less than helpful, and frankly are not very good at speaking XXXX. 

So, Ive been left to try to access the account through ATM card. Problem is, by the time issue was resolved on Citis end, and the PIN was arriving for original card ( several weeks later ), the card had been deactivated by Citi. Then, they send correspondence telling me the account is being closed. I think, great! Now I can be done with this company.

The next day, receive another letter just kidding, the account isnt closing. Later, Im sent a second ATM card. But, now, its been over a month, and the PIN hasnt been sent. 

I have been stuck in limbo with {$6000.00} dollars for over two months. I simply want this ACCOUNT CLOSED. I WANT NOTHING ELSE TO DO WITH THIS TERRIBLE COMPANY. I just want my money back. Is that so much to ask? I am BEGGING for help, here.
Product: Payday loan, title loan, or personal loan

I am currently injured and awaiting XXXX for a workers compensation injury and have an EXTREMELY FIXED income and get credit report notifications daily via email and text messages. I woke up to both alerts of a XXXX XXXX  XXXX XXXX drop XX/XX/XXXX. 2023 at XXXX XXXX. I immediately contacted Speedy Cash on XXXX XXXX XXXX ( closest proximity to my address ) and they directed me to file these statements. I had previously applied for a loan to bail my son out of XXXX however was denied due to my low income level, So how was I supposedly approved 3 weeks later and XXXX XXXX were ever received in my financial institution? Speedy cash was not informative nor told me what account nor any information regarding this XXXX I supposedly received. My workers comp checks are XXXXXXXX XXXX weekly and I live under the line of XXXX! Please help me in this matter!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate. and false information consists of a a person XXXX XXXX XXXX XXXX  opened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX XXXX XXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recoanize the atorementioned accounts. collections. or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have disputed a XXXX credit card about XXXX to XXXX time with experian and XXXX I have also informed them that this account does not belongs to me. and got no place now XXXX is now reporting that the account is paid as agreed I dusputed once again asking them to investigate the account that I have no knowledge in what so ever also asked them to provide proof of who is making payments on this account but once again they both replied back to me as the account belongs to me. I mean in all fairness experian and XXXX should be able to provide me whatever result that XXXX provided them which to verify this account! I have file a complaint with the office of comptroller of currency on XXXX. I feel if the credit reporting company have said that they have investigated this they should be able to provide what type documents was use to verify this account in this case in which i have asked both reporting agencies at the start of their investigation was to provide me proof of any cashed checks, money order or whatever method of payments thats been used. both keep replying back that the account was verified and belonging to me. I have asked them verbally and in certified us mail to please send me copies and all I get is a verify as belonging to me. I want answer or my next step with to contact an attorney at law ... ..
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my EXPERIAN credit report supposedly from XXXX as of XX/XX/year>. I don't recall asking for any credits. Not sure where that is coming from. Never received any notification in the mail nor email about it. Someone might be using this. I monitor my credit report every week and I have never seen this before until now. Please have it removed and restore my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have realized that TransUnion has been charging me a subscription for something I did not sign up for. I have spoken with them and they can only tell me i signed up for a subscription, and allowed me to cancel WITHOUT A REFUND. The cause is from one of two things : either I tried to get a *FREE* credit report on XXXX XXXX, 2017 OR i signed up for a FREE " view my fico score '' through my new XXXX XXXX XXXX card 's phone app. The phone app said it was free access to monthly updates about my credit score. they wo n't even tell me on the phone how i *got* this subscription. I never wanted it, and it 's been charging me and i 've received zero information for anything i 've apparently been paying for. In either case, I am sure i am a victim of the issues I found that the CFPB has discovered, mentioned in the article here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ What do I do to get my money back?
Product: Debt collection

I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that Portfolio Recovery Associates provide me with validation of the account they have listed under my social security number that they are reporting to the XXXX credit agencies pursuant to the Fair Debt Collection Practices Act. Due to the inaccuracies in these credit reports I have asked for a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. With all these request they have failed to provide me with any substantial validation which is a violation of the Fair Debt Collection Practice Act.
Product: Credit card or prepaid card

At the beginning of XXXX, I applied online for a Chase XXXX XXXX credit card via a link showing a XXXX bonus miles offer. The offer stated, " XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months your account is open ''. 

My application was approved on XX/XX/XXXX and I spent over {$3000.00} in the first billing period to qualify for the XXXX miles. 

On XX/XX/XXXX, I checked on the status of the bonus miles and found that the introductory email from Chase stated an incorrect offer of XXXX bonus miles and {$100.00} statement credit upon spending {$2000.00} in purchases. 

I contacted Chase customer service to confirm that I was in fact going to receive the XXXX bonus miles for my {$3000.00} in purchases, and they responded via message, " Unfortunately we would not be able to honor your request. The account does not qualify to make any changes to the rewards. We hope that you understand this decision is the same for all cardmembers. '' I contacted Chase customer service again to clarify that I was not seeking to change offers, but to have the correct XXXX miles offer reflected on my account. In other words, I was seeking to correctly receive an offer that I signed up for, not to change from an offer I signed up for to an offer that I did not sign up for. 

Chase customer service was unhelpful, even after I showed them the screenshot of the offer I clicked on ( attached ), and repeatedly stated that my account did not qualify for " changes ''.
Product: Mortgage

I submitted a complaint yesterday, XXXX, against Ocwen Loan Servicing center and I forgot to put important info. in my complaint. It is reference to my property at XXXX XXXX XXXX XXXX Pa. XXXX. The loan number with Ocwen is XXXX. I am the owner of the house, XXXX XXXX XXXX, The last XXXX to my ss # is XXXX. My phone no. is XXXX and Ocwen 's phone number is XXXX. They are not releasing a satisfaction letter to me on the property of which I have a XXXX balance. And they collected thousands of dollars unlawfully from me for approx. 10yrs. from a bankruptcy case that I was discharged from. I have documents from Ocwen stating that the debt was forgiven and charged off, but they continued sending me bills of which I was paying not knowing that that debt was charged off because Ocwen took over the original creditor ( XXXX ) which I did not know. I had XXXX buyers for the house but since the title search came back with a lien, I can not sell the house until it is lifted. I have been fighting with ocwen for months now to resolve this issue and can not get any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My wallet and all my personal information including my drivers license and my social security card were stolen in the year 2003 ( estimate ). I have reported the individual that was using my social security card fraudulently in the state of Georgia. I confirmed this information thru my local Social Security office. There are XXXX delinquent accounts that continue to appear on my credit report and they ( credit report agency ) does not remove it even after I have made several attempts to dispute it. At this time, I would like these XXXX fraudulent accounts to be flagged and/or removed from my credit report. I have tried to obtain information on the original police report that I filed here locally, but there system does not keep track of old police reports. I will have to resubmit a new one. Please advise. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one line of credit, a XXXX 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. XXXX 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on Experian myself, and I have no score. There is a comment on the report for my XXXX 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my XXXX 's credit card will do anything to help my credit. I have tried to call all the available XXXX 's departments I can reach from and was told to write a letter to the XXXX FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The XXXX 's department I spoke to on the phone can only confirm that XXXX 's does report my credit score, but could not confirm if it was being reported properly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, three unauthorized XXXX transactions totaling {$9800.00} occurred. I reported it to Bank of America within one day. The funds were taken fraudulently without my knowledge or consent. The bank investigated and denied my claim. They said I had to prove the fraud, in violation of the Electronic Funds Transfer Act, Regulation E. I subsequently sent a Demand Letter to the bank manager with no response.
Product: Student loan

In order to make payment arrangements for my past due student loans, I set up up an arrangement with Discover Student Loans to make 3 payments on each of my accounts amd once the payments are made the accounts would return current. The payments were setup for XXXX amd XX/XX/30 on XX/XX/XXXX. The payments were withdrawn from my account on for XXXX. Yet in XXXX I received notification that my loan was charged off. I was told if I made the payment by the end of the month in XXXX the loans would not be charged off but the loan was still charged off in error. Now my credit report is showing a charge off and a derogatory mark. The payments were set up for XXXX and XXXX.
Product: Debt collection

In XX/XX/XXXX, we lost our home to foreclosure. The home was sold for the debt and it was paid. There was a second mortgage of XXXX that was written off and we paid federal taxes on this as income in XX/XX/XXXX. Ditech has been sending letters to my husband about this for years, attempting to collect, but the case was closed. Now, they are sending letters to me, and my name was never on this loan. Please make this company stop sending these bogus letters. We have contacted them repeatedly to no avail.
Product: Student loan

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX NAVIENT Acc # XXXX I have not time to be on the phone all the times answering collector questions, or reading every-day collector letters. I paid once, half of my student loan debt before gets unemployed years ago. Recently I paid, completely, an Amount Agreement after my 2016 Annual Tax Benefits gets freezed-and-collected by Collector Company.  ONCE AGAIN : I paid recently in full {$53.00} in 9 months : {$470.00} total amount, and that Collector Company Sold my debt to NAVIENT!!! Do I have to understand that my debt can be share-sale from one Collector to other Collectors FOR EVER?
Product: Credit card or prepaid card

Hi Someone ordered TV from XXXX using my chase freedom credit card for {$440.00}. I was working that day ( XXXX XX/XX/2019 ) and I received email that XXXX order is ready to pick up and than few minutes later about thanks for picking up the order. I looked in my XXXX app and was surprised someone ordered & picked up TV. I called chase bank right away and they acknowledged that it is Fraud and credited me the amount. However on XX/XX/XXXX they put the charge back stating that it was done from my XXXX account and I have history with the same merchant ( someone bought TV 2 years ago from my XXXX account in Texas, new card was sent to me than and I changed my XXXX password ) so it is not a Fraud and is a dispute. I called XXXX and they state it is a chase card issue, Chase says it is out of there hands, talk to XXXX. I feel like consumer is being hassled in this and no one wants to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax closed Ticket XXXX today and have done nothing but attempt to blame me for my account not having a freeze on it, when the fact is they still are unable to fix the account and allow me to freeze and unfreeze on my own. 
Equfax has ignored ticket XXXX, which is my report of their illegal activity with respect to putting a freeze on my account when ticket XXXX specifically stated not to do that and the reason was given. 
Equifax has chosen to respond to ticket XXXX with a simple " we need more time. '' Time is up. 
Since Equifax broke the law when they put a freeze on my account after being told specifically NOT to do that, what is my recourse against this company?
Product: Mortgage

I submitted application for loan with USAA bank. I provided all documents required. 

I received a verbal notice stating the loan was denied because I received a raise in pay. I stating that is logical -- I can afford the home and so I applied for the loan.. I have never heard of denying a loan because of my income.
Product: Credit card or prepaid card

Disputed multiple transactions to Goldman Sachs and they didnt even take a look at my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 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
Product: Checking or savings account

CitiBank , N.A . is creating false and fraudulent XXXX form ( XXXX ) against my saving account which was opened on/around XX/XX/XXXX and closed on/around XX/XX/XXXX. I have opened the saving account with the promise of " competitive '' interest rate, but turned out to be the lowest interest rate, during that period I was given {$4.00} as interest but was surprised that I was sent XXXX form for {$190.00}. I have called the number given on the formXXXX, on XX/XX/XXXX at XXXX MST and spoke to XXXX  and XXXX, XXXX looked up my account and agreed I only received {$4.00} in interest and he submitted a request to correct the 1099 form sent to reflect this amount and I should be getting the corrected form in XXXX business days. I didn't receive the correction as of today and called again on XX/XX/XXXX and this time the reps XXXX from XXXX call center and XXXX and XXXX from XXXX call center requested my account number or ATM number to access my account. I explained that I don't have it since once I closed my account, Citi cancelled my online access and I had to create new ID and pwd to be able to view my credit cards. Citi never sent me ATM Card nor statement in order for me to have the requested info, I gave the last 4 digits of my account and ATM that were sent in emails promo ( XXXX and XXXX respectively ) and also gave the ref above that was sent on the form as my unique identification but still they refused to look my account using my Social security as they did on XX/XX/XXXX. I never recieved any interest from Citi Bank in that amount and Citi has caused me to pay extra taxes due to wrong interest and pushing me to new Tax brackets. 
I think Citi is trying to avoid paying taxes by issuing these fraudulent forms to their customers and should be investigated. I have the records to prove the original deposit amount, interest paid and final check after closing the account and can be provided upon request.
Product: Credit reporting

There is missing information not on my credit report and i have a right to have my credit correctly reported on my credit report. Trans union has done a great job on cleaning up my credit report i just need these items reported correctly in order to offset the fraud that happened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting information on my consumer report, that I did not give consent to report. According to 15 USC 1681b-PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to