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

THIS IS NOT A DUPLICATE I was helping my client verify her XXXX as she was asked my someone from XXXX the number she called was on her tv screen? her and I share XXXX so I agreed to help her assuming it was as XXXX member! As you can see on the XXXX and XXXX XXXX attempts it says verification limit for the same amount that was attempted to be taken from XXXX and XXXX, then eventually taken from XXXX from me! They did try other amounts as well! They hacked my phone by asking me to download XXXX XXXX XXXX ( which Ive also shown in the picture uploads on 4-6 ) and got into my bank account and took all my money from XXXX, which I had never used before! I have proof of calls from her phone and mine! 
Her and I have the same phone company and same bank! 
I have copies of everything that happened on XXXX. 
My client I was trying to help was also scammed on XXXX XXXX, but was given her {$800.00} back on XXXX, the same day they took mine from my bank app! 
They tried XXXX, XXXX XXXX and finally was able to access my Bank of America app and there whats where they took my {$1300.00}! 
I did not send {$1300.00} willingly to these people! {$1200.00} to be exact! 
But as I stated my client that drug me into this was given her money back! And I was not! 
I have phone records from my clients account and mine on the same day, same numbers that were the scammers! 
Later I found out my client was being threatened by these scammers to contact someone else to get her {$800.00} back, so she called me and multiple others which I also have proof of! Also I added the text from her and I that day where she was frantically asking me to answer these calls! All along she knew they were trying to scan her! But I did not! I was only trying to help her VERIFY her XXXX! 
This was not legal or right at all! This was fraud and unacceptable! Please help me get my money back! Im a single mom and 2 months behind on rent due to this. Anyone can look at my account and see this is not normal! And Ive been struggling since! These scammers took everything I had! Please reconsider my claim! Thank you! 
XXXX XXXX XXXX XXXX
Product: Debt collection

ORIGINAL COMPLAINT TO BBB This company is reporting as a NEW debit on my credit report. I received a letter dated XXXX XXXX 2021 stating that I owed XXXX to an original creditor for a loan. It said I needed to reply by XX/XX/XXXX2021. On XXXX XXXX 2021 the same date of the letter they reported to the credit bureau that I had a NEW debt to them ( XXXX ) for a past due loan same amount and information. It has a status update of XX/XX/XXXX it says I am 30 days late as if I made a agreement with XXXX XXXX XXXX. Which I did not. Not only did they not give me a chance to reply to the letter they reported it on the same exact date as a new debt to the credit bureau. I have only had one letter stated above and no other type of contact by this company and they reported a 30 day late. It was also updated with the bureau on XX/XX/XXXX. 2021. I did not sign/agree or speak with XXXX XXXX XXXX in any form. Supposed acct # with ( XXXX ) XXXX XXXX responded to the complaint with the BETTER BUSINESS BUREAU and said they after review they would delete the account and remove the information from the credit bureau. However what they did on the same day the said they would delete the Information they reported it to another credit bureau. I do have a copy of the reply if needed.
Product: Credit card or prepaid card

Regions sent me a mailer offering a {$300.00} bonus for opening a credit card and spending {$2000.00}. I tried to use the code, and it didn't work. I went into a branch, where branch manager XXXX XXXX told me that, despite it being almost an hour until the branch closed, with 3 other bankers and ZERO other customers in the bank other than myself, that no one could help me ( even though the mailer said to go to a bank ), that they didn't have enough time to open a credit card ( we had more than 45 minutes ), and said that I had to call the number on the card to be helped. I called the number on the card and was placed on hold multiple times before giving up after over an hour as it seemed the company had shut down because it was past XXXX. 

I tried again a few days later, and was put on hold multiple times before allegedly being allowed to apply for the card, even though I was preapproved and they ran my credit ( hurting my credit score ).
Product: Debt collection

I have paid {$100.00} per month after setting up a payment plan since I finally heard from Ability Recovery. In total I have paid {$300.00} to date. The original creditor was XXXX XXXX XXXX XXXX XXXX. I was in the process of moving and received no notification of not only my right to dispute, but even that there was a debt. I found out about it pulling my credit report to find why my score had dropped. 

The reason for not knowing there was a debt was that I had confirmed with the hospital my debt had been cleared due to income. As far as I had been told, I had no outstanding debt.
Product: Checking or savings account

Citi Bank on XXXX XXXX XXXX, XXXX, CA XXXX offered {$700.00} bonus for opening Citi Business Checking and depositing {$25000.00}. See attached flyer. I have met all required qualifications and confirmed with the banker XXXX XXXX to keep a balance of minimum {$5000.00} until the bonus is paid. The bonus was due by the end of XX/XX/2023. I have called and left messages and sent emails to XXXX XXXX, but she has not returned my phone call or emails. I called the branch and left numerous messages for someone to call me back if XXXX is no longer with the company. No one has returned my call. I called the customer service line, and they too tried to contact the branch and no success getting a hold of anyone. I was told by the customer service that only the branch who offered the bonus can open an investigation. My last contact to Citi was XX/XX/2023. I haven't heard back from anyone. This is the second time that the Citi Bank XXXX CA XXXX not paying the bonus as agreed and within the timeline they agreed to pay.
Product: Checking or savings account

My account was closed without me knowing and Wells Fargo also took money from my account and then said that it was fraud and it was not true I worked hard for my money to provide for my XXXX children
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

This account is fraudulent, and I believe it was opened without my knowledge or consent. I have taken the necessary steps to report this fraud to the appropriate authorities and have filed an identity theft report. A copy of the identity theft report is enclosed for your reference. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.


15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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: Credit card or prepaid card

On XX/XX/XXXX I applied for a DISCOVER IT CASH BACK CREDIT CARD through the website for Discover.com of the Discover credit card company to pay for my tuition. The company advertised a 0 % introductory APR for 18 months on purchases and balance transfers, an ad which remains on the company website till this day XX/XX/XXXX when I file the complaint. I was reviewing my most recent credit card statement when I observed the 0 % introductory APR period only lasts through XX/XX/XXXX. 
I immediately placed a call to the Discover customer service number ( XXXX ) available through the company 's mobile app. The first representative I spoke with mumbled some words I could not discern during the call and I assume hung up on me. The second representative told me there wasn't anything she could do for me and I asked to speak to a supervisor. She transferred me to a supervisor who mentioned that there wasn't anything she could to for me either that the system offered me what it offered me despite an ad which detailed 0 % introductory APR for 18 months on purchases and balance transfers. She then proceeded to ask me to open another credit card and maybe I can transfer the balance to a new Discover credit card.
Product: Vehicle loan or lease

XXXX XXXX XXXX in XXXX, XXXX adding on a XXXX Commercial GAP insurance for {$850.00} and XXXX Vehicle Service Contract for {$3300.00} to customers invoices without asking if they would like to purchase these services or state that they are optional. They commingle the paperwork for these optional services with required paperwork for the vehicle purchase. There position is that they have all of the paperwork signed to support the services sold. I explained to them that if the obtained these signatures in an improper manner by not asking a customer if they would liked to purchase optional services, this is fraud. Additionally, the GAP waiver is a sham product that flew people would purchase if specifically asked. If in spirt, it was not presented as optional its cost needs to be disclosed in the APR of the federal truth in lending statement.
Product: Debt collection

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX All these accounts are reporting incorrect information. I recently applied for a home and was denied because this account shows up Rental-industry collection account. I was denied due to this incorrect information. I have never owned this debt. They also show up as the original account holder. I have requested that this debt be validated from all three accounts. They continue to report after being disputed for reporting incorrect information.
Product: Debt collection

To whom it may concern, I have sent in multiple letters to Equifax to remove the information from my report. They have yet to remove the false information even after sending in multiple items proving it does not belong to me. At this point, they have not been cooperative with the situation. I need this removed immediately for it is a false claim. 

The following is the false information they are reporting : XXXX XXXX {$360.00} I have mailed off the communication with them on XXXX, XXXX and XXXX of 2020. 

Please help me resolve this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA XXXX XXXX, XXXX, TN XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.
Product: Credit card or prepaid card

a bought something from XXXX that was shorted and damaged. i sent back what was sent to me. i was never refunded the full amount and disputed with comenity bank. this bank failed to do a dispute but decided to keep calling and hounding me for a payment and reported it to my credit bureaus. after many calls with XXXX and the third party seller not responding to emails i finally threatened legal action and got XXXX  XXXX. XXXX admitted this shouldn't of went this far and the bank should of never put negative remarks on credit report. XXXX XXXX finally gave a refund but credit score was already hurt. comenity violated the fair credit reporting act and also has failed to reply to emails and 2 certified letters sent to there XXXX ohio offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aspire is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Aspire is in clear violation of this law. Aspire is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Aspire has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Debt collection

TRUIST BANK IS VIOLATING 15 USC 1692c attempting to collect of a debt owed or due or asserted to be owed or due to another to extent activity, I, XXXX XXXX XXXX XXXX have a signed contract or any agreement with Truist bank for XXXX also 15 USC 1692e False or misleading represntatives of any claims against XXXX XXXX XXXX XXXX any debt to Truist Bank
Product: Checking or savings account

Deposited my social security check and when i wanted to spend sum of it credit karma started declining all my transactions i deposited a little over XXXX and now ur declining a phone purchase of XXXX its XXXX for gods sake im trying to buy gifts and yall just stole my money
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Lobel financial charged my credit for a auto loan I never inquired or even knew anything about I never made payments and never reached out to the company due to other charges on my credit that I had to make clear to the companies I know nothing of these debt and it had to be someone who has a XXXX Identification like a passport or something which allowing them to make transactions under my credit
Product: Credit reporting or other personal consumer reports

i have sveral documents regarding 605c XXXX XXXX, please investagate this matter and block the information reporting on my credit reports reguarding XXXX XXXX
Product: Bank account or service

I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!
Product: Mortgage

I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX.
Product: Credit card

This account was charged off but yet, remain on my credit report. I would like this to be removed and deleted.
Product: Checking or savings account

I have been a customer with Wells Fargo for almost 20 years, since I graduated from high school. To reward my being a loyal customer, they have taken illegal overdraft fees from me. They reversed a provisional credit on my account after I made a justifiable claim against another merchant. During the 3 months of an " investigation '' that they claimed they did. They chose to side with a the airline that is worth billions an airline, that was charged with illegally neglecting clients with XXXX and special needs by the department of transportation. An airline that treats staff like trash. 

They took advantage of a loyal customer that has put up with their flagrantly shady and despicable illegal behavior for many years. I had careful documentation and proof of the claim made against XXXX. They never asked for any information, that I had to prove why I made the claim. They called me once..then said their decision, was based on paperwork submitted by the airline/ merchant that I filed the claim against. 

When I asked several customer service reps why, Wells Fargo claims specialists reversed the provisional credit, they said their was no reason why.. It was a different story each and every time, I spoke to someone else.They garnished my two weeks worth of work, paycheck. Since 2019, I was the main caregiver for my elderly mother and aunt. They were sick with XXXX XXXX XXXX, XXXX and XXXX.. I lost employment, because I was their man caregiver. 

I explained all of this to Wells Fargo and XXXX on WHY I missed my flight, and why I needed the money back from the missed flight, if they did not want to rebook me on another flight. Wells Fargo responded by reversing a " provisional credit '' Without even completing an investigation FIRST. They then charged me XXXX in overdraft fees... 

Then they had the audacity, to contact me about " protocol '' that was followed. These thieves were lecturing me, about the legality of their protocol .... The shoddy excuse of a company, that was just ordered to payback billions for the lives they have ruined. I was left in a terrible position... I felt like I had hit rock bottom with these cromagnon charlatans and thieves. 

Because of the current lawsuit that they now have to pay out for, they are doing EVERYTHING they can to recoup financial losses from wherever. They don't care if your claims are founded or if you have justified reason to take action again merchant 's. 

I suspect their CEO and managers has given them strict orders to reverse provisional credits and get overdraft fees where they can, as to soften the financial hit they will take with this current lawsuit.
Product: Mortgage

Our XX/XX/2017County Taxes have not been paid. We have never been late on our mortgage payment. This has never been a problem until Flagstar Bank took over our mortgage in XX/XX/2017. I have forwarded the delinquent notices 3 times and have been told each time that the bill will be paid. We just received another notice saying that they still have not been paid and that the home will go up for sale if the taxes are not received.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00} This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX