23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card open with citi bank. I got some fraud on it back in  XXXX  of  XXXX  every month since, I have called citi and explained that it was fraud and they would take it off. They never took it off and in  XXXX  of   XXXX  , they claimed it was 30 days late even though it was the fraud I was not paying. Then in  XXXX , they claimed it was 60 days unpaid and again I called and they said it was fixed. they didnt, they sent it to collections. i called agian and corrected and they said it was fixed. I got conformation this weekend because I received a statement with a negative balence. Only problem is, that shows on my report and m y credit score o f  XXXX   ( t hat I have paid every bill I have ever had early ) has sunk to  XXXX  will this go away or what do i do next?
Product: Credit card

I am writing to formally complain against XXXX for selling my personal information without my knowledge or consent. On XX/XX/2024, I discovered that XXXX disclosed my sensitive information to third parties without my explicit permission. 

This unauthorized sale of my data has not only violated my privacy rights but has also exposed me to potential risks of identity theft and fraud. I have made numerous attempts to contact Caine and Weiner Company to address this issue, but have not received a satisfactory resolution.

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against XXXX  and The Caine and Weiner for their unethical and unlawful practices. I also urge the CFPB to ensure that my personal information is protected and that strict measures are implemented to prevent such incidents. 

I have attached relevant documents and evidence to support my complaint. Please feel free to contact me at XXXX for any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received correspondence in mail from Penn Credit Corporation regarding and electric bill due to XXXX electric company for an address in NY. I have never resided in NY nor do I have family in that area. I was told to contact XXXX directly which I did. I was instructed by ConEdison that I need to contact FTC and also my local police station to file a report, I am in the process of doing so. The amount owed {$1500.00} and per XXXX @ XXXX, the account was opened XXXX and close XX/XX/XXXX.
Product: Prepaid card

Trying to reach the company XXXX through their website ( several times from XX/XX/XXXX to XX/XX/XXXX ) and phone ( XX/XX/XXXX ). On the website, you can only check your card and balances no direct contact via chat/email is available. They provide a hotline, you call, and only have a machine answering that gives you no option to find out about your card not working. Only how to make disputes or to check your balance. On the website, I had tried to request a physical card ( several times from XX/XX/XXXX to XX/XX/XXXX ) since I thought that might be the problem and I could use it easily in person. But every time I requested a physical card it gave me an error message and I should try another time. 
The card is a prepaid card that I got from my insurance to use for medical-related costs. As I wanted to pay at the hospital ( where it was authorized to be used ), it was declined although the amount is less than the prepaid amount on the card. My card expires by the end of the year, and I have no idea on how to reach them to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, Convergent account # XXXX, 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 an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

XXXX. ( XXXX XXXX Bank ) Address-XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX  ADDRESS- po box XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX  CARD XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX FXXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX
Product: Debt collection

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXX XXXX by more a consumer to any consumer reporting agency it the pers
Product: Checking or savings account

I recently learned from XXXX that a address located in Michigan was located on my credit report. I 've never been there, lived there or visited there. I do n't have family there that I know of. 

My drivers license have been stolen, my social security card also. The Social Security Admistration sent me a letter in XXXX and told to file a civil action law sue. 

IRS is aware of this fraud with my personal information. I need for First Tennessee Bank to provide me with all of my transactions on the account numbers that I am requesting. 
In the time the bank is allowed to go back from XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, I bought an instrument cluster for my XXXX. The XXXX garage tried to install it, but it is defective, forcing me to pay a repair bill of {$300.00}. 
During the process, I tried to contact XXXX and the seller directly. I was unable to reach EBay ( COVID-19 rollback of personnel ), emailed the seller with no response at all. 
My dispute was denied because I did not have the statement from the garage, now I do. 
I am also including the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon my name is XXXX XXXX, my claim is against the performant company because they report my credit card and put it into a debt collection and take it to a criminal account for an amount of {$250.00} which does not explain where that charge comes from. And not only that, but also affected my credit score with the buroe credit and already pay off the amount of {$250.00} and is still reflected in my credit card as a debt colletion and they did not remove it. Please, I need an answer or a solve of the problem with my credit card.
Product: Bank account or service

Commercial realty loan complaint against CITIBANK. 

SITUATION. In XXXX 2007 I invested in XXXX, a Tenant in Common property in XXXX XXXX Iowa. Like most of the other CP investors I rolled over equity in an IRS XXXXexchange from a small property. 

XXXX XXXX ( XXXX ) was sold to a group of XXXX investors for XXXX, and set up as a tenant-in-common investment ( TIC ). In the case of XXXX a master lease promised guaranteed income like an annuity. Most XXXX owners, myself included, are over XXXX. For many the investment constituted much of their life savings which are now lost leaving some TIC owners dependent on their children or at the precipice of bankruptcy, XXXX even XXXX. 

After years of mismanagement, large capital calls amidst XXXX disbursements, and frustrating and costly civil litigation, XXXX went into foreclosure. Owners representing a XXXX % ownership have pending civil actions against the TIC sponsor, who is out of business and the asset manager who is in bankruptcy. These civil actions are unlikely to remedy the massive systematic fraud and injustice that has cost us much of our retirement savings while blighting our latter years with financial and personal anguish. 

CITIBANK. However, behind the sponsor and AM there is a giant deep pocket, Citibank, that our lawyers have deemed too big to sue but without whose collusion in writing, then selling, a loan which did not meet reasonable underwriting standards the owners would not have lost their savings. ( More details in attachments. ) Apparently realizing that the CP loan of XXXX was tainted with fraud and bound for foreclosure, Citibank sold it for XXXX to a vulture bank whose practices appear to be to buy distressed loans , drive out the equity investors, and flip the property. Citibank 's action has parallels to subprime loan abuse, only it the victims were elderly small investors, not home owners.The XXXX XXXX investors have lost more than XXXX total. There are hundreds of other defective TIC real estate loans that have damaged thousands of XXXX investors across the country. Nothing is being done against the banks who wrote loans that were used to defraud investors and perpetrate XXXX abuse. 

ASK. We ask CPFB to investigate the Citibank loan to XXXX XXXX XXXX and the sale of the loan and seek damages for the XXXX TIC investors, my self included.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leave inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has either corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I friend gave me a check drawn on his account at Bank of America When I went to cash the check, I was told that if I was not a B of A customer, their policy was to charge an {$8.00} fee to cash it. 

I am under the impression that if someone issues a draft or a check on his account, the back is required to honor and cash it, subject to identity verification, etc. 
Does the XXXX XXXX XXXX allow such a fee as described above?
Product: Student loan

Currently, I have a student loan with  Navient,  who is formally known as  XXXX   XXXX . After reviewing my account, I discovered there were an addition al 20 plus thousand in  loans, " I did not take out. '' Would you please verify, where this came from? I do n't plan on paying for it at all!
Product: Debt or credit management

I had Lexington law to help me bill my credit up. I had to pay the {$50.00} up front before they did the work.
Product: Student loan

I have had an account with Sallie Mae/Navient for almost 18 years and tried my best to maintain the account through multiple forbearances that eventually increased the amount of my outstanding balances with forced forbearance. Sallie Mae/Navient was sued for predatory loans that were given to individuals like myself in Pennsylvania that reached settlement.

Under the lawsuit I was one of the borrowers impacted by predatory lending and received payment from the settlement. Navient was supposed to remove loans under this lawsuit to borrowers who were in default prior to the settlement. Navient decided not to forgive my loan because my loan was technically up to date during the lawsuit. The only reason my loan was up to date during the lawsuit was because I was actively on a in-school deferment while I took up courses at a local XXXX college to make up for the fraudulent school and loans I signed up for 18 years ago - not because I was actually able to pay for the high interest loans. So Navient decided my good-standing, deferred loan account was good enough to keep in their system regardless of the lawsuit my account was under. My loan has never gone down in balance as a result from the interest raising forbearance practices they used on me years before. I cant seem to get anyone at Navient to assist with forgiveness on my account. And i am now seeking legal action utilizing the proof set by the Navient settlement that my account should have received consideration for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I opened my checking account through a web page that advertised {$300.00} for opening an account and also making direct deposits of over {$1000.00} in the next 60 days. On the web page, there was a link to open the account right from there or it said you could go to the branch and open in person with a code. I pressed the link and continued to apply and open an account. I made the qualifying direct deposits. After 90 days I called to check when it would come and they said anytime during the month but then they saw no banking code attached to my account and said that I would not be receiving the {$300.00}. I was transferred and told the same thing. I asked for it to be elevated to a supervisor to verify what was going on. I have since received a letter stating I would not receive the funds because there was no code attached to my account. I have spoken to them 3 different times. There is no resolution and I know for a fact that I should be receiving the money because I was comparing bank offers for opening an account and went with them because of the XXXX. Please help me resolve this. Maybe there is a way for them to trace back to the web page that I started from. Thank you for your time,
Product: Checking or savings account

I opened the Savings account at the Wells Fargo branch on XX/XX/XXXX. 
It was opened with the {$520.00} promotion. The requirements were : - Open a new Savings account by XX/XX/XXXX - Bring XXXX XXXX  or more in new money to the account by Day 30 after the account opening date - Maintain XXXX XXXX through Day 90 after the account opening date The corresponding promotion screenshots are attached. 

I fulfilled all the requirements above - opened the account- on XX/XX/XXXX - deposited - {$300.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$9600.00} and {$15000.00} on XX/XX/XXXX - {$25000.00} in total by XX/XX/XXXX - maintained that amount - by XX/XX/XXXX. 
See the attached statements. 

I didnt receive the bonus by the expected date. The Wells Fargo representative said I havent fulfilled all the promo requirements and become ineligible for the bonus. 
I raised a complaint to get more details on that. They responded that I didnt fulfill the XXXX XXXX deposit part. It turned out that they dont count deposits made on the first day, within the account opening as new money for that XXXX XXXX threshold. So they didnt count those {$300.00} I deposited on XX/XX/XXXX. 

I strongly disagree with that. I believe those {$300.00} deposited within the account opening must be counted under the promotion. 
The definition of new money ( see the attached screenshots for the promo details ) : New money is money that is new to the customer or new to Wells Fargo ( deposited into the customers new savings account directly from outside of Wells Fargo and Company and all affiliates, or from a Wells Fargo account not owned by the customer ). 
It does NOT say that money deposited within the account opening or later on the Day 1 is not counted as new money. 
Those {$300.00} I deposited on XX/XX/XXXX are new to Wells Fargo and were deposited in the account from outside. So it totally aligns with the definition above. 

I believe I fully fulfilled all promo requirements and should get that {$520.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of unauthorized accounts on my credit report. I am a victim of a data breach that resulted in the compromise of my personal information, and I did not authorize these accounts. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of identity theft ... see attachments
Product: Credit card

I applied for a Avant LLC credit card through XXXX which stated they would not hit your credit unless you were approved. I was approved and I began the final steps of " verification '' which included email confirmation ect. The last step was they wanted a picture of your ID and a selfie which was very unusual since they already had my SSN and other information. I attempted to provide this over and over again and their site continued to error out on this step even after I went above and beyond to make sure everything on my side was not the problem. After going over this with their helpdesk they gave me an email to attach those items and send it to them. Once I did that and also mentioned that I was military they pulled my credit and rejected my application and account. XXXX is also liable in this case because they seem to be protecting a scammy company. Avant cards are the only ones they advertise that won't allow you to leave ratings/reviews on their website. I now have no credit card and a credit pull that was suppose to not happen if not approved.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/XXXX ). The student loans continued to show on my credit report. In XX/XX/XXXX, I filed disputes with the credit bureaus which were closed when XXXX incorrectly reported that my loans still maintained a balance. I emailed XXXX and recieved no response. I think called XXXX and was told the credit reporting process had started in XXXX, but could take up to 90 days ( I was given a day in early XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/XXXX, I called XXXX. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for XXXX minutes.
Product: Debt collection

XXXX another XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX NC there is a lawsuit almost settled due to delays in my care and XXXX XXXXXXXX they know that they will be paid when settled the lawsuit is in XXXX XXXX XXXXXXXX that's where they messed me up, I could not even walk let alone work im still in XXXX and on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 U.S.C 1681 section 602 A. States I have 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: Credit reporting or other personal consumer reports

My XXXX credit card has been reported to all XXXX bureaus since I opened the account XXXX. Recently, within the past XXXX  days, Equifax removed the account from my credit report which significantly lowered my score about XXXX points. Equifax claims that XXXX needs to submit reporting data to continue reporting which XXXX claims they have done. XXXX claims to report to all XXXX bureaus which I can confirm because the credit card account is currently on my XXXX and XXXX reports. Equifax will not allow me to submit a dispute so that this matter can be investigated on their end and have the matter resolved and to return my credit score to its original status. Therefore I am submitting a dispute with the CFPB to resolve this matter.
Product: Debt collection

Around mid XXXX XXXX Resurgent Capital Services email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/XXXX. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/XXXX. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested Resurgent to provide a copy of the original contract with XXXX showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with XXXX or any other creditor. I did receive ltr from company titled XXXX XXXX XXXXXX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with XXXX.