23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of XXXX, I received a ( XXXX ) letter from Internal Revenue Service stating claims of a cancellation of debt for {$4900.00} from Citibank from year XXXX. I have never had a credit card with Citibank. I immediately call Citibank in New York XXXX, the address on the letter. I spoke with XXXX XXXX ; ID # XXXX. This person took my information that identifies me and I was told my information did not match what they had on file. I was told there was no account in my name according to the account number on the XXXX letter. I was instructed by XXXX XXXX to fax a statement refuting the claim and to also fax a copy of the letter I received for IRS. On XXXX XXXX, XXXX ; I faxed a statement and a copy of the letter to XXXX XXXX to ( XXXX ). I requested verification in writing to be sent to me at my address and/or my email address. After two months of no response from Citibank ; I called Citibank again asking for written verification. I was told they would do more research and get back to me. To date, I have not received a response nor a resolution to their claim sent to IRS. The IRS is attempting to collect additional Tax from me because of this claim. I have a right to a copy of the documents related to Citibank claim of Cancellation of debt sent to IRS.
Product: Money transfer, virtual currency, or money service

The reason I am filing this additional complaint is that there does not seem to be a way to update complaints once they are main. You already have 2 complaints on the same matter. 

Here is the update : There have yet to be any response from Bank of America. I filed a complaint with this through the FDIC. A bank should have a fax # and an email address in order to resolve this sort of thing, so that person who has been injured due to the bank 's incompetence should not have to file separate complaints with multiple financial regulatory and law enforcement agencies. 

This is the gist of the problem, as I am block copying this free a complain on the same matter just a few days ago. 

I have provided this information. See complaint XXXX ; Your complaint form did not allow me to add information and that is something you should fix. A key problem here relates to the Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina, as the Bank of America has been remarkably negligent and uncooperative, not providing a valid fax # or email address. This has been going on with other victims since at least XX/XX/XXXX and with me the scam involves a bit more than {$120000.00} lost. The account with Bank of America involves XXXX XXXX, the scammer 's money mule, as well as a scammer clone of XXXX XXXX XXXX XXXX. There are numerous law enforcement and financial agencies involved. I am providing you with about 1/20 of the material I have and I would like you to look pages 1 and 2 of the PDF attachment, as they provide the account information and XXXX XXXX XXXX XXXX 's fake website, so you can see the full extent of my loss.
Product: Checking or savings account

I had filed a complaint with Chime on XX/XX/XXXX. Claim ID : XXXX. I opened a ticket with Chime to get a refund of {$48.00} from a merchant I had pre-ordered XXXXXXXX XXXXXXXX with. That pre-order was from XXXX. I had waited almost a year for my merchandise to come and it never did, so I requested a refund. Chime said it was past their time frame of refunds but i was free to open a case and dispute it. So, I did. They claim to have sent me the documentation i asked on how someone reached the decisions that my money is not eligible for a refund when i havent ( still ) received something I paid for. They sent me a .pdf of their report but when you go to open it, it takes me to their XXXX and consistently tells me i have the wrong password when ive checked a handful of times and verified with my password manager that the password is correct. To this date, XXXX XXXX, I still have not received the merchandise from the retailer, Chime refuses to refund my money, and I have yet to hear a good reason why someone else is entitled to my money when I received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a copy of a paid in full letter from XXXX XXXX to Contract Callers to the email address provided, XXXX. Prior to sending the letter, I spoke to two different associates at Contract Callers Inc. informing them the account has been paid in full. I also spoke to several associates and a supervisor at XXXX XXXX asking them to update the collection company that they sent my information to, with information that the account has been paid in full. XXXX XXXX says their only responsibility to me is to send me a paid in full letter, which they have done, XX/XX/2020. I've disputed the information on my credit report with XXXX three times and CCI  response to XXXX  is, the amount is still owed. CCI refuses to update my credit report with correct information.
Product: Credit card or prepaid card

I contacted American Express to ask how I could transfer my total balance [ {$5200.00} as of XX/XX/21 ] to a new card. They informed me that this is not an option. I was confused and this is my first time trying to transfer a balance to a new card. I'm starting a new job and am shopping for a business expense card that had a balance transfer option. I was shopping with XXXX for a mastercard and decided to check with American Express to see how that process would go. I just got off the phone with American Express. They said they don't do balance transfers right now -- for about the past year. I asked the representative, XXXX, to escalate my inquiry and find out exactly why they won't do balance transfers. I was put on hold for few minutes and he came back with a response that it was because of Covid. I was dumbfounded and said that is unacceptable. He said he knew that wasn't a great answer and he had no further information. I asked to file a complaint and he agreed -- then proceeded to tell me that after I file my complaint, the company may or may not get back to me -- at all. I found this egregiously unacceptable and asked who I could file a further complaint with. XXXX put me on hold and came back and said the XXXX XXXX XXXX. From my schooling, I remembered the CFPB and their vital role protecting consumers, which is why I'm filing this complaint. My complaint confirmation number with American Express is : XXXX. They gave no reasoning about why they will not process my balance transfer left me with no option than to seek help from the government about the issue. They try to use their weight and power to do whatever they want without explaining themselves, but I'm the consumer and I pay them interest monthly. I do not accept that they felt they don't need to answer for their policy to their paying customer and I'm humbly asking for your help in making them answer more fully and with accountability to their consumers. Thank you in advance for your dutiful consideration and diligence in helping me get more information and, hopefully, an equitable result to their black-box decision. I feel wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to Equifax. My confirmation number is XXXX. 

According to the TILA ( AKA FAIR CREDIT BILLING ACT OR TRUTH IN LENDING ACT ) The burden of proof is on the bureaus not consumers. Its been over 30 days and I demand them inquires to be DELETED FROM MY ACCOUNT.
Product: Mortgage

A Bi-weekly payment process was authorized and confirmed to start in XX/XX/2019. In XXXX, a late fee was billed. The company was contacted by us and they stated an error was made by them, and the bi-weekly payments were cancelled for unknown reasons. The company said this was not uncommon, but stated a new authorization would be required by us. We said we would just make regular monthly payments to avoid this problem. The company removed the late fee, and confirmed the date and amount of the next payment. Company stated everything was corrected.XX/XX/2019, we received a bill for twice the monthly payment for XXXX. XXXX was already paid, and now a double payment is due for no reason. The company is being contacted for the third time about this issue, and we are concerned about malicious billing from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies showing the wrong addresses for me I only have XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting fraudulent accounts and inquiries on my credit report.Here are the list of accounts and inquiries : Account : XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Inquiries 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 JXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is " XXXX XXXX XXXX XXXX ". I have been trying to report about inaccurate items in my credit account but none of my afford has worked. I request investigations on these derogatory account that I list below : **Auto loans** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
*Credit card* _ XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX how can there be {$6800.00} in a closed and charged off account. DELETE IMMEDIATELY!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX HOW CAN THERE BE XXXX $ IN A CLOSED AND CHARGED OFF ACCOUNT. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$5800.00} in a closed and charged off account. Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$230.00} payment in a charge off account. Delete it please. 
_XXXX XXXX XXXX VA Reported : XX/XX/XXXX This account is not mine. I never receipt any credit or loans from this company. In addition, this account is derogatory and obviously demand to be removed as they have {$73000.00} payment in a closed and charge off account. Delete it!!! 
XXXX XXXX  XXXX XXXX - XXXX XXXX  Reported : XX/XX/XXXX Again, all these account are inaccurate, they all try to take my money for something I don't own. {$27.00} in a closed and charged off account. Delete it immediately _XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I do not have a financial obligation with THEM. Please delete this reference on my credit report. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never own any loans or credit from this company. Provide me full documents or delete it immediately. 
*Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me full information about this collection prove that you has follow all F.C.R.A requirements, including proofs of any writing mail or disclosure as I never receipted any about this collection. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any credit or loans from this company _XXXX  XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!!! 
*** Public records** _Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX This account is not mine. Please delete it as they has a big negative effect to my credit report.!!
Product: Debt collection

There was not an option for this problem but I had a collection come up on my credit score for a {$320.00} debt I thought was paid but apparently the check was lost also they never informed me I was past due or that it was going to collections till it came up on my credit score. I and my old roommate have made multiple calls and emails to try and get the money owed paid but the emails are never returned and the calls are either voicemail or told to call back later when someone else is in the office.
Product: Credit card or prepaid card

My account with Capital One was marked as delinquent 30 days in XX/XX/2022. In XX/XX/2022 I deposited a 30 day payoff for the full amount of the account ( {$850.00} ). 
Capital one then charged a {$2.00} interest charge to the account. Still, I can not figure out the math on a {$2.00} interest charge with my account APR ( 25.49 % ) from either the existing balance ( {$780.00} ) or the charges in XXXX ( {$70.00} ). The company then charged a late fee in XXXX of {$2.00}. I did not receive notification of either of these charges. In XXXX my account was marked as 30 days late on my credit report. The moment I got THAT notification from XXXX I paid it in full. I was XXXX with the military during this time ( XXXX ). I have never missed any payments on any account for any revolving credit. I have made every single payment on time since. I made a dispute through all major credit bureaus in XX/XX/2022 and nothing has changed. I have also called Capital One in XX/XX/2022 and received acknowledgement from the supervisor I spoke to that these charges were incorrect and told that he could do nothing to fix it. The supervisor just apologized, said he would try to send the issue further up, but I have yet to get a response or see a change.
Product: Mortgage

Wells Fargo now says I am being transferred to another servicer. They are unable to help me and I have not got the money to pay all the amounts they added to my loan when I did n't get a modification because they kept not helping me figure it out. Attached is the letter I got yesterday and I do n't know what to do since Wells Fargo keeps telling CFPB they are working on it. They have never helped me and now I ca n't even think straight because I have not XXXX. I am wanting help and no body can help me. I ca n't take much more of this confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts in Navient that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, XXXX  and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
Product: Checking or savings account

On XX/XX/XXXX, I deposited an official bank check from XXXX XXXX into my Bank of America checking account via an ATM deposit. After depositing the Official Check the ATM indicated that 100 % of the funds would be held until XX/XX/XXXX at XXXX. It concerns me that no portion of my deposit was made available to me, especially since the deposit was from a local bank account that I closed and that bank provided me with an Official check. As a Bank of America customer since XXXX, that receives monthly deposits into their account, I believe this hold is excessive. No portion of the deposit has been made available to me and I am concerned that this is an unjustified practice.Bank of America has received the funds for this official check and is now collecting interest on my money, which is not available to me. 

I spoke to XXXX, Senior Client Advocate from the South Carolina online banking location who reached out the the extended holds team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently :XXXX , XXXX , XXXX My current legal name isXXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted Lexis Nexis, XXXX XXXX, XXXX, XXXX  regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.
Product: Checking or savings account

On XXXX XXXX, XXXX Bank of America took the liberty of withdrawing {$270.00} from my joint checking account that we use to pay monthly bills only, and transferred it into XXXX XXXX XXXX XXXX XXXX my husbands checking account due to a negative balance he had in his account. Subsequently i was charged XXXX {$35.00} overdraft fees as they moved the money that i had in the account to pays bills. The account would of never gone negative if they had not moved the funds, and the fees would not of happened. Again, I had to cure yet another negative balance due to Bank of America 's moving the initial {$270.00}. Since that time I have been charged {$35.00}. for an extended overdrawn fee, on XXXX/XXXX/XXXX i was charged XXXX {$35.00} over draft fees as i have been trying to bring my account current., I have tried to talk with he Bank, but they wont budge, they did return the initial {$270.00}, but refuse to return any of the overdraft fees they said did not have to do that. I filed a complaint with the Attorney Generals office, whom transferred my case over to the XXXX XXXX Massachusetts XXXX XXXX XXXX of Law. The Individual handing my case name is " XXXX '' my claim # XXXX I was informed by XXXX that written notification regarding my complaint had been sent to Bank of America on XXXX XXXX, yet no other contact had been made. I was advised to file a complaint with The XXXX banking commission file # XXXX. 

I feel at this time Bank of America has unfairly charged me {$210.00} in fees. 
Regards. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed that my credit score dropped nearly 100 points. I investigated on my transunion report and found XXXX nearly identical XXXX figure balances reported by XXXX. This is FRAUDULENT, I am a victim of XXXX  consistent unethical student loan practices at every turn. I was about to buy my first home, and now my process must be delayed until XXXX removes this inaccuracy. XXXX ACTS INTENTIONALLY. The balances are NEARLY - but not actually identical so that the credit bureau would notice this was a duplicate error. 

This company needs to be immediately penalized and punished. My student loans need to be forgiven after this. 

I DEMAND JUSTICE! STUDENT LOANS ARE PREDATORY BY NATURE. XXXX IS A SCAM COMPANY WHO PREYS OFF OF US. This is a DISGRACE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section XXXX of this title that such information may be disclosed. I did not receive any of the XXXX disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void.

My complaint is also with three bureaus XXXX, Experian and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, Experian, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681 for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

For those four violations from XXXX XXXX I am seeking {$4000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Payday loan, title loan, or personal loan

After I received the loan there were additional fees add on as well as it feels like the interest rate increase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with XXXX, XXXX and TRANSUNION on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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
Product: Debt or credit management

I was with Lexington lol for about almost a year and a half paying them to fix my credit which it never happened. And I want my money back that I spent with them and my credit did not get fixed.