23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was trying to add my card to XXXX XXXX on XX/XX/2024 after purchasing a new phone. The system prompted me to call Citi with a designated number to verify. 

Since the matter was not of immediate urgency, I called them on XX/XX/2024 with the number the system provided. The representative told me to stay on the line and remained silent for 7 minutes without any further explanation. After 7 minutes, I inquired whether there is any problem proceeding with the verification/whether verification is unavailable for some reason. The employee immediately broke silence and responded that he needs my phone number to send a verification code. ( This shows that he intentionally put me on hold instead of immediately asking for number as soon as he knew he needed it ) After providing the number, he responded that this number can not be used, and asked if I have any other phone number. I only have one U.S. phone number like many others, and told him that I do not have any other phone number. Since he tried to put me on hold without explanation from there again, I told him that I would rather file a complaint and asked for any reference point that could be used to complain about the person on the phone, such as name/employee ID/etc. He refused and insisted that I just call again for a different person. 

With the issue of not being able to add my credit card unsolved, I am filing a complaint here.
Product: Credit card

To whom it may concern, I have opted out of prescreened credit card offers permanently through the information provided by the FTC around XX/XX/XXXX. All offers have stopped except from American Express who continue to send me prescreened offers almost weekly. 

Additionally, around XX/XX/2016 I was a victim of identity fraud and as a result I put a freeze on my information through the credit bureaus. I was supposed to stop receiving prescreened offers but again continue to get them from American Express almost weekly. I have contacted the company multiple times, through writing and through phone to no avail. 

I just want these offers to stop as they could potentially put me at risk for more fraud. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 reporting

I filed an official dispute with Experian on XX/XX/2016. I stated that XXXX XXXX XXXX, a creditor on my file, has misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Experian return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Experian has not provided any further information to explain why they have decided not to update their files.
Product: Debt collection

I am reporting identity theft. I checked my credit today and it dropped XXXX points from XXXX to XXXX. My husband 's score is XXXX and we share all the same accounts, so this raised major red flags. I can see on my XXXX XXXX account through XXXX that there is outstanding debt from XXXX XXXX XXXX. The collections agency is AMSHER COLLECTION SE. I have never been a customer of XXXX XXXX. I only have XXXX long-standing credit card accounts with XXXX XXXX, XXXX, and XXXX. Never XXXX XXXX. It appears the credit debt was sold to AMSHERCOLLECTIONSERVICES and that I owe {$440.00}. I have never been contacted by this company either via in person, mail or email. This Amsher Collections tried this same tactic back in XX/XX/year> where they claimed I had debt from XXXX, another company who I have never had an account with ... for the same {$440.00} debt. I filed a complaint to the Federal Trade Commission ( FTC Report Number : XXXX ) in XX/XX/year>.
Product: Credit reporting

the past year we have been working on improving our credit rating. received an email from Transunion offering ways to help better our score. I hit the enter key and read the top XXXX companies who could help, i.e. XXXX XXXX, some debt relief co 's, etc. I went into XXXX XXXX entered name and some info, then changed mind. deleted all info. Then received an email from this co that my loan was denied. HOW did they get into my report? They told me they buy names from Transunion of people wo have credit problems, I told them I wanted them to take off their inquiry on my credit report and I was going to notify FCC, XXXX, which have been completed. see attached
Product: Debt collection

Jefferson Capital Systems, reported on my credit report that I owe a debt of XXXX dollars from an account opened on XX/XX/year>. 
With no original debtor. I do not owe this debt and I contacted the company Jefferson Capital Systems to have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has put a middle name on my credit profile that is not mine. This is not my name and has never been my name. Experian has a copy my passport already and I'm not sure why they thought to ADD a middle name to my account and MISPELL IT. I do not use my middle name and do not want a middle name on my account. 

Remove this because it's not spelled correctly and I did not authorize the addition of any name changes on my account and they do not have any supporting legal documents, such as a birth certificate, ID, Passport, ANYTHING with my name spelled like this. 

This information is false and inaccurate and needs to be removed immediately. Do not put any unauthorized names on my profile, file, report or any other documents that Experian has to identify my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for Equifax and XXXX XXXX but the credit bureaus point to XXXX XXXX, XXXX XXXX  points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.
Product: Student loan

Hello, My brother  XXXX   XXXX   XXXX  worked with  XXXX  in  XXXX  and met his obligations under the Loan Rehabilitation Program and as such his loan was returned to Navient ( attached ).  XXXX  's account number with  Navient  is  XXXX  and his loan number is  XXXX .     My brother was not working and had   XXXX   medical conditions, living with my parents and relying on them for all care. On  XXXX   XXXX ,  XXXX  my brother 's body was discovered and he was pronounced deceased. An autopsy was required and the final death certificate was released on  XXXX   XXXX ,  XXXX   XXXX  attached ).     My parents are  XXXX  and  XXXX   years old, liv ing on a fixed income reliant on social security. I supported my parents in managing notification to all medical providers and Navient to get the accounts closed. My brother left no estate and instead only died with bills.     On  XXXX   XXXX ,  XXXX  I contacted Navient and spoke with  XXXX  and he indicated I needed to submit to them the death certificate once it is released and then they would close out the loan. On  XXXX   XXXX ,  XXXX  I mailed  Navient the death certificate ( attached ). On the next bill from Navient i t was addressed to my fathe r ( attached ), so I contacted Navient  to check on the status of getting the loan cancelled. They told me it can take several months for the death certificate to be processed.     Over the past 3 months  Navient has called my parent 's home up to 10 times  a day, sometimes as late as  XXXX   XXXX , asking for the loan to be repaid. During the first month my parents would explain that my brother was deceased and that the loan should be closed. I called   Navient twice during this time period and each time was told that they had not processed the death certificate yet and that it can take time to be processed. I let them know that each call Navient makes causes emotional trauma to my parents because they find it so difficult to speak about my brother 's death. They assured me the calls would stop.
I told my parents to stop answering Navient 's   calls because they assured me they would cancel the loan once the death certificate was processed. Last week I called them to check on the status and they informed me that they will no longer speak with me. I asked why and they said that my father was a co-signer on the loan so they will only work through him. I explained that I was not aware of this and said that my father will have a difficult time speaking with them because he will get confused about what is going on. I also indicated my parents never mentioned anything about co-signing and if it did happen my father likely did not understand what he was doing.     I subsequently spoke with my parents and my father indicate he recalls signing a form to help my brother but did not realize it meant he would have to repay my brother 's debt. As I previously stated, my father is  XXXX   years old, living on  a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX AV XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00}, XXXX XXXX ( Original Creditor : SXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

USAA froze my account. They required a copy of my ID to reopen the account which I provided. They still have not unfrozen my account. I have been their customer over 20 years. They already have all my information on file. They refuse to give me any access to my money and refuse to say why. Additionally, I work for the XXXX and I recently was transferred from XXXXXXXX XXXX XXXXXXXX. They know this because they also provide me with auto insurance and I had to tell them my XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Next, they told me I must notify them when XXXX XXXX XXXX XXXX up so they can fully insure the vehicle. They refuse to let me talk to the insurance department while the accounts are frozen. I have to pick up my car tomorrow from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Lastly, my rent is due. I start accruing late fees tomorrow. USAA has said they will not reimburse me for losses they cause.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

1. On XX/XX/XXXX XXXX I bought his single-family home located at XXXX XXXX XXXX XXXX XXXX, GA XXXX for {$370000.00}. The legal description of the property is Land Lot XXXX, XXXX District, XXXX Section, XXXX XXXX, Georgia, being lot XXXX, XXXX XXXX. 
2. The day of the credit transaction completion and closing, I signed and endorsed a Check/Promissory Note and was made out pay to the order of : DAS Acquisition Company , LLC. 
XXXX. My Promissory Note check was tendered pursuant the law 31 CFR 103.11 ( u ) ( iii ) 4. However I have not received my closing documents in the quitclaim deed from the Seller/Grantor of the property as proof of transfer of all interest with clear and marketable title to the property, and I have not received the Title to the property according to the law at 31 CFR 103.11 ( u ) ( iii ) 5. Pursuant the Law of Money and Finance : Treasury at 31 CFR 103.11 ( u ) ( iii ) ( u ) Monetary instruments ( iii ) All negotiable instruments ( including personal checks, business checks, official bank checks, cashier 's checks, third-party checks, promissory notes ( as that term is defined in the Uniform Commercial Code ), and money orders ) that are either in bearer form, endorsed without restriction, made out to a fictitious payee ( for the purposes of XXXX ), or otherwise in such form that title thereto passes upon delivery ; 6. I have not received any closing agreements, or contracts thereof bearing both bona fide signatures and evidence of lawful consideration by XXXX XXXX, XXXX XXXX or anyone at DAS ACQUISITION COMPANY LLC 7. It appears DAS ACQUISITION XXXX XXXX, XXXX XXXX have devised or intending to devise a scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses or representations and making false claims and reports of making a loan of cash, check or money order. DAS ACQUISITION COMPANY LLC never made a loan. I have contacted DAS ACQUISITION COMPANY LLC and I have submitted a Loan Affidavit to be signed and notarized to verify and authenticate proof of any alleged loan. However over the course of 4 months, DAS ACQUISITION COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX have failed/refused to sign and notarize the loan affidavit document supporting and providing evidence of a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Lexis Nexis is reporting public records that I have a 100 % discharge on my report and that is inaccurate. I have no discharge.
Product: Checking or savings account

On XX/XX/2022 I was notified that the phone # on my account had been changed to a phone # that I have never been associated with ( XXXX ). I immediately contacted the bank to notify them of this. They told me that they were unable to change the # back without specific documentation and froze the account. I attempted to provide the documentation ; however, it was still not sufficient, so at this point I had lost all access to my account since it logged me out. I had 3 accounts with Chime, a XXXX, a XXXX XXXX, and a XXXX. Through my XXXX account I was able to see the transactions that the hackers transferred all funds from the savings and checking into the credit builder and then made two transactions totaling {$2600.00} ( one for {$230.00} and one for {$2300.00} ) to an XXXX XXXX XXXX in XXXX on the card ending in XXXX. I immediately called and disputed the transactions. I was told that they were pending and if they went through then the dispute process would be started and could take up to 90 days. After I hung up from that call I received an email that they proceeded to close all of my accounts. This made it to where I could only communicate to them through email. I sent several emails that went unresponded to. Finally, on XX/XX/XXXX I sent another email that they provided some basic information regarding their disputes process to. Today, XX/XX/2022 I received notification that they have denied my dispute and deemed these two transactions as legitimate. I spoke with the bank yet again and they stated that I am required to provide additional documentation in order to prove that I did not do this. I am not sure what other documentation I can provide at this time since I did not make these transactions. The account was frozen on XX/XX/XXXX when I attempted to buy groceries at XXXX on XXXX XXXX in XXXX, XXXX  ; however, the hackers were able to use the card the very next day. I am unsure how that occurred if the account was frozen.
Product: Mortgage

Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. 

I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. 

I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. 

I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.
Product: Checking or savings account

Citizens has terrible customer service, so I called and complained and then sent in a CFPB complaint. A woman named XXXX XXXX who works in the office of the chairman went on a power trip and closed my account. The fact that this is how citizen 's responds to valid complaints about their terrible customer service is not acceptable. This woman is a power tripping bully and Citizens enables her. Is this really how citizens views its customers? As sheep to bully?
Product: Bank account or service

In 2006 members of the community HOA opened a CD with Fifth Third Bank or a predecessor bank. As the current President of the HOA, I tried to redeem the CD and was told that since I was n't an original signatory, I could n't redeem the CD, that the original signers would need to come in. There are two problems with that. First, neither I nor the bank know who those individuals are. They looked at the original form and could see signatures but there were no names. The second problem is that the CD was opened eleven years ago and board members from that time have either died or moved away. 
Our property management company is named on the CD but they ca n't get the funds either. The CD matures on XXXX and will automatically roll over again unless redeemed. Any assistance would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I registered within Wells Fargo Bank access to XXXX. I successfully used XXXX to transfer {$620.00} to a family member. No problems at either end of the transaction. The next day my XXXX account was inactivated. I have called and spoken to agents within Wells Fargo Bank multiple times including agents in their Fraud Department. They confirmed that there was no report of any fraudulent activity and blame XXXX for the inactivation. I have called, written, and spoken with XXXX representatives ( very difficult to get access to speak to anyone from XXXX ) and XXXX won't or can't explain why the account was inactivated. XXXX blames Wells Fargo. Wells Fargo claims it can't remove restrictions to XXXX access. They claim that the " token '' is invalid. I learned from Wells Fargo that their use of the term " token '' just means my phone number or email address. Wells Fargo claims it is XXXX that must act to remove restrictions on my " token. '' XXXX claims it is Wells Fargo that has restricted access to XXXX. XXXX claims Wells Fargo can remove restrictions. I suspect it is XXXX not Wells Fargo that has inactivated my access to XXXX because I am not able to register to use XXXX on another bank account I have with XXXXXXXX XXXX
Product: Vehicle loan or lease

Company threatening to repossess the vehicle. Filed multiple complaints and retained an attorney. Notified usaa of the attorney. On Saturday usaa removed the debt from my credit report. Company is now refusing to talk to me about the removal from credit report. Willing to pay whats owed but I want an explanation first. Attorney said this is a good thing and good chance now its removal means no longer obligated to pay. I want an explanation before payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXXXXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX/XXXX  XXXXBalance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXXBalance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX