23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi Bank through its XXXX and XXXX has been charging XXXX when purchasing in XXXX for the past 2 days ( XXXX ) even though the confirmed stated exchange rate has been between XXXX. This is a gross abuse of their position as they advertise no foreign exchange fees or costs. They have historically charged the existing exchange rate or close to it and now this week they are not. Citi Bank blames XXXX and XXXX and there is no way to contact them. Meanwhile I am being overcharged on my purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Response Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : PENTAGON FEDERAL CRE XXXXXXXX XXXX THAT THIS ITEM BELONGS TO YOU. 

XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX venmo notified me by email that a payment on my account of {$200.00} from XX/XX/XXXX was being disputed. About a week later they froze my account, took my {$60.00} balance and said I can't use my account until I pay them the rest, {$140.00}. After emails and calling many times over the next 2-3 weeks I finally got the name of the person who made this payment to me 4 years ago. I reached out to her per venmos instruction and she told me she did not dispute any payments, nor does she have the same accounts or access to a refund from 4 years ago. Venmo said my dispute was closed and my account would remain frozen until paid in full. They stole my {$60.00}, and are demanding I pay them money that nobody asked for. I have copies of the emails for proof of how poorly they handled this, the last time I called this week they said they couldn't do anything else but reopen my dispute case, but there was nobody that could help me over the phone.
Product: Checking or savings account

I OPENED A CHECKING AND SAVINGS ACCOUNT ON XX/XX/XXXX OR XXXX. DEPOSITED XXXX TO CHECHECKING AND THEN MIVED {$50.00} TO THE SAVINGS. BY THE XXXX I WAS TRYING TO FIND A WAY TO USE MY FUNDS BECAUSE THEY WETE SENDING A DEBIT CARD IN MAIL. SO ATTEMPTED TO MOVE {$50.00} TO AN EXTERNAL ACCOUNT WHICH ACTUALLY DIDNT HAPPEN UNTIL I TALKED TO THE FRAUD DEPATMENT, THEY PUSHED THE REQUEST THROUGH, BECAUSE THEY LOCKED MY ACCOUNT. REASON UNKNOWN. THEN AFTER THAT MY ACCOUNT GOT LOCKED AGAIN. BECAUSE I ATTEMPTEX TO MIVE ANOTHETXXXX TO AN E TERNAL ACCOUNT AGAIN BUT THE CANCELKED BECAYSE I HAD NOT YET RECEICVED THE FIRT XXXX YET AFTER 2 DAYS AND WAS AFRAID IT MIGHT DELAY THE PROCESS EVEN LONGER. SO THEN XXXX WITH FRAUD DEPT AGAIN AND HAD A CONFERANCE CALL WITH EXTERNAL ACCOUNT AND VERIFIED ALL INFORMATION NEEDED. SO THEN MY ACCOUNT WAS UNLOCKED. THEN JUST 3 HOURS LATER IT WAS LOCKED AGAIN OVER THE SAME ISSUE THAT WAS ALREADY VERIFIED. ITS BEEN 5 DAYS. THEY WONT TELL ME WHAT THE PROBLEM IS BESIDES THAT IT IS UNDER INVESTIGATION AND STIIL CAN NOT ACCESS MY ACCOUNT OR FUNDS. IT IS ALL THE MONEY THAT I HAVE BECAUSE I GET PAID THROUGH XXXX WHICH IM AFRAID TO DEPOSIT ANY MORE MONEY
Product: Credit card or prepaid card

I have called and sent letters stating this was fraud, they even had a different mailing address, after I gave them my information with mailing address that Ive had over 30 years, they are sending the bill to me
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Product: Debt collection

Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. 
please help, XXXX XXXX
Product: Mortgage

I had XXXX mortgage which XXXX XXXX XXXX took over. SLS then took XXXX XXXX XXXX. From the day they got control. They have been adding extra fees to my bill. I have talked to them and they would never give me the proper answer. and the finally they started to show that they were late fees and that I was not paying my bill on time. When they called me they were always rude and did n't want to listen to me. Please ask to stop unacceptably calling me.
Product: Mortgage

We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>
Product: Debt collection

Formal Complaint Regarding Identity Theft and Inaccurate Debt Reporting by Allied CollectionXXXX XXXX XXXX XXXX 

I am writing to file a formal complaint against Allied Collection concerning a debt associated with XXXX XXXX XXXX. The account in question has a sum of {$3400.00}, and I am disputing its validity. I do not know this account, and it is not mine. My primary concern is the impact it has on my credit report. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX Debt Amount : {$3400.00} Background : In 2022, I filed an identity theft report with the Federal Trade Commission ( FTC ) under the reference number XXXX. This report was submitted to address fraudulent activities and unauthorized accounts opened in my name. The debt associated with XXXX XXXX XXXX is one such account, and I am formally disputing its accuracy. 

Requested Actions : Deletion from Credit Report : I request that Allied Collection promptly remove the account in question from all major credit bureausXXXX,  XXXX, and XXXX. The inaccuracies on my credit report are negatively impacting my credit score and overall financial standing. 

Verification of Debt : I ask for a thorough investigation into the validity of this debt. I have attached a copy of the identity theft report submitted to the FTC for your reference. 

Cease and Desist Communication : I request a cessation of all communication from Allied Collection related to this disputed debt. Pursuant to this request, please refrain from any further attempts to collect the debt or report it to credit bureaus. 

Enclosures : Copy of Identity Theft Report ( FTC Report Number : XXXX ) I understand the seriousness of identity theft and the importance of maintaining accurate credit information. I appreciate your prompt attention to this matter and request that Allied Collection comply with the necessary actions outlined above.
Product: Mortgage

Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.
Product: Debt collection

National Credit Systems , Inc mailed a collection notice to my home address and I received it approximately XX/XX/XXXX. I emailed them that same date to dispute the debt. They didn't respond. I followed up with emails on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested verification of the debt and I sent them a copy of a court judgment I had showing that my landlord actually owes me money. My bond agreement regards landlord : XXXX XXXX. The landlord on my lease is XXXX XXXX. I have a judgment against XXXX XXXX. The debt is therefore not valid. 

At first it seemed like they were claiming they didn't have my address, which is false, since I received their original notification in the mail. I also spoke with them on the phone on XX/XX/XXXX and told them they had my address correct. I have also called and requested verification on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their workers get mad at me when I ask questions. One of them hung up on me when I asked what she meant by validation of the debt. They often put me on hold and then never answer my call, so I resorted to leaving voice mails. I snail mailed them my request for verification and included the address where they should send it. I even followed up by sending them a self addressed stamped envelope. I'm starting to think this may be a scam. I'm not really sure why they would list an email address on their website and then not ever check it. That seems shady.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, Social Security and a Self-attestation letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only 2 are required per the law including my Self-attestation letter. I have provided all needed documentation as well as including my Self-attestation letter signed by a non-governmental organization or human trafficking task force that is authorized by a governmental entity to make such a determination ; consumer- advocacy group or a court representative according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Disputed this debt last year or 2 wasnt mine and they took it off from original and then debt took it and I disputed and it was removed and now its back on my credit when I told them this isnt my debt. XXXX no longer exists so why they keep trying make it seem like I owed them when I never had an account with them.
Product: Credit card

I had a Walmart credit card I would use it and pay it off to help my credit score then I stopped using it for one month after I paid it off and when I tried using it they said the card was no longer active. When I called they said I had n't used it for a while so they closed my account and if I wanted I could re-apply but when I asked if I re-apply does that mean it checks my credit again she said yes so to avoid another inquiry I did n't. But I do n't like how they closed my account without even telling me just because I had paid it off and not used it.
Product: Debt collection

Company changed my account numbers at their whim. When I made payments to their automated system they did not apply them. They then reported me to the credit bureaus as delinquent causing damage and hardship to myself and my family. I have tried to contact them to resolve this issue and they have avoided trying to solve the problem. They have been using these tactics since I opened my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a Certified return receipt letter to XXXX XXXX reporting agency ( See attached document ) regarding two unauthorized hard inquires on my credit report. The two unauthorized hard inquires are from : XXXX ) XXXX XXXX XX/XX/2023 XXXX ) XXXX XXXX XX/XX/2023 On XX/XX/2023 I sent a Certified return receipt letter to TRANSUNION Credit reporting agency ( See attached document ) regarding four unauthorized hard inquires on my credit report. The four unauthorized hard inquires are from : 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: Mortgage

Purchased home approximately XXXX XXXX, XXXX. Ditech was mortgage company on this purchase. 

On or around XXXX XXXX XXXX I refinanced the home with Ditech again as the mortgage company. Within 1 week of the refinance Ditech dispersed the county property escrow taxes for approximately {$4900.00}. 

Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Equifax Failure to Provide Proof of Validation for Credit Inquiries ( Case Number : XXXX ) To Whom It May Concern, I am submitting this formal complaint to request the CFPBs intervention regarding unresolved disputes with Equifax. Despite my previous efforts to dispute the following inquiries, Equifax has failed to provide proper proof of validation. Instead, they claim the inquiries are factual, but no documentation has been provided to support this assertion. 

The details of the disputed inquiries are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I previously filed a dispute with Equifax under Case Number XXXX, and they failed to provide sufficient proof of validation for these inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Equifax has not demonstrated that I authorized these inquiries, which leaves them unverifiable. Without proper proof of validation, these inquiries must be removed from my credit report. 

I am requesting the CFPBs assistance to : 1. Compel Equifax to provide proper validation for each of these inquiries, including signed authorizations or evidence of my consent.

2. Ensure Equifax removes any inquiries that can not be verified with proper documentation. 

In support of my claim, I have attached the following : A copy of my credit report with the disputed inquiries highlighted. 
Correspondence from Equifax regarding my previous dispute under Case Number XXXX. 

The inaccurate and unverifiable inquiries listed above are negatively affecting my credit profile and causing undue harm. I respectfully request the CFPBs assistance in ensuring Equifax complies with its obligations under the FCRA. 

Please feel free to contact me via email at XXXX or by phone at XXXX ( XXXX ) XXXX if further information is required. Thank you for your time and assistance in resolving this matter. 


Enclosures : Credit report with highlighted inquiries Correspondence regarding XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX : XXXX, Experian, XXXX is reporting Fraudulent addresses that aren't my current address when I called all three agencies I was declined to remove the address after submitting my Identification by mail they still refuse to update my address. I never lived at these address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, 15 U.S. Code 1681g - Disclosures to consumers, 15 U.S. Code 1681e ( a ) ( b ) - Compliance procedures. I don't receive any mail at these address. I applied for a loan and was informed by my lender that the address on my ID doesn't match my current address. I was turned down because these agencies refuse to remove these address. Experian updated my current address and then deleted my current address and placed this fraudulent address on my credit report
Product: Debt collection

On XXXXa company called ZuntaFi said I had a coborrower requesting a payment of {$90.00} to be deducted from my bank account. 
On XX/XX/21 ZuntaFi indicated fake tax documents were ready for me to download serviced at XXXX On XX/XX/21 I have reported this fake company to the local authorities and emailed them back to please stop harassing me
Product: Credit card or prepaid card

i have a store card with XXXX. i am less than 3 days behind on my current payment. I understand the importance of paying on time but i have to wait for my paycheck to pay the bill. However the company ( synchrony bank ) continues to call me at least 4 times a day every single day telling me i need to make my payment. I am fully aware it is due and have told thiem it will be paid and i feel harassed by the number of calls that I am getting from them. I have had to place my phone on silent so that I do not have to hear it ring all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number.
My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.
Product: Credit reporting or other personal consumer reports

The XXXX  account has been paid in full and i have requested that it be removed from my credit report on several occasions. This old account has a very high impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian continues to report a XXXX account that is owned by XXXX XXXX XXXX XXXX. They refuse to allow me to dispute it, I reported and disputed this 3 months ago, which proves that they didn't verify the account, they only updated it through my dispute. When I call to dispute, they have my SS # flagged and I get locked into the automated system. In addition to them not removing or validating this account, they say I need to verify my info, however, they reach out to me using the very same address. This is all a tactic to keep reporting an inaccurate account on my credit report. Do they get paid to keep negative accounts listed? if so, that would explain their deceitful practices and blatant refusal to remove these accounts from my credit report. In addition, they recently added a new chargeoff on the account, leaving 2 chargeoffs back to back, when it was originally 1 chargeoff. Its now reported as 3 late payments, which gives any creditors the impression that I was late on 3 accounts. MY FICO score is XXXX, the lowest score of all three bureaus. in addition, they refuse to remove XXXX XXXX, who wrote asking EXPERIAN to remove this account as it was removed from the other 2 bureaus a 30 day late payment was added in error and XXXX XXXX  is now asking again for Experian to remove it. I have 2 emails from XXXX XXXX  as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I would like to dispute the 30-day late payment for XX/XX/2021. I've attached a receipt of the cash payment to provide proof that a payment was made before the on time and before the XXXX XXXX. This method of payment is also listed on the XXXX XXXX to Make a Payment page. The payment was made in cash due to a banking error with previous payments from XXXX XXXX being returned. Toyota Financial Services is currently upholding the late payment although a payment was made on the due date. The consumer should not be help liable for processing time. Toyota states in their terms and conditions itll take at least 3 business days to process a payment. I shouldve been allowed that processing time with cash payments as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> STELLANTIS - XX/XX/year> ALLYFINANC - XX/XX/year> XXXX - XX/XX/year> FLAGSHIPCR - XX/XX/year> XXXX - XX/XX/year> SYNCB/LOWE - XX/XX/year> ALLYFINANC - XX/XX/year> XXXX AUTO - XX/XX/year> STELLANTIS - XX/XX/year>