23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for a Citi Gold checking account in XXXX of XXXX under a promotional offer to receive XXXX XXXX Points upon meeting the criteria in the terms and conditions, which stated that the customer must complete XXXX consecutive bill pays in XXXX consecutive months. A Citi representative confirmed that I both signed up under the promotional offer and met the requirements to receive the points. I called Citi twice about this issue, upon not receiving the points within the stated time frame ( between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). They said I was not eligible for the offer. I would not have signed up for this account, or paid the monthly fees ( which they finally agreed to credit back to me, after 40 minutes on the phone ) if I did not think I would be receiving something in return, based on opportunity cost ( regarding both time and money ). I believe this is an unfair practice by Citi. Please see the attached document for the printout of the confirmation of the items listed above. On XXXX/XXXX/XXXX, Citi provided me with documentation of an investigation, concluding that I was not eligible for the offer. The document was password protected ; therefore, it is not attached on this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX  account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXL XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance:XXXX ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date OpenedXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit card or prepaid card

12 days ago I discovered that my Direct Express Debit Card had been hacked and every single penny was gone. I spent 2 hours on hold before I was finally able to speak to someone. The thieves stole over {$8600.00}! All the purchases were made in Washington D.C., Virginia and Maryland and we live in Texas. This money is for my XXXX XXXX granddaughter. It's her survivors benefits from the loss of her Mother in XXXX. I had saved the majority of her funds so that she will be financially stable when I am no longer on this earth to care for her. I have heard absolutely nothing from Direct Express. I called them again on XX/XX/XXXX and spent another 2 hours to just get a standard spiel from the person on the phone. I was under the impression that they only had 10 days to return the funds. Please help us to resolve this issue. I went to Social Security and her funds will now be deposited into a bank account. I have read so many horror stories about this company! Why does the government still use them! I rarely use this card so I know the number had to have been obtained through Direct Express.
Product: Consumer Loan

I had a high interest loan with cash call for approx. XXXX which I defaulted on in XXXX. 
Cash call hired a collection company to get their money. the company was ccrs in XX/XX/XXXX. they said they represented cash call and agreed to a settlement of the loan for one lump sum. 
XXXX which I agreed and paid to them. 
they said they would remove all the negative reports to the credit bureaus and report paid in full .which was not done. 
Since that time I have contacted cash call to correct my credit reports and they said they no longer own the loan. 
that another company bought the loan to contact them so they collected the money from me then turned around and sold the loan after the fact. 
and still reporting it as a chargeoff account.
Product: Vehicle loan or lease

I paid off my auto loan with Capital One in XX/XX/XXXX.  I have not received title.  I have called 7 times and each time they tell me they don't show a lien.  However, I checked with the DMV and this is not true.  I need a title for my car to sell it.
Product: Credit card or prepaid card

I have a problem with late fees be assessed to XXXX XXXX XXXX through Comenity BANK. Comenity Bank had decided to Discontinue XXXX XXXX  AS OF XXXX XXXX. So, I could no longer use card. The account has been closed. I have been paying down the balance, until I finally paid off the balance. The due date every month was XXXX of each month. I made my last payment in full on XX/XX/2019 after XXXX XXXX  CST. I was then assessed a late fee of {$27.00}. I called customer service to explain and have them remove late fee as courtesy. They wouldnt do it. I ask to speak to a SUPERVISOR, she said since the account is closed, that couldnt do anything. Although, they can add late fees and interest. I was assessed {$27.00} late fee and {$2.00} interest on the late, because the balance was PAID IN FULL. I also requested my account information and could give my account number to make a complaint. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX
Product: Debt collection

I was contacted on the morning of XX/XX/XXXX about an erroneous debt that ARA said that I owed ; the name of the person that talked with me was XXXX XXXX. ARA alleges that I opened a credit card account in XX/XX/XXXX and that I made payments until XX/XX/XXXX. They further allege that I then stopped making payments. They have the wrong person. Today, XX/XX/XXXX, I received a letter from XXXX XXXX of ARA including an affidavit of assignment of a debt to ARA. The letter instructs me to make a payment by tomorrow, XX/XX/XXXX, for a partial sum of {$2300.00} on the owed balance, or else I owe the full amount of {$17000.00}. Again. They have the wrong person and provided no further details around this alleged debt owed by me. I did not open this account almost 40 years ago. I have never seen any adverse reports on my credit history that would reflect this type of default, and I remain in good credit standing. I deny that I am the debtor that ARA are looking for. It would have been impossible for me to maintain my military security clearance for the 22 years that I spent on XXXX XXXX, which includes the time of the alleged debt default of XX/XX/XXXX. The unprofessionalism from ARA is concerning. They asked me lots of personal questions and I felt pressured by them. Isn't there some statute of limitations that applies to this type of harassment? In their letter they state that if I settle the debt, they won't report any derogatory information to the credit bureaus. Isn't that illegal in this case? This is causing me great stress. 

I just don't know what my options are here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to have these account that are a result of identiy theft removed or blocked per the fair credit reporting act section 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. and Equifax will not block o remove these accounts. as a result they are in violation of my consumer rights.
Product: Credit card

In XXXX of XXXX, I purchased two air conditioners from XXXX. XXXX. These air conditioners were purchased under a promotional time period, no interest until XXXX of XXXX. As of XX/XX/XXXX, by balance was almost below {$400.00}. When the promotional period was over, I was charged and interest fee of {$1600.00}. This brought my bill back up to over {$1000.00}. 
I was under the impression that interest would resume on the current balance due at the end of the promotion. Instead, they charged me with two years of back interest.
Product: Debt collection

Concord Resolutions claims I owe on a payday loan from 2012. I never in my life took out a payday loan and they are calling my cell, which I blocked and signed up for the do not call registry. Also, now they are contacting place of business. They do not stop, and somehow know my last XXXX of my SS #, my address, the last XXXX of my old bank account #, and went as far as saying my sisters name. They have never sent me anything in the mail regarding a debt even when I asked them to. I also told them to email me, which they have my email address somehow as well, but have never emailed me a thing.
Product: Mortgage

I entered the forbearance program last year and finished it and made 3 consecutive payments as they offered me a loan modification and told me not to make a payment until paperwork was complete. Called me after 3 months and gave me info on the offer which i declined a 40 year refinance at same interest rate and I only have about 25 years left. That put me paying around XXXX on a XXXX balance. Since I declined offer that put me in default and now im six months because they continue to tell me to not make a payment because they are still working on paperwork and the cares act is not over. They have even returned a payment to my bank. 
Alao send people out to take photos and will not release insurance claim money that was paid due to damage during the Texas freeze. My hands are tied.
Product: Checking or savings account

I attempted to purchase something on a online website that was new to me. I used my google pay, connected to my cashapp card, didn't realize it was sending the money actually to another cashapp user til after the fact but it did. And the user was a scammer. There was no item sent. There was no invoice email sent after the fact. There was nothing. I spent {$80.00} to get scammed via cash app. Cash app refused to help. They kept repeating copy pasting unhelpful and confusing information about how to file a dispute. They made me wait til the amount was processed not while processing. They denied my dispute without providing any information why. They told me they couldn't help with flagging that fraudulent account. They have not done anything to help. I had to go to XXXX and even then I don't know if I'm going to get help. I want this to be resolved especially seeing the news how you're finding them for this exact nonsense! I don't believe they care being that you're fine is less than a fifth of what they made just this quarter alone! I want my money back please if that's somehow possible. I'm broke. It was a XXXX move but I thought they were beholden to regular fraud protections. Clearly I am not with them. I am currently switching to an alternative provider but it's hard when you live. Check to check. I'd love to get this bigger coverage as they really didn't care to help, worst help I've seen. Completely allowed the fraud to take place. claiming the merchant fulfilled their part without providing detail is just icing on top!
Product: Credit reporting

Did n't authorize check through these creditors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I HAVE NO IDEA WHO AUTHORIZE CREDIT CHECKS FOR THESE CREDITORS.
Product: Debt collection

Request for Investigation and Removal of Erroneous Debt from Credit Report To Whom It May Concern : I am writing to formally request the Consumer Financial Protection Bureau ( CFPB ) assist in resolving an issue with a debt of {$6500.00} reported by Security Credit Services that has erroneously appeared on my credit report. This debt does not belong to me, and I believe I am a victim of identity theft. 

In the past, I successfully disputed a similar fraudulent account, which was removed after the creditor verified it was not my debt. Unfortunately, this new account has emerged and is significantly impacting my credit score and financial stability.

I can confidently testify under oath that I never authorized this debt, nor have I had any dealings with Security Credit Services. The presence of this erroneous debt on my credit report has caused immense hardship for my family and me, particularly in our attempts to secure financing for a home.

I have taken the following steps : 1. Submitted disputes to the credit bureaus requesting investigation and removal of the debt.

2. Contacted Security Credit Services for validation and resolution.

Despite my efforts, the issue remains unresolved, and I am now turning to the CFPB for assistance. I respectfully request the CFPB : - Investigate this matter thoroughly.

- Ensure Security Credit Services validates this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

- Remove this debt from my credit report if it can not be properly validated.

Enclosed are copies of documents that support my claim, including : - Previous correspondence related to this dispute.

- Proof of the resolution of the prior fraudulent account.

- A sworn affidavit affirming my lack of connection to this debt.

This situation has been a distressing experience, and its resolution is critical for my financial well-being and my familys ability to move forward with purchasing a home.

Thank you for your prompt attention to this matter. I am available to provide any additional information or documentation necessary to support this investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX corona ny
Product: Vehicle loan or lease

I am writing to formally notify you of an incident involving the repossession of my XX/XX/XXXX that occurred on Wednesday, XX/XX/XXXX, at approximately XX/XX/XXXX in XX/XX/XXXX at an address not listed as mine. The repossession agent knocked on the door, called me by name, and informed me that they were taking the vehicle. 

When I asked the repossession agent to leave the premises, he ignored my request. As I entered the vehicle, the agent flung open the passenger door, stating that he would not close it while I made phone calls. At this point, I informed him again that he was trespassing and escalating the situation, breaching the peace as defined by XX/XX/XXXX state repossession laws. Under XX/XX/XXXX, repossession must not involve any breach of peace, and opening the door to forcibly prevent me from using the vehicle falls under this violation. 

I informed the agent that I would not be leaving the vehicle, and reminded him that his actions were against the law. Despite my warnings, the agent called the police, who further violated my civil rights by opening the door and attempting to physically remove me from the car without legal cause. 

This is not the first time I have experienced an unlawful repossession attempt from your company. In XXXX a similar incident occurred when I was in Virginia, and I was able to stop the repossession as the repossession agent followed Virginia law correctly. Furthermore, I have made multiple attempts to communicate with your company about payment arrangements, which have either not been documented or honored. In both the New Jersey and Virginia cases, no official notice was sent regarding the repossession or the settlement of my debt, which is required under the law. 

Furthermore, I have repeatedly tried to work with your company to make payments that were within my financial reach, but they have been unwilling to offer any flexibility or assistance. Despite my attempts, the company has refused to offer loan modifications or other programs that could help me keep my vehicle. This lack of support is concerning, especially given the already high interest rate on my loan, which makes it even harder to manage the payments.
Product: Mortgage

Ocwen has made my experience with them terrible. I went from a 2.99 interest rate and out of know where it increased to 6.74 %. I have tried to refinance my rental property with my bank but due to the property not worth what I purchased it for I do not have enough equity in the property. Ocwen talked me through trying to get a modification this process took six months and I received a denial. A 6.74 they have me trapped in is unethical.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have tried to get credit with some companies and was n't able to.They used a hard credit report and put inquiries on my credit report and it has damage my XXXX XXXX I want to challenge all inquiries that 's on my credit report.some have been over two years ago and it 's still there and I want it to be removed from my credit report. I have asked them to remove this stuff off since it has been 2years I pulled my credit report up and inquiries are still there damage my XXXX XXXX. I had a old accounts and inquiries from them is there I feel they have n't been doing what the law requires them to do when it comes to my credit report. I 'm asking for help to reach out and resolve this problem with them.
Product: Checking or savings account

I am currently in the XXXX XXXX, where I do not have access to receiving SMS text messages with verification codes on my cellphone because I do not have my SIM card with me ( it was stolen along with my cellphone on XX/XX/ ) I do however still have my laptop and I have regained access to all my accounts successfully, as there are multiple ways of verifying my identity with financial institutions besides an SMS code sent to my cellphone. 
Robin Hood brokerage however, has been giving me the run aound and making it impossible for me to regain access to my account, despite the fact that I have access to the email associated with the account I have with them, I have my login credentials and I have submitted a scan of my passport and about a half dozen selfies of myself and myself holding that same passport. 
Robin Hood keeps moving the goal post every time I send them a photograph just how they described they want it. First they say they wanted a scan of my ID, then they wanted to see s selfie of me, then a selfie holding my ID, then they said that there can not be any glare at all on it ( impossible as the ID page has a security plastic coating ), then they said all of the text has to be readable ( so I had to take a selfie with my face and passport closer to the camera ), then, that more of my face has to show on the picture and then, that my fingers can not cover any portion of my passport ( which is unreasonable since they already have a clear full resolution scan of my passport and in the photographs of my holding it ; maybe not all the text is in full resolution and there may be a tiny bit of glare or the tips of my fingers may be on the edge of the ID page in order to hold it open for the selfie, but it is very obvious that it is the same passport they have a clear scan of ) A picture that shows my face from a normal distance from the camera, where all the text on my passport is clear and legible and where there is not a speck of glare and where my fingers don't cover any part of the ID page on my passport is undoable and unreasonable. 
Robin Hood keeps emailing me, saying that they will consider my issue resolved, but I still have no access to my account and can't manage my small investment in cryptocurrency that I have with them. 
This is like being robbed by this company and I need help. Please look at the photographs I have submitted to them and you will see how unreasonable and impossible to work with these people are!