23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response.
Product: Credit reporting or other personal consumer reports

Someone made applications using my name that I dont recognize or authorize, which has led to these companies pulling my credit report and damaging my credit score. I reached out to the bureau, and a representative assured me that these inquiries would be removed, but theyre still showing up. This ongoing issue is adding unnecessary stress to my life.
Product: Credit reporting or other personal consumer reports

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 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 four business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Debt collection

A target credit card I owed on went into collections and started affecting my credit score XX/XX/XXXX. They agreed to accept a partial payment and the debt was taken care of years ago. Unfortunately, I am still being negatively effected by this as the last reporting was XX/XX/XXXX. I have tried to contact target to handle this issue but the service I spoke with claimed they do not have records back that far. I would like this derogatory mark removed from my credit report as it has been paid.
Product: Credit reporting or other personal consumer reports

I received a call from Wells Fargo bank on XX/XX/24 stating if I opened up a credit card with them. I said no, they said because they suspected fraud and someone opened up a credit card of {$5600.00} and they tried to purchase furniture with it but they blocked it. I told them no i did not try to open up any account with them. Wells Fargo cancelled the account and reported to you guys so the inquiry can get removed off my credit report as it is showing under my XXXX credit report. I checked my XXXX credit report and show another inquiry from XXXX and i searched them up and its a bank in Delaware. I called the bank and they said they dont have anything with my information but it is showing on my XXXX credit report as it being reported on XX/XX/24. I put a freeze on my credit union account already but i would like to get the wells Fargo bank and XXXX XXXX removed from my credit report as it has affected my XXXX XXXX. I called bank of wells fargo on XX/XX/24 to confirm that my account is closed and they said yes.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent account information with XXXX XXXX XXXX XXXXXXXX is being furnished to the credit reporting agencies XXXX XXXX, Experian, and XXXX. I am seeking remedy for the information to be blocked and permanently deleted from my credit report and file within 4 business days as required under the FCRA. I have already completed and filed an identity theft report with the Federal Trade Commission. Please see attached.
Product: Mortgage

The last two months, I have made extra principle payments. These payments were made around the XXXX of each month. I also made extra payments at other mortgage companies last month around the same time of the month ( 2 at XXXX XXXX, XXXX and XXXX ). Of the 5 extra payments, only 1 had an unexpected outcome. Immediately I reached out and called customer service. I complained that interest was computed incorrectly but the agent assured me it was added correctly. Then I reached out through their message portal. The reason given was that they compute the interest savings on a daily basis. So i was only credited for about 8 days of the balance being lower. At the other lenders i do business with. It did not matter when during the month i made the extra principle payment. I believe that since interest is computed monthly. It should not matter what day I make the payment. Btw all banks mentioned above are standard loans computing interest monthly. Is it legal to treat principle payments as if the loan is a simple interest loan computing interest daily and treating monthly payment according to the original ammortization table. If it is legal then why wouldn't every lender be doing this. I don't see a downside for the lender. The people that get harmed are the ones that try to pay their loans off early. Please look into these predatory loan practices.
Product: Mortgage

I have a Wells Fargo Home Mortgage loan that is secured by the VA, during XXXX of 2020 I applied for the XXXX XXXX protection and I managed to bring my account current. Hove even Wells Fargo is reporting to the credit bureaus that I was late in XXXX of 2020 despite applying for and being accepted into the XXXX mortgage programs. Also Wells Fargo is reporting an in accurate due balance to the credit bureau 's of $ {$190000.00} being due on the account and the correct balance due is {$190000.00}. A few years ago several states sued Wells Fargo for charging fees on accounts for being late that included fees for inspections. Wells Fargo was supposed to refund that money to customer yet they never did on receive a credit or those fees removed. So what they are doing now is attaching it to my balance due statements.
Product: Debt collection

Hello yes Im filing a complaint on National Credit Adjusters in reference to a pay day loan thats not mine that they said I had with XXXX XXXX. This fraudulent account has been resolved earlier this year which was bought by another collection agency and has been deleted and removed from my credit report. This National Credit Adjusters are now calling me about a fraudulent debt that has been taken care of and trying to use these scare tactics and threatening to put this back on my credit after this account has been removed by the credit bureau. I told them to stop harassing me about this and they still sent letters to my place of residence and its just very annoying especially when hes constantly stating and saying yes it is your debt we have your signature and contract which I know thats a lie. I am at the point where Im going to file a law suit for them harassing and calling my phone over and over from different numbers after I told them to stop calling me. I cant remember the guys name I talked to but he kept insisting that it was my debt and was going to report it to the credit bureau. I dont know these people or company and I really need them to stop and this better not show up on my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on creditreports ; and as evidenced, it had not shown up on the XX/XX/XXXX report.
At first the response from the CSRwas a type of circular and dismissive explaination, which led
nowhere. when I questioned what they were saying, they finally stated directly that I was lying.
A similar conversation ensued with Experian, as there appeares to be the same clear mistake on their report as well.
Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner.
I have to say that XXXX is the most professional to speak with of the three, but I am uncertain of 
their documentation.
Please note the following : Reposseison of vehicle XX/XX/XXXX.
Filed bankruptcy XX/XX/XXXX.
Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy.
Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues.
I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time.
Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
Product: Mortgage

I am working to Refinance my existing loan with PHH and they do not refinance in the state of Massachusetts so I am working through another company. I have never been late on my mortgage and my mortgage states I am PAST due. I have called PHH to get a clean or updated mortgage statement 6 times and they will not provide me one, they keep stating it should be online. I have also emailed them twice. I am at the point that my refinance is not going to happen because of the horrible customer service of this company. I was under the impression that they had to provide a clean statement or any mortgage statement when asked for. 

PHH Mortgage is the company.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 my password didn't work on TransUnion website. After retrieving my online account, I discovered that someone hacked into my online account and changed the password and email address on file. I corrected all information again instantly. 

On XX/XX/2024 I contacted TransUnion fraud department and spoke with an agent named XXXX XXXX ref # XXXX ) and explained someone hacked into my account. I asked for an extra layer of security on my account such two-factor authentication or email/text notification services. XXXX declined that such services are not provided at TransUnion and was able to put a fraud alert on my account. 

On XX/XX/2024 I discovered that a credit freeze has been temporarily lifted on my online account. I instantly put the freeze back on and called. I spoke with XXXX XXXX ( File # XXXX ) who confirmed that someone earlier called in and made a verbal request to lift the freeze with my personal information including social security number. I asked if they can provide any extra layer of security on my online account such as two-factor authentication. She stated that TransUnion doesn't provide such services. When she was trying to put a password on my credit security, she notified me that she is not able to do that anymore because the system blocked the credit freeze feature on my account. She furthermore confirmed that the credit freeze can be requested by only mail and you only need a written letter and a copy of ID. 

I suspect that this person has a copy of my ID along with other sensitive personal information and I'm not feeling confident with TransUnion 's capability to protect my credit. There has been multiple attempts by an unknown person to break into my account and to lift the credit freeze. TransUnion agents are not able to provide any security measures to further protect my credit and information.
Product: Consumer Loan

On XXXX XXXXXX/XX/XXXX I received a letter of explanation from the Wells Fargo Dealer Services the events leading to have XXXX late payments filed on my credit reports. WFDS reports they received a check from Passport XXXX of XXXX in the amount of {$27000.00} and posted it to my account on XXXX XXXX, XX/XX/XXXX however " it was an insufficient amount with regard to paying your account in full so the account remained 12 days past due for the XXXX XX/XX/XXXX installment. '' My monthly installment payments to WFDS was {$740.00}, per my loan contract, therefore the payment WFDS received from Passport XXXX was more than sufficient the pay the XXXX XX/XX/XXXX installment. If the payment received from Passport XXXX was insufficient WFDS should have declined payment and returned the check, when they accepted and posted the check they accepted the amount as payment. WFDS also reports my loan was 12 days past due, loans are generally reported late after 30 days yet this loans was reported late after 12 days. I do not understand why different credit reporting practices were used in my case. WFDS sent me a letter the XXXX week of XXXX XX/XX/XXXX, stating my loan had been paid in full and was closed in good standing ; there was not a mention of this letter from WFDS. They also report on XXXX XXXX, XX/XX/XXXX a payoff quote was provided to Passport XXXX for the amount of {$300.00} which was good through XXXX XXXX, XX/XX/XXXX ; on XXXX XXXX, XX/XX/XXXX XXXX received a payment in the amount of {$300.00}. The actual quote should have been {$230.00} however WFDS failed to mention this as well. 
As a result of WFDS fraudulent reports my credit report suffered XXXX point, I was denied credit for a home to be used as my primary residence. I do not believe WFDS would have compromised my credit and if I were not a XXXX female. I believe that WFDS has engaged in discriminatory and unethical practices. In the report WFDS signed and claimed to be a true statement they have disregarded information relevant to my claim and proves they did not act on good intentions.
Product: Credit card

The complaint is against the company Comenity Bank/ Breadfinacal Overstock store credit card. I received an email that the account was past due. I tried to look up the history of auditing the Overstock account but was unsuccessful in gaining internet access and customer service to help gain information. I paid the card off. I was unable to gain online access and can not access the account to view the problem and resolve the issue. I do not believe I owe Overstock. I returned a light, but the return was never credited to the credit account but transverse to an in-store gift card to use on purchases that I did not authorize. The merchandise return should have been credited to the credit account, so now I am stuck with a card I do not need, XXXX, nor authorized. I paid Overstock on XX/XX/2023 not to acquire if I own interest. I paid XXXX, but I spoke to customer service. I will not pay another dime until I can audit and match transactions charged to the account. I request online access, a billing statement, and a re-issuance of the card to obtain the account number for online access. Problem : I need an account number to access the account and forgot the password. I have a username, but the system does not recognize to gain internet access using the reset password.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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.. 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. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX XXXX Charged off {$210.00} XXXX. XXXX XXXX XXXX XXXX Paid closed/never late XXXX. XXXX XXXX XXXX Missed/late payments XXXX. XXXX XXXX XXXX XXXX {$990.00} open balance XXXX. XXXX XXXX XXXX XXXX {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, TransUnion XXXX XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, TransUnion, XXXX XXXX XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.
Product: Credit reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.
Product: Vehicle loan or lease

XXXX auto loan. Add Ins included that I did not accept. Difficult to pay through app. Fees for every change to account. Called every time to try and correct, advise etc. 
finally gave up and had to sell the truck I loved to get out of it.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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/XXXX
Product: Debt collection

They call just about every day or every other day. When I answer, it's a bot instead of a person. They request that you call back a different number that they call you from if you want to speak to a human. Once you do get a hold of a person, they are rude and very short with you. I've requested multiple times that they send a debt validation letter but they have yet to send it out. I've requested that they stop calling me until they send a letter and yet they still send automated calls.
Product: Debt collection

They have called incessantly. I have tried to keep up payments however I was admitted into a facility XX/XX/XXXX until XX/XX/XXXX discharged approximately a month ago for my XXXX  XXXX. Ive tried explaining that the calls are detrimental and I will make a payment as soon as I can. They do not stop calling. 
From XXXX XXXX they called 11 times From XXXX XXXX they called 33 times. 
From XXXX XXXX they called 24 times and the day ( today is XX/XX/24 ) is not over.
Product: Mortgage

Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016
Product: Money transfer, virtual currency, or money service

I recently checked my account and seen that my money was not able to be used. I went to the store with nothing in my tank just to get to the register for my card to decline. My account been on an hold, I havent got an explanation. Everyone is giving me the run around. I just feel like its very sad on Truist end how they operate, everyone that banks should get amazing services. It seems Truist is the one scamming everyone accounts. What do I suppose to do? Ive been without money for XXXX weeks, I am struggling due to TRUIST. This hold has to be off tomorrow, how can I pay my bills. My money is linked to this bank account.