23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21, someone made multiple purchases totaling {$300.00} on my credit card. These purchases were made at places Ive never been to and several gas stations for way more than the total it costs to fill up my car. My card had clearly been cloned and I was not in the area when the purchases were made. Even though the bank notified me of the fraud and had me verify that I did not make the transactions, they refuse to refund me for the amount charged. Ive spoken to them twice and not only do they refuse to refund me, they put I mark on my credit score. I am outraged that as a victim of fraud I would be treated this way. 
I have attached receipts and text correspondence proving I was not in the area the cards were used in on that day. I was in XXXX while the cards were used in canyon country. My husband works in XXXX and my kids and I were visiting him for lunch as well as a local park and XXXX. Additionally I have provided a recent gas receipt showing the amount my car takes to fill up. Surely this is enough but please advise if additional info is needed
Product: Credit card

I opened my Care credit account for the purpose of taking care of medical bills and medical fees. Purchases were supposed to be interest free until the promotional balance expired- if there was an expiration on those purchases. CareCredit has not been forthright with payments I made to them I've made multiple payments within the same month sometimes over the course of my account opening. Those payments were to be made towards the promotional balance on my account. The website does not allow consumers to pay towards those promotional balances and it is an inconvenience to call customer service to do so when there is a website available. Upon calling an agent, the services do not allow you pay towards promotional balances either, you must be routed to a customer service agent. I also noticed on my personal profile on the website all of the promotional balances are not listed. Rather they are expired, or terminated. The payments that I've made over the course of a year were supposed to be applied to the promotional balances specific to the listed dates. I applied for those credits to be applied over the phone today. Had those payments I made towards the promotional balance been applied I would not have been charged the high interest rates that exceed the balance on the promotion owed. CareCredit has been decitful in their tactics on listing all promotional balances and I want my card payment security fees waived for the course of the contract term if my application is not approved. There is no point of being charged for a service that was not utilized and therefore should not reflect in the rates and charges on my account- regardless to the terms and conditions, the practice is unjust especially when it effects the balance on the account. The promotional balance does show up on the statements but it does not show on the websites mobile or desktop. The agent could not explain why or rectify the issue. This has caused the card to be over the limit and it is effecting my credit score. Had the payments been applied to the promotional balance the interest on the promo balance wouldn't be so high ; resulting in me being entrapped with high interest rates.

I filed a complaint with the consumers protection bureau in hopes to solve this issue. The company responded but has refused to rectify the situation. Over the course of several months the company claimed to had made payments on my behalf ; the payments made were not applied to the principal balance- resulting in the account total amount due still being high not much difference than when I initially applied for the XXXX to cover the cost of the balance. I am still on medical and documents have been submitted as proof of my XXXX the company is still saying that I owe a bill for this month when I pay for card security to protect me while I'm on a medical XXXX. 

** '' the company '' = Care Credit ''
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an inaccurate account from XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX with Equifax. The company confirmed they would notify CRAs to remove this account and cease collection ( letter attached ). Both XXXX and XXXX have removed it, but Equifax has failed to act. 

This inaction violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires CRAs to report accurate information. Equifax has been repeatedly informed, provided confirmation, and given ample time to correct this. 

I am requesting the CFPB investigate and ensure Equifax promptly removes this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I called Citibank 's Citigold customer service and placed an order for XXXX euros to be delivered to my home. My wife and I are heading to XXXX for our XXXX wedding anniversary and I wanted to utilize the Citigold 's XXXX XXXX service to obtain currency before the trip. The customer service agent took down my information including the address where the euros were to be delivered. The agent read me a disclosure asking me to assume responsibility in the event that the money was lost because I was having it sent to an address other than my physical address. I agreed and the agent gave me a confirmation number for the transaction # XXXX. They then told me my order was accepted and the euros would be delivered on Monday. When Monday came and the euros did not come I checked my account and saw the transaction had not been processed. I waited until Tuesday and called customer service. The agent saw my order but could not tell me why it had not been fulfilled. The agent indicated they would have to reach out to that department and call me back. Later that day the agent called back and told me that the other department " cancelled the order because it was not going to my physical address and they don't send euros to Hawaii ''. I have used this service in the past and had currency sent to my Hawaii address. I spoke with the agent and apparently they had no intention of informing me of the cancellation and she could not tell me why or when the service had been changed. 

The marketing material for the service ( copy attached ) does not indicate that the bank excludes customers from this service based on the geography they live in. I don't think the bank should be able to not provide a service to a customer who lives in a US state or territory based on their geographical location if they are willing to accept deposits from those customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open account with XXXX  XXXX of $XXXX. This was paid on XX/XX/2019 or close to that date. Online services,inc has this account and once it was paid, they have refused to update the account or delete it. I’ve disputed it multiply times, included the paperwork showing that it’s an XX/XX/XXXX account balance, but Online Services, Inc, refuses to acknowledge the information.
Product: Credit reporting or other personal consumer reports

ONCE AGAIN CFPB DO YOU EVEN READ MY COMPLAINTS OVER THE SAME THING FOR 5 YEARS NOW. WHAT IS THE PROBLEM? I AM DEALING WITH A BUNCH OF LIERS AND YOU DO ZERO TO HELP AN INNOCENT PERSON.
Product: Credit card or prepaid card

This complaint is about the excessive amount of time taken by Citibank to resolve a dispute on a transaction on my Citibank AA Advantage credit card. The dispute was opened on XX/XX/XXXX about a charge on XX/XX/XXXX for a United airline ticket. The case is currently still opened, and Citibank has not been responsive to resolve the matter. Federal regulations require disputes to be resolved in 60 days and no more than 90 days. Currently the case is unresolved for over six months. 

The XXXX ticket is a refundable one, but the refund amount never show up on my credit card account after cancellation. As a result a dispute was filed on XX/XX/XXXX with Citibank with case number XXXX. Citibank gave a temporary credit of {$4800.00} during the initial investigation, but later reversed the credit a month later, claiming that the merchant has already credit the account and close the case. I checked my statements carefully, but never find any credit since XXXX from XXXX. 

The issue was raised with Citibank several times during the next few months, but each time Citibank response with the same letter claiming the same thing, that the merchant had given a credit already. 
Each time they did not answer my question of where and when they saw the credit in my account. 
It was not clear if the Citibank bank investigate team understand the issue. 

The issue was unresolved until XXXX, when a Citibank customer representative manger, XXXX, from the dispute department finally acknowledged that nothing from XXXX have been credited into my account. She promised to let the investigate team understand and resolve the matter in 2 weeks. 

However through out XXXX, nothing happen. The last thing from Citibank in an email on XX/XX/XXXX is that the case is pending. 

I have exhausted all my efforts in these, and would appreciate Department of Financial Services could help.
Product: Credit card or prepaid card

On two occasions, with my Chase Sapphire Reserve, I submitted 2 disputes. In one case, I was charged for items that I returned for over {$2000.00} and submitted the XXXX weight information showing I had returned the items and they did not investigate or credit me. They did nothing to protect me although I pay them $ XXXX/yr! 

On the next occasion, I was called about a fraudulent charge that was in person when I was away, I told them it was fraudulent and that I was away and then followed up and they said they never called me although the individual on the phone asked me if I had made the charges and did not ask me anything personal about myself and told me the fraud dept would call. Then I submitted a dispute about it. The fraud dept was only available during limited hours did not provide an email or any other way to get in touch with them. I sent them all the documents by fax and by mail twice. They did not respond. They did not investigate at all. Even though I told them it was physically impossible for me to have made these " in person '' charges and sent the receipts from the hotel where I was at the time!. They just charged me over {$2800.00} and closed the case. I faxed them more info and tried to appeal and they responded the case was open again. And then closed it with no investigation. They did not give me any opportunities. It has been abhorrent and I am a very organized and thorough person, if they are handling these types of fraudulent claims this way, I imagine there is a VERY SERIOUS CLASS ACTION and some serious XXXX XXXX type fraud going on with Chase. It's absolutely unheard of the way it was handled.
Product: Mortgage

I asked wells fargo to reduce my monthly payment they refused my wife passed away and I want to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions.
Product: Mortgage

- We originally began the Mortgage Assistance/Loss Mitigation process in XXXX of this year. During our initial application process, US Bank ordered an appraisal on our house that exhibited several significant flaws on the final appraisal report and appeared to be geared toward positioning US Bank to offer a Short Sale. The appraisal recorded our home purchase transaction as the amount recorded when we closed on the purchase of the house but did not include the amount we paid for the lot itself prior to beginning home construction using a construction loan program through your bank. The appraisal completed in XX/XX/XXXX also valued the home significantly lower ( {$500000.00} ) than the value established by an appraisal completed as part of the application and Underwriting process for our second mortgage. That appraisal, completed in XX/XX/XXXX, also did not include the added value of completed landscaping, and in addition to being completed as part of the Underwriting purpose of establishing lending limits, represented a conservative estimate of the property value. 
- On XX/XX/XXXX, I called in to the Mortgage Assistance/Loss Mitigation department to ask for guidance regarding my pending XXXX payment that was due for the month. I spoke to XXXX, US Bank Representative ID # : XXXX, and I was instructed to send a letter cancelling my pending application for mortgage assistance so that I could call in once my application had been withdrawn to ask for a forbearance, which I was told could be approved over thephone. 
- I called in to the Mortgage Assistance/Loss Mitigation department again on XX/XX/XXXX to request the forbearance option and was told that a forbearance option could not be approved over the phone for my accounts, and that I must begin the mortgage assistance application process all over again so our situation could be reviewed before a forbearance period could be considered and approved. 
- I then resubmitted a new application and supporting documentation on both loan accounts on XX/XX/XXXX. I called in on XX/XX/XXXX to check on the progress of my application and was told that since our payments were current and our accounts were not in default, we were unlikely to be offered any mortgage assistance solutions. I was told that we needed to miss a payment to put our account in default before any solutions could be considered or offered. This is contrary to the guidance provided on the US Bank website, which encourages borrowers to contact US Bank for solutions before they miss a payment. 
- As a result of the advice from the US Bank Mortgage Assistance/Loss Mitigation team , we chose to skip our XXXX payments, putting our accounts in default, and significantly negatively impacting our credit score.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. EXPERIAN, XXXX, XXXX keep furnishing alleged transaction ( XXXX ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX that identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Product: Credit reporting or other personal consumer reports

I WAS TOLD THAT I COULD PUT MY CAR IN GARAGE STORAGE BUT LATER FOUND OUT THAT THE PHONE REPRESENTATIVE GAVE ME FALSE INFORMATION AND THEY ARE HOLDING ME RESPONSIBLE FOR THE MISCOMMUNICATION THAT I WAS GIVEN. ALSO MY AUTO LOAN HAS BEEN GETTING PAID MY XXXX XXXX MONTHLY. IT WAS NOT PAYING FOR THE MISCOMMUNICATION PAYMENTS! LOAN NUMBER ID XXXX WITH XXXX XXXX
Product: Mortgage

this is again regarding " lonecare Mortgage ( XXXX XXXX XXXX XXXX  XXXX VA.XXXX  ) after the last complaint I filed some of the mistakes made by L/C were resolved, however the letter they sent me stating this is a written conformation we have received notice of error from XXXX, and if you have questions please contact Mortgage resolution unit XXXX ex XXXX sincerely XXXX XXXX XXXX XXXX so I called her 8 times left 4 messages to please return my call with no response so I called their home base # talked to whoever? told her the situation that I hadn't got a call back and could she please see what she could do and she said she would and call me back, that hasn't happened either. this has been since XX/XX/XXXX. The sad part of this situation is if they had not taken out two mortgage payments, that was made in last XXXX one made by their mistake the other I made as my regular monthly payment that started a chain reaction of nothing but pure XXXX for my wife and me, if they would just put the payment, they messed me up on at the end of the loan all could be solved so " no foul no harm '' they still expect me to make two payments they say to make the loan right, this isn't fair as I did exactly as the loan payment I signed to made monthly was done last XXXX. I don't know how much more stress I can take from these people
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Disputing Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally report a series of unauthorized credit inquiries that have appeared on my credit reports maintained by Experian, XXXX, and XXXX. I have no knowledge or record of authorizing these inquiries, and I am concerned that they may be a result of identity theft. 

The specific unauthorized 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  I have already submitted a complaint regarding suspected identity theft to the appropriate authorities and have taken steps to secure my personal information. Despite this, these unauthorized inquiries continue to appear on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and other federal regulations governing consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 and Section 616, I am entitled to dispute inaccurate or fraudulent information on my credit report. The law mandates that credit reporting agencies must investigate and correct any information that is found to be erroneous or a result of identity theft. 

Additionally, under Section 605A of the FCRA, credit bureaus must remove any fraudulent information resulting from identity theft within a reasonable period upon receiving a formal complaint from the consumer. 

As I did not authorize any of the above-listed inquiries, I request that you take immediate action to investigate and remove these unauthorized inquiries from my credit report. I also request that you provide me with written confirmation of the removal of these inquiries, along with an updated copy of my credit report from all three bureausExperian, XXXX, and XXXX the investigation is complete. 

Please advise me on any additional steps I may need to take to facilitate this process. 

Thank you for your attention to this serious matter. I trust that you will handle my request promptly in accordance with the law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened up a Wells Fargo account beginning of this year 2025 after being accepted and enrolled two days later I was told my account will be closing on XX/XX/XXXX with no further information onto why such decision was made.