23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Chase XXXX XXXX XXXX XXXX credit card. It has an annual fee of {$95.00}, which I've paid for in XXXX the past few years. My renewal was on XXXX this year and I missed the XXXX deadline for paying it. I spoke with an operator ( XXXX ) on XX/XX/XXXX and used my XXXX XXXX ( XXXXXXXX XXXX ; account # XXXX ) to pay the fee. That left {$1.00} in interest remaining, which carried over to my next statement as I had not thought to pay the difference after my membership fee was paid. 

Unfortunately, on XX/XX/XXXX I received a letter indicating my " account has been inactive with a zero balance '' ( I last used it in XX/XX/XXXX ) " so we decided to waive the annual fee and close the account. '' I called the number on the letter ( XXXX ) and spoke with XXXX. She said she was unable to reverse the decision to close my account, but could send on my request for a refund of the membership fee, either in XXXX or in cash. She said to allow XXXX days for this to be processed. 

On XX/XX/XXXX, I received a letter that said 'This confirms your annual membership fee was paid using your XXXX XXXX ' and not addressing what I had requested. I would like a refund one way or another : I would accept the XXXX XXXXXXXX back ( XXXX # XXXX ) or a check for {$95.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022
Product: Credit card or prepaid card

I started a balance transfer online with Citi on XX/XX/XXXX for the amount of {$1500.00}. The money was supposed to be transferred to my XXXX XXXX XXXX XXXX XXXX card. However the transfer never completed to my XXXX XXXX card. when I reached out to Citi on XX/XX/XXXX they opened a dispute and credited the transfer back to my account. But on XX/XX/XXXX they reversed the credit and put the balance transfer back on my account and closed the dispute. The money was still not on my XXXXXXXX XXXX On XX/XX/XXXX I opened another dispute and the amount was credited to my account but on XX/XX/XXXX the reversed the credit again and closed my dispute. The money was still not on my XXXXXXXX XXXX  account. I had called multiple times after that talking to multiple departments trying to resolve the problem and find out where the money went. Also calling the bank the money was supposed to be transferred to multiple times. Citi kept giving m a confirmation letter with a customer iD and trace ID but the transfer said it went to XXXX XXXX XXXX. Multiple time we checked to credit card number to make sure they matched and the did. No one could tell me how to reach XXXX XXXX XXXX, I tried multiple times to find different numbers on the internet and no one could help me at XXXX because I didn't have an account there. 
I have reached out to Citi several times since but I have no resolution and lots of frustration and I am still missing {$1500.00}. I am already repaying that amount to Citi and still it was not credited to my XXXX XXXX card. The last several times I have reached out to Citi the would not open another dispute and said there was nothing they could do. I do not understand how they can send money somewhere that the transaction was never completed, but they couldn't just cancel the transaction. Which I asked multiple times to just cancel the balance transfer since it did not reach the destination. They still said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

As starters, the U.S. Bankruptcy Court provided me with a letter that was forwarded to Transunion which clearly states they DO NOT report to Credit Agencies. In addition, the public record does n't does not list a FULL social security number ( last 4 numbers only ), the address on the bankruptcy does n't below to me and I never lived there, and it 's not an exact match to prove my identity for it to be reporting on my credit file. I tired 4 times to dispute the issue on dates ( s )XX/XX/XXXX and XX/XX/XXXX. I am a victim of identity theft which is also listed in their records but they are still not in compliance with removing information they are not able to truly verify. Their erroneous mistake is causing a nightmare in my life. When I verbally spoke to representatives today in their fraud dept.XX/XX/XXXX, they were very rude, and hanging up on me. And was advised, " ... The information does n't have to match, the name and last 4 digits of  the ssn that they are able to see are good enough ... '' Please make this company follow the guidelines, and REMOVE this Public Record from my credit profile ASAP. They are the only credit bureau that is listing it.
Product: Student loan

I have an alleged debt with Navient. Multiple private student loans. The last action by me on the loans was XX/XX/2020. 

Navient has included various false information about my loans over the last 5 years. First, they claimed that I was making intermittent payments on the loans so that the statute of limitations would be extended even though I was not. Then, they coded my loans as federal, not private, and therefore the charge off is still active even though the statute of limitations for my state is 4 years, and should be over now. 

I am unable to get a mortgage because of this. I have called them various times, they refuse to work with me and won't give me information about the coding of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to LexisNexis no respond. They are clearly in NONCOMPLIANCE with XXXX reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.
Product: Debt collection

We received collection notice from Synter Resource Group, LLC ( SRG ) advising balance due of {$2100.00}. We called the freight company ( original creditor ) XXXX XXXX XXXX, spoke with their accounting department and confirmed no outstanding debt is owed and our account is in good standing. XXXX XXXX XXXX further advised they do not have any business relationship with Synter Resource Group , LLC . 

We've attempted to contact SRG several times leaving voice mails for XXXX XXXX and XXXX XXXX to call us back to discuss matter unsuccessfully. Regardless of the time of day, no one picks up telephone numbers listed in notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my account consumer credit card was closed by Barclays Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today Barclays continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, Barclays continues to validate the information as correct reporting.
Product: Debt collection

XX/XX/XXXX XXXX XXXX sold debt to XXXX. Initially, the amount owed was stated to be {$1700.00}, bit after reaching out to management at XXXX XXXX, she agreed that the rent she attempted to collect from me could not be legally charged wile renting to another tenant who began leasing my partment in XX/XX/XXXX. Howeve, she said is is still required to charge a resetting fee,, which under lanord-tenant laws is also illegal in the state of Texas as they already lease my Apartment as soon as I moved out.. Pro Collect made adjustments and states that I owe the {$910.00}. As of this date, I requested Pro Collect provide the authorized, signed agreement stating that a third-party collection agency can collect and they have not provided such proof. Additionally, the charges XXXX XXXX was attempting to collect was/is illegal under state law. As of XX/XX/XXXX, all 3 credit bureaus is reporting debt that I do not owe and in which I disputed under the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their refusal to have the accounts removed has ruined my life and especially my credit. XXXX XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Product: Credit card or prepaid card

On XX/XX/2020, I made three transfers of {$25.00} each from my XXXX debit card to my American Express Serve Card. All three transfers show as completed both from XXXX and from American Express. I have confirmation numbers, too. The {$75.00} was not added to my account and American Express refuses to adjust my balance. They said they had an error with their system, but it has been two days they've been holding my money without giving me access to it.
Product: Checking or savings account

Citizens Bank ran maintenance at the end of the month and ran into some sort of problem that they wont elaborate on and now I am unable to get my check direct deposited. I have bills due, we need groceries, and have a large payment due to my sons school and all they say is sorry, it will be 2-3 days until its fixed they also said it may come in the form of a check in the mail so add another few days for that to clear which by then it will be the weekend, so we are looking at a week or so before this is all cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX,
Product: Debt collection

XXXX XXXX makes it impossible to close account. I tried calling, E-mail long them, sent a letter to XXXX, went to local club, and tried in website but no resolution. I thought account was closed and but they started sending me bills for services I no longer use. Then they for a collection agency Aldous and Associates to harras me constatntly. I did not take calls, I dont accept numbers I dont recognize. I never got a formal letter stating I owed their bogus charges. I need them to take claim out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized items in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, Equifax and XXXX  to have the late payments removed. I have disputed with XXXX, XXXX  and Equifax and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
Product: Credit reporting or other personal consumer reports

I received an alert from my lender ( XXXX XXXX ) on XX/XX/XXXX that there was a change to my credit score. When I received a second alert the next day on XX/XX/XXXX, I clicked through and learned there had been XXXX unauthorized requests to pull my credit report from XXXX and Experian. I put a freeze on all my credit report sources ( XXXX, Experian, XXXX and XXXX ), but when I spoke with XXXX and Experian they both told me I would need to provide some sort of deletion letter explaining this inquiry seems to be made by a bad actor, which would be used to ask the credit bureaus to remove the inquiry from my credit report. 

My primary concern is ensuring that someone is not able to use the XXXX credit report requested through XXXX or Experian to open fraudulent credit cards in my name. I tried to request this through XXXX but am having a very difficult time reaching a customer service person who can assist me. XXXX 's rep advised I get in touch with you instead to help. 

Please advise. Happy to provide any additional information as needed, let me know how I can assist. Thank you for your help on this matter. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been harassed by national credit systems in the following ways : -would not stop calling even after repeated requests. 
-would not furnish documentation regarding alleged debt. 
-they play games on the phone and avoid any questions and abruptly hang up when I question the validity of the debt. 
-they manipulate the dates reported to the credit bureaus whenever I make a dispute as a way to keep the alleged debt on my credit report. They leverage themselves by negatively reporting false information as a means of power over me. I HAVE RECORD OF THEM CHANGING DATES AND MANIPULATING THE SYSTEM. 

This is causing major financial stress as well as emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a joint account with my former husband XXXX XXXX at Bank of America.

I divorced him because he was involved in XXXX XXXX and fraud to the IRS.

After my divorce, Bank of America has been reporting false information bout my payment records.

I must mention that it was I, who took in the responsibility to made the payments when I was married.

I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive.

My records still have the wrong information that Bank of America reports.

I need to clear my records.

Thank you.
Product: Credit card or prepaid card

I applied for and received a Discover Balance Transfer Card. The card was mailed to me and I received it and called the number on the card to activate it. After about 10-12 days I got a letter that said you need to activate your card and we need more info. Now this is AFTER I was told it was approved and I have the card in my possession. 

I called the Company on the number on the card and said I wanted to do a balance transfer ( that was the whole purpose of getting their card ) she took all my info, and after 20 Minutes on the phone she said was All Taken Care of.

I got some phone messages that said I need to contact them so I contacted them again. I was told that they needed to verify me. She said they needed authorization to contact the IRS for my last two years of returns. So I did that form and sent that to them. 

Another week goes by and I get more messages and a letter that said you were not approved for the Balance Transfer. WTH?. They said they needed MORE INFO now. 

She sent me a link for me to use my XXXX to take a Selfie and the front and back of my D.L. I did that ... ... they contacted me back and said it didn't work! So I did it again ... ... they said it didn't go through and " if I didn't get them what they wanted they would just cancel my card ''. They gave me an extension and they sent me a form to have Notarized and I had to get a Signature Guarantee also ... ..this cost me time and money! I got it done and emailed it in. I called to follow up and they said that they didn't receive it! I sent it again ... ... so that was sent in TWICE. 

Now another two weeks goes by... ..I have an approved card in my hand and can't use it as they have discriminated against me for some reason. I get a letter in the mail yesterday that says ... ..We canceled your account. We could not Verify you!

Now my Credit Score Drops because of this and I am out of time and money!

So to Recap : Got an Approved Card ... ..got a TON of runaround ... ..now I take a HIT on my Credit score Because of their incompetence!

This is NOT how you do Business! 

WHY DO YOU SEND THE CONSUMER THE CARD AND TELL THEM IT'S APPROVED AND THEN DO THIS TO THE CONSUMER????
Product: Credit card

While reviewing my credit report I noticed fraudulent activity. Please close all fradulent accounts and delete from my credit report.
Product: Student loan

I have been making payments ( either {$50.00} or {$100.00} per month ) since at least XXXX on this loan. My " account history '' on Edfinancial shows NO payments at all on the load. No transactions, no payments. I can't get them to verify why my thousands of dollars haven't been reflected. I also attach tax documents that the company itself sent me showing two years of payments. I need a correct account history reflecting these payments and for my loan amount to be correctly reflected. I can't get any response from them at all, so it's like this money disappears. I can confirm from my bank that the money has been sent ( and cashed ) to the address in the XXXX email attached. Thank you.
Product: Debt collection

On XX/XX/XXXX Look at Credit report and Professional Credit did not no I had and account
Product: Credit card

I had an American Express Delta Skymiles Card- had a high limit and paid on time consistently for several years. There was $ XXXX of fraudulent charges on my account and opened an investigation. The merchant never responded/provided any documentation that could substantiate these charges. In fact, the merchant responsible for these charges is n't even in business now. However, the 3rd party performing the investigation engaged in multiple phone calls that became borderline harassment as they were unequivocally trying to find a way to get me to back down so they could collect the money from me. I asked them if they could put the charges back on my account without any documentation/response from the merchant and they did n't answer as they apparently were not at liberty to do so. Subsequently, I requested to speak to a manager. I never had that chance because they cancelled the card and now are trying to collect the balance of the card PLUS the roughly $ XXXX of fraudulent charges. This is adversely affecting my credit which is deplorable considering they are ignoring my repeated requests for them to look further into the fraud situation. I believe this is unethical but also illegal business practice because my rights as a consumer are being ignored and they are attempting to use intimidation tactics to get me to back off which I will not since I refuse to pay for charges that I never incurred. Please let me know what my rights are as a consumer and what actions I can take to resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 0XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Prepaid card

I filed a complaint to the CFPB that American Express gift card on XX/XX/2024 that I am unable to use this gift card because it would always come up error. 
On XX/XX/2024 American express responded through CFPB with a solution of canceling my gift card and mailing me a check. I have never received a check. I have called American express 3 times and the answer is the same someone will get back to me in two business days. They have never gotten back to me at all. 
As of now my card is canceled and I have no check. As far as I am concered this is theft.