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

On XXXX XXXX XXXX, my Costco Anywhere Visa Credit Card was used in fraudulent activity. When I became aware of this charge ( via email statement from Citi Financial on XXXX XXXX XXXX ), I immediately notified Citi Financial to dispute this charge. The charge was for {$410.00} on XXXXXXXX XXXX XXXX, at XXXX XXXX. I spoke with XXXX in Customer Service. She informed me that they would close my card and issue a new one. XXXX further advised that I should pay the minimum payment due on my account so it would not get behind??? I replied to her, " I had never heard of having to pay for something/charge you were disputing ''. She replied, " we have to tell you that ''. On XXXX XXXX XXXX, I received an email from Citi stating in part, " that they had reduced my minimum payment due to {$41.00} for the month of XXXX due to my billing dispute. However, the original payment due was {$41.00}. On XXXX XXXXXXXX XXXX, I received communication saying, " Citi was looking into the dispute I filed, and I would not have to pay the disputed transactions or related charges while they were going through the investigation process. On XXXXXXXX XXXX XXXX, I received an email alert from XXXX XXXX, saying, " there was a change to the remarks listed on my XXXX credit report regarding my CITICARDS CBNA account ''. When I logged into my XXXX XXXX account, the remark said, Dispute resolved, customer disagrees. 
Upon this discovery, I contacted Citi Financial. I was told by XXXX in the XXXX XXXX Department that my dispute had been resolved on XXXX XXXX XXXX. I informed her that I had not been notified. She said a letter was mailed on XXXX XXXX, XXXX, which I have yet to receive?? I proceeded to ask her, " how was the dispute resolved ''? XXXX told me that the merchant said, " my card was present at the time of the transaction ''. I replied, " I have and have always had my card in my possession! There may have been a card present, but it wasn't mine nor was it me! 

Since the merchant has stated that a card was present for the transaction in question, I am requesting video/camera footage from the merchant for the transaction in question. I'm sure through Citi Financials ' thorough investigation efforts, they already possess the necessary video footage, cash register #, cashier #, time and date of sale, as well a photo to substantiate their findings.
Product: Credit card or prepaid card

I purchase a XXXX XXXX back during the Holidays XX/XX/XXXX. The TV was scheduled to arrive XXXX XXXX. During the Holidays there was a large volume of packages delivered to my apartment complex between XXXX and USPS. I came home to a package I assumed was mine. When I open the package it was the wrong product. They delivered someone else 's package to my door. Therefore, my package was missing. I returned the wrong item to the person who came to claim her package. I was on the search for mine. I called XXXX and told them the update. Nobody at XXXX seem to be helpful. Even when calling them back with updates of my package not being delievered to my door. Neighbors told me they seen a large package between 2 units. Thats all i could find out. I sent XXXX a clear email of the situation ( UPDATE ). They seem to not understand XXXX. Therefore i open a dispute with my capital one for package never received. They closed my dispute for no logical sense. I reopende the dispute today XX/XX/XXXX. My money needs to be return or i will be taking further actions against XXXX and capital one. XXXX is responsible for their deliveries. They used XXXX as the shipper since they were overwhelmed with delivering packages. The usps is the worst at delivering packages in my area already. I need my money back now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at WESTLAKE FINANCIAL SERVICE . 

This letter is in reference to a NO DATA PAYMENT with the account number XXXX. XX/XX/2020 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the no data payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a no data payment on my credit file. I am hoping that your organization will consider removing this NO DATA PAYMENT from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My Credit Card Payment was drafted from my Savings account, not my Checking account resulting in XXXX {$35.00} overdraft fee and XXXX {$35.00} returned item fee. I called Wells Fargo on XXXX/XXXX/2016 and they said the best they could do was refund 75 % of the fees, and i would have to call the credit card department and get them to authorize 100 % of the fees to be reversed. I said i did n't have time to be transferred at this moment because i was at work and would take the 75 % until i could call the credit card department. I called the Credit card department today and they refunded me there {$27.00} returned payment fee and informed me that they could n't authorize my saving account to be refunded at 100 %. I got transferred back to the savings department that informed me i had already been refunded all i was allowed. I told them I was suppose to have 75 % of both {$35.00} dollar fees reversed, but they reversed 75 % of XXXX fee and 50 % of the other. I asked if i could just get 75 % of both as i was promised and they refused. I asked to speak with a supervisor and the Wells Fargo Representative said they couldnt refund anything more because i had already accepted the partial refund. I believe the whole cause of the overdraft was bank era and i have proof that my savings from the last 6 months was never drafted for my credit card payment. thank you for hearing my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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, have 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

Santander consumer reported late payments to the credit reporting agencies and my score dropped XXXX points I have a car loan which was on autopay since purchasing the vehicle. I have laid ontime and paid more than the note each month I relocated and contacted Santander to update my address and change bank accts. The mgr was excessively rude to me. This was XX/XX/2022. In XXXX I was updating my budget and realized Santander had stopped taking funds out of my bank acct, reported my to credit agency. I immediately contacted Santander to find out what happened. I was notified I owed over {$3000.00} and they could remove the {$39.00} dollar late fee. I asked why was t I contacted the rep said I was phoned but no message was left, the mgr said I wasnt phoned, the rep from exec offices said I wasnt phoned because I was placed on a do not contact list. I asked who put me on that list and why wasnt a letter sent if that was the case. I asked why three different explanations. The rep said she would review the initial call from XXXX and speak with the mgr who was rude.she also said she would ensil a letter that had recently been sent out to me I never received the email and phone back to Santander a few days later. I spoke with another rep from exec office. He said it was not Santanders fault that the auto billing was ceased and he directed me to dispute it on my credit report. He said he would email my payment history to prove I had never missed a payment. I disputed and the only change was showing two 30 day late payments were previously it showed one thirty day late This was Santanders fault and my credit is suffering Once I found out I immediately made three separate payments in XXXX and another in XXXX I need some assistance to get this off of my credit reports
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

My mortgage loan was transferred from XXXX to Shellpoint Mortgaging Services effective XX/XX/XXXX. My XX/XX/XXXX mortgage payment was paid to XXXX. My XXXX mortgage payment was paid online to Shellpoint Mortgaging Services on XX/XX/XXXX. On XX/XX/XXXX I received an Annual Escrow Account Disclosure Statement - Account History showing s contractual payment of {$730.00} with an increase to {$890.00} due on XX/XX/XXXX. On XX/XX/XXXX I received a Mortgage Statement with {$2200.00} due on XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XXXX - XX/XX/XXXX indicates no activity. included in {$2200.00} was a fee of {$830.00}. The {$830.00} was listed as " Other Fee '' balance ( details below ). XXXX XXXX : Code Violation. XXXX has not indicated that there was any code violation or fee owed of {$830.00}. In dispute this charge as well as the statement on the form of overdue payment. So far in the span of 2 weeks my mortgage has gone from {$730.00} to {$830.00} ( XX/XX/XXXX ) to {$2200.00} ( due XX/XX/XXXX ) .I was with XXXX XXXX XXXX for XXXX  years and never had the problems I'm having with Shellpoint XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, Santander Consumer USA released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give Santander permission to furnish fraudulent information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ITS SHOWS XXXX  WHEN PAYOFF IN FULL WITH XXXX  BALANCE ON XX/XX/2024XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

On XX/XX/year> I made a purchase with my Citibank credit card in the amount of {$1100.00} which appeared on my account on XX/XX/year>. I made payment by check to Citibank for the entire balance on my account of XXXX XXXX which I sent to them on XX/XX/XXXX and which they processed through their bank on XX/XX/XXXX they are not applying my payment to my account and it has been nothing but a nightmare trying to deal with customer service and get this resolved. At this point, it appears my only recourse to file a legal action to resolve the issue because I made payment for the current balance on my account. They took the money and are refusing to apply my payment to my account.
Product: Vehicle loan or lease

it think i was overcharged for this vehicle XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 i sent {$50.00} to a friend using Cash App ( Identifier # XXXX ). Cash App responded i need to pay a {$30.00} clearance fee. Same day i sent {$20.00} ( Identifier # XXXX ) also requiring a {$30.00} clearance fee. This is the first ive known of a clearance fee. i have requested Cash App refund the money.
Product: Debt collection

I owed {$560.00}. They contacted my family members that did not have anything to do with this ; even my nephew in another state. Told them that I would be served with papers within an hour. Humiliation and scare tactics. I called them back and made an arrangement. I paid {$270.00} of the debt and the last time they tried to draft out of my account - there were not enough funds. So the " mean '' man started calling me again. I told him they could resume drafts next week. He told me he would be at my house within 1 hour and I needed to have 2 forms of i.d . ready and I would be going to court on charges. I am trying to pay this back - but I do not like being bullied. This debt initiated through Advance America - but XXXX XXXX XXXX is the company harassing me.
Product: Credit card or prepaid card

Dear Mr. XXXX of XXXX or whoever is reading this email : I am a XXXX year old senior citizen who is not particularly savvy on the computer. When I was ordering a product on XXXX I noticed that if I received an XXXX credit card I would save money. I have been ordering from XXXX for many years using my Chase Visa card. When I was approved for the card, I was not told that the automatic default for payment would be the XXXX credit card on all future orders instead of my usual Visa card. The default payment was changed without my knowing this. I then made several purchases which unknowingly was charged to the XXXX card when I thought it was being charged to my usual visa card. I did not discover that you changed the default payment method until I had placed several orders in XX/XX/XXXX and XX/XX/XXXX. Once I found out that I was paying through the XXXX card for the XX/XX/XXXX order, I immediately asked that the payment be changed to my Visa card. Your company representative failed to tell me that other orders were charged to the XXXX card. I received no notice from your company that a monthly bill was due. I only found out that I was being charged on the XXXX card and that I was charged a late fee when I called Chase Visa on another matter. There was no notice sent to me that I owed money or how much was due or that I would be charged a late fee. I have never been late on a payment my entire life since I always have auto deduct. I couldn't find out how to get auto deduct on the XXXX card. This business practice is at best very deceptive, especially for senior citizens who are not savvy on using the computer. The very least you should do is let people know that if a customer orders an XXXX card they will have to change their payment method back to their usual mode if they don't want to use the XXXX card or they will be charged. You should also inform the customer when the bill due date is and that there will be a late fee. Thank you,
Product: Student loan

I felt I was deceived by the college and the loan lender on what these loans would end up being with interest. There was no truth in lending and original amount of {$16000.00} in students loans is now over $ 60K in loans and interest. I graduated in XX/XX/XXXX and this has been over my head for 21 years. THe University promised employment after graduation, they never helped with that. I have continual health problems and have had to defer payments multiple times.
Product: Checking or savings account

I applied for a Betterment Checking account on XX/XX/2020. They asked me to upload pictures of ID and Social Security card, which I did, and continued the application on XX/XX/2020. They said " We're unable to open a Checking account for you '', " we were unable to verify the information you gave us '', e.g., address, date of birth, " Unable to match identity to existing records ''. 

The information I provided was correct, which implies that the information they are comparing to is incorrect. 

I asked them to tell me the name and contact information of the consumer reporting company that provided the information used in the denial, but they refused to tell me. I believe this is a violation of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

On XX/XX/XXXX we refinanced an existing Ally Financial/Ally Capital car loan with XXXX XXXX XXXX XXXX XXXX We called Ally from XXXX XXXX on XX/XX/XXXX to obtain the 10 day payoff amount which was given to us as {$24000.00}. XXXX XXXX cut the {$24000.00} check and we sent it certified mail to the Ally payoff address. certified mail tracking shows it received by Ally on XX/XX/XXXX. On XX/XX/XXXX I called Ally to confirm it had been applied to the account and that the loan was showing as paid off with XXXX balance. I was told that the loan was in collections, that they had received the check but had placed it on a hold per their policy and it had not yet been applied to the loan. On XX/XX/XXXX I received a collection notice from Ally dated XX/XX/XXXX showing Outstanding balance of {$24000.00} plus accrued an unpaid finance charges through XX/XX/year> of {$600.00}, plus unpaid late charges of {$29.00} and showing a XX/XX/XXXX payment of {$590.00}. Since the check had clearly still not been applied, I called Ally again on XX/XX/XXXX. They said again that the loan was in collections and they couldn't talk to me about it. Eventually they verbally confirmed for me that they had received the check for {$24000.00} on XX/XX/XXXX but that it had not been applied to the account because it was " short '' funds and that they had returned the check back to me uncashed on XX/XX/XXXX. I have not yet received it. We went to XXXX XXXX XXXX XXXX again today and they stopped payment on the first check immediately and issued another check today with the same date and amount of the first check. ( again, to match the 10 day payoff amount given to us by Ally on XX/XX/XXXX ) XXXX XXXX agreed to overnight ship the check to Ally on our behalf and the XXXX XXXX XXXX  Manager told us that it is illegal for Ally to hold the check and that we should report the incident on this site. It is already affecting our credit in collections and this is not ok. Ally could give us no other explanation today for why they held the check and why they supposedly mailed it back to me a month later. All they could do was give us another 10 day payoff amount of {$25000.00} good until XX/XX/XXXX 5
Product: Student loan

The company failed to comply with XXXX benefits during XXXX XXXX and continued to increase my interest rate up to 10 % while on XXXX XXXX for the XXXX XXXX from XX/XX/XXXX until XX/XX/2022. I have submitted appropriate documentation and requested a refund for the substantial difference but have not received an adequate response from loan servicer FirstMark Services.