23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms.
Product: Credit card or prepaid card

I value my relationship with the bank this is not a complaint against capital one. I went on XXXX to hair dresser after they promised me they would honor XXXX dollars for color. they did not keep that promise. I tried to explain this on my time to dispute supervisor. I said initially i want to dispute the XXXX dollars. they ripped me off. Of course they will differ but i know what happened. i was going to get a groupon for XXXX they said we will honor the price they do that to get more money so i avoid groupon. in the end they overcharged me. In addition on Monday XXXX i started feeling pain in my XXXX  XXXX  sure enough i have a XXXX  XXXX XXXX i am still recovering from. i emailed them as likely it was from water being left in my ear which likely occured there. No response from them. I now wish to dispute the entire XXXX dollars. I hope this is clear I also sent back dispute papers to back all up this is for card ending XXXX
Product: Credit reporting or other personal consumer reports

On XXXXI submitted a complaint to CFPB regarding CKS PRIME {$590.00} asking XXXX to remove this account as the account is not reporting on XXXX. In addition, CKS PRIME is reporting different data to XXXX and XXXX which I will file a report on also. 

XXXX responded to my complaint almost 60 days later on XX/XX/year>XXXX  with a canned response that also included : " Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported '' I do not believe XXXX conducted a full or thorough investigation, nor did they provide any information regarding the furnisher in which they allege they obtained the information from. 

This item should have been removed from my account within the time requirements set by the FCRA which is Federal Law Also with knowledge of the recent lawsuit against XXXX, I ask that you please review and delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.
Product: Checking or savings account

On XX/XX/2022 my wife deposited 6 refund checks ( total of {$3500.00} ) from XXXX XXXX in our Bank of America account. This checks were validated by XXXX XXXX ( Checks were XXXX XXXX ). The bank decided to close my accounts. They did not give notice and a reason for the closure. After calling multiple times they stated that the checks were on stop payment and that's the reason why they closed the accounts. After contacting XXXX XXXX they stated ( have emails and receipts of all paid checks to Bank of America ) that all checks were paid and was no stop payment on those checks. In the mean time all my funds where frozen and I had no access to any funds due to the fact that I only had accounts in Bank of America and they were closing all of them. Bank of America refuse to talk to us and treat us like delinquents, more so they did not want to contact XXXX XXXX to validate any information. After 3 weeks they send a check for {$1500.00} which is the amount of money I had before all of this happened. As today XX/XX/2022 they have the rest of my money and stated they don't have a resolution time on this case. Still give no reason for holding my funds, closing the account, and not wanting to contact XXXX XXXX. I have receipts and emails that validate all transactions related with this checks THAT I AM WILLING TO PROVIDE. The Bank of America Manager from the branch that we deposited the checks in, told us that Bank of America is doing us wrong she does not see anything wrong in the accounts and even her is disappointed that no body can explain what is happening.
Product: Credit reporting or other personal consumer reports

I reached out to the debt collector via certified mail the collector could not respond with accurate information so according to 15. U.S.C 1692 it must be removed
Product: Credit card

I filed a fraud claim with Navy Federal Credit Union on XX/XX/year> for charges amounting to {$1800.00}. on my credit card and {$500.00} on my debit card. My card was charged for purchases that were done outside of the XXXX and used In XXXX and XXXX when I have never visited those places in my life. I was Hospitalized for months due to my body rejecting a XXXX transplant. The whole time I was hospitalized I was under the impression that my belongs were put in a safe place and that the ambulance did indeed give the hospital my belongs. I later found out that somewhere between the ambulance ride and the hospital someone took my stuff and had access to my cell phone, photo ID, and my debit card and credit cards were all used and not in USA. I gave navy federal my police report and report number along with the detective information to call and speak with him. This is exactly why I am upset with Navy Federal because they not one time called the Detective or review the police report. The suspects used my XXXX XXXX credit card, XXXX credit card, and my Navy Federal Debit Card. XXXX XXXX, and XXXX all did their internal review and contacted the Detective and sided in my favor this is exactly why I am so upset with Navy Federal Because I closed my original Savings Account and Checking Account and was assigned new account numbers which was such a hard transition, and they still did not take my fraud situation serious. I am very upset at how they never reached out to me concerning my fraud claim and instead denied my fraud claim. I have called them to discuss why, and they could not give me a reason. Please help me with this situation as I am not at fault, I was completing violated and I am so upset that Navy Federal did not due their diligence.
Product: Credit card or prepaid card

I have a Citi double cash back card ending in XXXX for years. There is a Citi card benefits which says that : Did You get the lowest price on Your Citi XXXX purchase? Let Citi Price Rewind search for You.

Citi Price Rewind searches for a lower price at hundreds of online merchants on the registered items You pay for with Your Citi Card. If the same item is found at a lower price within 60 days of Your initial purchase date, You may receive the difference between the price You paid and the lower price found by Citi Price Rewind. If You find a lower price that may qualify You to receive the difference
in price, You can go to citipricerewind.com to learn more.

To be eligible for the Citi Price Rewind benefit, You must pay for the item at least in part with Your Citi Card. You will only receive the lesser of the actual amount paid for with Your Citi Card or the maximum benefit per item. 

I bought a product " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, and XXXX XXXX  '' from XXXX XXXX XXXX XXXX at {$100.00}. On or about XXXX XX/XX/2021, the same product is available at {$84.00}. 

So obviously I will try to make use of Citiprice rewind ( https : //www.citipricerewind.com/ ). But that website is down. Called customer service toll free # ( during XXXX XXXX  to XXXX XXXX  Central time on XXXX XX/XX/2021 ) ... .getting connected to Some XXXX based support where the calls are just getting transferred from one person to another and nobody knows about this and how to help me. Last person was XXXX. They transferred me to XXXX based customer service but then the call is getting disconnected. 
Citi should not blindly outsource jobs to XXXX without training these folks. Citi should take care of www.citipricerewind.com and most importantly I should get my {$20.00} back.
Product: Student loan

I had submitted a payment to MOHELA for {$3500.00} on XX/XX/year> when I thought I had to make a payment when actuality, new policies had it so that I did not have to make a payment. When I learned that this payment was not actually necessary, I requested a refund for this payment. I later learned however that the request was canceled ( unbeknownst to me ) when the MOHELA system transitioned to another platform in the summer of 2024. Since then, I again requested the refund which has still not been processed. I have contacted MOHELA via phone on multiple occasions with the bulk of the time being spent on hold ( at least 10 hours in total ) and was told that the money is stuck with the Department of Treasury without any signs of progress and certainly no steps toward resolution or end date in sight. On every occasion of speaking with a MOHELA representative, it requires multiple phone transfers committing me to waiting even longer and having to re-explain the entire situation with every representative unclear on how to resolve the issue or escalate it further. There is never any record on my file of the conversations that have been had and no progress occurs. Most recently, we escalated this at least twice to a manager who attempts to escalate our case even further, again without any indication of when progress will be made, nor any way to inquire about updates. When we request for a more direct way to call back to request updates to this case, no contact information is provided. Multiple complaints were made online to MOHELA as well to no avail. It has been over a year since this overpayment was made with no indication that our refund will ever be processed and returned.
Product: Credit card

I placed an order on Walmart.com on XX/XX/2015 for XXXX coats for a total of {$69.00}. Neither item fit so I requested a return for both items. They supplied me with a return label on XX/XX/XXXX. I returned both items in the same package on XX/XX/XXXX. I received an acknowledgement that the return was received on XX/XX/2015 but I noticed they only refunded XXXX item. I called the next morning to follow up and was assured they would process the rest of the order shortly. I followed up on XX/XX/XXXX as the other item had not been processed yet. I was assured that I should wait as they are busy. I waited again, until today XXXX/XXXX/2015. I have called them 4 times, have been disconnected each time after waits of up to 455 minutes and can not receive any assistance. They need to audit their returns and I need to be refunded!!!!
Product: Credit reporting or other personal consumer reports

Ive identified hard inquiries on my credit report that I did not authorize. Under 15 USC 16c-2, this information is inaccurate and must be corrected by removing the inquiries.
Product: Debt collection

I am requesting the removal of an account from my credit report as it has been more than 7 years since the charges were made. However, the date on my credit report is inaccurate, stating XXXX as the year of the charges. The charges were a result of XXXX XXXX, which affected me and forced me out of my home during the period when the charges were made. The amount charged was {$490.00}, but this is incorrect as the company added frivolous charges. The actual amount charged was only {$200.00}. Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding the circumstances. I can provide documents as proof that I was affected by XXXX XXXX at the time. The account is set to be removed from my credit report in XXXX, but it should be removed in XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act, XXXX XXXX, bearing Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because EXPERIAN has repeatedly failed to correct inaccurate information on my credit report despite multiple attempts on my part. I have provided my drivers license as evidence to verify my correct name, yet EXPERIAN continues to allow an inaccurate name to remain on my report. Despite my repeated requests and clear proof of the correct information, they have not updated my report, causing ongoing issues with my credit profile. I am seeking your assistance to resolve this matter and ensure that EXPERIAN corrects this error promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 XXXX Has violated my rights 15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 items 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.
Product: Debt collection

I asked the collector to provide me with the original contract or the debt assignment contract which they have continually failed to provide me to even validate this debt they either refuse or have choose not to send it
Product: Credit reporting

There is an address from XXXX or some where else that is not mine that I have never lived at before!
Product: Credit reporting or other personal consumer reports

Recieved a call about me applying for a Citi Bank Card in XXXX I did not do this and I'm in XXXX. now they gave me a conformaton number and tranfered me the next man ask me for the number I gave him a wrong number he looked it up then confermed it was correct. At this time he started to ask about my other accounts.Istopped him told him I gave him wrong number he said thats OK it does not matter. at that time I hung up. They called from XXXX XXXX XXXX  number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Chase card reported unrecognized hard inquiry on my XXXX credit report
Product: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX ACCT # XXXX XXXXXXXX is in violation of 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX and Experian ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that XXXX XXXX is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that XXXX XXXX XXXX XXXX yes threaten us with in XX/XX/XXXX as a result XXXX XXXX XXXX XXXX Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

XXXX XXXX XXXX XXXX along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront XXXX XXXX XXXX XXXX they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

XXXX XXXX Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. XXXX XXXX XXXX XXXX should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.