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

I have a Citi Visa card for XXXX.

I pay my bills ... using Bill Pay through my XXXX XXXX account. On two occassions I was charged a " late fee '' for payments that my bank told me had been delivered on time.

I appears that although the check arrives in time ... there is a delay in when it is processed. After wasting time with my bank and Citi customer service ... I changed the due date to give them an extra 2 days to credit my account. They had charged me {$25.00} x 2 for these incidents ... but that was eventually refunded.

I did not receive a paper statement in XX/XX/XXXX ... and since I don't use this card on a regular basis ... I figured that no payment was due. Today, I learned ( through repeated calls to my cell phone ) that I missed a payment. I paid it immediately out of my checking account ... but they refused to cancel the {$25.00} late charge. [ Oh, they also had the wrong bank and checking account associated with my Citi account ] I have no intention of continuing my business relationship with Citi. However, it may be that they have found several new ways to generate late fees! I have another VISA card ... which I manage in the same way ... and have had no fees for many years.

After XXXX XXXX   ... I wouldn't be surprised if this " slow down '' in crediting an account or missed statements was deliberate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX remarks from all three credit bureaus XXXX last payment date : XX/XX/XXXX XXXX last payment date : XX/XX/XXXX Experian last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but Experian also has my account being charged off in three consecutive months.
Product: Credit reporting or other personal consumer reports

This reporting of incorrect information is very damaging to me and will not be tolerated. I am fully prepared to take legal action against the responsible party. I do not want to file suit against your company if it is not warranted. Please furnish me with written confirmation that you have or have not been contacted by the creditor regarding the above account number. If you have not I will focus my attention on the creditor instead of your company. If you do not respond, I will assume that you did provide the inaccurate information and I will be forced to follow through with filing a lawsuit against your company. As I stated before, I am quite sure that you have not been contacted considering the nature and circumstances of this dispute, but I do request to see that in writing. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. CAPITAL ONE XXXX.
Product: Debt collection

In XXXX i met with a neighborhood dentist XXXX XXXX XXXX to get an estimate on doing some work on my teeth. the estimate was for quite a bit of money as it involved some implant work. XXXX XXXX 's office proceeded to assist me in applying for XXXX for which i was approved. I didnt want to make such a rash decision on such a big investment and wanted to search for additional estimates through different dentists. I never returned XXXX XXXX XXXX 's office until i received my first XXXX statement which indicated XXXX XXXX XXXX had been paid for work he had not done. I went around in circles with both the dentist 's office and XXXX and assumed it had been taken care of. 

Fast forward to XX/XX/XXXX, i received first a XXXX for XXXX and then a few days later a XXXX for that XXXX. 

There are numerous errors within this case that need to be further investigated and rectified. 

XXXX disbursed funds to the dentist whom had not even performed the procedure. 
The dentist accepted funds for work he never performed and the funds should have been returned to XXXX. 
I was never served with paper in XXXX and therefore had no knowledge of what was happening. There was no service of process. 

It is unfair and unjustifiable that i now have a judgment against me and am still missing teeth since i have yet to haev the work on my teeth done. 

Upon learning of the judgment, i reached out to all parties involved including XXXX, XXXX XXXX and Midland Credit Management. I havent heard back from the dentist and have been unable to resolve anything with XXXX. 

I have attached numerous x-rays of my mouth along with my dental exam reflecting all my missing teeth that have yet to be replaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with someone from JPMCB, on XX/XX/2022, that the account was going to be removed from my credit file. To this date the account is still reporting on my credit profile. This is a violation of my rights. A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX has been reporting an account JPMCB CARD XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of 2022, and they stated it was removed, and then reinserted, by the original creditor.
Product: Credit reporting or other personal consumer reports

The balance on the credit cards have been reduced. 
The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage. If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score..
Product: Student loan

On XX/XX/XXXX the President waived all interest on student loans. I made a payment to my student loan held by Navient on XX/XX/XXXX to my consolidated loan. Navient collected the interest on the loans first, then applied the the remaining payment to the principal amount. 

It seems they are functioning as normal and not following the President of the United States orders. I emailed a complaint to their website and told them i would be contacting the CFPB. Please keep me in the loop with how this complaint will be processed. 

Thank you, XXXX
Product: Credit card

In XX/XX/year>, I received a letter from Bank of America requesting verification of my social security and identity. I promptly visited the Bank of America branch and with the assistance of the branch manager, contacted the credit card department. During the conversation, I was informed that I needed to provide my Social Security card, W2 form, ID, and a copy of my passport for identity verification. After promptly submitting the required documents and following up within two weeks, I was informed that my credit card had been closed due to suspicious activity on my account. Despite emphasizing that there had been no fraudulent activity and minimal card usage, Bank of America proceeded to close my account without valid reason.
Product: Credit reporting or other personal consumer reports

PayPal reported two accounts to XXXX. I have no open accounts and no balance due. I was not aware of two accounts, only one. It was paid off using PayPal phone payments months ago. Two days ago my Credit score with XXXX was XXXX the unauthorized open account reported to the credit bureau dropped my score XXXX points. My accounts are paid in full. This error will delay or cancel my loan for medical procedures. 

These accounts must be closed and show paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am filing this formal complaint against OneBlinc regarding the misapplication of my payments and ongoing discrepancies in my loan account. Despite my efforts to address this matter directly with the company, my concerns remain unresolved, and their lack of transparency and responsiveness has left me with no other option but to seek your assistance. 

Specifically, OneBlinc has been misapplying payments I made to my loan account. It appears that these payments are being credited to a cash advance that was fully paid off in XX/XX/year>, please see anttachments, instead of being applied to my regular installment loan. Although I have been out of work recently due to illness, I have consistently made efforts to pay any past-due amounts each month. Despite this, my account reflects an outstanding balance of {$430.00}, which I believe to be inaccurate. 

Additionally, I have encountered significant difficulty in obtaining assistance from OneBlinc representatives. Every attempt to escalate my concerns to a supervisor has been met with delays or lack of follow-up. Their website also fails to reflect accurate payment records, further compounding the issue. 

This lack of accountability and transparency has caused undue stress and confusion, and I am deeply concerned about where my payments are being allocated. I request the CFPBs assistance in ensuring that OneBlinc : 1. Conducts a detailed review of all payments made to my account.

2. Correctly reapplies any misallocated payments to my regular installment loan.

3. Provides a clear and accurate account statement reflecting all payments and the true balance owed. 

I trust that the CFPB will investigate this matter thoroughly and hold OneBlinc accountable for their actions. Thank you for your time and attention. I look forward to your response.
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, 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

ACS education services is applying all my extra payments towards my loan balance towards the interest of future payments. They are not allowing me to choose which loan disbursement my extra loan principle payments are applied to. I would like to apply the extra principle payment towards the disbursements with the highest interest rates. I do not trust their interest and principle calculations and the amount put towards interest differs every month outside of a normal amortization schedule.
Product: Credit reporting or other personal consumer reports

I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX  fraudulent amount is XXXX and also XXXX XXXX XXXX is fraudulent amount XXXX I have no knowledge of either one of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3400.00}, {$1600.00}, {$5500.00}, {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account.
Product: Checking or savings account

TD Bank NA decides to close my account for digital fraud. I still have roughly XXXX in the account still and they have yet to cut me a check or wire it to me. 
Their reasoning was for not giving me back my money was I have to physically go to a branch to get back my money. I am not sure if TD knows but there is a global wide pandemic going on and traveling across countries is impossible. 
I was redirected to their " Demarketing '' Department but was left on voicemail every single time I call that line. They prompted me to tell them my reference number ( which I was never given and when requesting for one, they don't know what it is XXXX, my account number, phone number, and best time to contact me. I have provided them with all the information I can give, but to no avail, they have yet to contact me. I have tried emailing them, calling them, and even went to my local XXXX home branch to try resolving this issue but TD decides this was not worth their time. It has been almost a month and I have finally received a letter from their head office saying my account and relationship with them are closed.
Product: Prepaid card

This is a {$100.00} gift card. I removed it from it 's packaging and went to go use it. The transaction was declined due to a {$0.00} balance. 
I called the issuer XXXX times, spending a total of XXXX minutes to no avail. The vendor is U.S. bank # on the back of the card is XXXX. A representative said that they would be faxing and mailing me documents to fill out for the claim process. They did not fax or email me anything. U.S. bank says that resolving the worthless card issue is contingent on receiving back the paperwork that they say that the sent out. This is clearly a scam and my {$100.00} have been stolen.
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, 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 written instructions
Product: Credit reporting or other personal consumer reports

I filled XXXX  XXXX bankruptcy, this creditor has not made any adjustments to my credit report to reflect that account as being included. I have disputed with no help. I have reached out to the company via email and they say they will get back with me but never do. I am stuck with this card reporting a balance on my credit report. My trustee gave me the go ahead to start rebuilding my credit but I can due to this card reporting as open and over the credit limit. This card should be reporting a {$0.00} balance and included in bankruptcy/closed. I have a decent bit of credit cards and every single one of them have done this but this one has not. Please help
Product: Credit reporting, credit repair services, 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 updated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX  XXXX,
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices which violates the XXXX XXXX XXXX XXXX XXXX Cash app failed to have timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected. Furthermore their dispute and resolution services was unfair and deceptive because they didnt comply with error resolution requirements/requests under the E. F. T. A . REGULATION E. These action have caused significant inconvenience and financial loss/distress and I seek appropriate redress for these actions.
Product: Mortgage

I had worked with XXXX and XXXX XXXX trying to refinance my loan. Everything was great and they worked hard to earn my business over my current mortgage company which was trying to have me refinance with them. All was great until the loan did not close on time.. which was going to cost me an additional XXXX in interest. Premier Option Mortgage was no longer able to follow through on their promises and I backed out of the refinance as it no longer made financial sense for me. They blamed me for delaying the closing although there was ample time and I was never forewarned that the closing would not occur on time as promised. After I backed out of the loan, they got very nasty!!! They will still not give my current loan company the FHA number so they can proceed with the refinance after multiple calls to them. Other false promises that the company made include they stated that they would reimburse my appraisal fee regardless of whether they were able to proceed with the refinance or not as they were confident they would earn my business. After the deal fell through, they are stating that they never stated that and will not reimburse for the appraisal as they had previously promised. Also, before I pulled out of the deal, XXXX had promised that he would pay {$500.00} towards the first payment and later told me he never said that. Luckily that was in writing and then he pretended he did not remember. I have XXXX concerns ... they will not reimburse the appraisal as promised and more importantly, they will not provide the FHA loan number so that I may finalize my refinance. They make false promises to get people in the door. I wish I had recorded my phone conferences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently recieved a report from experian stating my report had been " fixed '' i dont know how i couldnt get info needed over phone and wasnt able yet to send verifacation requested to obtain needed info. It has address still never resided at phone number dont recognize im puzzled how they " fixed problem '' without input or " info '' from me dont know who provided or " corrected info. Its not corrected and i will try contact experian but will also mail disputes. Very odd and also Credit Karma had account opened XX/XX/2020 with email not mine credit checks ran monthly sometines several times got still getting XXXX XXXXXXXX " pre '' approved offers dont want but lost access to email trying to resolve with credit karma and find out who opened account with my name but not my email. Been ill hospital etc but also documents stolen etc reported police. Been over year since ordering reports id theft tax returns personal docs stolen out vehicle. Discoved recently key copy made im pretty certain without permission. Phone XXXX multiple and ongoing dispute false accusations no security personal devices admint retail demo developer call redirect no help resolving XXXX or XXXX gotten worse. But will contact credit Karma again new email and XXXX on how or who provided " corrected info '' or verification to " fix report not fixed and very bizarre. My id theft reports after filing and cybercrime fbi etc before gettingbanswers email phone charge jacks burnt up etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the remaining items listed on my FTC report
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX : XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX