23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi has overcharged my account by {$490.00}, and refuses to correct the issue. This stems from a merchant dispute, which I have resolved with the merchant and withdrew my dispute. Citi reversed the conditional credit on my account twice, resulting in an overcharge to me. I have contacted Citi a total of 9 times now, without resolution or even an acknowledgment. My account is still showing that I owe an additional {$490.00} that I do not owe. The history is as follows : Initial Charge by Wayfair on XX/XX/XXXX in the amount of {$490.00}. On the XXXX statement, a conditional credit was issued in the amount of {$490.00} on XX/XX/XXXX. On the XXXX  statement, a conditional credit was again issued for {$490.00} on XX/XX/XXXX. This conditional credit was reversed on XXXX  in the amount of {$490.00}. On XXXX the conditional credit reversed in the amount of {$490.00}. And again on XX/XX/XXXX the conditional credit reversed in the amount of {$490.00}. I have now been charged four ( 4 ) times in the amount of {$490.00}, with two credits issued. Citi must issue a credit to me in the amount of {$490.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called CITI bank to let them know I had been laid off ( as of XX/XX/XXXX ) and asked them what was put in place in response to the COVID crisis. I was told nothing was in place but I would be informed. I also reached out to XXXX that day. The XXXX day of every month is the day I pay for all my credit cards. XXXX enrolled me automatically in the COVID program on XX/XX/XXXX. 

I received in XXXX alerts regarding my credit score which had been downgraded. I didn't pay attention at first. Then reached out to Citi and they told me I had not made 2 minimum payments on XX/XX/XXXX and XX/XX/XXXX, acting like if I had not proactively reached out to them. I was eventually enrolled in the COVID program and was told I would not have anything to think about until XX/XX/XXXX. Yet, they refused to cancel my late fees. Citi continued to reach out in XXXX XXXX XXXX and XXXX ) asking why I had not made the payments in XXXX, XXXX, and XXXX. I took the time to explain to the agent the mess I was in because of their complete disorganization : they reported me to the credit bureau, issued new cards which I have ( still ) not received, have continued to try to charge fees. She admitted my account had not been updated thus the phone calls. 

I feel I am the victim of Citi complete disorganization and it has affected my credit score in a way I never imagined. During my last phone call, I asked to escalate my problem. I waited and was told there was no supervisor available but I would be contacted by a supervisor in 24 or 48 hours. It has been over 2 days and I have not heard from anyone at Citi. In times like these, one want to deal with a serious credit card company and Citi card didn't show professionalism not even empathy. Shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my Transunion credit report. I was neither informed of their intention to report this account, nor did I consent to it being included in my credit history. 

This account was added without following proper procedure, as I was not given any notice or opportunity to resolve the issue before it was reported. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that consumers be notified when adverse information is being added to their credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, Acct # XXXX has violated my rights. 

604 15 USC 1681B 15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute several times about the XXXX Account reporting inaccurate information and also providing transaction history on my consumer report. 

Each time Experian has verified that the information is correct. 

I have proof from the creditor that they are not reporting the inaccurate information to Experian this is beyond unacceptable unfair practices
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are continuing to report incorrect information. There are several late payments being reported on my consumer file that have not been properly verified as accurate. TransUnion has late payments listed in XXXX XXXX XXXX of XXXX XXXX is not reporting any late payments and XXXX has late payments listed as XXXX and XX/XX/XXXX this account can not be correct. It cant report 3 different ways. Remove these late payments immediately to reflect paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

I purchased a current debit card for my daughter for XXXX. Before even having money on the card the card number was stolen and people were trying to make purchases. I had transferred {$100.00} from my bank account into the prepaid account but once I learned the number was already stolen I requested the money be returned and the account closed. I requested the transfer XX/XX/2021 and never received the money. No one at the company will contact me.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

3 years ago maybe longer debt for XXXX XXXX was XXXX and it affected my credit score lowering it from that point my credit went up to XXXX and this XXXX debt was REFRESHED on my credit score how can they resubmit a debt for collections that affected my credit score AGAIN I am confused by this can someone help me
Product: Credit card

I had a Target store card and they " upgraded '' it to a credit card that can be used anywhere and it was stolen, I informed the credit card company and they sent me an affidavit. I filled it out and sent it back. A month later I received a letter from Target saying my claim was denied and because I did n't provide them with a police report ( they never shared I had to ) and when I asked why noone called or communicated that I needed to get one, they stated they do n't have to tell me that. They are now sending threating letters to report it to my credit and everytime I call to speak to XXXX ( the claim specialist ) she refuses my call and " supervisors do n't speak to consumers on disputes ''. I need someone to step in because this is unfair treatment of a consumer.
Product: Checking or savings account

I have been fighting with navy federal for violating consumer federal laws. Ongoing Unfair restrictions on my account, my account blocked couldnt view my statement and it didnt allow me to see my history. When I requested investigations nothing was done. My account was frozen I could see anything. So basically they froze my account and disabled services.

They are reporting inaccurate information to the credit bureaus and ruining my reputation They took money out my account to pay a delinquent account without authorization They took away the oops program They have taken money out my account I disputed a change I didnt recognize they totally ignored me and never refunded my money nor did they give an explanation to what happened.

I also requested open ended credit Im entitled to you that was totally ignored. 
Apparently this is their practice as theyve done this to me and many others file no XXXX. 
I have also many several complaints regarding them violating the federal consumer laws XXXX, XXXX, XXXX, and XXXX I have XXXX small children to care XXXX  I have custody of them after my daughter transitioned ( XXXX ) I need my money times are hard this has caused me stress anxiety sleepless nights
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I began the process of communicating with TransUnion, XXXX, and XXXX to address MAJOR inaccuracies on my credit report AND my credit file. Despite these repeated attempts, all XXXX CRAs continue to disregard my letters and my dispute submissions via their respective online portals. As a result, I continue to be financially disadvantaged and harmed by all XXXX CRAs for their repeated negligence and recklessness in regards to their poor maintenance of BOTH my credit report and credit file. It has also caused my FICO score to drop to the low XXXX and caused me to be denied credit by several potential creditors. Specifically, TransUnion, XXXX, and XXXX continue to violate 15 USC 1681 ( e ) which states in part, that the CRAs are required to " assure MAXIMUM POSSIBE ACCURACY ''. My credit report AND credit file are different and none of them are accurate across all XXXX CRAs. Specifically, I have XXXX address ONLY and have only lived in XXXX state which is New York. Yet, all XXXX CRAs list addresses in CA and PA none of which are mine. Despite numerous letters sent to all XXXX CRAs other addresses continue to be misattributed to my credit report and credit file. I have also sent a notarized police report AND notarized FTC identity theft report as evidence that my identity was stolen yet all XXXX CRAs have ignored these legalized documents and violated my federal rights. 

Additionally, all XXXX CRAs continue to report inaccurate transaction history in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which is under " Exclusions '' to the consumer report and states in part that information pertaining to the " transactions or experiences between the consumer and the person making the report ''... Thus all XXXX CRAs are in violation of this code by continuing to include the financial transactions and financial history of the credit accounts on my report. Additionally, all XXXX CRAs further violate both of these codes by reporting inaccurate balances because they never include the cents amount ALONG with the dollar amount of those alleged balances and transaction histories. For example, I attempted to dispute this with XXXX however I was prevented from doing so on their website ( see attachment ) and it prevented me from doing so. TransUnion and XXXX have locked my account, respectively, on their websites so I am unable to continue disputing these inaccuracies online.
Product: Credit reporting or other personal consumer reports

I cant understand why inaccurate accounts are suddenly showing up on my credit report. Ive been diligent in checking my credit regularly, and this is the first time Ive seen such errors. I even tried refreshing my browser, hoping it was just a technical issue, but the problem didnt go away. Im pleading with you to review the documents Ive submitted carefullyI cant live with this uncertainty any longer.
Product: Debt collection

I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done.. 

XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I used " PayPal Holdings , Inc '' services to receive money for a watch that I was selling. I used the " PayPal Friends & Family '' option as it should be more secure for the seller so you don't have to worry about chargebacks. A PayPal user by the name of " XXXX XXXX '' sent me {$5800.00} on XX/XX/2022 for my XXXX watch. I followed up with him and made sure that he got the watch and he confirmed that he did. We went about our way until XX/XX/2022. I received a message from PayPal stating that the buyer requested a refund because it was an 'unauthorized ' transaction and PayPal took {$5800.00} out of my balance as soon as they sent me an email so that I could provide documentation to dispute this chargeback. I also called PayPal about two weeks prior and spoke with two different employees ( all calls they state are recorded so there should be proof ) and both of them said that there is no way a buyer can claim a chargeback using the " Friends & Family '' method as we used for this transaction. PayPal did not adequatly verify that a user using their online financial service ( which should have adequate security to protect both buyer and seller from fraud ) was authorized to make a transaction and it is potentially put me in financial trouble as I could lose {$5800.00} and the buyer never offered to return the watch and PayPal automatically removed the funds from my account.
Product: Debt collection

On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from XXXX XXXX in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to Midland Funding. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky Court House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a Payment to   XXXX   XXXX  a  old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from  3rd p arty.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two th ings : : : They do n't have me  as a credit collections c lient and therefore it should be remove according to FCRA la w [ 623 ( a  ) ( b ) ]. Or ....     Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law  [ 623 ( a ) (  b ) ] should also be removed.
Product: Credit card

I recently ordered a new debit card from PNC after discovering that my old card was being used without my authorization. PNC issued me a new card, but to my surprise, they also shared my new card information with companies I had subscriptions with. The reason I requested the new card in the first place was to stop those companies from charging me after I had canceled my subscriptions. I assumed that getting a new card with a different number would prevent this from happening. PNC did not have my permission to share my new card details with any companies.
Product: Credit card or prepaid card

XXXX : I used my Apple Card ( Goldman Sachs - XXXX XXXX XXXX XXXX XXXX purchases via the XXXX XXXX. My credit limit was {$1500.00}. My purchase was + {$1800.00}. 

Much to my surprise. XXXX approved the entire purchase. I attributed it to good standing - credit history/score, whatever algorithm the company implores as part of their transactional workflow. 

I was never prompted that the purchase exceeds the limit. I was never prompted nor given the option to pay the difference using an alternative payment method. I was given XXXX indication that this could potentially be a derogatory transaction - or reported as such in the days to come. 

XXXX : I received an alert from XXXX monitoring services indicating there had been a change to my XXXX XXXX. When I checked, my XXXX XXXX had fallen over XXXX points. XXXX POINTS! I have worked diligently and tirelessly over the past XXXX  years to repair my credit. For the first time in a long time I was above XXXX and trending higher. This was devastating, and appalling. XXXXXXXXXXXX  reported the balance- as over limit. Again, they approved the purchase, provided NO OPTIONS, and then reported it. How is this acceptable?!? 

XXXX / XXXX : I immediately contacted Apple Card customer support. I tried to ask if they could increase my limit to cover the difference, or what my options were. They said they couldn't really do anything - and that I could possibly file for another increase- which I did and was denied - or I could contact XXXX, because they don't deal with anything more than transactions. 

I have not contacted XXXX directly. With transparency - I don't think I could hold my composure and it wouldn't be fair to the customer service rep. 

XXXX : I paid the entire balance. 

XXXX XXXX is still showing and counting against my limit the installments that were supposed to be made. Like a revolving balance - even though the entire balance was paid. 

Apotheosis of deliberate, predatory credit lending and practices. 

Sincerely, XXXX points less due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my free annual credit report from Equifax via XXXX about a month ago, and although I answered all of the ID verification questions properly the web site rejected my request and directed me to submit my request by phone or mail. I then submitted my request by phone to XXXX on XX/XX/2019. Although the automated system confirmed my request was received, to date I have not received my report.
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 {$3300.00}. 
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 XXXX  XXXX, 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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Product: Debt collection

Hunt and Henriques is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. However I am a creditor in XXXX and XXXX XXXX XXXX is in possession of my stolen property and is violating my rights by trying to collect from me. This debt is currently being disputed in bankruptcy and there in an ongoing criminal trial and net they are debtors to me and committed massive fraud, so I owe them nothing. I do not wish to speak to anyone from either company, and any attempt to contact me is inappropriate and is harassment. Resolve the matter through XXXX, which is the restructuring agency. Also, you better revoke the toxic stuff you reported to credit bureaus about me not paying my debts on time. YOU DEFAULTED ON ME! YOU DON'T PAY YOUR DEBTS ON TIME! YOU ARE HARASSING ME! STOP!