23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I purchased a washer and dryer from Home Deport with a CitiBank credit card I signed up for in order to get a discount. 

After multiple attempts, Home Depot was unable to deliver the correct dryer. I have receipts where I was credited for the dryer, each time they could not deliver it to my residence. 

Recently, I tried to reach the Home Depot Credit Card website because I kept getting phone mail messages about a late payment while I was at work. I was unable to create a password and I finally was able to wait on the phone for a customer service person, when I received one of the phone calls ( day off. ) The person on the other end kept asking me for personal information to verify an account, but would not tell me which account. Finally, after I explained I was not going to give out personal information over the phone from a phone call I received without knowing the details of the account, the person on the other end let me know it was Citibank for Home Depot. 

When I finally received a statement in the mail ( XX/XX/ ), the balance on the account was incorrect. The balance included what appeared to be a charge for the returned dryer. 

When I contacted Citibank card services, they indicated that even though I had electronic receipts detailing the credits for the dryers, they did not want them. They could not help me. It was my responsibility to go to the Home Depot and get the account balance straightened out. 

When I asked for an explanation as to why the electronic receipts did not reflect on my account, when the credits were clearly made on my credit card account. They could not explain and eventually just hung up on me. 

I am just now receiving a statement and aside from the phone calls, I did not receive any additional correspondence regarding the bill. I was under the impression I would not have to start making payments until they resolved the issue with the dryer. However, in addition, I have what appears to be a late charge on my account. 

I am concerned because this type of thing is hard to navigate for XXXX  people. Having these types of policies, where credits made electronically on an account do not register is unfair at the least. I had to navigate long wait times, multiple phone transfers, rude customer service personnel and eventually being ignored and hung up on. There is a segment of our society that would not be able to work through that and would probably end up paying the unfair charges.
Product: Credit card or prepaid card

I am still having issues dealing with Fifth Third Bank credit card. After my XX/XX/2018 case filed with CFPB that was closed, Fifth Third Bank still have not refunded my other balance of {$2500.00} that was remaining charges that I am still waiting for refund. The balance increased as they keep adding interest charges and late fees. Now total of {$2900.00} as of XX/XX/2018. 

The charges was XXXX, transaction date XX/XX/2018. The transaction was suppose to be use for my XXXX XXXX   call XXXX. Which unfortunately a big fraud that was detected from Federal Trade Commission ( FTC ), the case information is : FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of Florida With the court case, there's a receiver that handles and keeping consumer like myself, posted with the news. 

XXXX XXXX XXXX " On XX/XX/2018, Judge XXXX entered a Preliminary Injunction, which I have posted on this website. Functionally, it operates the same as the XXXX, except that it continues in effect indefinitely. '' Obviously the bank have misinterpreted my charges and still put the charges back to my credit card and state I received services from XXXX through XX/XX/2018. Which the service was misleading and fraud found by FTC and the case is won, consumers like me are entitled for refund. 

At this point, FifthThird Bank mailed me a warning letter this month about making payments to them, or they will take further action of garnishing my pay. This causes XXXX, XXXX from the unwillingness and refusal from the bank to look deeper into something that FTC has helped us consumer won such an important case. 

Looking forward for help from CFPB. Thank you. 

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

I keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is XXXX  going to be held liable for reporting false information?
Product: Credit card or prepaid card

I was applied this Merrill + Visa Signature Credit Card card on XX/XX/XXXX, I was received a notification says the card has been approved, and received the card within the following week, I activated this card on XX/XX/XXXX, and started to using it on purchases.
Last week friday XX/XX/XXXX, someone called me and said my card has been abruptly canceled due to their error, I do n't know how they can cancel a card which has been activated, signatured and used then unilateral canceled without further consult with me. 

There is no any reimbursement or replacement about cancelling this card and they even mailed me more of this card user agreements. 

I really want this card, but due to lack of transparency and reasoning, I need a further investigation about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Kohls/Capone ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Kohls/ Capone ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Kohls/Capone ) , continues its collection efforts, I will file for litigation for actual damages caused and ( Kohls/Capone ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

I received a letter in the mail from Bank of America stating that I had just recently applied for a " Bank of America Travel Rewards Visa Signature Card '' and since the person impersonating me had sent in 2 applications for the same card, Bank of America was sending the letter to inform me that the second application was going to be ignored, and that they would process the first application. The letter reference number is XXXX. I called Bank of America at XXXX and they transferred me to their fraud division at XXXX. I spoke with a representative named XXXX. I explained to XXXX that I had not applied for any credit cards through Bank of America or anywhere else and I provided personal information to him so he could validate my identity. He told me the applicant had an email address of " XXXX ''. I immediately knew that this was my stepmothers email address and she was trying to take out a credit card using my name and information. My father who is deceased and I had the same name and since I had a middle name and he did not we were never classified as senior and junior. Back in the late XXXX 's my step mother and he had put me in {$XXXX worth of fraudulent debt by taking out loans using my social security number. XXXX confirmed for me that my stepmother had used my social security number on her application for this card. The identity theft issues had become so bad in the early XXXX 's that when I got married in XXXX I actually did a legal name change through my local court system to take a different last name so that creditors could clearly see that my father and I were 2 separate people. In late XXXX my father and stepmother had gained access to my current mailing address and started having all of their casino gambling promotion literature sent to my mailing address, then I started to receive all of their IRS documents and filings to my mailing address. I suspected at that time that they were not declaring their casino winnings on their taxes and they were trying to make the IRS think I was the person they would want to track down if an audit was going to be needed. This was what prompted me to to do the legal name change. Since doing that name change I have not had any issues until now, however my father passed away 2 years ago and it appears that my stepmother is attempting to steal my identity by using my vital information to take a credit card out in my name for her use. XXXX with Bank of America  read off the vital information on the application and items like my phone number were out dated and no longer accurate, but it was information my stepmother last had regarding my vital info. Once XXXX told me the email address on the application I knew immediately it was my stepmother who had applied. After my phone conversation with XXXX he emailed me some information on how to report the fraud alert and report the fraud to the FTC. I have since called all three credit bureaus and placed a fraud alert on all there, and a credit freeze with XXXX since this was the bureau that bank of America uses to process applications. I will also be reporting this to the local Sherriff 's department today as well.
Product: Debt collection

I was contacted by Sunrise Credit by a young lady name XXXX XXXX regarding an XXXX XXXX XXXX bill that was owing. I know that the debt was mine and accurate and wanted to settle it. From the beginning I told her that I wanted to take care of it so that the negative information would not hit my credit report. I gave her my debit card info XXXX it is linked to my checking account ). My purse was stolen which carried my debit card in it. It was a mess for me, having to order replacement cards, social security cards for me and my children, license etc. that I forgot to call Sunrise. XXXX called me back and informed me that my payment was declined. I told her the above situation and she stated that she would call me back, I told her to call me Tuesday XXXX because I would have my new card by then. Well the morning of XX/XX/XXXX, I was alerted that negative information was added to my credit report. When I checked, it was from Sunrise. I was never told that it would be on my report if I had an arrangement. I immediately call Sunrise and the lady that I spoke to told me that it would not be removed as the arrangements were voided. I am confused a sa consumer because I spoke to XXXX XXXX time within the same week, keeping her aware of the situation about my card and she never mentioned the negative reporting. Had I known this I simply could have provided my checking account information. This company has scammed me and refuse to right the situation.
Product: Credit card

On XX/XX/year>, I tired using the Capital One Travel portal to change my flight, which included an upgrade to First class for an additional {$340.00}. Prior to this, I was on the XXXX  XXXX website and saw the price of the ticket was {$530.00}, so this difference was equivalent to the ticket I had already purchased. 

However, right after putting in the request to Capital One, the price on XXXX  XXXX website increases to {$870.00}, and I get a call from Capital One saying the upgrade request was now double the price at $ XXXX. 

Basically, putting in the request at Capital One flagged the Alaska system, and I was never able to redeem the quoted price. I have screenshots to prove the timing of these changes. Price check on Alaska was around XXXX, Capital One request before XXXX, then the call me ( call log attached ) at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This was not sent in error, i am a consumer by law and my information is being misused. Now I have some false accounts on my credit report that are not 100 % accurate.
Product: Checking or savings account

ON FRIDAY XX/XX/XXXX, I RECEIVED A FRAUD EMAIL ALERT FROM CHASE BANK REGARDING A SUSPICIOUS ATTEMPT TO CHARGE TO MY BANK ACCOUNT, I SELECTED THE OPTION THAT I DID NOT RECOGNIZE THAT CHARGE, I THEN PROCEEDED TO LOG IN MY BANKING APP AND NOTICED THAT MY ACCOUNT WAS CHARGED {$1500.00}, I WENT TO CHECK MY WALLET AND NOTICED MY BUSINESS DEBIT CARD WAS ALSO MISSING, I CALLED CHASE BANK IMMEDIATELY AND EXPLAINED THE SITUATION, AND TOLD THEM THE CARD MAY HAVE BEEN USED IN STORE AS IT IS A BUSINESS DEBIT CARD AND THE PIN IS WROTE ON THE BACK DUE TO MULTIPLE EMPLOYEES USING THE CARD AND SHOULD THEY NEED THE PIN IT WOULD BE ON THE BACK OF THE CARD, CHASE CANCELLED THE CARD AND I WAS TOLD THAT I WOULD RECEIVE A TEMPORARY CREDIT WITHIN XXXX BUSINESS DAY, IT IS NOW THURSDAY XX/XX/XXXX OF THE FOLLOWING WEEK AND I STILL HAVE NOT RECEIVED ANY CREDIT NOR HEARD ANYTHING FROM CHASE AND EVERY-TIME I CALL I GET A DIFFERENT ANSWER AS TO WHY I HAVE NOT RECEIVED A TEMPORARY CREDIT. I AM AT A STAND STILL BECAUSE I DONT HAVE A PHYSICAL CARD, AND BECAUSE CHASE IS REFUSING TO TEMPORARILY CREDIT THE ACCOUNT SO I CAN TRANSFER FUND TO ANOTHER ACCOUNT TO CONTINUE MAKONG MY DAILY PURCHASES NEEDE FOR THOS BUSINESS, IT HAS BEEN VERY FRUSTRATING AND VERY UNPROFESSIONAL ON HOW THEY TREAT THEIR CUSTOMERS WHO ARE VICTIMS OF THEFT. AS IF WE ARE CRIMINALS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX and XXXX, as well as reporting completely inaccurate balances due. ( Please see pages attached from my credit report. ) There isnt an outstanding balance due on these accounts. I have attached a copy of the post from the Consumer Financial Protection Bureau stating that the student-loan servicing company XXXX is steering borrowers toward suboptimal repayment options. The interest they are showing that is being charged is absolutely usury ; is illegal and is resulting in completely false reporting. In addition, the false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting

Recently filed a dispute with regards to collections account, namely STATE OF MI OFFICE CHI Account Number : XXXX .... Report on experian reflects that payments are not made towards this account. The active status of this account is marked FP - failed to pay. I have filed a dispute requesting that Experian report the correct status of the account or remove it from my credit profile. State of Michigan is a government agency reporting debt of child support. This agency should be bound by The Fair Credit Reporting Act and report collection accounts accurately just like any other creditor. In my case, the account is closed and the Circuit Court has ordered payments to be made on the balance. Monthly payments have been made for the past 3 years as ordered, these payments are NOT reflected in Experians reporting. Instead each month the account reflects a declining balance from each payment and is recorded as Negative. There is no payment history recorded. See attached documents that further support my dispute.
Product: Credit card or prepaid card

The month of XXXX my promotional period for three items came to an end and they told me I had 30 days to make the payment of {$2800.00} to have the interest reversed I made the payment at the end of XXXX and Ive been calling them for one month to get my credit interest of {$1400.00} which I was charged due to the promotional period ending. As of today XX/XX/21 they tell me the amount that I paid which was the XXXX was the wrong amount they gave me. I made over 5 phone call in the month of XXXX and no one said this to me until today.
Product: Mortgage

My property is scheduled for sale for this Monday, XXXX XXXX at XXXX for XXXX. It is currently valued at XXXX. I am ready, willing and able to resume monthly payments with a modified loan but an official told me today in a tape recorded telephone call that they refuse to do so. I need time. Thank you for your help in stopping this sale!! 
I have been attempting to modify my loan since XXXX of 2011. I have needed to hire XXXX lawyers, XXXX for modification and XXXX for bankruptcy during this time period because of a lack of cooperation and honesty from Wells Fargo and my mortgage holder. I have been denied modification because of lack of hardship, which is untrue, and now a high income XXXX. They have had no intention of granting a modification, since a meeting with the mortgage holders, but have been continuously requesting monthly payments. An official I spoke with in 2013 said my mortgage holder does not give more than XXXX modification, yet they have accepted modification paperwork continuously as my monthly payments have compounded. 
My original mortgage was XXXX plus an additional loan of XXXX. The XXXX loan was needed to be able to purchase the house. Because of the predatory nature of this loan, it was modified from 8 % to 4 %. The XXXX loan was forgiven this year. 
At that time I experienced extreme hardship. I was also paying off my house mortgage in XXXX. I was unable to rent that house because the town did not approve of having renters. We had moved to XXXX after being put on XXXX as a XXXX. My wife was also XXXX during that time, but became XXXX due to school construction XXXX.. My wife was awarded social security XXXX because of her incurred XXXX. She is of XXXX and has been a victim of prejudice professionally and even in this loan process. My parents and mother in law have died during our hardship and we have been taking care of my father in law, a XXXX XXXX victim. 
Wells Fargo refuses to work with me in this loan modification, even though they have received XXXX of dollars to help home owners. Please help me to delay this sale so I can resume payments again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX shut down my checking and saving accounts on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.