23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received XXXX citibank ( prepaid.citi.com ) gift cards for my XXXX tax return. The citi website is nearly impossible to navigate with circular links that return you to the home screen. 

I had to create XXXX accounts to access the XXXX cards I received, meaning that to check the balance on both cards I had to logout, clear my cache, and log in again ( or use XXXX different browsers ). 

The system froze while I attempted to access, again preventing me from accessing my funds. 

Finally, there is no way to see your entire balance so while I know I was charged a {$3.00} maintenance fee XX/XX/2016 ( the first time I logged in ), I have no idea whether I had previously been charged a fee. To that end, whenever I agreed to receive a gift card as part of my tax return, I certainly never agreed to pay a maintenance fee for the same.
Product: Debt collection

I was told that if I paid off the great amount that which was XXXX payments of {$170.00} and I paid on XXXX & {$170.00} and i paid XXXX and final payment XXXX that I would get a XXXX balance and it would be taken off my report and would not show negatively negatively on my report credit report and that is not true they lied and the balance information is not right we agreed upon an amount and they said that they would take it off my credit and it would not negatively appear on my credit report and that is not true I want it removed it is showing bad things about me and it's misrepresenting cuz I paid it off
Product: Credit reporting or other personal consumer reports

To whom it may concern, The report on Bankruptcy is incorrect. The BK was not filed/Discharge and it was DISMISSED dated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I signed up for the Southwest Rapid Rewards card with the following offer : Earn XXXX bonus miles after you spend {$1000.00} on purchases in the first 3 months from account opening. I have not received this sign on bonus after spending over {$2000.00}. I contacted Chase multiple times about this and have been told that I do not meet the requirements. This is now the XXXX time this has happened to me. Chase bank is doing XXXX  business practices. They claim the offer was actually spend {$3000.00} get XXXX. What they appear to be doing is running XXXX parallel offers and do a bait and switch on the consumer, saying they actually signed up for the other offer. This is illegal.
Product: Debt collection

I had an old debt with a XXXX XXXX Credit Card that was bought by Glasser and Glasser , PLC. I made payment arrangements. I paid what I thought was the full outstanding amount. Unbeknowst to me, I had an outstanding balance of XXXX. Glasser and Glasser filed in the District Court of MD case # XXXX to garnish the full amount on XX/XX/XXXX This amount was garnished by my financial institution : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD, XXXX. Glasser and Glasser did not notify me in writing of the intended garnishment. My bank answered the garnishment request on XX/XX/XXXX as recorded by the District Court of MD and sent all necessary paperwork as requested to Glasser and Glasser. I have called on several occasions as well sent multiple emails requesting an order for signature from Glasser and Glasser to release the funds to satisfy this debt. I have gotten nothing but the run around from this company for the last month stating that they do not have the paperwork from my bank. I have included a collections representative from my bank in each email and he as well has reached out to the company providing copies of paperwork sent and requested that anything additional be sent to my bank. The only answer we receive is to call again! This is the contact information : XXXX XXXX ( She is the individual I have spoken to and emailed multiple times ) Senior Account Manager Glasser and Glasser, P.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX ( fax ) XXXX XXXX Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Balance : {$40000.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Loan transferred from XXXX to Aidvantage ~ XX/XX/XXXX. I have made five payments since the transfer of loan servicer from multiple bank 's ( XXXX & XXXX XXXX ) bill pay services. 
XX/XX/XXXX {$50.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$300.00} ( one is pending {$270.00} made directly on their website ) While on their website ( after Thursday 's payday ), discovered on Friday that I had {$82.00} in unpaid interest on my XXXX sequence loan, XXXX {$0.00}, XXXX {$0.00}. Mental math told me it should not be that high, so I did some digging. 

XXXX balance {$6100.00} XXXX ) 6.8 % {$1100.00} balance {$5.00} accrued interest to the XX/XX/XXXX XXXX ) 6.8 % {$2400.00} balance {$12.00} accrued interest to XX/XX/XXXX XXXX ) 6.0 % {$2500.00} balance {$11.00} accrued interest to XX/XX/XXXX total interest for 27 days {$29.00} XXXX  Called on XX/XX/XXXX Friday XXXX eventually after making several selections through the phone tree it informed me that they were closed. Wrote down their hours. XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 

Monday XXXX called at XXXX and held for 5 minutes without reaching a person. Needed to head into work. Called again at XXXX and held for 13 minutes without reaching a person. Tuesday XXXX called at XXXX and held for 48 minutes without reaching a person. 

It appears that rather than the simple single loan two step process ( 1. unpaid interest 2. unpaid principal ) they have three pages of allocation and application complexity for multiple loans ( I have a XXXX, XXXX & XXXX ). 

On their website discovered how to select between their five options in my account profile. None of which is exactly or clearly the best for the consumer but instead is best for a debt collector. 

It defaults to overpayment allocation : Highest Interest Rate- the overpayment is paid to your loan with the highest interest rate. 

I changed it to Lowest current balance - the overpayment is paid to your loan with the lowest current balance. 

Option which is not clear how they would apply - is prorate by monthly payment amount- we prorate the overpayment across all the loans you select. The calculation is based on the monthly payment amount. If the system current says I have XXXX not sure how that would work. 

What I would like is for the unpaid interest to be paid in full if my payment amount covers all the accrued interest across loans. This way interest does not compound on itself. Then pay down the principal amount. 

I deal with amortization schedules in my daily job and have worked in customer service...
Product: Debt collection

On XX/XX/XXXX we received notification from XXXX XXXX XXXX about an attempt to collect an outstanding debt from XXXX XXXX XXXX XXXX in the amount of {$250.00}. ( SCS Acct # : XXXX ) We responded to the attempt to collect with a dispute on XX/XX/XXXX providing a 5 page written document and multiple pages of supporting bank account documentation and sent it via the US Postal Service to the mailing address provided by SCS XXXX Inc. ( XXXX XXXX  XXXX, XXXX, NY. XXXX ). This response to the Attempt to Collect was well within the 30-day  window required by law. 

On XX/XX/XXXX, at approximately XXXX Hours, we received a phone call from XXXX advising us she was reporting our outstanding balance to XXXX XXXX XXXX XXXX to the credit bureaus as we had not shown proof that we had filed a dispute or paid the outstanding balance of {$250.00}. ( SCS Acct # : XXXX ). 

XXXX also further stated to my wife that she had not received any formal documentation from us, felt we were lying, and XXXX XXXX XXXX is a multi-billion dollar company so why would they care if our credit was damaged due to our inability to pay. XXXX was told it was not an issue of our inability to pay, it is that we are being made to pay for charges we did not incur after our account was closed and this was not the first time we'd played this game with XXXX XXXX XXXX and on principle alone, we were not willing to pay them for services not rendered. XXXX did not leave an extension or call back number. 

XXXX is incorrect in that we DID send an entire packet of hardcopy documents to Sunrise Credit Services on XX/XX/XXXX via the XXXX Postal Service and CCd to our retained legal team at XXXX XXXX XXXX. 

Attached below you will find the entire letter initially sent to SCS , IncXXXX and the supporting documents attached as PDF copies. All of the attached documents provide a very detailed breakdown of the disputed amount and reasoning. 

All documentation was also emailed to multiple email addresses at SCS, IncXXXX on XX/XX/XXXX at approximately XXXX Hours.
Product: Credit reporting or other personal consumer reports

15 US Code 1681c-2 a consumer reporting agency shall block a reporting agency of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TP PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open XX/XX/, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the Branch Manager, XXXX, which is the Branch Manager at the XXXX, Missouri office, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on the remaining amount on the account XXXX. I would like a response in 30 days, in order to proceed with filing.
Product: Student loan

Nelnet took over my loans in 2015 @ a locked in rate of 4 %. To date, I have made over XXXX in payments and only XXXX has been applied to the principle and XXXX in interest. I have asked for a payment schedule and I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 report agency can not furnish an 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.
Product: Debt collection

I demand that midland credit stop communicating with me as described in the fair debt collection practices act. That act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium to which I especially want this company to cease communication.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$680.00} 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

Midland Funding has been on my credit report for over 3 years. I have asked repeatedly for validation of this debt to no avail. They were reporting multiple times on other accounts that they have deleted, but seem to want to linger on this one. This debt account # XXXX has been reporting monthly as if I have an contractual agreement with them on 1 month terms. I have never made or had an agreement with them. They have also reported this same account multiple times as Midland Credit Management. I sent them  a letter on that, and they removed the multiple reporting 's of the same account. They advertise on their website of removing and deleting accounts older than 2 years, but yet have removed this one. I am asking CFPB to help me put this to rest as Midland does not seem to want to resolve this issue.
Product: Mortgage

We are current on our loan paying bi-monthly and Wells Fargo charged a late fee.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraudXXXX 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

The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, Equifax, and XXXX  credit reports. Please delete immediately. 

The Account : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

EVERY time that I have called someone at that company, they are NEVER helpful. I want to turn the page on this matter already. I DON'T KNOW WHAT XXXX XXXX IS. I SIMPLY WANT/NEED THIS INQUIRY TO BE REMOVED FROM MY CREDIT PROFILE. SPECIFICALLY -- -- -- -- -- A PERMISSIBLE PURPOSE LETTER SENT TO ALL 3 BUREAUS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 card

This credit card company that I have the Credit Card with is called US Bank. Owned by XXXX. The dates are between XX/XX/year> and today XXXXXX/XX/year>. This is a really crooked company and they could care less about the customers. They play horrible games with the customers and they lie about everything. I asked them for a credit line increase 3 times and they never gave me one. 

They locked my account 2 times once last week so i could not charge this is for my company for Business. They are trying to put me out of business. After I called and said why is my account locked down for 8 days without being able to use it. they said that is what they do even after you make a payment. I called 3 times and complained and they released the hold after they had told me they were not putting it on hold. That was last week with the last payment now today XX/XX/year> I am locked down again because I charged more since then and when I got ready to give them a check. They said even though you are paying today to make your act. whole. We will still not let you charge the shirts my customer needs today. because they have a hold on my act. from last week when they said I did not have a hold. This is the most XXXX  people I have ever delt with in my life. Do not use this company they do not care about their customers. I have a XXXX credit score and all these people do is play games. Again I have a business card that I use for business and they will not let me charge anything even after I paid them. Consumer beware they are not there for the working man. they are crooked. I waiting to see if they will cheat me out of my bonus I am sure that will next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a citibank checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this
Product: Checking or savings account

CIT bank had over {$300000.00} for almost 3 months then locked me out and now I am waiting for them to send my money back. No answers, impossible to get a reply when I will be receiving the funds. Please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Repetitive calls, multiple times a day, every single day, starting at XXXX. Never leave a voicemail.
Product: Credit card or prepaid card

XXXX XXXX well the first amount there some merchant took it, it's my problem still pending stated XX/XX/2020 next amount today XX/XX/2020  from a direct deposit they holdingmy money told me i have to wait a 24 hours to try to get my money as they block a card my acount been -XXXXdollars since the XX/XX/2020 i suppose to got my deposit today they said you got it yesterday. And you fell you question asking XXXX.
Product: Credit card

Pomelo Card XXXX XXXX XXXX XXXX XXXX, CA, XXXX I did not authorize them to hit my credit From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to see where I authorized you to do two hard hits on my credit?????

I want these removed off my credit score. 
I will file a complaint with the FCC. 
I was just inquiring about sending money to the XXXX then I get these two hits on my credit.

Remove them ASAP.

Even their own website says they do a soft hit, but this is not true
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent reporting of an account on my TransUnion, XXXX, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

from XXXX XX/XX/2020 until today XX/XX/2020 i couldnt usde my card then i tried calling customer service of bank of america and got the run around and no help resolving the issue my amount i have on the account is $ XXXXi need a replacement card or have them transfer my money to my other bank