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

This all happened from the past 4 weeks and is still going on. I am having a major problem with my Citi simplicity credit card and I have been through absolute XXXX with their customer service for hours and hours and days and days and I just can't take this anymore. I have made a lot of payments on my card to get rid of the cash advance fees but I have now had my card blocked because they said I have 2 returned check fees and a failed debit payment. When I looked on the statement I saw that they indeed received those payments from me with a confirmation number on the exact same days that they gave me those fees. The money has been taken from my bank account and they have put a hold on XXXX XXXX $ payments all while giving me those return check fees. After fighting with them for so long I finally started to make progress as they were going to remove those fees and put my money back on the card as well as I was promised by multiple people that since I went through all of this for no reason that they were going to give me XXXX dollars worth of credits because of how badly I was treated. This was all promised to me from managers. It has now been a week and they put XXXX on my card which I went to go use and they declined it and took it right back. I was so upset that I was promised all of this for everything they put me through and received nothing. In fact I did get a woman that thought she put me on hold and actually mocked me to her co workers in whiny voice completely making fun of me and are just playing games with me now and I have bad XXXX and XXXX problems as it is and this whole mess is making me sick. The funny thing is that yes I have to have consent from them to record the phone call but I do not have to have the consent when I am placed on hold for long periods of time. Well it just so happens that I didn't fact get the woman who placed me on hold mocking me when she thought she put me on hold and that is a serious problem and I am going to discuss this with my lawyer. Citi has really screwed me over and now I get mocked for wanting what is owed to me so please let me know if there is anymore of a blatant disrespect and disregard for a customer and a complete showing of defamation of character and I will be talking to my lawyer about the way I have been treated.
Product: Bank account or service

My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX American Express shared my account information without my consent to all XXXX  credit bureau.
Product: Payday loan

Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX. 
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify. 

I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.
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  Account # 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: 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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiri

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

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with XXXX and Experian, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal  Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.
Product: Mortgage

I originally obtained this HELOC loan through E-TRADE mortgage back in XX/XX/XXXX because I had a huge hole in the front of my house due to water damage, so I was desperate. E-TRADE offered to help but I was skeptical because when I tried to tell them my income over the phone they would put me on hold then com back and say, " oh so you make XXXX a year, '' which was about XXXX more than I made but I went with whatever game they were playing cause I needed the money. In XX/XX/XXXX I filed for bankruptcy and all my debt was discharged accept the HELOC, it was reaffirmed. Now the only advantage for me to reaffirm that loan was to help rebuild my credit and by law the lender is required to report my payments to the credit bureau. They did not. I brought this to their attention several times but they continued to treat my loan like it was discharged. So fast forward to XX/XX/XXXXand E-TRADE raises my payment from {$260.00} a month to over {$900.00} on a {$82000.00} loan. I called them and told them there was no way I could pay that. It was way more that my 1st mortgage. I tried to get them to work with me but they were nothing but rude, so I quit paying. It was the only way to get them to work with me. 18 months later I found out they sent my HELOC to XXXX, a debt collector/loan servicer for discharged loans. I have tried to settle with them for a lesser amount a few times through refi but each time my financing fell through. XXXX had approved a settlement 18 months ago for {$35000.00} but once again financing fell through. I now have financing in place and offered them even more, {$37000.00}, but this time they said they want {$90000.00}. So here I am with a loan that they never reported any payments on in 9 years. This loan should not be tagged as a reaffirmed loan since it was never treated as such and I should not be accumulating overages and past due amounts over the bankruptcy amount of {$82000.00}. I would really like XXXX  to honor their agreement that we had to settle at $ XXXX or for this loan to just go away. I tried to due the right thing and make my payments after bankruptcy and have not missed any payments on any of my loans accept this one. I really feel I was forced into a bad situation and ETRADE never followed the law on reporting. It's too late to report 9 years after the fact and it would now hurt all the repairs I have done to my credit. I need some help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

( The Consumer Financial Protection Bureau ( CFPB ) has recently filed a complaint against Experian, citing several violations including failure to forward consumer-provided evidence to furnishers, accepting unreliable data, and not adequately notifying consumers of dispute outcomes. These issues are consistent with my own experiences with Experian, XXXX, and XXXX. Despite providing substantial evidence, these credit reporting agencies have neither corrected nor removed disputed items from my credit report, which has led to ongoing credit issues and intentionally maintaining my score at an unreasonably low level. 

I am requesting immediate corrective action to remove or amend all disputed accounts. These agencies ' failure to comply with federal law and their disregard for my rights as a consumer is unacceptable. Specifically, under 15 U.S. Code 1681 ( b ), 15 U.S. Code 1666b, and 15 U.S. Code 1692g, I am entitled to the removal of late payments, charge-offs, and collections. Additionally, 15 U.S. Code 1681e ( b ) mandates that all collections be removed if inaccurate information is reported.

Over the past five years, I have sent multiple dispute letters to these credit reporting agencies, requesting the removal of inaccurate accounts. Despite my efforts, none of the disputed accounts have been removed, and my credit score continues to remain in the 600s, frequently dropping below XXXX. I urge immediate action to rectify these discrepancies in compliance with federal regulations.
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 {$8300.00}, {$8200.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Product: Mortgage

NewRez LLC not honoring our original mortgage service contract and is changing terms/fees to egregious levels in some cases raising fees from {$30.00} to {$30000.00}. 

Not only is this a breach of contract and fair dealing is beyond unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my brother was moving to the west coast for work and opened a checking account at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the west coast in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When XXXX XXXX reported this to the credit bureau ( s ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( s ), I went to the XXXX XXXX branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have XXXX XXXX  state I was responsible. I have spoken with XXXX XXXX several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( s ) but can not discuss the issue with me. If XXXX XXXX is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Discover bank deduct {$21.00} from my bank account for the reason of mis calculation of cashback rewards previously. I don't believe that I was not eligible for the cashback at that moment. What's more it's against the law for a bank to directly take money from a customers account without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00}
Product: Credit card or prepaid card

The following reprinted advertisement is a lie. I have not been able to contact any direct express customer service agent over the phone. The mobile app and the web site are not adequate to address my concerns. A high call volume is no excuse for not being able to get through to a customer service agent or being hung up on. This is outrageous and my money is being stolen. By the time this letter arrives and is processed how much money will be taken out of my account? This has always been an issue with Direct Express for all the years I have had the card. NOT using the card does not resolve the issue. 

I am having an issue with unauthorized withdraws from : XXXX XXXX XXXX XXXX XXXX d/b/a XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX Already have a Direct Express card? 
For all questions related to the Direct Express card, cardholders should call : Customer Service XXXX Customer service is available 24/7 We handle calls related to : Reporting lost or stolen cards Balance inquiries PIN changes Transaction history requests Registering a complaint about a card issue Questions about card usage Questions about international card usage You can also write to us at : Direct Express, Payment Processing Services. XXXX XXXX XXXX XXXX XXXX, TX XXXX What good is this ad if you can not get thru. Plus you don't get a routing number and you can not update anything with out a customer service rep.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter to Citibank CBNA and requested the 1099C for my account since they had reported it as a charge off for XXXX. They denied my request.
Product: Credit reporting or other personal consumer reports

I did not authorize chexx services or any other reporting agencies or companys to share my personal information. 
I have asked equafax XXXX XXXX XXXX services to remove an delete inquiries and some other reports that I did NOT authorize to be removed from there reports at my request and they have not done so
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX since XX/XX/XXXX. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX I live in XXXX. I am asking removal of all 3 debts and inquiries.
Product: Credit reporting or other personal consumer reports

There have been multiple disputes as well as request letters mailed. The most recent dispute date XX/XX/XXXX, letters mailed XX/XX/XXXX and XX/XX/XXXX. A copy of the letter is below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for 1099 Form To Whom It May Concern, I hope this message finds you well. I am writing to request a copy of my 1099 form for the tax year XXXX. I believe I should have received this form, but I have not yet received it. 
For your reference, my details are as follows : Name : XXXX ACCT # Please send the requested 1099 form to the address listed above or to my email address at [ Your Email Address ]. If you need any further information to process this request, feel free to reach out to me at the phone number listed above. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX keeps calling for an employee at work. Employee is in XXXX - employee sister owes the debt
Product: Debt collection

I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.
Product: Debt collection

It has come to my attention that my identity has been stolen and several accounts have been open in my name and this is one of them.
Product: Mortgage

Chase Bank requires that I furnish my SS # on a Recorded Line or they will refuse any communication re. my XXXX Bank Accounts and XXXX Mortgage. I request that they accept the last XXXX digits of my SS # like other institutions, they refuse, it is not their policy. Or I offer to give them my entire SS # on an unrecorded line, they refuse. I ask for alternative verification, there are none. I ask to be referred to a Supervisor and each time I am transferred, I receive this message after a few minutes : " Sorry, we can not continue processing your call ''. 
With serious Privacy Concerns these days, I am very careful who I give my SS # to, and do not trust that a recording of my SS # will not be shared with others. I believe this is an act of " Invasion of Privacy '' and request your intervention. 
Chase 's only solution, according to Exec. Offices, is to go directly to a JP Morgan Chase Bank to transact business there, which is somewhat inconvenient when I simply want to ask a few questions. I usually have to wait for at least 1/2 hour before I receive any service. 
When I contact Consumer Financial Protection Bureau and Office of the Comptroller of the Currency, I am informed that if I am unable to obtain assistance from my bank, I should file a complaint, which I am currently doing. 
Can you assist me with this problem with Chase Bank?
Product: Credit card

I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX security code XXXX on XX/XX/XXXX at the XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have reason to believe that it was used fraudulently. The thieves somehow knew that there was {$70.00} on the card and attempted a purchase for {$69.00}, made about XX/XX/XXXX. The latest reported balance on the card was {$0.00}. It was reported to me that the transaction was refused but the money has not been returned to me. To evade my report of a fraudulent transaction the customer service phone XXXX  does not permit one to file a complaint or connect with any customer service, referring callers to XXXX. For a least the past XXXX WEEKS it has not been accessible. It does not permit a site visitor to log in, saying " a system error has occurred. Please try again later. '' I believe that I have successfully submitted my case to them ( XXXX ) and it has been ignored.