23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Citi AAdvantage Credit Card offers, like many of their cards, pay over time plans. These plans do not incur interest at your normal card rate but do generally include a plan fee. 

Their site is advertising a plan fee of " - '' implying that the plan fee is {$0.00}. They do have an asterick that this fee is included in the plan monthly payments. The wording implies that the fee noted ( in this case {$0.00} ), is what is included. However, if you multiply out the payments * months, it clear that there is a fee and the payments made over time will be greater than the current total. 

This is at best a site glitch and at worst false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Product: Mortgage

Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.
Product: Checking or savings account

I opened an account with UMB Bank on XX/XX/XXXX and was approved after seeing a promotion they had for both a checking and savings account ( {$300.00} promotion for the former ; {$200.00} for the latter with the savings account promotion only requiring a deposit, nothing more ). The promotion was not geographically limited and I was accepted out of their footprint. On approximately XX/XX/XXXX, I was locked out of my account with no contact at all until XX/XX/XXXX when they called and left a voicemail. In an email I received that day, I was told I needed to submit documents proving who I was. The email address they told me to send the emails to bounced back as undelivered.
Product: Credit card or prepaid card

There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information. 

This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.
Product: Prepaid card

I filed a dispute with chime and they keep saying it's under investigation but they don't have much to investigate. I purchased bt headphones they didn't work. I reached out to the person and no response of course. So I filed a dispute and chime has failed me. They're a slow company who allows their customers to get ripped off without pulling back the money. 

Avoid chime at all cost. Their a rude horrible company who is all about money and not the I've had multiple prepaid debt cards and their the worst thus far.
Product: Credit card or prepaid card

Unauthorized Charge and Unsatisfactory Customer Support from PayPal Credit Card Issued by Synchrony Bank What Happened? 

On XXXX I noticed a charge of {$390.00} on my PayPal credit card, labeled as a " Payment Correction. '' Upon contacting customer support, I was subjected to a series of transfers between departments, disconnects, and misinformation that have left me deeply unsatisfied and concerned about the handling of my account. 

Dates, Amounts, and Actions : XXXX : Discovered the unauthorized charge of {$390.00} on XXXX, labeled as " Payment Correction. '' Multiple Dates : Contacted customer support regarding the claim multiple times, resulting in : - Being hung up on by different departments. 
- Misinformation regarding the nature of the charge, including being told it was related to a balance transfer or a previous payment dispute claim that had already been resolved on XXXX 
- Lack of access to past payments due to a system upgrade, causing further confusion. 

Based on a letter received by the company on XXXX XXXX XXXX XXXX Original payment dispute claim was made for the amount of XXXX XXXX : Claim denied and was charged for the dispute reversal at the same time, leading to confusion regarding the new " Payment Correction '' charge on XXXX  as this is a duplicate charge. 

My Words : I feel utterly betrayed and ignored by PayPal Credit Card and Synchrony Bank 's support team. I approached them in good faith, expecting clarification and assistance with a mysterious charge. Instead, I was subjected to a nightmare of transfers, misinformation, and abrupt hang-ups. The confusion between a 'balance transfer ' and 'payment correction, ' the inability to access previous payment records, and the consistent failure to provide clear answers has left me not only out of pocket but deeply frustrated and distressed. The charge, described as a 'payment correction, ' was tied to a previous payment dispute claim that was already resolved nearly a year ago. The lack of coordination and compassion displayed by their support team was a disheartening experience that seemed designed to wear me down rather than help me. I am seeking the CFPB 's intervention to not only correct this financial mistake but to ensure that no one else has to endure such an infuriating and disheartening experience.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report. The items in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable. According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report. Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance. In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law. I also request the Method of Verification ( MOV ) for how this information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told Equifax did a proper " investigation '' on my credit report however, after contacting the company myself it was reported that Equifax never actually contacted them about this issue. I have proof that the company agreed to remove this fraudulent account from my consumer reports as soon as possible.
Product: Checking or savings account

I have requested to close my MangoXXXX ( XXXX XXXX XXXX ) account in XXXX. They said the check was mailed on XX/XX/XXXX. However, I still havent received my paper check of the balance ( {$6100.00} ). I have called them multiple times to try to solve the problem, but it still hasnt been resolved. The last time, the representative told me they have reissued a new check to me. However, there is no tracking number and no any status for this.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX XXXX XXXX XXXX I was Born on XX/XX/2000, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. 

Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act XXXX has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I wrote to Transunion asking to verify accuracy on accounts ( 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 Nothing was corrected. I wrote again asking for proof and nothing was sent. After that I wrote the 4 creditors asking for a original signed contract showing validation and I did not hear anything back from the 4 creditors. I have proof where I sent certified letters. I am asking to have all 4 Creditors permanently removed from my credit profile. Thank you for your help.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts that DO NOT BELONG TO ME. 

XXXX. XXXX XXXX Balance- {$650.00} This has been on my Consumer report for over XXXX months now. Everytime I submit a complaint I get ignored or told that the account is rightfully mine without any one demonstrating any proof as to how they came up with this information. I was never notified of this debt and it does not rightfully belong to me. There are other people locally that have the same name as me seeing as it is a very common First and Last XXXX  name where I come from. 

XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Balance - XXXX This account never belonged to me, and when I called in and spoke to a representative they told me the easiest way to get this removed from my consumer report would be to pay the debt off in full which I was reluctant to do seeing as I never defaulted on an account with this company. I have many properties and would have known if that was the case. I paid this debt off and they promised it would be removed XXXX days after payment was processed which was a lie because it is still on my consumer report. I have the recording in my possession which can confirm what I was promised and how I was misled into paying off an account that never belonged to me which is ILLEGAL!
Product: Credit card or prepaid card

I received a call from capital one asking if I tried to open a new credit card account for a large amount on XX/XX/22. I let them know that I didnt they agreed to remove it in 60 days, told me to call the credit bureaus. I put a fraud alert on my reports & XXXX had me file a report here.
Product: Credit card

American Express notified me on XX/XX/XXXX that if i didnt pay them {$2800.00} by XXXX they were going to consider cutting my credit limit. I called them immediately and they told me that I " i had to wait till i was cut down and then i could file an appeal. '' I updated my new increased salary on my American Express profile and made a balance transfer of {$1000.00} to reduce my balance on XXXX. 

On, XX/XX/XXXX, a Sunday, American Express emailed me that they were cutting my limit by XXXX effectively " maxxing out '' this account. They said it was because I " had not been making enough payments '' even though I have made the minimum payment consistently and have been a card holder since XXXX. They effectively will cut my credit score in a week.
Product: Credit reporting or other personal consumer reports

Several times to try to get in contact with Equifax to remove items off my credit report like XXXX XXXX they refuse to remove it off my credit report its a thing showing on my credit report and then XXXX cant get no credit at all US code 1681 and they refused to remove it. There is XXXX inquiries and there is XXXX higher inquiries. I would like for them to be removed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the listed items from my file immediately. Thank you. 
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 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
Product: Debt collection

Firstly, I never received any notice of this debt. I did not receive a phone call, nor did I receive any written notice. This debt went directly onto my credit report with ZERO form of notice. Which makes this scenario twenty times worse is that I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have filed several disputed fraudulently statements with XXXX  Credit Bureau and XXXX  Credit Bureau for an investigation for several months against American Express ( Green ) continuing reporting false account No. XXXX, opening dates inXXXX is false reporting, the amount paid per month is not reported on correct account No.XXXX and closed the false account on XX/XX/XXXX as charged off, updated on XXXX. I filed a dispute with the Federal Trade Commission on XX/XX/XXXX, and FTC forwarded the Investigation Complaint to the Consumer Financial Protection Bureau, ( CFPB ), including this fraudulently dispute against AMEX Acct. NO. XXXX in the amount of {$4900.00} reported on XX/XX/XXXX, closed on XX/XX/XXXX is not my account, did not opened in XXXX, and the correct number is XXXX, not reported. AMEX did not justify the certified reason these incorrect acct. NO 's are listed into my Credit Report and refused to remove these fraudulently accounts & refused to report the correct accounts and amount paid as agreed on the correct accounts that I did not opened in XXXX. XXXX & XXXX  refused to investigate and reduced my XXXX from XXXX to FICO XXXX, including fraudulently dispute against XXXX XXXX XXXX false debt of {$4800.00}, XXXX XXXX XXXX & XXXX Collection of {$150.00} and XXXX XXXX XXXX XXXX XXXX, Acct. NO. XXXX fraudulently reporting that I am 30-56 days late, disputed not late, destroying my future of purchasing a home in XXXX, NC. near my daughter & four grands. Please Investigate my Complaint. XXXX XXXX, SSN XXXX, XXXX XXXX XXXX, XXXX, North Carolina XXXX.
Product: Credit reporting or other personal consumer reports

Lexis Nexis Consumer Center this third party violated the FCRA in reporting bankruptcy information, as a consumer I would like to take action, including : Delete the information of Bankruptcy listing immediately. 
Civil Remedies : To sue for damages under 15 U.S.C. 1681n ( willful violations ) or 15 U.S.C. 1681o ( negligent violations ). These damages can include : Actual damages, statutory damages ( up to {$1000.00} ), and punitive damages.

I believe this third-party Lexis Nexis Consumer Center has violated my rights under the FCRA, I have suffered anxiety, emotional suffering, and XXXX due to these violations.
Product: Credit card or prepaid card

I have travel insurance through my Chase Sapphire Reserve credit card. This insurance is offered by XXXX. My mother and I had a trip planned from XXXX to XXXX, but had to cancel due to her falling acutely ill. I submitted a claim on XX/XX/2023 for reimbursement of our covered costs ( flight, and hotel ), per their policy, including all requested documentation. I provided this documentation directly on their site, as well as via email to be sure. 

After not hearing back from them, I contacted them. They claimed I had not submitted a physicians statement or monthly billing statement document the charges, both of which I had done. I resubmitted this documentation on XX/XX/2023. 

On XX/XX/XXXX, they again requested my monthly billing statement, which I had now submitted to them three times. 

On XX/XX/XXXX, I was told that I was missing the monthly billing statement, relationship to traveler, physicians statement. After reviewing again, the agent told me that she had found the billing statement, but couldnt find the physicians statement and relationship. 

I asked to speak with a supervisor who told me that they had all documents but was missing diagnosis. I explained that would be a HIPPA violation. Supervisor requested proof of reimbursements in the form of monthly billing statement. I provided this. The supervisor told me that they were going to proceed to " final processing '' of my claim, and from what he could see, the documentation was in order. 

On XX/XX/XXXX, I received an email, with a copy of their physician 's statement document that they requested me to fill out. After explaining that the documentation I had provided should suffice, the examiner told me they would not proceed until they had this specific form filled out. Nowhere on their site, or Chase 's site does it cite this specific documentation as necessary, or the information they are saying they must have ( diagnosis and date of onset ). 

It seems as if the insurance agency is clearly drawing out the claim in the hopes that I abandon it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is TRANSUNION STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.
Product: Debt collection

Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Equifax that they were reporting inaccurate information on my public records they launched and investigation and said their credibility source was accurate with information. They never contacted the courts in regards to this issue and the court has stated they do not provide information to the credit bureaus as such. Equifax continues to report theses bankruptcys with out providing validation and XXXX is not a credible source.