23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I asked the company to remove the reported late payment ( twice in XX/XX/year> ) as the phone system did not capture my payment which is not in the consumers control. I also provided medical documentation that I was critically ill with XXXX, and this was during the pandemic. When the company ignored and denied these two requests asking for the late payment to be removed, I also asked for a good faith/one-time courtesy removal which was also denied. I also asked for the to update my inaccurate balance on my credit report ( twice in XX/XX/year> ) which they also ignored, never responding to me. 
According to US Code 1666 and US Code 1666 ( b ), I have the legal right to a fair and accurate credit report! This information should legally be removed yet the company ignores my request.
Product: Credit card or prepaid card

A fraudulent account was opened in my name in XXXX of XXXX. Citibank sent a pre-filled credit card to an address I moved out of and someone got the information from it, charging it over the max. The address was XXXX XXXX XXXX XXXX, which I moved out of in XXXX of XXXX. I did not find out about this account until XX/XX/XXXX ( I never received any statements about this card, only collections calls ) and immediately had it closed and disputed. My dispute was denied, forcing me to file an official police report and Identity theft report. I filed these reports in XX/XX/XXXX and re-disputed the fraudulent account, assuming it would be easy to see that I was a victim of identity theft. However, to my dismay, Citibank has been extraordinarily difficult to deal with. I constantly call their fraud department, several times per week, asking when this account will be taken off my name. Their fraud department is a complete disappointment. I was even told by one of the employees that the reason my dispute was denied is that XXXX am the ceo of the company of one of the charges on the card ''. I am, in fact, not a CEO of any company. I work fulltime in a medical lab. 
No one can get me connected to a supervisor or manager to speak with about this account. Every request to remove this fraudulent account has been ignored by Citibank. I need help.
Product: Debt collection

NTL Credit MGMT submitted a balance that I owe to XXXX XXXX XXXX XXXX to show on all three of my credit reports. I never received a letter from them before they through this on my report. I only received a letter from XXXX XXXX at XXXX. XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX informed me via mail to reach out to the University for payment arrangements. I did in fact sent the university a letter stating that I wanted to make payment arrangements with them. I sent a letter to XXXX XXXX as well as the university. I received a letter from the university stating that it was sent to collection after the NTL Credit had already put this on my credit. I tried reaching out to NTL Credit to see why I never received a letter from them. They stated that they sent a letter and that they called two phone numbers, one of the phone numbers was a phone number that I had back in XXXX so the university would not have had that number since I took classes in XXXX. I use my cell phone for every contact number that I have had for over 10 years. NTL Credit gave my cell phone as the last number that they tried to call. I have never received any calls from them at all. Otherwise, I would have requested that they send me documentation in writing. I am also signed up for informed delivery and I can go back to all of the mail that was sent to me all the way to XXXX to prove that I have never received anything from them. I would have liked the opportunity to work this out with them before they put this on my credit and when I called, I was told it was against the law for them to take it off of my credit and if I did not pay it was going to be worse for me later on. I want this issue resolved without the threats and I would like the opportunity to dispute and/or get a breakdown of what the charges are for as I was never offered this in the beginning. I was communicating with one credit collection agency while this dept was sitting with another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, XXXX, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell Equifax it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a truck driver and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.
Product: Student loan

In XX/XX/XXXX contacted Granite State Management spoke with XXXX a service agent due to an error on my part was calling to fix payment schedule. We were able to adjust using the Covid19 payment relief available. While looking at my loans She mentioned consolidating my loans as I had two or three that were not part of my already consolidated balance. She mentioned something about consolidating will make my loans eligible for the possible relief programs that was being discussed by the government. What was not mentioned was that if I consolidate my loans all of the Income Base payments I have made over these years will reset to zero! I am waiting for the data to show how many years into the IBR repayments I am on my loans I don't have the exact number. I've been trying to pay my loans for 21 years. Based on Studentaid.gov website my loan servicer is suppose to track my qualifying monthly payments and years of repayment and notify me when I am getting close to the point when I could qualify for forgiveness 20 years or 25 years of any remaining loan balance. I may still be a few years away from this but I was NOT told I would loose my payment history if I consolidated. 

I was not able to to stop the consolidation with XXXX XXXX, I called on XX/XX/XXXX and spoke with XXXX a supervisor in the loan disbursement area ; and they were not able to stop the consolidation. Which means my loan payment count starts over at 0. At XXXX XXXX XXXX I've lost what little momentum I had. There was no warning from the loan servicers or from the Studentaid.gov that I would loose all payment history on my loans when I consolidated my loans. 

Also I do not understand why my loan balance has not gone down under the IBR plan. In the 22 years I have been with Granite State Management. I have been making payments but have not seen any movement in my loan balances. I don't understand how the government can set us up for failure in repaying these loans. 

Please help. 
XXXX XXXX
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 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 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 am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -Experian, XXXX and XXXX has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, Experian to furnish or report any information regarding my credit file.
Product: Debt collection

I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.
Product: Credit card or prepaid card

I have a Bank of America credit card. The balance due on the card, the entire charges on the card, was {$25000.00} which was due by XX/XX/2023. I paid this entire amount on XX/XX/2023. But then in XXXX I got a credit card statement that said I owed {$380.00} in interest charges. I had not charged anything else after paying the card off in XXXX. I called the company and asked them why/how they were charging me interest in XXXX after I paid everything that was owed in XXXX, and they said it was accrued interest. Any accrued interest should have been on my XXXX statement. No other credit card I have had has tried to charge additional interest after the balance has been paid in full prior to the due date on the statement. They would not remove the {$380.00} interest charge.
Product: Credit reporting or other personal consumer reports

AFFIRM INC XXXX Balance : This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason,
Product: Mortgage

Shellpoint Mortgage servicing has not paid my taxes since they purchased my loan The money is siting in escrow and I am being charged interest by the NY state government. They have made other errors as well such as listing the wrong mortgage rate.
Product: Credit card or prepaid card

I had a XXXX Visa XXXX card for traveling, i closed account last year until i returned to the USA and reapplied for my card, Comenity Bank Visa the bank has lied mislead and continue to lie and make false statements
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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX ( XXXX XXXX XXXX ) # XXXX, Department of EducationXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Payday loan

I received a payday loan from West River Cash for the amount of {$350.00} and after 1 payment of {$120.00} and another 3 for {$100.00} that the principal only went down to {$340.00}. The representative informed me to pay in full it would be over {$400.00} after paying them {$430.00}. They have me on an 18 month repayment cycle of {$100.00} a paycheck. The representative could n't answer why I would be paying roughly {$1800.00} for a {$350.00} loan. The representative, XXXX, said I have been making the minimum payments whereas the {$120.00} payment only affected the principal by XXXX cents. They only thing XXXX mentioned to me was speaking to an account manager and I did n't want to receive any abuse or harassment of any kind by an account manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 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.

Also 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;
Product: Credit card or prepaid card

Bank of America ( BoA ) regularly advertises their " XXXX XXXX Visa Signature Credit Card '' with promotional bonuses of XXXX frequent flyer miles ( or more ) for booking XXXX XXXX flights. This bonus is contingent upon completing {$1000.00} of purchases within 90 days of receiving the card.
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I applied for the BoA XXXX XXXX Visa Signature Card onXX/XX/XXXX. I saved a screen shot of the application page ( attached ), which clearly advertises a promotional bonuses of XXXX airline miles after spending {$1000.00} in 90 days.
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BoA granted me an instant approval, but misleadingly, the approval was *not* for the BoA XXXX XXXX XXXX  Signature Card . Instead, BoA approved me for the XXXX XXXX Platinum Plus Card, which has a much smaller promotional bonus of only XXXX airline miles.
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BoA did not clearly distinguish this product switch whatsoever. I received no email, letter, or other notification that my application for the XXXX  Signature Card was denied. Instead, BoA mailed me the Platinum Plus card, which arrived with no mention of either the XXXX or XXXX promotional bonus. BoA only advertises the " Visa Signature ''  version of the XXXX XXXX card on their website, so there was no reason for me to believe a different " Platinum Plus '' version of the card even existed.
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Once I received the card, I made more than {$1000.00} of purchases using the card, not knowing I would receive only XXXX bonus miles for the promotion. Once I received the XXXX promotional miles, I was confused. I waited to see if an additional XXXX miles would post to my account, which never arrived.
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Today, on XX/XX/XXXX, I called BoA and inquired about the promotional bonus. BoA informed me that because I was only approved for a {$1500.00} credit limit, I did not qualify for the Visa   Signature card, which is why I was mailed a Platinum Plus card instead. I explained to the representative that this was very misleading to me. The customer rep argued it was not misleading and offered to transfer my call to the credit department, suggesting they could explain why I was only approved for {$1500.00}. Since this would only waste more of my time, I declined this suggestion and hung up the phone.
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I strongly suspect that many other consumers have had this same issue. According to BoA, my FICO score was well over 750 at  the time of application, and I listed an annual income of more than {$100000.00} on the application. I suspect a large number of other customers with similar or worse credit scores have had the same " bait and switch '' tactic applied to them. After some cursory internet searching about this problem, it indeed seems to be a common issue.
Product: Credit card

I've been a chase sapphire preferred customer and have tried to use my benefits multiple times without success. 

I'm specifically supposed to get a {$50.00} hotel statement credit as well as trip interruption and baggage delay insurance. 

Chase and the 3rd party they've contracted, XXXX, have made using rewards and receiving the benefits prohibitively onerous to the point that they are not useful or attainable. 

The hotel credit must be redeemed through chase travel directly which prices hotels above that which can be booked directly from the hotel and 3rd party websites making the credit functionally uneconomical. 

XXXX is significantly worse than chase. They stonewall and delay at every turn in attempt to frustrate and deny claims. Their agents don't have the ability to make decisions regarding claims and the adjusters are unreachable and don't return calls even when promised. I've had XXXX flight delays and lost baggage which are all supposed to be covered expenses and have been left in the lurch and with the bills to pay without any kind of support. Despite verifying over the phone what expenses would be covered and my plan to mitigate costs in these situations eclaimsline continues to deny my claims and drag out my case. Chase who contracts eclaomsline has refused or is unable to help. I am now out ~ {$500.00} for expenses that should have been paid for by my insurance. 

The time and effort wasted to get these benefits is difficult enough, but to then be charged a {$95.00} annual fee on top of that for benefits I can't use is unforgivable. I have asked chase to refund my fee or at least administer the benefits I am owed, but I was instead rebuffed. 

I hope this complaint is able to help any current or future chase customers and that the bank will do the right thing and help me resolve these issues.
Product: Debt collection

I continuously receive calls to my personal cell phone from Monarch Recovery, XXXX, regarding my ex-husband. They identify themselves as a recovery agency ( sometimes ) and ask for him by name. I have told them numerous, repeated times that this is not his phone, we do not have a legal or financial relationship, and I have variously provided his contact information and also asked them to stop calling. I receive a call from this number almost daily and sometimes during working hours XX/XX/2016, and at least weekly during XX/XX/XXXX. I have added them to my auto-block list on my cell phone to avoid the annoying and disruptive contacts. I found out that they are also calling my mom ( his ex-mother in law ), who has even less history with him. This firm obviously has my ex-husband 's current contact information, as I discussed the incident with him and he was aware of the firm and had been contacted by them as well. It should n't be OK to repeatedly contact disinterested third parties just for the sake of annoying them into pestering a person ( over whom they have no control ) into paying their debt.
Product: Checking or savings account

Citizens Access froze my account and placed it under review. I attempted to inquire about the expected timeframe for this review, but neither the customer representative nor the supervisor could provide me with any information. 

Date : XXXX XX/XX/XXXX  Action : Tried to transfer out {$25000.00}. 
Received a text message " The transfer has not been processed. Please call us at XXXX '' Called to ask for information, but the customer representative " can not provide me any information ''. I was told the account was under review. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$8000.00} and was declined by the bank. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$3000.00} and was declined by the bank. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$5000.00} and was declined by the bank. Called again to get the timeframe on the review. The supervisor can not provide me any information regarding the amount of time or the reason why this account was under review. 

My primary concerns are as follows : Lack of Transparency : I have not received any communication regarding the specific issue or violation that led to the review of my account. It is crucial for me to understand the exact reason for this review to rectify any potential issues promptly. 

Delay in Account Access : The ongoing review has resulted in restricted access to my account, which has disrupted my ability to transfer fund out. I am experiencing significant inconvenience and financial impact as a result.
Product: Debt collection

This company keeps trying to use fake numbers to contact me 8-10 times a day. I have asked them to stop calling me several times. They are calling about an ( almost ) 7 year old debt that i have no idea about. I even gave them a verbal " cease and desist ''. They  still have continued harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX  Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX