23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase and XXXX are working together to charge cash advance fees whenever you connect a Chase card to your XXXX account. There is no warning and this does not happen when you use another credit card ( such as XXXX ). We had been using our XXXX and changed it to Chase, not getting any warning that we were using cash advance until the end of the month statement. 

The fee is {$10.00} per transaction - our transactions were {$15.00}, {$46.00}, and {$51.00}. So in the one case, this is a 66 % fee that is then subject to additional interest. 

Chase is saying this is standard practice, but it clearly isn't because XXXX is not practicing this. There should be a warning, a notification, and it should be illegal to charge 66 % fee on one transaction. 

I would never have done a cash advance if I knew it was a cash advance - I thought I was using my credit card as a credit card with a regular business.
Product: Checking or savings account

Citibank will not allow me to close my checking account. I lost my debit card recently and Citi 's online service will not allow me to replace it. Everytime I try to, it logs me out on the desktop or the mobile app freezes. You are not able to send Citi a secure message to close your account or do so on the web login, you must call Citi. When I called Citi to request to close the account, they require a debit card number for verification.They also would not replace the debit card over the phone as my security phrase was wrong even though its my mothers name and I most certainly did not spell it wrong. They offered no other help and there are no Citi branches nearby me. They're currently charging me fees for this account I no longer want and I can't get any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX ). I DO NOT have any idea regarding these fraudulent account on my credit report. I'm reaching out regarding this FRAUDULENT item and for assistance to REMOVE it from my credit report immediately. This accounts is NOT MINE.
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 XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

Back in XX/XX/XXXX, My sister stole my XXXX federal income tax check in the amount of {$4700.00} and she then got a bank account in my name thru Citibank. I was made aware of the account and I immediately called Citibank to report the fraudulent account and to let them know that my check had been stolen and that I did not open the account. I was told by the customer service rep to call the Federal Trade Commission which I did and I also filed a police report with the XXXX XXXX Police Department And i also reported identity theft to all 3 credit bureaus. I was told by the XXXX from Citibank that someone would call me in 3 business days. I never heard anything back from Citibank until a letter came in the mail dated XXXX XXXX that Citibank fraud department had honored my identity theft claim and after there investigation they found that I had no knowledge of the account. Since then Ive called over 100 times only to be told someone will call me back which nobody ever does. I recently drove from my home in XXXX to XXXXXXXX XXXX in hopes of talking to someone in person that could possibly help me with getting my check back and sadly I talked with 2 different people that like all the others I spoke with could not help me. I recently filed a complaint to the Federal Reserve who emailed me back saying they reviewed my case and sent it to the financial consumer department.
Product: Student loan

I have attempted to contact Peaks Private Loan over the years. They have wanted me to pay {$350.00} a month which I could not afford and the time and I still can not as I have XXXX other loans that I am trying to pay back to the best of my ability. At first they told me that they are not able to decrease my monthly payment. As time when on I was told that nothing can be done now as I owe a {$5000.00} Balance to bring the loan current. Last time I reached out to them they said that there was nothing that they can do because that private loan was sent to a collections agency. I have looked back into this from the paperwork I have. I have never signed for this loan it appears that XXXX took it out with out telling me that it would be a separate loan from my Federal Loan. The few sheets of paperwork that I have show that the money was sent directly to XXXX XXXX XXXX and not for my classes that I took. I was never sent paper work stating what Classes that the loan paid for. I also have my Federal Loan that shows that it paid for all of my classes except for 2 semesters that a XXXX {$10000.00} loan was taken out that was informed about. I believe that I am a victim of an XXXX Fraud Scandal, I remember signing for and giving permission for my federal loan and the {$10000.00} loan for when I was not able to get finical aid but I have never and would never sign a {$40000.00} private student loan.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX : Original creditor : XXXX  XXXX XXXX XXXX Account number - XXXX XXXX XXXX  XXXX Original creditor : XXXX  - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681IS-2 15 USC 1692g
Product: Debt collection

On Friday, XX/XX/XXXX, South Mississippi Collection Service , Inc contacted me saying that I owed {$91.00} to XXXX XXXX XXXX This debt had been paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent them an email containing the payment receipt while they were on the phone, but they then said it was my responsibility to contact the debt originator despite having proven paying the bill. I contacted XXXX XXXX XXXX, and they assured me they had provided proof. When I contacted South Mississippi Collection Service , Inc, they refused to provide me written confirmation that my account with them had been resolved.
Product: Debt collection

Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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: Debt or credit management

PORTFOLIO RECOVERY ASSOCIATES , LLC violate my privacy in the Privacy act of 1974 making false and misleading claims on my credit report making me suffer in emotional damage, embarrassment and humiliation when applying for service and benefits with other businesses also the account that PORTFOLIO RECOVERY ASSOCIATES , LLC purchased was consider a charge off according to the IRS under section 166 Deductions For Bad Debts and 26 CFR 1. 166-2 Evidence of worthlessness which means that it is a certificate of Indebtedness and must be remove my credit report and failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated over a period of XXXX year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items. 
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 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 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

XXXX XXXX less than {$500.00} are no longer to be reported on consumer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX fraudulent reporting my credit card account 30 days past late for XXXX ; the account was never late, I have my credit card with XXXX XXXX XXXX set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that XXXX XXXX XXXX had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with XXXX XXXX XXXX they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the XXXX XXXX XXXX representative told me they were reporting falsely because the program ended in XX/XX/2021 : XXXX XXXX XXXX is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. XXXX XXXX XXXX have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. XXXX XXXX XXXX had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 ; XXXX XXXX XXXX  XXXX XXXX, 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Product: Credit card or prepaid card

I CALLED DISCOVER CREDIT CUSTOMERS DEPARTMENT ON OR ABOUT THESE MONTHS. 
XX/XX/2021 THUR XX/XX/2021 I CALLED AND ASK IF I CAN MAKE A {$100.00} DOLLARS PAYMENT a week to pay down my balance due .. the agents told me no!!!!! AND I WAS TOLD NO BY 8 DIFFERENT CUSTOMER SECIVER AGENT. from my months of XXXX and thru XXXX ask to speak to a supervisor the same information apply. 
This is wrong how u treat you member DISCOVER THESE ARE THE TREAT THAT DISOCVER SEND TO EMAIL TO CUSTSOMERS ALL THE TIME 1. WE WILL CLOSED UR ACCOUNT 2. WE WILL NOT TAKE PAYMENT OF ANYTHING 3. WEILL NO ANSWER UR CALL WE WILL BLOCK ALL UR CALL TO DISCOVER.

4. DISOCVER WIL NOT HELP NOONE OF THEIR CUSTOMER REGARDLESS NEW OR PASS 5. DISCOVER WILL DELEBRATLY REJECTED PAYMENT FROM CUSTOMERS AND HOLD ALL THERE MONEY UNTIL THE FEEL LIKE APPYING IT TO THEIR ACCOUNT.

6. DISCOVER TOLD ME ON XXXX THEY DONT WANT ME TO PAY MY BILL ON A RECORED CALL AND THIS WOMAN STATED THAT AROUND OR ABOUT THAT TIMR.

7. DISCOVER PUT CUSTOMERS IN TRICK BAG SO THEY ARE UNABLE TO PAY THEIR BILL.

8. DISCOVER ALWAYS LIE TO THEIR CUSTOMER TO MAKE EXTRA MONEY ON THEM.

9. DISCOVER HAS ALWAYS SWEEP THEIR ISSUES UNDER A RUG AND PAY THEIR WAY OUT OF TROUBLE ALWAYS..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$9300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3900.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$350.00}
Product: Student loan

Student loan interest is deductible per the tax code. This includes capitalized interest, or interest that wasn't paid on time and that eventually was added to the principle amount of the loan. For several years, I couldn't afford to pay on my loans and apx. {$10000.00} of interest was capitalized. This increased my principal balance from {$25000.00} to {$35000.00}. I ultimately repaid my loans over the course of two years, but I never received notice on the amount of capitalized interest I paid off and, thus, I was never able to deduct it from my taxes. I did receive notice regarding the amount of uncapitalized interest I paid over the two years ; however, as I've previously stated, the capitalized interest is deductible also. I've been trying to find out the total amount of capitalized interest that I paid over the life of the loan so that I can file an amended return and take the deduction. I contacted the Department of Education, and they instructed me that this was an issue for my student loan servicer ( Navient ) I contacted Navient and they said they didn't have information on how much interest was capitalized because they had only been my servicer for three years and, as such, they didn't have information dating back to the time the interest was initially capitalized. I called the DOE back and filed a complaint with the Office of the Ombudsman there regarding the situation. They never got back with me. Despite continued calls to both Navient and the DOE, I can't get my issue resolved. The tax law is clear that the capitalized interest can be deducted and I want my deduction. But in order to take it, I need one of these parties to produce a formal record of the amount of capitalized interest that I accrued and ultimately paid back over the life of my loans.
Product: Mortgage

On XX/XX/XXXX, I received an email from Mr. Cooper stating that they received the automatic payment on my mortgage. When I checked the amount withdrawn from my bank account, it was {$1100.00} higher than my previous mortgage payments. This additional cost caused my bank account to be overdrawn, resulting in overdraft fees. After reviewing my mortgage account online, I saw that escrow was added to my account without my approval. 
I called Mr. Cooper and spoke with 3 different representatives. I was NOT notified of the change in escrow to my account either by mail or email. I opted out of escrow with my previous mortgage provider and this should have remained the same when my mortgage was transferred to Mr. Cooper in XX/XX/2018, which it did up until the XXXX payment. Mr. Cooper did refund me the overdraft fees, but I am still waiting for the refund of the escrow in the amount of {$1100.00}. I was told it would be refunded by XX/XX/XXXX. 
Additionally, Mr. Cooper paid my school taxes in XX/XX/2018 without my permission. At that time, I called to explain that I pay my own taxes and I had opted out of escrow, and I did not send them the tax bill so I was unsure how this could happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX  XXXX  ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-XXXX  ( Monday, XXXX XXXX ) XXXX  XXXX  XXXX  ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( Monday, XXXX XXXX ), XXXX XXXX XXXX  ( Monday, XXXX XXXX ), XXXX XXXX  XXXX XXXX ( Friday, XXXX XXXX ), XXXX XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX  ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Product: Debt collection

On XX/XX/XXXX I received a call about a debt from Harris & Harris , LTD . I called them back and as them to provide details and all I received was silence. I don't them I don't owe a debt and they stated, " Everyone tells us that ''. I received the details of the fraudulent debt attempts on Friday, XX/XX/XXXX. The letter states I owe a debt from XX/XX/XXXX from the XXXX XXXX XXXX of {$390.00}. I looked online and clearly don't owe the debt. These debt collectors clearly are just trying to take advantage off parents with children and hope people pay since it's their child and NOT verify it's a VALID debt. They need to be find {$1000.00} or the maximum under the law.
Product: Credit reporting or other personal consumer reports

I am requesti ng that you the place a Security Freeze on my credit report. I am taking this step to protect my personal information and prevent unauthorized access to my credit information.