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

The following is a timeline of my issue. 

XXXX  I made a purchase at XXXX XXXX XXXX restaurant in the amount of {$41.00} I did not receive a bill thereafter. 

XXXX A late charge was issued for {$29.00}. DUE date XX/XX/ XXXX A late charge was issued for {$40.00}. DUE date XXXX I did not receive a bill. 

XXXX I received a letter indicating my payments were late. I immediately responded upon receiving the bill and on XXXX  I contacted Citi and requested to pay the bill in full. I was informed by the representative the total bill was {$41.00} ( aside from late fees ) and at that time I requested that all of the late fees be waived and the representative agreed to refund them. It was my understand that on XX/XX/ all payments were satisfied and my account balance was XXXX. I requested a confirmation number and was told by the representative that they did not have a confirmation number to provide me however I will receive a letter in the mail. I never received a letter. 

XXXX  I received a letter dated XXXX indicating that I needed to contact Citibank due to late payments. To my surprise I was shocked since I satisfied all payments on XX/XX/. I contacted Citi and was disconnected upon trying to explain the matter to the first representative. At approximately XXXX  I called back and spoke with representative who identified himself as XXXX XXXX I tried to explain and gather information from XXXX regarding my account and explained my account should be XXXX balance however he explained that the late fees were only waived for 2 months and not 3. He explained that {$11.00}, {$19.00}, {$40.00} was refunded however he is not allowed to refund me any additional fees. he became frustrated as noted in his raised speech to me. I asked him to stop yelling at me but he continued. He stated I owed {$70.00}. I was confused as to how If I have not used the card for any purchases or withdrawals since XXXX 

It is clear that the representative I spoke and made the full payment with on XX/XX/ misled me to thinking that my total bill was satisfied on that day. I never received a bill in the mail or email to notify me that I owed any money yet Citi bank continued to charge me late fees. They seemed negligent in providing me with a bill. This has led to a decrease in my XXXX score and i kindly ask it be resolved. I have worked hard to keep a good credit score and understand how this act on behalf of Citibank and their staff is damaging. 

Furthermore I do not understand how I was only refunded {$11.00}, {$19.00}, {$40.00} - I was informed that all 3 late fees would be waived. late fees are {$40.00}. 

On the same day I contacted the rewards program to redeem them and upon attempting to confirm my address was given an address that is not my correct address. 

As a result on XX/XX/ I closed 2 of the 3 credit cards I have with Citi. I intend on closing the this card however would like to resolve this matter before doing so. Than you. 

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

I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, WELLS FARGO and XXXX. So I decided to review my own credit report through my XXXX  account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull my credit report.
Product: Mortgage

PHH Mortgage Services in Ohio have claimed they did not receive the {$23000.00} check for mortgage assistance by XXXX XXXX XXXX XXXX in XX/XX/2022, even though I have proof that funds were received back in XXXX, and they are trying to put my house up for sale even though I have been in contact with PHH for almost an entire year on this matter. I have emailed called wrote correspondences and have received little to no responses by PHH.I would like this balance to be properly reflected on my monthly mortgage bill. save the dream has reported that the funds were in fact received by PHH.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This is a second supplement to XXXX / XXXX. I was attempting to log into my account because apparently they never closed my checking account despite asking. I was attempting to log in to access that account and transfer the money out. 

In the attached screen recording, you will see that they have another " technical issue '' that is not allowing me to reset my password. I understand if American Express also wishes to part ways with me, but I need to be able to access the statements from the card in dispute and the as-of-now still open checking account ( which I was again unaware of ). 

I have tried this in numerous browsers, private windows, and VPNs, so this is not something on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit card or prepaid card

I was affected by the COVID National emergency, and my credit score got down, now Citibank closed my XXXX XXXX XXXX that I usually use to buy the food and other expenses. I never was late on this credit card and already settled the late credit cards affected.They told me that will reopen account and now they informed that they will not reopen the card. The misleading all the information provided and I need the Credit Card.
Product: Debt collection

Experian is reporting negative items on my report that WAS NOT AUTHORIZED and BY LAW that is illegal. 
FDaCPA 809 Violation Misleading False Reporting.
Product: Debt collection

On XX/XX/2022, I contacted a customer representative of XXXX XXXX XXXX XXXX regarding a debt collection notice for XXXX dollars I received on the same day. Because I did not recognise such debt, I asked them to verify the validity of the debt with me, which they declined. In consequence of this, I requested to challenge the validity of the debt over the phone and I was told that I am not eligible to file such a claim. I believe this debt is not valid because XXXX ) I do not recognise this debt and XXXX ) I was not given sufficient identifying information about this debt.
Product: Money transfer, virtual currency, or money service

coinbase.com wo n't let me withdraw money I have sitting in my mobile wallet, despite having followed all of their instructions to have my bank account verified so that I can withdraw funds ; They also with very little signage only allow withdrawals in XXXX, when i sold my cryptocurrency i converted it to XXXX  thinking i would be able to withdraw, they charged me a fee for this -- they are now going to charge another fee to convert it to XXXX so that i can withdraw ( or so they claim ), this is ridiculous! Despite having followed their instructions to the letter my bank account is still unverified and so they are not allowing me to withdraw my money that is sitting in the mobile wallet. No one from their support has returned my email, I dont expect that they will, their forum is FULL of people complaining about the same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.
Product: Debt collection

My account was sent to a collections agency who never contacted to dispute nor validate the debt which was alleged I owed. There was a mix-up in the apartment room in which I resided with a college roommate. I reached out to the original creditor to inform them that I am disputing the amount owed. Instead of the company trying to rectify it, they maliciously sent my account to Southern Management Systems collection agency who never notified me to validate the debt. I have provided a video and photos of the room in which I resided in the apartment - the statement provided does not reflect the room I resided in and therefore I am disputing these charges and asked that the account be removed from collections immediately. This is a shady unfair practice and a violation of my rights. My account was sent to a collection agency without any notification from the collection agency. I WANT THE ACCOUNT REMOVED FROM COLLECTION IMMEDIATELY AS THE ORIGINAL CREDITOR IS AWARE THIS ACCOUNT IS BEING DISPUTED - THE COLLECTION AGENCY, BY LAW, SHOULD I PROVIDED ME WITH WRITTEN NOTIFICATION OF THIS DEBT AND A CHANCE TO DISPUTE AND VALIDATE BUT THEY FAILED TO DO SO.
Product: Debt collection

On XXXX XXXX Id have disputed this creditor before and it was removed ( deleted ) from my XXXX. Now they put it back on my credit months later
Product: Debt collection

I was informed that attempts were made to serve me with documents but attempts failed. That I am being sued for an outstanding debt with XXXX. I contacted XXXX and they have no record of my name, phone number or social security number. I was sent to different departments at XXXX to investigate this thoroughly. Next communications with XXXX at Weinman Acquisitions lasted for 7 minutes ( XXXX ). During this call XXXX became agitated and frustrated with my questions for clarity and requests for documentation of this debt. He said he could email me the documentation and I gave him my email address which he then read back to me correctly. After an hour passed without receiving the document I called Weinman Acquisitions again and spoke with XXXX. He informed me that the file is out of his department and he sent the request for the email in but that 's all they can do. I told him he never told me that the email was a request. He said it would be sent to me. This agitated him more and I told him I was n't understanding and he said that he got that. He became condescending and hung up. I called multiple times to get the information I needed until he finally passed me on to someone who said I would receive an email in ~20 minutes. It has been 24 hours and I have not received any emails. At no point did they request my mailing address to send me documents, nor did they disclose an amount.
Product: Credit reporting 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 correct : XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit card or prepaid card

Contacted Discover using the messaging feature in the mobile app because I was unable to add my credit card to XXXX XXXX. I would confirm the card number, expiration date, and security code. That would process successfully and I would land on the XXXX XXXX XXXX  page, agree to the Terms, and be bounced back to the main screen with my name and card number. The issued message I received said to contact the Card Issuer because my request was being denied. Discover was offering a promotion of 5 % cash back for purchases made with a digital wallet of up to {$75.00} back from XXXX to XXXX of XXXX and is currently offering the same promotion for XXXX to XXXX of XXXX. 

XX/XX/XXXX : Dates of contact are unavailable because the mobile app only shows the month and year for a date stamp. I tried scanning the card in XXXX, manually typing the numbers, and adding through the Discover app. Responses were days apart from a representative. Received queue acknowledgment messages for 3 days before an agent was connected. Upon responding to the agent saying I could not connect my card, I was sent back to the automated message system. I received an automated prompt to add my card to XXXX XXXX through the Discover app, which did not work. I then received 8 messages over the course of a few days acknowledging my place in the queue. I was connected to an agent at an inconvenient time when I was not available and did not have my issue resolved. 

XX/XX/XXXX : Contacted Discover via messaging once again. I was told I needed to call Discover to speak with technical support. 

XX/XX/XXXX : Called Discover support at XXXX XXXX and was connected to a technical support agent. The agent told me that Discover could not see my requests to add the card to the XXXX. The agent then told me the issue was because I had multiple cards ( sequence ) on my account with the same card number and told me I had to cancel two. I refused, as I use all issued cards. The agent then put me on hold to connect with others regarding this issue. After about 20 minutes, the agent returned and told me that again the problem was having more than one active card on my account and suggested canceling. I explained that I did not want to do that, and said there must be other customers with multiple cards that are having the same issue as me. After being placed on hold again for 10 minutes, the agent returned to tell me that they were opening a ticket and to email a screenshot of the message I am receiving in the XXXX XXXX. 

This poor customer service from XXXX XXXX and poor reasoning inhibiting participation in rewards ( having multiple cards means I can not use a digital wallet ) is interfering with using my credit card for the purposes it was advertised for ( rewards card ).
Product: Debt collection

National Credit System was not fair with collection notifications of this debt before sending to credit bureaus. 
This debt collection company didn't follow fair credit act by not : I nor the joint named person on this account : XXXX. Didn't receive enough information to verify this debt. 
XXXX. Notification didn't disclose it was an attempt to collect this debt. 
XXXX. Didn't receive notice of right to dispute. 
The amount of {$6600.00}
Product: Credit card

On XX/XX/year> I accidentally signed up to the annual XXXX plus plan priced at {$99.00} plus taxes using my Klarna credit card. I immediately contacted the merchant ( XXXX ) and requested a cancellation and was given a full refund. Klarna never refunded my money back. I disputed the charge with Klarna and went on a month long investigation they ultimately decided they have found no evidence of cancellation and refuse to refund my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit Beauru to do a verification of everything on my report. They did and stated everything was ok, I did a thorough research and found improper inaccuracies on my account. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A states the right to privacy 15 U.S.C 1681section 2< it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.
Product: Debt collection

On XXXX XXXX XXXX I received a notification from my credit monitoring service that a collection debt was placed on my credit record. The company is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX  XXXX phone ( XXXX ) XXXX. According to credit report original account was opened on XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX for {$990.00}. I contacted the collection company to get more information on this debt and they refused to provide any assistance as my birthdate and address does not match what they have in the fraudulent account. I did not open any accounts with XXXX XXXX XXXX XXXX on any date. This fraudulent debt is a stain on my credit report and a huge hit on my credit score.
Product: Checking or savings account

Subject : Complaint Against XXXX for Sending an Empty Box and Refusal to Refund Dear Complaints Bureau, I am writing to formally lodge a complaint against XXXX regarding an incident where I was sent an empty box instead of the sneakers I purchased. Despite my repeated attempts to resolve this matter with DTLR, they have outright refused to refund my money. This incident occurred with a charge dated XX/XX/year>. 

I am extremely frustrated and angry at the blatant disregard for customer service and consumer rights exhibited by XXXX. It is appalling that a reputable retailer would engage in such deceitful practices. What makes this even more concerning is that this is not an isolated incident. It is a well-known fact among customers that XXXX has a history of unethical practices, including back-dooring their own sneakers, which further diminishes trust in their operations.

Adding to my frustration, Chase, my credit card issuer, has denied my claim for a chargeback despite the clear evidence of wrongdoing by XXXX. I am at my wits end trying to get a resolution for what is a straightforward case of fraud and malpractice. 

I expect a reputable body like yours to intervene and take appropriate action against XXXX to prevent such incidents from happening to other unsuspecting customers. I am seeking your assistance to ensure that XXXX refunds my money promptly and that measures are put in place to hold them accountable for their repeated unethical conduct. 

I also contacted XXXX after discovering the empty box and filing a claim with them. However, XXXX informed me that they did not have any information regarding the contents of the shipment and advised me to contact XXXX directly for resolution. Despite following XXXX 's instructions, XXXX has remained uncooperative and refused to take responsibility for the issue. This further exemplifies XXXX 's lack of accountability and unwillingness to address legitimate customer complaints. 

Thank you for your attention to this matter. I hope for a swift and just resolution.