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

I had a XXXXXXXX XXXX XXXX and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX XXXX call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXXXXXX XXXX held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than XXXXpts. 

I want them removed and my score restored.
Product: Bank account or service

The relationship between a customer and the bank it 's based on longtime trust, client 's record and routinely transactions. We have been loyal customers with Wachovia and ever since the transition to Wells Fargo. The bimonthly payroll it is already a tradition of several years. Two branches in particular we 're accustomed to are XXXX branch and XXXX XXXX, both in FL. Never had any significant issues. On XXXX XXXX, 2016 when doing our routinely transaction, the branch manager at the XXXX XXXX location she refused to perform the usual transaction. Our checking balance as usual, the same payroll check, nothing out of the ordinary. Additionally, when trying to understand why this manager would refuse to perform the transaction, she addressed us with an irritated attitude that was far from professional and has forced us to avoid this branch in the future, perhaps even transfer our business to a different bank.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an American Express account showing on my credit report. This has been on my XXXX Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with American Express and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my XXXX credit report. I filed another dispute with XXXX ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an American Express card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called American Express again ( XX/XX/XXXX ) trying to check why are they confirming XXXX that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.
Product: Bank account or service

A CHECK WAS WRITTEN OFF MY ACCOUNT AND HONORED WITH NO PAY TO THE ORDER AND NO ENDORSEMENT ON THE BACK OF THE CHECK. I INVESTIGATED AND DETERMINED THAT THE CHECK WAS STOLEN FROM MY HOME WHILE I WAS NOT THERE. I REPORTED THE ISSUE TO JP MORGAN/CHASE BANK AS SOON AS I WAS MADE AWARE OF THE FRAUDULANT CHECK. I WAS TOLD THAT BECAUSE I DID NOT KEEP MY CHECK BOOK IN A LOCKED DRAWER AT ALL TIMES I FAILED TO PROTECT MY ACCOUNT AND THEY REFUSE TO REFUND MY MONEY. I HAVE TAKEN ALL THE CORRECT ACTION TO PROVE THIS CHECK WAS NOT WRITTEN BY ME INCLUDING FILE A POLICE REPORT AND PRESS CHARGES. THE REPORT NUMBER IS XXXX THROUGH THE XXXX COUNTY SHERRIFE OFFICE. THE INVESTIGATING OFFICER IS XXXX XXXX ( XXXX ) XXXX. I AM AN XXXX YEAR OLD WOMAN ON A FIXED INCOME AND CAN NOT AFFORD TO GIVE UP THE XXXX THAT WAS STOLEN FROM ME. DUE TO THIS INCIDENT I MAY LOSE MY HOME AS MY RENT CHECK HAS NOW BOUNCED. ANY HELP THAT YOU COULD PROVIDE ME WOULD BE GREATLY APPRECTIATED.
Product: Credit reporting or other personal consumer reports

I have/had 2 Citibank credits cards, both for over the years. My payment record is perfect. I lost my job over a year ago. We were in financial trouble. I always try and maintain relationships. In XXXX fo XXXX, we had an unexpected medical problem. It was hard enough not having a job. 

I knew I was going to be 2 ( TWO ) days past due on my Citibank payments. I called them to give advance notice and to assure them they would get paid. On that call I was told I was a GREAT customer, never late in all these years. That there was a grace period and I didn't even need to call them. 

I found out in the most humiliating way Citibank lowered my available credit on BOTH cards to about {$100.00} above whaw I owed. Prior to that, I had several XXXX dollars of available credit on both cards. 

Not having a job meant I did most of the chores including going to the grocery store. I found out the cut my available credit because both cards were declined. Just like in the movies, a line was forming behind me. I had no other way to pay. I pleased and apologized to the store clerk and XXXX. They know what customer service is, they allowed me to go home, get another form of payment and get my cart to the side. 

Needless to say I called Citibank and asked what they did. These exact words from thier agent, " Oh from time to time we check our customers and issue credit based on several factors. '' When I held her feet to the fire and she admitted it WAS BECAUSE I CALLED AND SAID I WAS GOING TO BE TWO DAYS LATE. THE PAYMENTS HAD BEEN MADE AND CLEARED MY BANK YET SHE HAD THE NERVE TO TELL ME MY ACCOUNTS WERE DELINQUENT. 

I asked for a supervisor and she would not budge. I found myself begging this woman for her help in putting my available credit back to where it was. She would not. It caused my wife and I great harm and suffering. 

We have an Exxon/Mobile card for 40 YEARS, NEVER A LATE PAYMENT. About a week after they cut my available credit my wife called and told me she'd been to 2 company owned Exxon 's and both at the pump and inside at the register her card was declined. The card had nearly a zero balance. There was no risk of us going over the limit for my wife filling up her car!

Of course I called Exxon furious. The agent seemed very confused and she asked me if I had two Citibank cards. I asked her why that was her business and that when I found out Citibank does Exxon 's credit cards! I asked her point blank if they closed my account. She said it appeared closed, was confused and flustered. She asked me to hold and put a supervisor on the line who told me, " there must be a problem with the card readers, your account is in good standing!? '' SHE WAS THE FIRST OF MANY LIARS I'VE HAD TO DEAL WITH.

WHAT THIS AMOUNTS TO IS EXACTLY WHAT I SAID, CITIBANK PRACTICES PREDATORY LENDING, AGE DISCRIMINATION, RETALIATION AND DISHONESTY.

If anyone else has experienced you should talk to your attorney or look for one to tell this too. This is so illegal, we are looking at Civil and Criminal charges. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a bank of america checking, savings and cash rewards credit card. I closed my checking account with them because they took a double payment towards my credit card without my consent and left me without enough funds when I had bills to pay. This was early XX/XX/XXXX. I had in XX/XX/XXXXmoved to Ohio where there are no branches locally for me to visit to get resolution for their systems error that caused the overpayment. It took over a month for them to fix this issue, so I opened a XXXX XXXX Checking account in the town I live in now, in Ohio. My credit card with them stayed open for a while but Fraud happened on the card and I didn't realize it because I hadn't been using the card and I had a zero balance the last I used it. When I discovered the fraud I disputed it and money was owed back to me because my account was overpaid. It was shown that I had a negative balance on the card and interested and late fees accrued were removed. I resolved this issue and during the time the account was defrauded Bank of America closed my credit card account. The fraud department assured me that they would reopen the account after the investigated was completed but it never happened. My account remained closed and I had called in to see why and get this issue resolved. 
First, I spoke to XXXX in Texas, in customer service, he transferred me to Fraud dept and XXXX Spoke with me and said I had to call back on Monday the XX/XX/XXXX because the people I needed to speak to get my account re-opened were not there on weekends. Existing Fraud Claims Dept will need to be contacted by their Fraud and Authorization, is what he told me. XXXX felt that they will reopen the account for me, especially due to the circumstances surrounding the closing of my account, that should not have been closed in the first place. I spoke to their manager XXXX XXXX and he said he submitted for my account to be reopened. He said he would call me back by last Thursday, XX/XX/XXXX, to let me know the status of the request. He called me back and told me that Bank of America wouldn't open my account again and he apologized to me and offered no additional help. I then asked to speak to one of his superiors and he was unable to put me in touch with one but said that one would call me back in the next 2 to 3 business days. That is unacceptable to me because I can not guarantee that I can be available at all times to answer a call as I work full time and he had his supervisor available then but their policy doesn't allow for one to speak to a client immediately. I have been mishandled and mistreated by bank of America and I am very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my TransUnion report I have a XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX On my XXXX  report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my XXXX  report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  - XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Have spent countless hours attempting to pay mortgage and all attempts have failed. I routinely made mortgage payments using online payment system until XX/XX/2022. Without warning, the online system was modified so that manual payments failed and automatic payments failed, with no recourse. This led to a missed payment. Company removed the ability to chat online, and phone calls were placed on interminable holds and disconnected. There was no way to complete payment, thus forcing customers to pay fees. On XX/XX/XXXX, I was forced to travel to physical bank location, and double payments were processed including extra fees.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XX/XX/XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX 3 . XXXX/XXXX XXXX inquiry date : XX/XX/XXXX 4. XXXX inquiry date:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, for failing to conduct a reasonable investigation into disputed items on my credit report and not providing me the information I requested on how they have verified the inaccurate item on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into the inaccurate item present on my credit report. However, despite my efforts, I did not receive a response from Equifax regarding the information that I requested from them. This lack of communication has left me deeply concerned about the accuracy and integrity of my credit report, as well as the potential impact it may have on my financial standing. 
In my dispute letter, I requested detailed information on how Equifax verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
I believe that Equifax 's failure to respond to my dispute letter violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Equifax, must promptly investigate any disputed information and provide a timely response to consumers. 
Furthermore, the absence of any communication from Equifax has left me without recourse or opportunity to address the inaccuracies present on my credit report, thereby jeopardizing my ability to access credit on fair and accurate terms.
Product: Debt collection

I received a notification on my XXXX account that a collection agency reported a negative on my account back in 2022. I dont owe this company any debt. The amount is XXXX Id like this company to remove the negative from my credit report. Ive tried communication with them they were rude an disrespectful towards me.
Product: Credit card or prepaid card

Cash app charged me fees I was unaware of as well as it was explained via chat that I am XXXX and what the funds were used for and the fees are completely excessive in cost, I tried to get the fees reimbursed as a one-time courtesy and they refused which is in my opinion unethical unprofessional and quote frankly under the circumstances of the chat unprofessional. There have been no fees reimbursed through the remainder of the account!
Product: Payday loan, title loan, personal loan, or advance loan

I found out that Indiana only allows intrest rates to be no higher than a certain percentage
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED TO REMOVE XXXX XXXX XXXX FROM ACCT XXXX AS AUTH USER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. Kindly have an investigations regarding this complain.Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$1900.00} XXXX XX/XX/XXXX ; XXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Due to Citibank 's unwillingness and inability to address the issue of defective purchase from XX/XX/2018 I closed the credit card account. 
I was told at the closing time that I have 60 days to redeem the thank you network rewards   points in the amount of upto XXXX. 
Today I attempted to redeem the points for a hotel stay and found out that my thank you network access has been blocked making me unable to access and use my points. 
I was given an alternative to use the live operator for hotel booking however this is neither practical as there is absolutely no transparency on how the hotel booking categories are used or what is available at what time not to mention possibility of the overcharge for the hotel stay with the rate I can not see. 

I expect the Citibank to honor its obligation of giving me a 60 days to use up my points and in order to do so I expect the Citibank to restore access to my thank you point using the existing ID and password. 

Alternatively if the Citibank fails to do so I expect the refund of my points at the scale of {$100.00} XXXX points and not any other conversion rate. The rate is standard in the industry and I have redeemed the points in the past for the same amount.
Product: Debt collection

I have contacted the collection agency, Wakefield & Associates on several attempts to try and resolve this issue. I have been unsuccessful in doing so. I have filed at least 3 disputes pertaining to these medical bills and I have yet to get them resolved. I spoke with a representative in XX/XX/XXXX and he assured me that the items would be removed because I have had someone in Ohio to steal my identity and file income taxes in my name. I have no knowledge of being treated or in the hospital during the dates that were provided which were in XX/XX/XXXX.I made another attempt in XX/XX/XXXX to contact Wakefield & Associates again and the customer service representative was very rude and we could not come to a resolution I never received a bill from the collection agency nor the company that it represents. I was only made known about the bill when I began my home buying process. I am disputing BOTH debts and I need them to be removed from my credit report because it is having a negative impact on my credit. 

Wakefield & Associates- {$850.00} Wakefield & Associates- {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/PHEAA shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.
Product: Credit reporting

The XXXX XXXX XXXX listed on my XXXX has been closed for 7 years as of XX/XX/2015 and was wondering why its still on my report? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to credit reporting agencies and have not gotten any results or compliance with them.
Product: Mortgage

I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. 
Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass.