23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently read about Citibank being fined for unfairly charging its customers for extra products and also for unfair debt collection practices. I had a card with Citibank for many years, the balance of which was supposed to have been paid off as part of my divorce proceedings in XXXX. In XXXX XXXX I went to the bank to find my checking account had been frozen due to a lien placed by Citibank. I was never served copies of a judgment or received any communication at all either from Citibank or its attorneys. Calls to the law firm are not returned and I can not get resolution. They recently placed another lien on my bank account. After reading about CFPB 's fine of Citibank, I would like to know how to find out if I am XXXX of the millions of consumers that were affected by their fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX Capital one reported a late payment on my credit statement this is a false report that is affecting my credit profile
Product: Debt collection

I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of MIDLAND FUNDING LLC and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by MIDLAND FUNDING LLC. I sincerely believe that this account was fraudulently opened on my name.
Product: Student loan

I've sent Navient 2 correspondents, and they have yet to send me the requested information. I've asked for this information over the phone, in writing XXXX XXXX, 2022, and XX/XX/XXXX of 2022. I have yet to receive the information about my loan. I have also sent the same correspondents to cfpb, XXXX, XXXX, XXXX as a curtesy so that I can get the information needed to verify the information. they have also been calling me three times a day when I have requested they do not call me and to correspond by written correspondents through the mail.
Product: Mortgage

Mortgage company Shellpoint mortgage continues to refuse to send out monthly billing statements. On several occasions I have called and requested a statement and have not received one. Additionally, they do not show up to date information on previous payments, and I have noticed that principle payments that were made along with the finance charge were not displayed. When statements were sent they are mailed to me so late that by the time I sent the payment in they called me saying it was late. I told them that they send out the statements too late and to send them in a timely manner, they refused to help with this problem. As of XX/XX/XXXX I have yet to receive a statement from them, when I go on line the information for my statements is unavailable. I do not know that the principle payments that I have made for XX/XX/XXXX and XX/XX/XXXX are accurate. Therefore I am requesting a detailed report of all the principle payments I have made for XX/XX/XXXX and XX/XX/XXXX.  I further request that statements be mailed out to me in a timely manner.
Product: Credit card or prepaid card

I purchased two items using my TJ Maxx MasterCard issued by Synchrony Bank totaling {$31.00}. I received a statement for the transaction and a minimum payment of {$25.00}. The items were both damaged in transit. After following up a few times looking for the refund credit, I filed a dispute for the transaction amount ( {$31.00} ). After a few days, I received a credit for the merchandise less the shipping and handling fees ; less than the transaction amount. I made another phone call to request the remaining balance ( shipping & handling fees and tax ) and to question why I was still required to make a minimum payment for merchandise that I did not have/receive. I was told that I would receive a customer satisfaction credit for the remaining balance but I had to make a minimum payment since the credit for the disputed transaction and the customer satisfaction credit posted in a different billing cycle. I requested to speak to a supervisor regarding this issue. I spoke to a customer service manager XXXX from Ohio ( operator number XXXX ) to explain my perspective, which I think is predatory and not consumer friendly and he echoed the same message. I know that I should at least have 23 days to receive a billing statement for new transactions before a payment is required. Synchrony Bank seems to be violating this law based on this disputed practice. I have excellent credit, so I am left paying for transactions that I have not been billed for so my credit is unharmed despite having no merchandise. Seems like a XXXX thing to do to customers. It is already poor enough to work with an ordering department and a billing department for this issue, which seems like common customer courtesy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Formal Complaint Against Experian - Credit Report Inaccuracies and Lack Of Response I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report and the subsequent lack of response to my repeated attempts to rectify the situation. 

In XX/XX/XXXX, I reviewed all three of the bureaus report and discovered several inaccuracies, including multiple incorrect addresses and a student loan that I never signed up for. I promptly sent documentation to Experian to substantiate my claim that these entries were erroneous and not attributable to me. Regrettably, I received no response. 

Undeterred, I rewrote to Experian, providing the necessary documentation once more, However, I have yet to receive any acknowledgment or response from them regarding my dispute. 
Additionally, I have attempted to access my credit report through Experian 's process, which required me to mail a form to request the report. Despite completing this procedure three months ago, I have not received any correspondence or the requested report. 

Upon checking Experian 's website, I discovered that someone used my email to review the disputed loan with XXXX. Experian 's records indicate that the loan began in XXXX and my prior complaint to you it said XXXX, while XXXX 's records show it started in XXXX. This discrepancy has further complicated my efforts to address the inaccuracies on my credit report. 

Due to the negligence of Experian, I have been denied many offers that I otherwise would have been approved for. This situation has caused significant financial and emotional distress. 

Pursuant to 15 U.S. Code subsection 16811, Experian is required to conduct a reasonable reinvestigation of disputed information and correct any inaccuracies within 30 days. Additionally, under 15 U.S. Code subsection 1679c, I have the right to dispute inaccurate information and obtain a copy of my credit report free of charge if I have been denied credit, employment, insurance, or a rental dwelling due to information in my credit report.

The lack of communication and resolution from Experian has left me feeling frustrated and helpless. I am now seeking your assistance in compelling Experian to address and correct these inaccuracies and to respond to my disputes as required by law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A RESONABLE REINVESTIGATION OF DISPUTED INFORMATION ON THE CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH M EXPERIENCE, WHERE EXPERIAN HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIAN 'S INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} XXXX XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}
Product: Credit card or prepaid card

In 2018, I made a payment for {$4000.00} and it was never reflected on my credit card balance.
Product: Credit card or prepaid card

The card is XXXX XXXX XXXX  XXXX credit card by Synchrony. The card number is XXXX. 

After I register this credit card I was charging every month for a security fee + interest fee. I was never told by email or by message that I enrolled in the security protection program and they force to charge me the security fee for over XXXX $ within a year. 

I think this is defrauding customers and it's a hidden fee to customers. I need Synchrony company to return this fee immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with Equifax. First and foremost, they refuse to remove something because they claimed that they " investigated '' it. When they failed to remove it from my credit bureau, I called them to offer clear and irrefutable proof that the collection was an error made by XXXX XXXX XXXX. A Sr. Executive from the office of the president of XXXX XXXX XXXX wrote a detailed letter so that I could possibly get faster results by disputing this matter with the credit repositories directly. On Thursday, XX/XX/2020 I spoke directly with an agent on the phone. When I explained that I did not like the results of their investigation, I offered the letter to support why her " investigation '' was incorrect. She said she was not interested in the letter from XXXX XXXX XXXX and that their determination stands. XXXX and XXXX both removed this from my credit file within hours of having that. Equifax, in refusing to remove or even look at my documentation corroborating the error caused me to get a loan declined for refinancing my vehicle. The loss of funding for that loan forced me to take a much higher rate at another institution. One that pulled a different bureau. In the meantime, the same error has been made with XXXX. I have submitted documentation to Equifax that shows my account was credited and that it has already been removed from my XXXX   credit file. It was not " paid in full '', it was a credit with an apology on a " crediting error '' and have that in writing from the XXXX rep to support this as well. Leaving this on my file at only one repository, Equifax, is ridiculous. 

Additionally, I have provided my driver 's license 3 times so that they could get my name and address correct. This has yet to be corrected. I have NO suffix. Being that my father and I share a middle and last name, they have apparently commingled our names/addresses along with my father 's suffix of Jr. Is my father 's credit being compromised by this? One could almost construe this as identity theft ... removing my actual name makes things look suspicious with lenders. 

If Equifax is not capable of fixing things in a timely manner, how can they be charged with the handling of personal information that is imperative to consumers to do business? They already have issues with keeping our information secure, why are they still allowed to be in business?
Product: Checking or savings account

Commerce Bank,   XXXX   XXXX  ,  XXXX   XXXX .     I originally signed up for an account that had no fees for simply having the account. Turns out they at some point switched this account to a different type without my consent. I have been getting charged {$8.00} per month for quite some time.     When I went to address the problem, I was told by the representative  XXXX  (  XXXX   ), a nd then by the branch manager,  XXXX   XXXX , that I should have been paying attention to my statements. My contention was why should I have to when I trusted  Commerce  to abide by our original account type.      XXXX  refunded 3 months,  XXXX  another 3 months, but they would not do anything further to help, and insisted this was not their doing, but my oversight in not keeping an eye on my account.     This, to me is a blatant bait and switch tactic designed to take advantage of just such scenarios. I did not consent to having my account type switched. I signed up for a student, free account, and have in fact been a student until  XXXX    XXXX  . I have had numerous conversations with Commerce reps over the years and not once have any of them admitted to or notified me of the fees, even when I brought up the free account type.
Product: Credit card or prepaid card

I am writting to complaint about unqualified interrest charges by AMerican express in the amount of {$180.00} on XX/XX/23. I made payment prior the due date but because of american express website issue, the payment didnt process. Soon as I realize the issue, I called American Express customer service and was promess of a reversible of the fee. So far, I haven't received any refund of the fee after reapeatidly calling many times. 

Sincerely, interest charges of {$180.00} on XX/XX/23 by American express
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I submitted a dispute to Experian to take theArizona XXXX XXXX off of my credit report but it has been there for years. I have never lived in Arizona yet it isstill on my report. Alsohave been trying to raise my credit score in order to get a {$15000.00} XXXX XXXX loan. For over a year. Working with the XXXX After paying a collectionsaccount my XXXX XXXX score ( The only one the XXXX goesoff of ) My XXXX XXXX credit score has been barely going up. It seems like a rigged game. While my other scores the FICO XXXX and my FICO XXXX XXXX have gone up. I have5 hard inquiries 3 by theXXXX  thinking my Bank card XXXX score would eventually rise up like my other scores only needing to get up to XXXX on the Bank card XXXX it sits hopelessly at XXXXWhile my other scores beingXXXX XXXX respectively. I've also did a new FICO XXXX and I got 3 more points to my FICO XXXX but no movement on my Bank card XXXX score. Little changes happen after disputes and little is positively listed in my credit report mostly negatives. I never can reach a human being. Only recordings and talking to computers for hours after multiple calls and frustration trying to get someone explain tome how to raise theBankcard XXXX score. Experian seems to take pride in not talking to actual customers. It is horrible service and bad business practices. There are even you tubevideos trying to tell people secrets to actually talk to a human.https : XXXX I'm charged for reports that under federal law should be free. I need these credit reports so I can get this loan for my business. The reporting agencies are so vague, disrespectful, and have so many ads and other companies offering credit repair. Thank you for any help you can give me. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a/am a victim of identity theft
Product: Debt collection

When updating my credit reports, I noted a collection from IC Systems for a XXXX debt. I have not had a XXXX account for at least four years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Debt collection

M & M added a medical bill to my credit report. This bill was paid in full with the company. I have spoken with the company, billing department and the collection company. This action caused my credit score to lower. I would like this matter resolved and removed from my report immediately. The charge is for {$53.00} with XXXX urgent care bill was paid in full XX/XX/2018.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( original creditor XXXX XXXX ) is reporting incorrectly to Experian a collection in the amount of {$3800.00}. ( Please see attached page from my credit report. ) XXXX XXXX is billing me for breaking a lease that was never in effect. My first lease was a 15 month lease and even per the detailed documentation attached, the new lease they allege I am responsible for would not have been in effect until XXXX. I provided a ( 60 ) day notice to vacate on XXXX and followed up in writing and again in an email on XXXX. I never received any response from either the written notice or email notification. This was common practice as the staff at XXXX XXXX rarely responded. My last two emails were to a Ms. XXXX on XXXX and XXXX. However, upon receiving documentation from the collection agency it shows that Ms. XXXX did reply to a few emails however, she did not type in the correct email addresses and consequently no communication was ever received by me. I did not have any signed lease on the dates they claim I had lived there. They have sent me to collections in error. I do not owe XXXX XXXX any sums of money and this incorrect reporting of a collection is harming my credit score. This line item needs to be removed from my credit report.
Product: Credit card or prepaid card

The credit card company debited my bank account for annual renewal fee WITHOUT sending a statement. When this fee showed up on my bank account without any prior notice I disputed it. On XX/XX/XXXX I received a postal letter that my account was overdue. Then I spent 25 minutes on telephone with their representative before she told me that an account supervisor would have to do this. The account supervisor was to call me back later on XX/XX/XXXX. This never happened. Today I have been on their website for almost an hour trying to cancel account but I end up in a loop that constantly sends me back to a previous location.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding all three credit bureausXXXX XXXXXXXX, and TransUniondue to their failure to provide me with the information I requested concerning their investigation of XXXX XXXX. I contacted each of the credit bureaus requesting details on the investigation they conducted after reporting issues related to my account with XXXX XXXX. Despite multiple attempts to obtain this information, I have not received any response or explanation about their investigation or the findings. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I am entitled to receive information about disputes and investigations. I am seeking assistance from the CFPB to ensure that the credit bureaus provide the necessary details regarding this investigation and that any inaccuracies on my credit report are addressed
Product: Debt collection

CREDIT CORP SOLUTIONS apparently purchased the alleged debt from XXXX XXXX, CREDIT CORP SOLUTIONS has continuously harassed and oppressed me for a year. using false representation of the character and amount of the alleged debt. sending me misleading and inaccurate statements. I have responded several times by sending certified debt verfication letters along with a cease and desist. CREDIT CORP SOLUTIONS only would come back with more false and misleading documents. a year passed then an alleged law firm by the name of XXXX XXXX XXXX got involved and started harassing me by sending me the same false and misleading documents. I responded everytime with a certified debt validation request and they would only send me back more inaccurate statements. dates of CREDIT CORP SOLUTION harassment dates started XXXX ... XXXX ... XXXX ... XXXX and XXXX XXXXXXXX XXXX XXXXXXXX continued the harassment XXXX also in XXXX when CREDIT CORP SOLUTIONS first contacted me and I responded. XXXXXXXX XXXX SENT ME A LETTER ALONG WITH A CHECK ( THAT IM SURE THE AMOUNT WAS INCORRECT, IM SURE THEY OWED ME MORE ) Admitting that the debt was inaccurate and charged me incorrect interest fees. THE CFPB ALSO BROUGHT A CLASS ACTION LAWSUIT AGAINST XXXX XXXX FOR CHARGING INCORRECT INTEREST FEES TO THEIR CUSTOMERS AND FOR DISCRIMINATING AS WELL.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances.