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

Citicards charged me late fees and penalties for not paying my account on time for the month of XX/XX/2020. I advised them that my partner died in XXXX and he was hospitalized on XX/XX/2020 and due to the XX/XX/XXXX I could not visit. I was on the phone with him, his doctors, nurses, aides, insurance companies, etc. to care for him and meet his needs. He was in XXXX for 5 days and not expected to live. Unfortunately I do not receive paper statements only emails, and I can not recall seeing an email from Citi, but under the circumstances when I spoke to the rep and told her the situation I was sure as a valued customer for many years they would not continue to bill me for fees and penalties, but they did. I paid the bill minus the fees and stopped the card. They insisted there were additional charges. I paid the charges but the fees and penalties just kept increasing. I wrote letters, called, sent emails and no one was interested. I have another Citi card for many years and I'm pretty sure they will not issue another card to me, even though I have always paid the card in full. My good credit is gone because Citi ruined my credit. I just had to pay utility companies {$50.00} because I have bad credit. I have been treated like a credit risk because of Citi 's inability to understand when a death occurs to someone very close, your thought processes can suffer. Where was their customer service? My partner was also on the card and they destroyed his credit, not even remembering that he had passed away.
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING, INC.has placed a negative collection item on my XXXX credit report for {$4800.00}. I have never had any contracts with Fair Collections & Out or any of their clients. FAIR COLLECTIONS & OUTSOURCING , INC. has harassed me with numerous phone calls as well as emails on a daily bases. They are reporting inaccurate information on my credit reports and have failed to validate any debts that they claim that I owe. This collection is erroneous and does not belong to me. I am requesting the immediate removal of this erroneous account which is date XX/XX/2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my business online bank account was hacked and {XXXX} was wired transferred without my acknowledgement or authorization. I immediately called Wells Fargo Bank NA. to report that I couldn't get into my online banking account and I had to call the 800 number to check my account. I made a claim to stop the Wire Transfer from happening and I was told that it would be investigated by the fraud department. It would take ten ( 10 ) business days. I received an email from Wells Fargo on XX/XX/2021 saying my funds of {XXXX} was refunded back into my account. Checked my account and no funds for that amount was deposited into the account. An amount of {$XXXX} was put into the account and Wells Fargo said that's was all they could recoup and the claim was now closed Wells Fargo told me to wait for the investigation process and then sent email saying funds of {XXXX} were deposited back into my account and it wasn't. I need my full amount back into my account.
Product: Credit card or prepaid card

I pay {$95.00} a year for the XXXX XXXX XXXX Credit Card through Chase Bank. As I have a couple of different Chase credit cards that offer far better value for travel, including on XXXX, I still have this card only because it gives me XXXX XXXX XXXX passes per year to use, so I'm being charged {$95.00} a year for XXXX lounge passes. 

On XX/XX/XXXX I attempted to use the XXXX XXXX at XXXX XXXX, but Chase is denying the use of any day passes because they've shut down most of their lounges at XXXX ( their major hub ) and can't handle all of the traffic at the club that remains open. This is completely a management decision, and XXXX could handle the traffic if they kept their other clubs open, but they've decided against it. This was not an issue of limiting acceptance of passes for a few hours that day, which is allowed in the terms and conditions, XXXX has just stopped accepting all day passes right now for an extended period, which is not part of the terms and conditions. As I am paying for a product I am unable to use, due to a change in the product offerings, I want a refund of the {$47.00} that the unusable day pass cost me. 

Despite bringing it to the attention of Chase that XXXX is currently not accepting passes, nor are most of their advertised lounges open, Chase is still selling this product with lounge access, even though they are now aware that their members will not be able to use the product that they are purchasing from Chase, which is purposeful fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX  XXXX WHERE I EXTENDED CREDIT TO XXXX  XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX  XXXX. 
A complaint has also been filed with the ATTORNEY GENERAL of State.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

So I 've received the completed report Experian has done : Report # XXXX. All of the items that were on my complaint claims they have been verified and updated. Experian reports that I 've filed bankruptcy in XX/XX/XXXX, but that date is incorrect. please have experian update with U.S. BKPT CT GA XXXX # XXXX to find out the correct information if not they need to delete. Please have the bankruptcy court provide verified proof that I filed and has the original contract with my signature. XXXX XXXX bank : Acct # XXXX has updated the information on my report but has provided the incorrect information. the account history stating they have added this to my chapter XXXX bankruptcy on XX/XX/XXXX is incorrect. XXXX XXXX : Acct # XXXX has updated the information on my report but has provided the incorrect information. the account history stating they have added this to my chapter XXXX bankruptcy on XX/XX/XXXX is incorrect. XXXX : Acct # XXXX navient has updated the information but its still showing incorrect. the recent balance is incorrect, the monthly payment is incorrect, date opened is incorrect, the credit limit or original balance is incorrect. XXXX XXXX XXXX : # XXXX this account was never included in a bankruptcy. please provided documented proof. I never received any proof from this company but experian continues to validate this debt. XXXX XXXX : Acct # XXXX has update my credit report but has continuously ignored my request to provide my original contract with my signature on it. XXXX XXXX XXXX XXXX : Acct # XXXX has updated my account but this item has been consolidated with Navient on acct # XXXX. this item should not be showing on my credit. its showing a duplicate reporting. the credit balance is also wrong. Also experian failed to verify this information with this company since in the comments it shows this item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX : acct # XXXX this account has updated but with all the wrong information. the credit limit is wrong or original amount is wrong, the recent balance is wrong, the terms is wrong, Also experian failed to verify this information with this company since in the comments it shows this item was updated from our processing of your dispute in XX/XX/XXXX. XXXX : acct # XXXX has update my credit report but has continuously ignored my request to provide my original contract with my signature on it. Experian has failed to verify this information accurately with these companies. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card

On XX/XX/XXXX I called XXXX XXXX Barclays XXXX XXXX to close the card since i do not use the card. When I opened the card in XXXX of XXXX I paid a {$99.00} annual membership fee upfront for the year. I am now closing it 5 months later since i do not use it. The credit card company is refusing to issue me a prorated refund for the remaining 5 months in annual membership dues since the card is closed. They closed the card without first advising me that the annual fee is non refundable. I spoke to a supervisor, XXXX, who told me " they just dont do that '' and " its understood that the annual fee is non refundable ''. I've looked over their terms of service, and i do not see anywhere where it states that the annual fee is not refundable. Please refund my remaining annual membership fee for the remaining months that the card remains closed.
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 XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX/XXXX/XXXX
Product: Prepaid card

The prepaid gift card is not being accepted by any vendor, online or in person. It is being declined. I called the company and I asked for vendors that would accept it and they would not disclose that information. I was told to continue trying to find a vendor who would for a bit longer. I have already tried for 2 months plus every place I shop at does not accept it. I have tried buying at vendors I usually don't shop at but still did not work.
Product: Mortgage

I switched mortgage companies and thought I canceled the ach for XXXX so that I could use the payment for my old mortgage company for my new mortgage. Long story short the funds for my last mortgage with Mr cooper did not reach them Or so that is what I was told on the phone. I call the bank ( XXXX ) and they say that there is nothing they can do to receive the funds because I authorized it. So now Mr.cooper scam mortgage company has my money in limbo. All I want is the money to go back into my account so I can pay my mortgage. But no one is helping me and I am extremely frustrated with the whole process altogether. The first time I called they said that they never received my final payment. So $ XXXX is just no where to be found apparently even though it came out of my account.
Product: Credit reporting

I am currently experiencing extreme difficulty with the credit bureaus. Experian, XXXX, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, First Premiere, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Product: Mortgage

What are we supposed to do? We pay by mail days before the due date, Specialized Loan Servicing ( SLS ), my mortgage processing company, claims they don't receive on time. We schedule auto payment through SLS website, days in advance of due date, and still up to 2 weeks they claim they didn't receive the payment. Today, XX/XX/2022, SLS on it's website ( XXXX ) claims they have not received the payment for XX/XX/2022, yet. In the 2nd attachment ( XXXX ), from my bank account statement, the record shows the full payment was sent electronically on XXXXThe 3rd attachment, XXXX, shows SLS received payment on XX/XX/2022 It's either incompetence, or worse yet an attempt to build a case for late pays, again, for future nefarious purposes. I would like SLS to acknowledge receipt of mortgage payment as they receive. Shouldn't electronic-payment process, established by SLS, be the fastest method of sending payment? Why 15 days or more showing payments not received?
Product: Debt collection

credence resources I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
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 XXXX credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

someone stole my identity and made fraudulent accounts.
Product: Credit reporting or other personal consumer reports

As requested several times before while repairing my credit accounts have been added to my report during the pandemic crisis several accounts with reported late payments have been opened and added to my credit reports. I have not authorized any of these negative accounts with late payments being reported and would like them removed permanently from my accounts and report under section ( 15 usc 1666b ) for late payments, section ( 15 usc /6816 ) for inquiries and section ( 15 usc 6802 or 15 usc 6801 ) for student loans.
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that CREDIT KARMA is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the XXXX for being a 100 % XXXX XXXX I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Credit card or prepaid card

On the XX/XX/XXXX I had summited 2 payments on accident to Wells Fargo from my XXXX XXXX XXXX both of {$800.00}. On the XX/XX/XXXX i received my tax refund of {$1200.00}. I realized that I summited 2 payments of {$800.00} knowing that I did n't have the funds so i went inside Wells Fargo in XXXX, CA and explained to one of the bankers of what had happened. We called the card company to ( i have the wells Fargo college card ) and explain to them what had happened. They told me they were going to do a refund of the amount and stop the process of one if the {$800.00}. Reminder in my XXXX  account there was a post of {$1200.00} to be exact in my account. Wells Fargo took out the {$800.00} leaving my account of {$490.00} which is correct. Later that that i receive an over draft fee for {$28.00} which i kind of figured would happen since I did accidentally try to send two payments of {$800.00}. Then on the XX/XX/XXXX my credit card had a refund " payment reversal '' and i called on the XX/XX/XXXX after seeing that, to see what happened. the lady had told me that when i called with the banker they requested for a refund of the {$800.00} and the stopping of the 2nd {$800.00}. She then explained to me that i would have to wait the 5 business days for the money to be refunded into my account. On the XX/XX/XXXX I had checked all my accounts and nothing was posted of the {$800.00}. I called and the gentlemen i had talk to said the {$800.00} will be in my account by Friday XX/XX/XXXX because it could take 11 business days to process since its going to an outside wellsfargo account. I checked my accounts again, did n't see the {$800.00} posted anywhere so i called wellsfargo. The guy had told me that they never received any of the payments, i explained to him what had happened, and he just said that nothing was ever taken out of my account due to insufficient funds. I told him that the first XXXX was taken out but the 2nd was n't and how i went to talk to the banker. He then told me that i never had the XXXX even though the XXXX was posted on the account. I then called XXXX XXXX XXXX to figure of what happened to the XXXX since wellsfargo wanted to say i never had XXXX and the lady told me that i already had pending transactions leading into XXXX which did n't make since because i did n't use my card for a good week or so. how there was exactly {$800.00} missing from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents coming from your agency does NOT MATCH my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1681i-6b-iii, I requested a description of procedure used to verify the accuracy and completeness of the information pertaining to these fraudulent accounts that are on my credit report. I received no response showing me the description of procedure, which is a violation of the FCRA. 
There are multiple discrepancies and inaccuracies within the account information that Experian said they verified. There is incomplete and missing info such as last payment date, etc. Experian is falsely verifying fraudulent accounts with no valid proof.
Product: Checking or savings account

XX/XX/XXXX - I deposited a {$6000.00} CASHIER 'S check issued by XXXX XXXXXXXX XXXX to my joint account to cover a charge from the IRS. 
XXXX deposit XX/XX/XXXX - No deposit XX/XX/XXXX - I called USAA to see what was holding up my deposit and was told it was a SYSTEM issue that could not be over-ridden. I escalated the call to their Problem Resolution team and spoke with XXXX. He said he would have this assigned to a person on his team to look into. No name or callback number was provided. I asked that he have the person working this to call me back by end of day today to provide an update. He agreed to that. 
The problem here is lack of personal engagement on the part of USAA. No person has looked at this check to see that it is a CASHIER 'S CHECK ; IT IS LIKE CASH. {$6000.00} is less than the {$10000.00} TSR requirement. 
Has AI taken over USAA? If a person there would look at this, they would see that the account has an outstanding charge from the IRS that this deposit would cover. AI is not very intelligent and I am disappointed and enraged by their inaction. It's absurd!