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

Please help me. I have been trying to resolve a fraudulent transaction on my XXXX  account by ADP. 

My payroll check is deposited on the XXXX  card. The day of payroll my account had a transaction of {$700.00} fraudulently. 

Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX  to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with XXXX. 

I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. 

I don't believe XXXX has the problem properly documented or failed to do a proper investigation. 

The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX  card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. 

I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. 

I d prefer that XXXXy card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

Id like to draw public attention to the underhand banking practice by Citibank regarding their Citi Flex Loan Offer. For the past 6 years I have been with this bank as a credit card holder, currently carrying a line of credit for XXXX. I use this card for everyday purchases which is paid in full when due ( sometimes earlier ). They kept bombarding me with a Citi Flex loan offer where they would convert a portion of the line of credit at a fixed APR with a fixed monthly payment. A family member had $ XXXX XXXX  XXXX 14.99 % so on XX/XX/XXXX I accepted this offer for $ XXXX 8.99 % to help her since she lost her job during the pandemic. 

Based on follow-up phone calls, I understood that the remaining line of credit ( XXXX ) was available for use in the usual manner but at prevailing APR ( 19.99 % ) on unpaid balances that exist after due date. That was a non- issue since my balance is always paid in full. 

Everything seemed to be flowing well until my XX/XX/XXXX statement revealed more interest accrual than expected and upon closer examination I discovered that Citi was applying my payments for everyday purchases to my flex loan with the lower APR of 8.99 % advancing this loan to pay-off at lightening speed. Essentially, they created an opportunity to charge me interest at 19.99 % which is a direct contradiction to their terms and agreement as highlighted below : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. '' I called them out on this egregious practice and interest on standard purchase of {$47.00} for that billing cycle was reversed ; however, the account still shows a balance for standard purchases so this continues to accrue at 19.99 %, much to their advantage. To date Im charged almost {$100.00} more in interest than I agreed to. I have called at least 6 times, also mailed and faxed letter asking them to fix this ( mailed on XX/XX/XXXX and subsequently faxed on XX/XX/XXXX ) ; to no avail not even the courtesy of a response. This is criminal behavior and must be exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a car loan from XXXX in XX/XX/XXXX for a XXXX. I was never late or missed a payment. I decided to trade the car in for a XXXX in XX/XX/XXXX. The XXXX was parked at the XXXX dealership ( per the dealership suggestion ) while awaiting the trade-in but was towed for exceeding a Parking limit. I was not aware it was towed. The tow company called XXXX ( as they are the registered " owners '' of the car until I pay of the loan ). XXXX failed to reach me promptly so they paid the tow company fees. I learned the car had been towed, called XXXX, repaid them the fees, picked up the car and traded it in for the XXXX and paid off the remaining loan for the XXXX. XXXX assured me that there would not be any affect to my credit for the misunderstanding. I did not default on the loan in any way. However, " Redeemed Repossession Closed '' is in the remarks on some of the credit reporting agencies. This remark has prevented me from obtaining a business loan and I would like it removed. This was a miscommunication issue that was resolved within a few days and XXXX assured me it was cleared and would not show up on a credit report. I have attached a copy of one of the credit reports that shows that no payments were missed or late, the loan was paid in full.
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 Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance XXXX {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. Nelnet sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.
Product: Checking or savings account

Hello, I need to open a dispute for 4 transactions made with my debit card ending in XXXX. The seller never sent the items and also never gave any tracking number or delivery information. 
I tried to reach them several times by phone calls and emails without success. 

Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 4 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Until now I dont have the products, and also dont have any solution from the merchant.
Product: Debt collection

I have reviewed my personal credit report and noticed two accounts listed from Professional Debt. I have mailed two notices to the company requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. My first letter was sent via XXXX certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. I received no response so I sent a goodwill letter on XX/XX/XXXX received XX/XX/XXXX. I have yet to receive any communication.
Product: Credit card

I would pay my bills and they wont send me the money back even though when I had money in the account too cover the balance due companys reported it late and it hurt my credit score
Product: Mortgage

On XX/XX/XXXX my wife and I applied for a FHA XXXX refinance. This process normally takes no more than 60 days however we have still not been able to close due to Freedom Mortgage 's negligence in providing accurate closing documents. Freedom Mortgage has sent a closing agent out 3 times. The first time was in XXXX, XXXX, and with the last time as early as yesterday XX/XX/XXXX. 

The error in question is the failure to have the accurate balance reflected on the subordination agreement and note. We have reached out to several managers as well as the CEO and other executives of Freedom Mortgage and not one executive officer has responded to our concerns. Beginning to think there is XXXX discrimination when you look at the processing time of this simple loan XXXX no credit / no appraisal ) for XXXX borrowers versus XXXX American borrowers.
Product: Student loan

On XX/XX/XXXX I originally called mohela to set up an IDR payment plan through the XXXX  program. I make very little money and I was told my payment would be {$0.00} but then they started charging me my old payment amount through auto debit. I did not catch this mistake until XXXX. I called again XX/XX/XXXX and I was told they didnt have my original application for XXXX so we re did it and I was promised payments of {$0.00}. But then XX/XX/XXXX received notice I would be charged {$10.00} a month, even though I make less than {$1000.00} a month which I had been told would qualify me for {$0.00} payments. Each time I have to call them the wait time is insane.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I made a call to Capital One about settling my account balance which lasted 20 minutes and 18 seconds. 

I was told the balance was XXXX and would need to pay XXXX to settle the account. I provided the representative with my card information and asked if I still had access to my online account to view the changes. I was told I didn't and that the account would be updated. 

Shortly after I received a letter from Capital One dated XX/XX/XXXX saying I made a payment and my remaining balance was {$79.00}. I called in to ask why the letter said I made a payment and not that I'd settled the account, to which I was told, it would update to the correct status in 30 days. My credit report reflected a {$70.00} something balance as well. Neither updated. 

On XX/XX/XXXX I received a notification from XXXX that my account from Capital One reported a late payment for XXXX, after the account was settled for the amount of {$290.00} as it does now. 

I have called 5 times since then and street clicking through the automated system I get the message that the office is closed ... at XXXX XXXX? Not likely. I've been working to build up my credit and this is doing the opposite.
Product: Credit card or prepaid card

This is regarding the rewards program for Chase Sapphire Reserve Credit Card. 

On XX/XX/XXXX, I made a rewards redemption for 10 charges on my account. The request was for a credit of {$340.00} for a debit of XXXX ( approx ) miles from my account. I was charged the miles but never given the credit of {$340.00} On XX/XX/XXXX, I called Chase customer service about this issue. They agreed with me and their solution was to give me my miles back. I agreed with that and the miles showed up in my account right away. 

On the same date ( XX/XX/XXXX ), since I was ok with what the service person had told me, I made a new rewards redemption for 12 charges on my account. This was for a credit of {$460.00} for a debit of XXXX miles to my account. This transaction went through fine - both the credit and the debit. 10 of the charges in this activity were the same as those on the earlier XX/XX/XXXX transaction. 

on about XX/XX/XXXX ( not sure of date ), I logged into my account and noticed a redemption credit reversal charge on my account of {$340.00}. This charge had a transaction date of XX/XX/XXXX but a posting date of XX/XX/XXXX. In other words, after my complaint on XX/XX/XXXX - I got the miles back - but was also debited XXXX i.e. was not credit XXXX on XX/XX/XXXX but debited on the transaction reversal. 

On XX/XX/XXXX, I called chase customer service to report this issue. The person agreed with me and promised to have their escalation department fix the issue i.e. give me the {$340.00} back. 

On XX/XX/XXXX, I called chase to ask about the issue. The person at the other end did not understand what I was trying to explain and kept confusing the XX/XX/XXXX redemption transaction which was incorrect with the correct XX/XX/XXXX transaction because they had some of the same charges. Even after another 30 minutes on the phone, I could not explain. When I requested a different agent, the request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the one mentioned stated below : 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 XXXX XXXX XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 XXXX XXXX
Product: Debt collection

On this date XX/XX/2020 company opened a collection. 
Account XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... DELETE this item that caused me so much stress. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ERC account with a balance {$2300.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.