23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXX XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Credit card

I applied for an Amex gold credit card which has a welcome bonus of XXXX points after spending XXXX in the first 6 months which I already did. but I never received a welcome bonus. 

I reached out to Amex about this is they said I would not get a welcome bonus if I had another Amex. 

During the credit card application, they never sent any message or alert stating that I would not get a welcome bonus due to already having another credit card before and after I submitted my application. 

if I had known or received any kind of message about this I would never have gone and applied for the new card.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX XXXX  - Account # : XXXX - Balance : {$46000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Checking or savings account

From last year chime only does mine wrong and made me feel small and embarrassed ashamed don't like talking on my phone outside anymore because of them
Product: Credit card

Was injured in a auto accident, was XXXX because if lack of hormones. Doctors wouldn't listen. Some flipper bought the house that I was renting and had me evicted to build a duplex and get rich quick. I bought a cargo truck from XXXX XXXX XXXX  and never got the truck. XXXX XXXX refunded the XXXX  dollars I charged to their credit card. The company that was hired to deliver the truck lied for XXXX XXXX months about where the truck was. They delivered a truck to a person in XXXX, in the meantime I had to use the credit card to pay for fuel for me to move. I had put XXXX miles on my vehicle in XXXX month to get moved outside. XXXX XXXX had returned the XXXX  dollars to the trucking company. The auction copy and the trucking company both run the truck with no oil in the engine destroying my truck. The truck never left XXXX XXXX I lost over XXXX dollars on that truck. I told XXXX XXXX that when they pay me the XXXX  dollars that they owe me I would pay them the XXXX dollars that I owe them. So instead of settling with me they rather destroy my credit. All my other credit cards are charging me unreasonable interest rates because of XXXX XXXX. Interest rates of 29 % to 31.24 %. I had a credit rating of XXXX XXXX and now because of XXXX XXXX i can't get my XXXX XXXX above XXXX points.
Product: Mortgage

Pnc bank mortgage account XXXX closing was on XXXX. Amount is {$110000.00}. On XXXX {$950.00} was entered into my pnc bank account - checking without explanation but close to amount that was to be distributed to me. 
The complaint is that no accounting was sent to me and most importantly the funds have not been paid by pnc to previous mortgagee and no funds have been paid on 3 credit card accounts as was scheduled. Interest charges keep accruing. 
Pnc loan processing has failed to distribute funds. Also, there seems to be no loan processing communication with pnc mortgage dept.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

I am demanding a response, and if i don't receive one then i am making a complaint with the CFPB, FTC, Attorney General Office and whoever else i need to contact to get this matter resolve. 
I want all charge offs and all Collections removed off my credit report and these accounts are subject to litigation
Product: Credit card

I filed a dispute with US Bank over a charge from XXXX for {$65.00} due to the product being rancid. They told me the dispute would take up to 60 days. They then sent me paperwork to fill out, which I made a mistake on and asked for new paperwork. It took some time but they sent the new paperwork which wasn't received until after the deadline due to the delay. I sent back the paperwork. However, the charge from XXXX is showing on my account again- the provisional credit was reversed - because they are saying I didn't send the paperwork back by the due date when they knew that I needed more time and the company ( XXXX ) was allotted more time. The dispute is over protein shakes I received which were not drinkable and XXXX did not provide a way to resolve the issue that was satisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents as the personal information you are reporting is not mine.
Product: Credit card or prepaid card

Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.
Product: Credit card or prepaid card

Primary Issue : I have two credit cards with Chase Bank. 
I would like to close them. 
The website does not allow the user to close the account and directs the user to contact Chase via phone. 
The phone menus do not have any options for either closing the account or talking to a representative. Phone menu options that include closing the account return the user to other menus to go back to where the user started from. 

Second Issue : There are two fraudulent charges on one of the accounts. There is no way to resolve them without talking to a representative.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights 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 does not furnish an account without my written instructions
Product: Credit card

I am writing to complain about practices of Bank of America XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Bank of America I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that " We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states " Balance '' in the " Account Summary '' section on the XXXX page of the bill and does not specify " Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}.
Product: Debt collection

I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. 
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. 
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.
Product: Credit card or prepaid card

I have been having difficulty with CitiBank Credit Card Services. My initial credit limit was {$1000.00} and I have been making my minimum payments. On XX/XX/XXXX I made a payment in the amount XXXX and {$60.00}. I made the larger payment because I needed to pay a bill using a credit card. When I checked my balance the following morning my limit had instantly been reduced to {$510.00}. Therefore essentially Citibank took the funds that were paid without any prior notice of wanting to reduce my credit limit or increasing my minimum payment so that the balance could be paid, negotiating a payment arrangement, or just cancelling my cash advance amount. They just took the {$470.00}. They later sent an email on XX/XX/XXXX stating they had reduced my credit limit after the fact that they had already taken the funds. I called on XX/XX/XXXX asking for a reinstatement of my credit line and/or a refund of the payment. The representative stated that he would file a request someone would contact me in 5-7 business days. I heard from no one and called them back on XX/XX/XXXX. Spoke with another supervisor who stated he would " have the request expedited '' I would hear back from someone in 2 business days '' I called a third time XX/XX/XXXX a woman said that there were no responses listed regarding the issue and that she would " send an email to the refund department '' it's been almost a month and nothing has been done. This is a shady and unscrupulous way at attempting to force a consumer to pay off a credit card faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( Trans union and XXXX ) but XXXX came back us unverified and was removed from report. 


XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am living off of my IRA ( retirement savings ) and wires XXXX from my Merrill Lynch IRA of XXXX to my Bank of America checking account towards the end of XXXX. I quickly saw that it was processing and a hold was placed. I requested for the outbound wire of XXXX to be retracted the very same hour. I spoke to a representative who assured me that my funds would be back at Merrill 3-5 business days. I am still waiting for my money and wire that I was promised. Instead I was lied to and given the wrong I formation from both Merrill Lynch, and Bank of America. They even told me to go into a nearby branch and have this retracted which I did. Then I was transferred to different departments and different reps. Until on a recorded call a rep told me that I should see my money back into my IRA account.
Product: Credit card or prepaid card

In XXXX, I purchased airline tickets via XXXX. I even purchased travel insurance in case the flight had to be cancelled. I later received an email stating that XXXX cancelled my flight and that I would be reimbursed. The travel insurance I purchased through XXXX reimbursed me, but XXXX did not. I have spent countless hours on the phone with XXXX as well as Citi Card regarding this matter. I have given them all the information that shows that my flight was cancelled by XXXX, not me. I was reimbursed for the travel insurance. 
Citi Card, even after having all the information clearly showing I am not at fault, refuse to help me in the matter to get this resolved. 
These tickets were purchased to for my kids and I to see family after my husband passed away from XXXX. I had to repurchase the tickets through XXXX XXXX. Having to pay for XXXX 's error will be a severe financial burden on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX. ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.
Product: Payday loan, title loan, or personal loan

Hello I have paid 2 payments I have been laid off from work due to my XXXX and my wife complicated XXXX it's been super hard for to catch up I have told the company I was going to come in soon and make a payment butneash time it fail due to financial problems the company sent a voice and said a warrent would be issued for my arrest if the car isn't paid so if there another option.
Product: Debt collection

Multiple calls between XXXX and current from different numbers from portfolio recovery. Told every single time not to call but to contact by mail. Portfolio recovery has also called family members and told them they were attempting to collect a debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT DISCOVER REPORTS THAT I PAID MY CREDIT CARD BILL LATE IN XXXXXXXX2018 ON MY XXXX  REPORT, HOWEVER IT SHOWS AS PAID ON TIME ON XXXX  AND XXXX  REPORTS DURING THAT TIME, ALSO IN XXXX XXXX XXXX AND XXXX IT SHOWS AS LATE, HOWEVER I WAS NOT LATE, I LOST MY JOB AND CALLED DISCOVER AND WAS INFORMED IF I SENT EVEN LESS THAN THE MINIMUM PAYMENT I WOULD NOT BE REPORTED AS LATE.