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

Concerning Home Depot credit card managed by Citibank. 

In XX/XX/XXXX we purchased a fence with 24 month free finance in the amount of {$5000.00}. This amount is due in full by XX/XX/XXXX to avoid any interest charges. 

In XXXX of XXXX, we purchased a tractor with 24 month free finance in the amount of XXXX. This amount is due in full by XX/XX/XXXX to avoid any interest charges. 

There have been NO other charges made on this card since then. 

The credit card company put the purchase for the tractor XXXX {$2000.00} ) on a 6 month promotion rather than a 24 month promotion. We contacted the store and Citibank, they apologized and said they would fix the error and reallocate payments already made to be put toward the promotion due in XX/XX/XXXX first. 

On XX/XX/XXXX we received a letter from Citi bank stating they would honor the {$2000.00} for the tractor purchase to be moved to a 24 month finance promotion and the due date to avoid interest would me XX/XX/XXXX. 

Unfortunately, they only moved {$330.00} to the promotion and moved the balance to a revolving account where we incurred interest charges every month. 

We called every month and were told it would take up to 2-3 billing cycles to correct. As XX/XX/XXXX began, I began calling every week. Every week I was told it was being handled. Then I was told it was handled and that is how the charges stand. I asked for proof of purchase of the money that was being held on a revolving account that appeared between my XX/XX/XXXX and XX/XX/XXXX account. Citibank was unable to do so and realized their error, and once again promised it would be resolved. 

In addition to items being resolved to fall under to correct promotional balance, Citibank assured us they would applied past payments correctly to pay off the promotional balance due in XX/XX/XXXX first. 

XX/XX/XXXX statement came we owe a total of {$1600.00} on our card. They still have not fully credited us on interest charges we have incurred due to their mishandling of the account. 

They moved the revolving balance to the balance due in XX/XX/XXXX, then pushed it out one month making the due date for XX/XX/XXXX. When what should have been done was move the revolving balance to XX/XX/XXXX and reapplied any payments to the promotional balance due first. 

As we stand our account reads we owe, {$1600.00}. 

{$1200.00} for the fence due XX/XX/XXXX ( originally due XX/XX/XXXX ) {$330.00} for the tractor due XX/XX/XXXX {$13.00} for interest charges applied on the revolving account which citibank created.

Our account should read {$1600.00} for the tractor due XXXX of XXXX.

Less any additional interest chages that have not yet been credited.

We have NEVER missed a payment. I have spent well over 120 hours of my time disputing this and working with numerous departments who all agree there is a mistake on Citibanks end and assure me it will be taken care of, and yet 10 months later I am still in this predicament.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the TXXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
Product: Mortgage

Early in XXXX, we closed in on a reverse mortgage with a company XXXX. Their spokesman is actor XXXX XXXX. The ads on the Tv. seemed honest. We were told we had substantial equity and assumed we had some cash coming at the closing. The notary said there is no cash instead an amount of XXXX XXXX dollars was set aside for needed repairs. The money to be given to us after the repairs are made. I told them I need some of the money for a down payment for the repairs to get started, but they say no way. Now I have been informed that the loan is in default because the repairs are not done. With the covid and no money for a 30 percent down payment, I am locked out. The XXXX not-so-nice department sent me a letter of the statement says I have a credit line of XXXX to use. I call them in XX/XX/XXXX and I asked to have the money for a down payment for repairs and they told me I can not have the money because the loan is in default. Why did they send the letter to me in the first place? Now in XXXX I contacted the XXXX office which is accounting and residency verification told me that the XXXX office is breaking the law that that money is mine and to be used for any bill or project I choose. They told me that putting the loan in default has gone against us in the credit line making us look like we are behind in payments, there are no payments in a reverse mortgage. Either way this makes us look bad, it's like we are being punished for nothing.. The XXXX office is trying to straighten things out but the XXXX is not coperating. Nothing seems to be going anywhere. I would suggest starting with the XXXX office as they are trying to be helpful.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of fraud, and I have discovered that XXXX, Equifax, and XXXX are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the XXXX major credit bureaus, I found several inaccuracies that are negatively affecting my credit score. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX XXXX$14000.00} - XXXX XXXX  : {$25000.00} - *XXXX XXXX XXXX XXXX {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health. 

XXXX. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts. 
XXXX. I filed a report with the local police department related to the fraud. 
XXXX. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions. 

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit. 

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly. 

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

The State of Maryland is charging me apx {$6.00} k to release my graduate transcripts. I believe they and individual employees at XXXX are ripping me off.
Product: Mortgage

My mortgage loan serviced by NewRez, dba Shellpoint, was on auto pay in XXXXXXXX XXXX XXXX. In XXXX XXXX XXXX NewRez cancelled my autopay claiming a returned payment as NSF. The linked bank account had a substantially sufficient balance and NewRez reported this payment as late to the credit bureaus despite me making a timely payment.
Product: Consumer Loan

Nationwide Acceptance 's website says I owe a certain amount of money significantly less than my monthly payment. They acknowledge their website is wrong and says it does not calculate interest correctly when overpaying the monthly loan amount. Then the debt collection phone calls started, where 80 % of the calls came from blocked numbers ( says No Caller ID ). I have been hung up on and told the phone calls will not stopped. Additionally, when trying to resolve the issues and be current, I called two days before the next payment was due to fix the issue and they choose to only disclose the amount I owed for one month instead of two ( due to their errors on the website ). Later, still trying to fix the problem and be current, I was told there were little notes on the discussion and I was mistaken. When talking to an actual branch in Nevada ( different from their collections office located in Illinois who never returned my call ), when I told them about the blocked calls they denied ever doing it and their legal team is big and welcome complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX,2012. Each Credit Bureau XXXX, XXXX and TransUnion have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
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. 

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  has violated my rights.

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: Vehicle loan or lease

I XXXX XXXX GOT A VEHICLE FROM WESTLAKE FINANCIAL SOMETIME LAST YEAR AROUND THIS TIME AND I USED THE NEGOTIABLE INSTRUMENT TO PAY THE CAR NOTE THE NOTE CREDIT AGREEMENT, BILLS OF EXCHANGE AND CHECKS ARE DEFINED AS LEGAL TENDER, OR MONEY BY THE STATUTES SUCH AS 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ) ( 12 ) B 49, 64. I HAVE BEEN SENDING VALIDATION LETTERS TO CONFIRM THAT I OWE THIS DEBT AND WHO WAS I PAYING IT TOO THEY CAME AND TOWED MY VEHICLE ITS BEEN ABOUT 4 WEEKS NOW SINCE THEY HAD AND THEY STILL HOUNDING ME FOR PAYMENTS VIA EMAIL AND SOMETIMES THEY WILL CALL AND HANG UP JUST TO GET ME TO CALL THEM ABOUT SOMETHING THEY ALREDY HAVE THEY CASHED MY LEGAL TENDER SO THERE FOR I OWE ANY DEBT WITH THEM AT ALL.
Product: Checking or savings account

I logged into Chime to inquire about a deposit that was not recievsd in a timely manner. I was told by a Chime agent they could see the deposit, the amount it was for, and the depositors name in their system and it showed that it was in processing and would post that day or the following one. I used the information provided to inform my creditors of when my deposit would be recieved and agreed to make payment within that time frame to avoid additional fees. As the end of that time frame approached I again inquired with Chime to see where the deposit was. This time I was told Chime and it's agent can not see any part of a deposit until they recieve it and that I was " misinformed '' by the previous agent as none of the previous information about my deposit such as amount and depositor name was accessible to the agent working for Chime who told me where it was and when it would be rexieved. To sum this up my financial institution provided me false / imaginary information not based in anyway on fact or accessible information they had access to which I provided to my creditors causing me to enter into financial agreements under false pretense.
Product: Debt collection

XXXX XXXX has a collection on my XXXX and XXXX credit report from two collections agency for a debt thats not owed. XXXX  XXXX has a paid collection on my credit report reporting as open.
Product: Debt collection

Credit acceptance Corp, XX/XX/2016. Took and sold vehicle so could get it back, started garnishment
Product: Debt collection

First Federal Credit has a medical bill on my credit report that is not mine. Its my ex husbands and the debt was after my XXXX. I have disputed this and it was included in my bankruptcy just trying to get it off my credit and this company refuses to remove it
Product: Credit reporting or other personal consumer reports

Hi Manager, CFPB Representative, Please see the attached documents regarding ongoing issues with inaccuracies on my credit reports. Over the past XXXX  months, I have repeatedly attempted to address these errors with XXXX, TransUnion, and XXXX, but all three credit reporting agencies have failed to comply with their obligations under federal law to thoroughly investigate and correct the reported information. 

The following are the key issues Ive identified : Re-aging of Accounts : These agencies have repeatedly updated the " Date of Last Activity '' ( DLA ) on several accounts, causing them to appear as recently active. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA, 1681s-2 ( a ) ( 2 ) ), which prohibits the illegal re-aging of accounts to extend the reporting period beyond the legally allowed timeframe. 
Inconsistent Payment History : I have discovered discrepancies in payment statuses and histories across the credit bureaus, with some accounts reflecting late payments or past-due statuses even after being marked as collections or charge-offs. According to FCRA 1681e ( b ), credit reporting agencies must maintain accurate and complete information in credit reports, which has not been done here. 
Invalid and Questionable Balances : Certain balances on my accounts appear inflated or inconsistent across the bureaus, indicating a failure to verify these balances properly. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates credit bureaus to conduct a reasonable reinvestigation of disputed information.

Reporting on Transferred or Sold Accounts : If a charged-off account has been sold or transferred to another party, it can not continue to report as late or past due by the original creditor. This violates FCRA 1681s-2 ( a ) ( 5 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ( 8 ) ), which prohibits furnishing false or misleading information. 
Summary of Violations These errors constitute severe breaches of my rights as a consumer under the FCRA and FDCPA, including but not limited to : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation 1681s-2 ( a ) ( 2 ) : Re-aging of accounts 1681s-2 ( a ) ( 5 ) : Improper reporting on sold or transferred accounts 15 U.S. Code 1692e ( 8 ) : False reporting of account status
Product: Credit reporting or other personal consumer reports

I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

Since mid XXXX XXXX day I 've been contacted by the same debt collector. I have spoken to them about my debt and asked then to not contact me again but they persist. Everytime I asked them to please stop calling me and that I 've already talked to someone regarding my debt.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022 and XX/XX/2022 a person identified as XXXX XXXX obtained the information she needed to access my Cashapp account and created unauthorized transfers totaling {$3200.00} to her account without my permission or authorization. I have contacted Cashapp support on several occasions and filed disputes offering proof that they were in fact fraudulent transactions. 
Cashapp would provide a generic message saying someone would be in touch within 10 business days and I would receive no further communication from them regarding the matter until the 10 days were up and then I would receive a denial stating that based on the investigation they conducted they found the transactions were either made with my permission or could have been prevented by me. When I requested copies of the documentation they used I was just provided a list of the disputed transactions. 
I would again refile the dispute and receive the same result with the exception of last time when I received the 2 attached emails one stating my case was closed for the same reason listed above and another claiming it was denied because they had received no communication from me in 3 days, when no one had tried to contact me and I was told to allow the 10 day time period to pass
Product: Checking or savings account

A checking account was fraudulently opened online with Bank of America using my contact info. I spoke with BofA and they weren't able to share any details of who opened the account or how. I've had my credit frozen with all three credit bureaus for several years. I swore never to do business with BofA again after they wouldn't give me my car title even after my car loan was paid off months earlier. It's not clear if this account was created by BofA or an actual 3rd party pretending to be me. BofA needs to have higher standards for verifying applicants before they open accounts under their name. This is fraud and is indicative of reckless business practices by BofA.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan thru citibank application XXXX, my loan was denied and I waited for letter to let me know reason. The loan was denied because according to citibank I have a fraud alert on my XXXX report. I called XXXX they said I have NO alert on my credit. I called citibank they claim I still have alert? I Called XXXX again they said I dont have alert on file. Citibank requests i reapply for loan system wont allow me because it still shows above application.
Product: Credit reporting or other personal consumer reports

I have written several letters as Experian to correct the information about my student loans. 
XXXX letter was sent on XX/XX/XXXX, the other XXXX was on XX/XX/XXXX with documents showing the loans were closed with a {$0.00} balance. 

On XX/XX/XXXX, I filed a Cfpb, they still have not corrected the information. Now the credit report shows, that the federal student loans are part of a bankruptcy. 

First of all, as of XX/XX/XXXX all of my student loans have been forgiven over the XXXX program. At this point, if my credit report is not correct I will file a conflict with the State Attorney and Sue Experian. Under the 15 US 1681. 

They are not doing the proper investigation.
Product: Checking or savings account

On XX/XX/2021 I received a payment from an user name XXXX XXXX for a transaction we made on a platform in XXXX, she transferred {$700.00} as she supposed to, she also sent money to other people I know who uses that platform. On XX/XX/2021 I noticed on my bank a hold for that money, when I called the bank the bank fraud department told me it is because she is saying someone stole her identity and made those XXXX payments, how is it possible that the bank more than a month later allow someone to claim such a thing without even a police report or something. So basically at this point I dont have my money and that person could have performed a perfect fraud to me and the bank is not protecting my assets correctly cause all they tell me is there is nothing they can do. This is gross negligence they are saying that if they notice that someone made a transfer from an IP address that is not the ones they usually use they are giving the claim to them. So technically if I use the phone of someone I know and make a transfer and then call the bank and say hey I was victim of identity theft they will just simply give me back my money cause the money was not sent from my common ip addresses? That doesnt even make sense. I am not the only person I know who has suffered from this scam in the past couple of months and the bank seems to not care.
Product: Credit card

Complaint Against Avant Credit Card - Failure to Deliver Card and Customer Service.

I am writing to file a complaint regarding my experience with Avant, specifically related to their credit card services. I applied for an Avant credit card in XXXX and was approved on XX/XX/year>. According to Avant, my card was scheduled for delivery beginning on that same date, but as of XX/XX/year>, I have yet to receive it. 

After waiting past the initial estimated arrival time, I contacted Avant to request a replacement card. The customer service representative informed me that another card would be sent on XX/XX/year>. However, it has been over two weeks, and I have still not received any card. Repeated follow-ups with Avant 's customer service have led to excuses, such as blaming delays on the postal service, followed by instructions to wait another XXXX days each time I inquire. 

At this point, I am extremely dissatisfied with Avant 's customer service and lack of transparency. The inability to provide proof of the card being mailed, coupled with delays and repeated excuses, leads me to question the company 's legitimacy. Given the situation, I am requesting that Avant immediately close my account and remove any trace of this account from my credit file. I feel this is necessary as I have lost confidence in the companys credibility and service reliability. 

I appreciate your assistance in addressing this matter with Avant. Thank you for your time and support.