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

I made a charge on XX/XX/XXXX for {$1100.00} for a vacation rental. I disputed the transaction on XX/XX/XXXX as I never received the service. I submitted all materials requested on XX/XX/XXXX via email, and received a confirmation email. 

I called in on XX/XX/XXXX to confirm all required materials were received and was assured they were, and was informed that the charge would be credited before the statement closing date. I asked if there were time limits I needed to worry about, and was told that the dispute was initiated on time but that processing can take several days. 

I called in again on XXXX XXXX as I received a systemic email from Citi disputes area, advising that I had not provided the requested documents. On that call XXXX XX/XX/XXXX ) I confirmed with the representative that all materials were received and that I did not need to provide anything else. I requested and spoke with a manager on the same call XXXX XX/XX/XXXX XXXX and spoke with XXXX ( account supervisor ). XXXX again confirmed that all materials were received, and that the charge would be credited, and that I can ignore the emails sent by Citi as they were still processing the dispute. I was assured that Citi had everything they needed and that I just needed to wait for Citi to request the funds from the merchant 's bank and apply the credit to my card. I was told by the manager XXXX XXXX XXXX that he would expedite this request and reduce the time frame from 7-10d down to 3-5 days, and that I should expect to see the credit in 3-5 business days. The manager XXXX XXXX XXXX also submitted a request that I be contacted by phone, with my callback number included. I never heard back, and on XX/XX/XXXX ( a month later ), I received a letter from Citi advising that too much time had passed and that the dispute was closed. 

I have tried calling the disputes department multiple times and am told in the IVR that the department is open from XXXX - XXXX Monday through Friday. I call during those hours, and get an automated message that the department is closed.
Product: Credit card or prepaid card

Ive been using this XXXX XXXX XXXX card for months. Chase sent me a new card with new numbers. The new card is active, making purchases, and even showing that I am collecting rewards. But I had hundreds of dollars of rewards saved, that still show on chases website, but are locked out of use at XXXX. XXXX has told me 5-6 times that the issue is with chase. Chase exhaustively claims the problem is with XXXX. I need to know which jurisdiction covers deliberate theft of reward points while both institutions demonstrably lie to me. Every time I talk to them Im told 24-48 hours and its been weeks. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXX they all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX XXXX
Product: Checking or savings account

I went in my mobile app for BOFA, and it was locked. I tried getting a hold of mobile banking and they havent been answering my calls. I went to the bank and they had me running in circles to se why my account was locked but could not give me any information. I still have no answer on to why my account is locked. 
I cant even see the amount thats in my account nor can I login, or use my card XXXXXXXX XXXX
Product: Debt collection

There is debt on my credit report from this company that does not belong to me
Product: Debt collection

XX/XX/year>, my XXXX account was hacked, stolen
Product: Debt collection

Had a lease that expired with XXXX and bought it outright had paid with autopay When I starting paying the bank missed the first 2 payments received a notice and paid it immediately thru auto pay and thought I had set up auto pay again missed the next 5 payments but never received a mail notification, email or phone call although they told me they tried to call but never left a message.had to take XXXX from the bank to buy the car back. Now it has ruined my credit. If the had sent a letter or left a call I would have paid it immediately.. I feel that before they repossess someone vehicle they should be required to leave a message or if sending a notice it should be required to be signed for
Product: Vehicle loan or lease

Loan was opened in XX/XX/XXXX. Payments made monthly on time and never late. Final payment was made on XX/XX/XXXX. 

I have requested the title as well as a lien release form. Company is not responding. Websites ( XXXX ) is no longer in service. Phone numbers are disconnected ( XXXX ). 

In order for the state of GA to release my title to me, I need a regulatory agency to confirm this company is no longer operating.
Product: Checking or savings account

I am an XXXX XXXX XXXX XXXX. On XX/XX/2022 XXXX $ was taken out of my account and transfered to a different account. I did not authorize this wire transfer. The money was sent to an external account number which was added to my account on XX/XX/2022. I never requested for an external account to be added. I have called Chase Bank multiple times. However they say they determined the wire transfer was authorized and they refuse to give me back my money or help me at all. I am at a complete loss as what to do. Chase Customer service has been useless.
Product: Credit reporting or other personal consumer reports

Acconts has been constantly sold to different companies and with previous companies I was under forbearance. Credit report shows over 120 days late and counting and effecting my credit score.
Product: Checking or savings account

ON XX/XX/2021 AN AGENT WITH CHASE BANK IN CUSTOMER CLAIMS REVERSED PORTIONS OF TWO PAYMENTS THAT I HAD PREVIOUSLY MADE. 
( PLEASE SEE ATTACHMENTS ). 
BOTH CLAIMS TOTALED {$1.00}, XXXX  CENTS. 
I DID NOT AUTHORIZE THE REVERSALS. 
THERE ARE GUIDELINES FOR MAKING A CLAIM. A CUSTOMER CAN NOT MAKE A FRIVOLOUS CLAIM JUST BECAUSE! THE AGENT WHO DELIBERATELY MISHANDLED BOTH CLAIMS SHOULD BE REQUIRED TO GIVE PROOF. THE TWO PAYMENTS THAT I MADE WERE TO PAY OUT " XXXX XXXX, '' AND " XXXX XXXX XXXX. '' I WOULD HAVE NO REASON TO MAKE A DISPUTE!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy of a late payment for my XXXX account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for Equifax, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and Equifax, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent EQUIFAX, via certified mail, a dispute pertaining to accounts on my credit report which contained inaccurate information. I requested an investigation of the disputed accounts. One of the disputed accounts on my credit report is ; Account Name : XXXX, Account Number : XXXX. I disputed that this account is inaccurate and does not belong to me. Within 30 days EQUIFAX provided me with their investigation results, which I received on XX/XX/2023 via USPS mail. Within their investigation results, there was NO verification or modifications of Account Name : XXXX, Account Number : XXXX. I did not receive verification of the above mentioned account within 30 days nor was I notified of a need for EQUIFAX to extend their investigation on the account, being that I did not provide any additional information for them to do so. EQUIFAX has violated my rights by continuing to report this account on my credit report. This inaccurate and unverifiable information must be removed immediately from my credit report. EQUIFAX did not respond nor verified this account on my credit report within a reasonable timeframe as established by the FCRA which is a violation of the FCRA. I have evidence to prove my statement.
Product: Credit reporting or other personal consumer reports

Re : Disputing errors on credit report To whom it may concern, This complaint is against XXXX XXXX XXXX for the account XXXX XXXX XXXXor the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX XXXXXXXX  provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
Product: Debt collection

I never received anything by mail no written Validation notice or a phone call if they called my phone they did not leave a message. I just found out about this debt thorugh XXXX when I received an email stating there were changes to my credit report. I checked my credit and saw my score had went down I saw that this company Midland Funding LLC was on my credit report saying I owe XXXX. I called the number on my credit report XXXX The gentlemen that answered never announced the name of the company just picked up and said this call may be recorded or monitored. He could baily speak English he could not under me I could not understand him I got so frustrated I hung up. I took this as being a scam. I looked at my report and saw that the original creditor was XXXX per my credit report that acct has been closed-charged off as bad debt showing amount past due {$0.00} Last reported by XXXX XX/XX/2016 Midland Funding is showing XXXX open date XX/XX/2016. It looks as though Midland Funding brought this acct. How can you but something on my credit report with an owed about that is incorrect and never contacted me or sent me anything by mail I am very upset about this. I will be contacting the credit Bureau to have this removed from my credit report and I will be contacting the Better Business Bureau. Please attached supporting documentation.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from this unlicensed and predatory loan company. I been trying to resolve my issue with them, by canceling my loan with them. The loan amount is {$1200.00} and the payment {$530.00} every month, there are XXXX payments in total. I had token out XXXX previous loans from in the past months. 

This company interest is abound 500 %, I have made XXXX payment of {$530.00}, this amount was only applied towards the interest and never the principal. 

I mentioned before that I took XXXX loans from them and none of them were ever reported to the three credit bureaus. I dont know where my money has gone to. 

I tried fixing and resolving this issue but there are very persistent. I want this loan cancelled and to never due business with them again. 

I have already file a report to the Federal Trade Commission. I also found out this company has a class action lawsuit against. So, this wouldnt be the first them they have been report my someone. 

This company is unenforceable and an unlicensed lender here in Colorado. In my state its illegal and a felony for internet to exceed 45 %, the interest for this company is at 524 %. 

They also threaten to send my debt to a collections agency.
Product: Debt collection

NOTICED ERRORS ON CONSUMER REPORT AND MADE CROWN ASSET MANAGEMNT ( A 3RD PARTY DEBT COLLECTOR, ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS, RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CROWN ASSET MANGEMENT, WAS SENT A NOTICE OF VIOLATIONS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE ALLEGED DEBT REPORTING TO CREDIT BUREAUS AND OTHER AGENCIES 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS A DEBT OWED IN THE AMOUNT OF {$1800.00} THAT WAS CHARGED OFF BY THE ORGINAL ALLEGED CREDITOR XXXX XXXXXXXX AND DEEMED UNCOLLECTABLE 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # 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 can not furnish a account without my written instructions
Product: Credit card or prepaid card

I logged into my Comenity account on XX/XX/XXXX to make a payment. Reviewing my bills, I found 2 charges to XXXX XXXX that Ididnot make. I called customer service to dispute the bill. She said that I had to call XXXX to remove the charge. I called XXXX and they agreed that I did not make the purchase but to dispute my complaint with Comenity. 

I called Comenity back. They refused to remove the charge. She did make a claim with the dispute team. Being unsatisfied with her refusal to remove the unauthorized charges, my first agreement with the service rep was to have another card issued to me and close the card that was violated. After speaking with her longer, my final decision was to pay the entire balance including the fraudulent charges, close the account and sever ties with Comenity. She assured me that she closed my account and that I had paid all that required fees/ balances. A few days later I get another charge for {$30.00}. I paid it on XX/XX/2023. 
I called and asked why my account has not been closed. She assured me it was closed. I keep receiving bills on a XXXX balance closed account. I called and spoke to a male service representative who said that he will email a statement indicating my account is closed. He did not. Not only did he not email the statement of my account being closed, everytime he was providing information, the phone suddenly became static. I am writing to get help with closing this account and stopping fraudulent fees. I also want reimbursement for unauthorized charges and fees.
Product: Student loan

I need to refi, extend term, etc on my student loan to make my repayment more affordable. I am a min wage person. I did not graduate from my school XXXX XXXX but have been struggling to keep making payments which I have been doing for over six years. RBS Citizens is my lender. I have tried to contact them but have had NO RESPONSE. I can pay some just not under the current payment terms.
Product: Debt collection

I switched phone service from XXXX to XXXX having paid my final bill ( approximately {$350.00} ) and having returned ALL my XXXX equipment. This was in early XXXX of 2018. Subsequent to that, I received another final bill from XXXX in the amount of {$2300.00} and change. I contacted XXXX to dispute the erroneous billing and was told by the XXXX Customer Service Rep ( XXXX XXXX ) that I would not receive any further billing. Since that date, I have received no further communication from XXXX with the exception of the emailing of the transcript of the chat, which states, " I have successfully escalated the issue to my higher level team and put the notes in the account. You will not receive nay further bills. Be rest assured. '' As you can imagine, it was quite a surprise to learn that just a few weeks ago ( on or about XX/XX/XXXX, XXXX handed the account over to Diversified Consultants of XXXX who immediately filed a collection action with the XXXX. Neither XXXX nor Diversified sent any letter or email notification of their claim. In fact, it seems that Diversified has a habit of not providing the required written notice of a collection action. No written notification was received in my case. What they typically do, and did in my case, was wait until the see a credit inquiry for a home loan and then file a derogatory collection claim with the credit bureau - XXXX  in my case. Again, this is very dishonest and what they did in my case and have done on other cases according to information available in your records.
Product: Mortgage

Yesterday, I completed a loan application with wells Fargo yesterday, and downloaded all documents available to me along with the preapproval for 15 years, later on, the mortgage specialist sent me a preapproval letter with 20 years which is completely different from what I applied and received. They are trying to take advantage of my accent simply because I'm a foreigner. 
I have the preapproval letter from Wells Fargo with the correct rate and year then loan officer sent me something completely different ; simply because I'm a foreigner and since I have an accent they think they can take advantage of me.
Product: Credit card or prepaid card

I opened a Citibank Aadvantage Platinum Select World Elite MasterCard account XXXX # XXXX ) in XX/XX/XXXX. Their promotion promises that I would receive XXXX Bonus Miles in my Aadvantage Frequent Flyer account if I spent {$2500.00} in the first three months of account opening. On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I charged a total of {$2800.00} to my Citibank MasterCard. As of this date, XXXX XX/XX/XXXX, four months after opening this account, I have NOT received the XXXX Bonus Miles in my Aadvantage Frequent Flyer account. Why have the promised miles NOT been posted to my Aadvantage account? 

I have called Citibank multiple times and either not received an answer or have been placed on hold for an interminable time. My time is more valuable than that.
Product: Credit reporting or other personal consumer reports

Company is putting an open date on the credit report as the date they acquired the account, instead reporting correct information of actual date the account was delinquent with original creditor.
Product: Credit card or prepaid card

On or about XX/XX/ I went onto the XXXX 's website to manage my account. I entered a new payment source as I closed my previous checking account do to a merchant 's unauthorized charges. The new payment source included the new routing and account number. I then set-up a {$200.00} payment for a bill that required only a {$27.00} payment. The payment confirmed with reference # XXXX. At the conclusion of the transaction a message came up on, " We will verify this account and process the payment ''. That is not what occurred, instead, XXXX XXXX attempted to take the payment from the closed checking account. As a result, XXXX 's reversed the payment and charged me two ( 2 ) {$27.00} charges. One was for a late fee, and the other was for a returned check charge. I was also charged {$8.00} in interest which should not have been assessed. I received a call late the evening of XX/XX/ from XXXX XXXX indicating my payment was late. After he reviewed the history, he agreed this was their error and was supposed to reverse the fees and interest. Additionally, he reprocessed the {$200.00} payment under the correct account. Currently, XXXX XXXX has only refunded one ( 1 ) {$27.00} fee. I have not been credited the {$27.00} fee or the {$8.00} in interest that was charged. I have talked to several XXXX 's credit employees about this situation and was even told the correct {$200.00} payment is floating and has not been processed. My bank confirmed XXXX XXXX has not processed it through my account. This entire situation was the fault of XXXX 's not mine. The representatives are uneducated and unskilled, passing me others, On XX/XX/, I was left on hold and ended up on the phone with an hour trying to get this resolved. It still is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 2 XXXX student loans on my credit report from 2008. I requested them to verify this information and send me any evidence these loans are mine such as a contract or documents that I sign for these debts. However they have never done this and continue to report these 2 accounts on my credit. I have disputed these accounts 4 times and the outcome have been the same. They don't remove them and they don't send me any evidence that these accounts belongs to me. I am a XXXX XXXX XXXX Veteran and this situation is affecting my credit and my peace of mind.
Product: Debt collection

I reported this fraudulent account in XX/XX/2017. I filed a police report and filed out an identity theft affidavit to properly document the activity and report the account. I contacted Wells Fargo multiple times with an affidavit explaining the situation which has been ignored. The responses I have received has stated that they will do nothing and continue reporting this information because they can. The account obviously exist because they sent me an account activity statement, but what they failed to provide is my connection or permission of this accounts existence. My request under section 605B of the FCRA has been ignored and violated by this creditor. The amount showing to be owed is {$2300.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The bank has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the account after the bank recognized the inaccuracy of the account. I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

XXXX  XXXX XXXX XXXX ....
Product: Debt collection

Im aware section XXXX requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.