23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I applied for a Citi Gold bank account in XXXX, 2015. The account had a bonus of XXXX thank you points. I contacted Citi several times about this bonus and they consistently told me that I had met all the condtions required to receive it, and would be getting the XXXX thank you points within a few weeks. They told me this over and over again since XXXX. The account comes with a $ XXXX monthly fee, and they continue to bill me each month, but are not living up to their end of the bargain. The customer service at Citi simply tells me " please keep waiting and we 'll post the points eventually '' but it has been over 6 full months since I applied. I refuse to continue to wait and continue to pay a $ XXXX monthly fee. Citi Gold checking accounts are a scam and they are not honoring their promotion, offer code : XXXX
Product: Debt collection

XXXX XXXX has reported total of {$550.00} unpaid debt owed to XXXX on my credit report. I have tried to resolved this issue without any success. I did not purchase a XXXX phone in XX/XX/XXXX as reported by XXXX XXXX. I indeed own a XXXX phone but it is part of a family plan established by my husband in XX/XX/XXXX. This is and has been my only XXXX phone in the past 8 years. I would like for XXXX XXXX to please remove this inaccurate information from my credit report file. Thank you!
Product: Debt collection

Dear Cust. Relations Mgr., I ask that you provide validation for account history information Client Services , Inc. transmitted to any consumer reporting agencies for me, XXXX XXXX , for the so-called account number XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CLIENT SERVICES INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX Balance : {$27.00}, XXXXXXXX XXXX XXXXXX/XX/year>
Product: Debt collection

never received anything in the mail from this company. They never have said this was an attempt to collect a debt in any of their conversation. They refused to have a manager contact me. They refuse to send me a paid in full letter, They charged me {$60.00} per check. Which they had a total of 6 stop payment checks. Bank stopped payment in error. They refused to waive the Return check fee, even though it wasn't my fault. The people there don't seem like they know what they are doing. Different stories. spoke wit hXXXX ID XXXXXXXX. refused to allow me speak to a manager. Refused to give me a paid in letter, refused to give me a letter stating how much they charged me in fees. I also re guested for them to send me a letter who they were. Refused. Which should have been sent to PO BOX XXXX XXXX, GA XXXX
Product: Student loan

I filed a form to change my direct withdrawal information from my old bank to my new bank. AES, the company that holds my Stafford loan, did not switch my withdrawals correctly, so a payment was missed during this changeover. Both bank accounts were active, and they knew the information for both bank accounts, so it 's not like the funds were not available. They just did not switch them in a timely manner. Ever since this change over, they have been charging me a late fee as if I am paying last month 's loan payment this month. So, even though in reality only one payment was late ( and not my fault ), until I caught this mistake, they charged late fees as if I was paying late every month. Since I was using continuous direct withdrawal, this should never have happened. I called and complained and they are refusing to refund the {$45.00} in late fees that I was charged over the last year and a half.
Product: Payday loan, title loan, or personal loan

Ive already made a complaint about this company before but I just want to make another so everyone is aware from my awful experience dealing with Balance credit ( https : //secure.balancecredit.com/portal/payments/schedule ). So I got a loan in XX/XX/2020 with this company. The approval process is fairly quick. The interest rate is ridiculous 200 %. So I borrowed {$2000.00} and I had a payment due every two weeks for {$180.00}. Ive made extra payments and I tried to get the payment negotiated to {$100.00} a month which they did but then of course they dont tell you this they turn around and report a 30 day late to your credit report. So it doesnt matter if you and a payment plan or not they will still constantly call and harass and will still report a late. If youre even a day late or even if youre paying all the time theyll send you email constantly and call you all the time. The customer service is awful they are overseas they talk like robots dont understand anything. So this company is awful this is the worst online lending company by far. Like I mention if you struggling to make a payment or ask for a lower payment they will lower your payment but keep the interest-rate exactly the same but then will report a 30 day late. So I am writing this complaint again to hopefully warn others to stay away from this company dont do business with Balance Credit at all do anything that you can borrow from friends or family. Its not worth it at all because like I said in my case I borrowed {$2000.00} and before my last large payment I still owed {$2500.00} because of the interest rate. So anyone even considering this company dont do it it will be the worst mistake. So I repeat do not even consider getting a loan with this company you will regret it. Not only will they get you further in debt but then if you try to negotiate payment they will report 30 day late and like I mentioned they call and harass every day for payment if youre even a single day late or even if youre in a payment plan they still call and harass you. Im lucky I borrowed money from XXXX XXXX my help my dad as he cosign and I will be paying off this loan.
Product: Credit reporting

After accepting the Experian offer for a report for XXXX dollar XXXX {$1.00} XXXX, Experian enrolled me in an unwanted monitoring program. I discovered on XXXX/XXXX/2015 that Experian has been charging my credit card for unwanted services monthly {$23.00}. I called the company XXXX on XXXX/XXXX/2015 and was given the phone number XXXX. The representative at the XXXX number said they would cancel my " membership '' but would not cancel the previous monthly charges. In my opinion, the information provided at the Experian website was misleading and their decision was improper to retain the previous XXXX monthly payments totaling {$47.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Wire Transferred to XXXX Total {$2000.00} As per bank, it said : DEBIT AUTHORIZATION DENIED BY CREDITING PARTY AS FUNDS CAN NOT BE RECOVERED FOR RETURN. ACCOUNT BLOCKED FOR FRAUDULENT ACTIVITY. THIS CASE IS NOW CLOSED. 

XX/XX/2022 Wire Transferred to XXXX Total {$30000.00} XX/XX/2022 Wire Transferred to XXXX Total {$28000.00} XX/XX/2022 Wire Transferred to XXXX Total {$10000.00} XX/XX/2022 Wire Transferred to XXXX Total {$40000.00} XX/XX/2022 Wire Transferred to XXXX Total {$20000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to XXXX Total {$5000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update.

We hope this
Product: Debt collection

I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased two books from XXXX XXXX and XXXX XXXX through CASH APP for the amount of {$43.00}. 
I never did receive the books and I called and dispute through cash app three or four times and they just skip saying that they found it in the sellers favor. I am submitting the documents that cash app chose to base their decision on how long with the purchase receipt.
Product: Consumer Loan

My wife purchased a car from a XXXX dealership in XXXX XXXX, New Jersey. This purchase was financed at the time of the purchase through Ford Motor Credit. The purchase consisted of a down payment with the balance to be paid in monthly installments over a XXXX year term. On the same day financing was set up - we enrolled in automatic ( recurring ) payments from our deposit account. Nevertheless, each month my wife would log on to Ford Motor Credit 's web portal to make each installment payment and effectively overrode the auto-pay function. In the first part of this year we failed to manually make the payment as we were out of the Country ( XXXX ) and we were for the XXXX time relying on the auto-pay to make all of all periodic payments ( including this auto installment loan ). When my wife logged on the following month to make a manually payment, she was informed that the payment was not processed. She immediately made that payment ( inclusive of a late fee ) and the following XXXX, in addition to orally confirming with Ford Motor Credit 's customer service that the auto-pay was active for future months. In inquiring about the matter, I was informed by that our auto-pay request was not transferred from dealership to Ford Motor Credit when we initially financed the vehicle, but is now confirmed to be active on this account. There is now an inaccurate derogatory mark on my wife 's credit history because of their error which is negatively affecting our ability to purchase a new home. 

We reached out to Ford Motor Credit regarding this error in which they responded with a form ( XXXX ) letter that failed to address the claim. To wit they responded : " [ t ] o prevent derogatory information from being reported to the credit bureaus, the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. As the reported information accurately reflects our experience with your account, we will not request the Credit Reporting Agencies to remove it from your credit file. '' The account was not XXXX days past due, rather any failure to process the full installment payment was a result of their own failure to execute the previously authorized automatic electronic funds transfer from our deposit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act 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 reporting or other personal consumer reports

Dear Equifax, Please forward me your legal representative or registered agent for the State of Texas so that I may proceed forward with a lawsuit against Equifax in XXXX XXXX Texas. I have attempted to resolve this through the Consumer Finance Protection Bureau and to no avail Equifax did not look into the situation, did not address the issue, and told me the standard agent answer. Therefore, I am exercise any and all legal rights by filing a lawsuit against Equifax : Equifax Fair Credit Reporting Act Litigation, No. XXXX. 

I believe I am a party who was impacted by the code switch and will not proceed with a lawsuit against Equifax and will represent myself as allowed by United States law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bill was paid by XXXXXXXX XXXX  and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a XXXX. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the XXXX  office and I requested XXXX and Equifax remove the false information being reported by XXXX XXXX XXXX. They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both XXXX and Equifax keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.
Product: Debt collection

I have asked repeatedly for verification of this alleged debt, and even offered many attempts to pay, and all of it has gone unanswered, I have received no correspondence about this debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and Credit Reports states.

If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends. 


XXXX XXXX Is reporting late payments XX/XX/XXXX to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.
Product: Debt collection

Talked to a discover card representative stating that I would like to pay down my account to a level were I can use my credit she said thats a good idea you should when I payed Discover card down under my limit. 

They said they had closed my account and even though I continue to pay them the charges are way beyond the agreed payment amounts Before you know it you owe four times you borrowed They dont call or send you a reminder you just see the harm in your credit Discover card ignored the presidents Trumps decision to stop interest it charged me interest during codvi19 and reported it to credit bureaus false information I once asked why cant I see my fico score the lady said you wont see any until you pay off your credit card I dont know how many times over I will have to pay discover card
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 {$120.00}, {$11000.00}. 
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/XXXXenclosed 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. 

-- COLLECTION ACCOUNTS -- 1. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account. 

2. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.
Product: Debt collection

I purchased two items using Klarna, I was unhappy with both items as they were not as described, however unused. I was told by Klarna and the seller I would be responsible for shipping costs. Upon shipment, I took videos of me shipping the item after hearing multiple stories of poor Klarna experiences. I wanted to ensure I received my refund. I shipped these items in early XXXX, waiting for the seller to receive them. They unfortunately got lost in the mail and the items have not updated through tracking for over a month and a half. Tracking number : XXXX. I explained this to both the seller and Klarna and after two months still have not fully refunded me. I explained to Klarna that the seller blocked my email and stopped responding to my messages, despite this they said there was nothing they could do and eventually if the seller did not send a refund I would have to continue paying. Klarna was aware that I returned the items using my personal funds and followed all instructions they gave and still refused to refund me. In addition, Klarna has poor customer service. All communication regarding these matters have been initiated by me. Klarna has done nothing to contact the seller despite the general understanding that the seller is a scammer and has blocked all communication with me, the customer. Deeply disappointed, however I can happily say I will no longer be working with them. Klarna also states they do not do hard credit checks, yet Klarna only negatively effects your credit. They lie, and do do credit checks and especially prey on youth with little to no knowledge regarding credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.