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

XXXX XXXX bank and XXXX XXXX XXXX XXXX gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and XXXX XXXX XXXX XXXX did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX VETERAN XXXX XXXX bank and XXXX XXXX XXXX XXXX should update credit utilization rate to three credit bureau ASAP.
Product: Credit reporting or other personal consumer reports

I had an account with XX/XX/XXXX that I opened in XXXX at XXXX XXXX in XXXX Texas. It was closed in XXXX in XXXX. I just found out a debit collection agent is trying to collect from the same account. It reads that I opened the account in XXXX. I did no such things and I'm not sure where to start.
Product: Mortgage

I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . 

the system is not taking any attachments at all & gt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : Santander/Chrysler cap Account number : XXXX First in 2015 it is reported that i have a full year with on time payments yet shows on my credit profile that it was 30 days late XXXX of 2015. 

Second : it was reported that the balance was {$4000.00} but the principal was {$2900.00}. 

It also shows that the account was written off for {$4000.00} but the past due amount was {$4600.00}. 

Lastly it shows that the highest balance is {$0.00} on the same account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding account number XXXX. I am not disputing nor agreeing to the account. Please provide the following information in writing : The date of last payment for the above mentioned account The date of first delinquency for the above mentioned account The past due amount for above mentioned account The balance amount for the above mentioned account Th date of charge- off for the above mentioned account Thank you for promptly addressing this matter.
Product: Credit card or prepaid card

I was receiving unemployment during the covid pandemic on a card from KeyBank. My account was hacked and lots of money stolen. On XX/XX/2021 key bank sent me a letter saying that they found suspicious activity on my account and that they would close it and issue me a check for the funds stolen. The total was about {$5000.00}. They claimed they sent a replacement check but I never received it and after years and years of asking for helping and answers I still have not received any replacement check for my stolen funds. Keybank always gives me the run around every time I call and they have also become very rude when answering my questions and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.
Product: Debt or credit management

I started with Lexington Law after speaking to one of their representatives in XXXX. Rep confidently promised me that my score would be in the XXXX in the matter of a couple of months for a simple fee of $ XXXX a month, I payed Lexington Law for a long time and absolutely nothing changed due to their actions or lack thereof. Lexington Law continued to bill my debit card and account even though they werent doing anything to change my circumstances of identity theft etc. late fees and all
Product: Credit card

As part of a divorce settlement my wife assumed responsibility for three credit card accounts that had been opened under my name and SS #. All the accounts were in good standing at the date of this transfer ( XX/XX/XXXX ) with no history of late payments. Unbeknownst to me, my ex went to XXXX to renegotiate the interest rates and payment amount on all three accounts. She was successful, but somehow in the transition from normal status to the credit arrangement with XXXX a series of late payments were reported by the creditors against my credit history. There were a total of eight 30 day late payments reported in a 90 day period. These should not be reported against my credit history since I was no longer legally responsible for the payment on these accounts. My attempts to get this corrected have been unsuccessful. I have complained to the credit reporting agencies, to XXXX and to the creditors directly, all to no avail. These late payments are being wrongfully attributed to me and it has had a ruinous affect on my credit rating. As a consequence I can not rent property or attain any credit at all except at the highest interest rates.
Product: Money transfer, virtual currency, or money service

I get fraud through remitly USXXXX amount l reported this incident to XXXX bank they told me to deal with remitly so l email to customer care then they gave me XXXX consumer site l correspond with them but l didn't get any feedback.the transaction number XXXX XXXX dated XXXX
Product: Credit card or prepaid card

Letter below is what I sent to the merchant after waiting several months to this on going issue. I called countless times addressing this issue and was told to wait until the merger was final and I will see the credit on my acct. 

Barclays have done not tried to resolve this issue during any of my calls to address my concerns. They sent a letter on XX/XX/XXXX stating they received my docs for dispute and it would take 45days to investigate. Then I received another letter on XX/XX/XXXX as this case is closed due to 2 billing cycles has passed and nothing can be done about this issue. I have asked to speak with a manger many times only to be told we will have a manager call you in 48hrs. I never received this call. EVER. Letter below is what I sent to the merchant. 

Hello, I was told to fax this information because of a missing refund/credit dispute. 
I received a {$490.00} refund/credit to card ending # XXXX this card was when the acct was with Bank prior to the merger from XXXX XXXX  XXXX The refund/credit was processed by XXXX on XX/XX/XXXX from the original purchase on XX/XX/XXXX through XXXX for XXXX XXXX purchase on cc # XXXX. 
I need to dispute this for credit asap due to the inconsistent information I have received from customer service during countless calls.
Product: Checking or savings account

On XX/XX/2023 I made a online purchase at XXXX it never arrived. I contacted my debit card and disputed it since I never received my items. They denied my claim I asked for the documents that decided this and was sent the transaction information nothing on the investigation on why my claim was denied. I've requested a refund from the online company and have several emails from them. The first saying I needed to pay them {$15.00} more dollars. Others saying they will give me a 40 % refund. The last one was last night saying my order is still on hold and they can offer 70 % refund. I've sent the emails to cash app to prove this is a scam and they are trying to get more from me and to please refund my money. I keep getting denied and don't know why and even hung up on me when I asked to be put thru to a supervisor.
Product: Debt collection

This credit card balance started in XX/XX/XXXX when I went to a XXXX  service. I was in pain when they offered a care credit plan to pay for the future services that I was about to receive. Under that circumstances, I agreed to it. The XXXX  was not able to find the reason for my continued XXXX pain so I decided to stop going there. On the other hand, I sent my 1st payment of {$50.00} to care credit to honor what I signed for. Then I asked the XXXX XXXX place to canceled all planned services and they agreed. Also, Care Credit refunded my first {$50.00} payment sent, and apparently, my account got closed ... That's what I thought ... I also received a statement with XXXX  balance. After a while, I started to receive statements again. I called care credit and they told me that sorry but your claim was resolved and you still owe that money. I made several attempts after that disputing the charges, again, and again, and again ( all cust ser, collection serv, and managers were recommending me to file a new dispute ). After having so many attempts to resolve the charges, I called my XXXX XXXX to see my options and they told me to go back to the same XXXX and get my XXXX XXXX  since they already paid for it and I have the debt on the care credit. So, I called care credit and I decided to settle the account since I saw that they were not able to do anything for me ... The very next day I returned to the XXXX  ( they gave me an appointment right away for my XXXX  and I paid out of pocket my deductible ) they also showed me that they refunded {$160.00} and {$550.00} to the care credit card!!! Those credits were never applied to my account!!! I had all those years disputing a charge that was already refunded in XX/XX/XXXX!!! I can say that in XX/XX/XXXX there was only one manager that found those credits under but under a different account number and she promises me that it will get resolved ... Two days ago I reviewed my credit report and it still shows the care credit with a debt of {$1300.00}. I have been calling care credit like 7 times a day, and in the end, all people from customer service are hanging up on me ... they all said that they can not go back to XXXX to see the credits and they can not transfer me to a supervisor ... one said that a supervisor will call me but nothing yet. This is affecting my credit report big time now that under this circumstance I need to refinance my house ... 
I would like to add that my XXXX XXXX place acted in good faith and refunded the money in a timely manner. It is the care credit card that is failing its duty to me as a customer.
Product: Checking or savings account

I have bill pay set up and utilize it often. I was shocked to see Wells Fargo bypass my instructions et pay payee earlier than I scheduled for payment to be sent. They were rude oppositional and hostile when I approached them. Each customer support person was dismissive especially XXXXXXXX XXXX XXXX They continued to gaslight the situation and were defensive et rude. They make too many errors et this unfair especially since they are unauthorized. They also changed my pin without informing me. I have yet to receive a pin as well. What is with this banks service. It seems like they promote a culture of disrespect et being disingenuous. This XXXX must stop. This unauthorized meddling in my account must stop. One other thing I was promised for all these errors they would send me a bouquet of flowers ou some plants with planter
Product: Money transfers

Back in the spring we experienced major delays when trying to close matured CD accounts with CIT Bank. We heard excuses from there were so many accounts closing that they were backlogged as well as our accounts were so large that multiple reviews were needed before closing and those areas were backlogged as well. In addition, one time a representative had linked XXXX CD 's that were maturing within a week so none of the CD 's were being processed until the final matured. Over the years, we have had over XXXX CD 's with this bank and things only started being problematic in the spring. Unbeknownst to us, they changed many things XX/XX/XXXX. We received no notification of these changes. I learned about them today when I called to set up XXXX CD 's that are maturing XX/XX/XXXX. Now, everything is done online, but I needed to redo my password and other activities to even get access to my accounts. And lo and behold, CIT Bank has deleted our previously linked external bank accounts for transfer of funds. CIT Bank has been transferring funds to this bank for years, even as last at XX/XX/2016. Now, it is non-existent and I have to start all over and go through testing, etc. That means my time and attention for problems that they have caused. At this point, I am not confident that this system will work as they say it will. It will be very easy for them to say that they did not get the message. Yes, now I have to send a message through their customer service message center to request that the account be closed on maturity and transferred to an external account. Of course I can not do that until my external account has been tested and approved. I truly do not like fighting for my money. I find it somewhat amazing that a bank can delete, eliminate, discard banking records/transactions/data for on-going customers. It seems that CIT is out for themselves and not there for their customers.
Product: Checking or savings account

I received my federal income tax return on XX/XX/2024 I was on vacation inXX/XX/XXXX visiting family and my account was working just fine for a few days until I tried to book anXX/XX/XXXXXXXX for mt XXXX birthday Citi bank decided to lock my account and I could not access my account even going to the bank with proper verification they refused to unblock my account. I went to a second Citi bank a few days later I was there for XXXX hours and was able to get the account unblocked the very next day the put another block on my account and I couldnt access my money again I went back to the bank and with proper verification and then I find it that they are closing my account and they would not tell me why my account was being close or why I couldnt have my money. I was told I would receive a check by mail at my home in XX/XX/XXXX. I explained to the manager at the bank that I was on vacation and if I didnt have access to my money that me and my XXXX children would be completely stuck and I wouldnt be able to buy food or diapers or even be able to pay my gas to drive back toXX/XX/XXXX when my children needed to attend school and I needed to go back to work. I was stuck in XXXX  with my children for 3 months because the bank would not give me my money and still today they have not given me my money it is {$XX/XX/XXXX} at that time and then money was sent back to my account because of payments that didnt go through. It has been months and I have yet to receive my money every banker I speak to ends up hanging up on me or scheduled a call back and I never receive a call back
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( XXXX ). ( XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( Gearing v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding discrepancies and errors on my credit report, which negatively affect my credit score and financial well-being. Here are the details of my complaint : The account has inconsistent reporting across XXXX, XXXX, and XXXX. XXXX and XXXX reported the " Last Reported '' dates as XX/XX/year> and XX/XX/year>, respectively. XXXX has no record of this account, despite it being reported to the other bureaus. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent information. The account is listed as " Collection/Chargeoff '' for both XXXX and XXXX. However, there is no supporting documentation or clarification for this status. I contacted the creditor directly and provided the account number, yet I was unable to obtain any information about the account. This lack of cooperation has hindered my ability to verify and address the discrepancies. I could not resolve this problem with the creditor because they refused to provide any information about the account. The discrepancies and missing data unfairly damage my credit score and ability to secure favorable financial terms. This is the list of steps I had taken before filing a complaint : I contacted the creditor directly to address these inconsistencies, but the issue remains unresolved. I have also initiated disputes with XXXX, XXXX, and XXXX, yet no corrective action has been taken. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the creditor corrects the discrepancies. The " Last Reported '' dates should be consistent across all bureaus. XXXX should report the account accurately if required. Any negative marks resulting from these inaccuracies should be removed from my credit report. The creditor should be required to provide the requested account information to ensure proper resolution. I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if further information is required.
Product: Credit card

i purchase furnitue from XXXX XXXX in XXXX  XXXX mo account number XXXX and they used wells fargo for finacing which was {$9500.00} upon delivery of furntiure seveal items where broken and not in new condition ive reached out to XXXX XXXX explaining the broken furniture and they admitted at fault and said who ever they sent was a new guy and they apoligize for the damage furniture .i filed a dispute with wells fargo explaining the furniture received was broken and XXXX XXXX admitting a fault to the furniture being broken upon delivery XXXX XXXX resolution is to reach out to warranty company since i moved within there warranty which the warranty company said they do not cover items thats broken upon delivery.wells fargo dispute dpt XXXX explains he wouldnt pay for broken furniture but insist theres nothing i can do to fix the situations.This has been a hastle since ive recieved the furniture XX/XX/year> ive filled 5 disputes no resolution but to continue to pay for broken furniture which im very dissatisfied with and not going to continue to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had two accounts opened with self credit builder. One was a secured loan that I was paying into and eventually got a secured card. Everything is paid off and its still showing a negative items on my credit report
Product: Credit card or prepaid card

I received an " Albert '' cash ( Debit? ) card with my name on it on XX/XX/XXXX by mail, backed by XXXX XXXX XXXX for which I never applied. I am aware my Social Security number was compromised and had other fraudulent accounts opened in my name in XXXX, to include a brokerage account. That fraud prompted me to initiate a " fraud alert '' with all three credit agencies. This may be another fraudulent use of my Social Security Number. There is very little information beyond a physical card in the mailer, so it is impossible to tell if this is a mailer trying to get your business, or fraudulent account opened by someone else in my name. 

I did NOT request an Albert account myself or through any third party, and want it closed immediately. I also want to know HOW it was opened in my name. 

On XX/XX/XXXX, I reviewed the XXXX  website regarding Albert and discovered I am not the only person who has this uninvited issue. 

On XX/XX/XXXX, I tried to call Albert to resolve and learned you can not get support via phone. You can only email support ( which my husband did at my request on XX/XX/XXXX ) or download their App to get support, which would only further compromise my personal info, so I refuse to do that. I don't want their App, I don't want their card. 

I have attached a scan of the card I was mailed, and the email I sent Albert. To protect myself from further credit fraud, I initiated a credit " freeze '' with all three credit agencies on XX/XX/XXXX. I also refreshed my current " fraud alert '' status.
Product: Debt collection

I recieved an email in my junk files from a debt collection agency named Resurgent Captial Services in XXXX of XXXX stating that I was given a credit card with XXXX XXXX XXXX in XX/XX/XXXX and was closed on XX/XX/XXXX. They say the charge-off amount was {$440.00} and went up to {$600.00} with interest. I'm guessing that the debt collection agency added thier own interest because they say I owe a grand total of {$700.00}. I asked for a DEBT VALIDATION LETTER and which I recieved some sort of vague printout on XXXX XXXX and I responed with a DEBT VERIFICATION LETTER disputing the debt. I sent the letter via certified mail but made the mistake of not asking for a return receipt request. Resurgent sent me another printout and I once again sent a debt verification letter in XXXX of XXXX, this time with a return receipt request. From XXXX of XXXX to XXXX of XXXX it has been the same. I've also informed them of the STATUE OF LIMITATIONS involving the debt in question but they keep sending me the same printout. I sent a cease and desist letter in XXXX with another return receipt request and recieved yet another printout. By law they're supposed to either drop the case and move on or tell me what type of legal action they plan to take against me.
Product: Credit reporting or other personal consumer reports

My credit report is reporting XXXX XXXX times on my credit report I have never had any dealings with Fingerhut so I called customer service today and inquired why this is on my report the lady took my name my address and former address my phone number my email and last but not least she put in my social security number in which she wasnt able to locate an account of any kind using my credentials so I proceed to ask how do we fix this I have called in verified my identity and even disputed these accounts with all three credit bureaus multiple and I mean multiple times and not only is Fingerhut reporting but apparently has sold these so called accounts to a company called XXXX XXXX so its reporting twice which is illegal and the lady proceeded to tell me that they not only cant find a account but they have not recieved any disputes from these credit bureaus