23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX my credit card was charged for {$3300.00} for an item that I never ordered. 
I got a refund from the Citi bank twice and now again they are telling me that I'm responsible for this purchase. 
The bank sent me a letter as an evidence that they were communicated with me, but actually it wasn't me since email address and phone number was wrong it wasn't mine. 
Ups requested a signature for delivered item and it was never signed by me.And even XXXX wrote that they didn't have account with provided email address. 
I called Citi Bank many times and no one is trying to solve this problem.
Product: Student loan

I have continually been steered towards forbearance and now to pay interest only. I am paying roughly {$1100.00} in payments each month and believe it is only going towards interest and not paying down my principal. They have lead me towards forbearance multiple times instead of an affordable plan. Any helpful things I have found on my own and was not guided by a professional. The website is too hard to maneuver and repayment plans were not easy to figure out. Im sure there are multiple recorded calls with me asking for help and not receiving educated/correct help that would not lead me to the position I am now in.
Product: Debt collection

Midland credit management has filed a lawsuit against me and I have no knowledge of who they are. I have never signed a document owing them anything. They have also never reached out to try to settle this supposed debit. I tried paying a settlement amount when I got the court paperwork and they wouldnt take anything less than full amount. I dont owe them anything.
Product: Mortgage

I qualify under the criteria for damages for compensation under HAMP for wrongful foreclosure and other abuses. I was sent a check for XXXX for errors but I MEET ALL CRITERIA FOR COMPENSATION TO FULLEST EXTENT FOR FRAUD IN WRONGFUL FORECLOSURE REFUSAL TO MODIFY I DEMAND TO BE COMPENSATED IN FULL AS CFBP HAS ORDERED. 

I requested my file which Wells Fargo has refused to provide as well. I was told I would be contacted four weeks ago by " XXXX '' an executive but HAVE NEVER BEEN CONTACTED. 

Wells Fargo lied about not being able to get ahold of me as XXXX contacted them over a DOZEN TIMES ESCALATING IT.
Product: Credit reporting or other personal consumer reports

I am reaching out to have my personal information corrected on my credit report, as it is currently inaccurate. These errors are causing issues with my credit applications, which has been extremely frustrating and inconvenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were mailed XXXX, XX/XX/15 and again in XXXX no resolution and cant confirm who is verifying this false information is inaccurate.
Product: Credit card

Called to dispute unauthorized charges, was told this was reimbursed and had card cancelled. 

Found out months later, they had just opened a new card under my name ( unauthorized ) and had transferred over the late fees from the original unauthorized transaction. 
Called again, talked with XXXX managers including fraud department. 
Requested cancellation of card. 

Saw nothing for months, until received in mail in XXXX that a balance was past due with over a XXXX dollars in late fees. 
Called again, filed a complaint. 

Issue has still not been resolved. 

This card was reopened without my consent. 
I cancelled in XXXX... The charge was fraud and any late fees accrued are on a fraudulent charge.
Product: Checking or savings account

On XX/XX/XXXX of 2021 I had a dispute on a few repeated transactions. I also sent a letter in details as to what happen because I also tried calling the Company trying to get my funds back. I was trying to get an affordable insurance for myself and the representative of that company misled me into signing up telling me the benefits but its not an insurance but a discounted program. I did not find out until after my account was already being taking out payments and because I questioned the Company why I have not received my policy and health card. I called the Company more than once and all they say was they mailed it and probably got lost and they're sending another one. I finally received the card after a few months, the card says its not an insurance but a discount. I called that Company .. upset and told them I wanted it cancelled. The next month the money was taken out again. I found that the Company is under " XXXX XXXX XXXX XXXX XXXX '' and which they also had many Complaints from the BBB I had a very bad experience with this Company personally. I'm XXXX old and they should not take advantage of not just me but people my age in general .. being misled. Either case I'm trying to get my money back from this Dishonest people or Company. When I called my bank they said I can file a dispute and will Investigate. I don't believe they did. I sent all the information and I had to wait 3 months for them to tell me I can not get credit for it. I don't understand how a Company is allowed to run like that to misled or trick people ... They took {$300.00} .. that is a lot of money for me. And my Institution I thought can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Since XX/XX/XXXX I paid the balance in full on account held at XXXX   XXXX for a prior unpaid debt of {$690.00} related to a XXXX bill from 7 years ago ( the account was originally one from XX/XX/XXXX ). I have cordially spoken with XXXX  XXXX representatives on multiple times over the past few months. I have requested the following information from them but have not seen any results despite each representative agreeing that they would see that the matters are taken care of : 1. I have requested a receipt that shows that I paid this balance in full to them ; Even after verifying with them that they have my correct telephone number, current mailing address, and email ( on the last 2 occasions, the representatives promised that they would escalate the issue to a Supervisor and that I would be emailed a receipt for the payment on the same day that I placed the call to XXXX XXXX ) 2. I requested that since the debt was paid and the account is 7 years old, could they please send updated information to the credit bureau to show that my account is paid in full instead of it being listed as unpaid ( I have checked my credit reports from all three major credit bureaus and Equifax still shows this account as being in collections with an unpaid balance of {$690.00} ). 

3. I requested on the last 2 occasions that they please provide me with a Deletion Letter, of which on both occasions, the XXXX XXXX   representatives that I spoke with both said that a Deletion Letter being sent to me would not be a problem and that they would get that sent to me. The last time I called, the representative even told me that she could have that letter emailed to me. 

Of those 3 requests that I made for this paid debt, I have not received any response that they agreed to during the phone conversations. This is very frustrating. 

I have made calls to them at the following dates and times ( Eastern Standard Time ) recently : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 3 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 4 ) XX/XX/XXXX at XXXX XXXX  spoke with a person who identified themselves as a Team Leader at XXXX   XXXX at XXXX I included these dates and times as well because these phone call likely have been recorded for quality assurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXX XXXX  ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.
Product: Credit reporting or other personal consumer reports

I initiated communication with XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Product: Credit card

Somewhere in XXXX I realized I lost my Wells Fargo credit card. I called Wells Fargo to get a replacement card because I thought I lost my card somewhere in the house. I didn't want to go through the process of canceling the card and having to reenter the card number to all my accounts that were already linked up to my old card. The representative sent me another card with the same card number but a different CVV on the back. Fast forward a couple months I look on my bank statements XX/XX/XXXX and see a charge that I don't recognize from XXXX  of {$100.00}. I immediately called Wells Fargo to cancel my card and dispute that charge and report it as fraud. Then the next day I look on my Wells Fargo statements again and I see XXXX more charges that I do not recognize from XXXX XXXX XXXX : {$65.00} and XXXX XXXX : {$9.00}. I called Wells Fargo again and report XXXX more charges. So there was a total of XXXX charges that were not made by me totaling up to {$170.00}. The representative opened up a claim and told me to wait about a month for a resolution. About a month later I received a letter stating those charges were authorized by me and appear valid. So they can not dispute it and give me my money back. Numerous times after that I called Wells Fargo and talked with several people, and I was on hold for hours. I asked if I could speak to a higher power, and they transferred me to the escalations team and XXXX XXXX from the XXXX XXXX XXXX XXXX was overlooking this case to make sure the fraud department was a proper investigation. A couple weeks later I received another letter staying the same thing but this time to move forward I need a police report. I had a police officer come to my house and I had to take time out of my day to get a report done. Once the police report was done, I had to then go waste my time to go to the Police department records to get my report. I called Wells Fargo they opened up a new claim number and said I need to attach the Police report which is what I did and sent it to the escalations team. Maybe a week later I get a call from XXXX in escalations stating that again even after sending them the police report these XXXX charges were made by me and there is NOTHING they can do to help me. I was very upset at that point. He stated again that he is very sorry, and those charges were made by me because it was a CHIP card. This was the worst experience I've had with ANY bank and I've been dealing with this since the beginning of the year with NO resolution all because the bank is not doing a proper investigation and assuming that it was me because it was a CHIP which is ridiculous that they think fraud can't happen even when there is a chip card.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted our mortgage payment on CHFA ( Colorado Housing Finance Authority/ XXXX XXXX XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from XXXX XXXX that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.
Product: Credit card or prepaid card

The following accounts were opened fraudulently on my credit report. I was XXXX  from XXXX XXXX. I have tried to get this fraudulent information removed from my credit report with no success. 

JPMCB - CARD SERVICE- JPMCB XXXX CARD SERVICE- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been getting calls at least 2x a day from. Comenity in regards to my XXXX account. Not only are these calls excessive, I have told someone contacting me by email is best since my cell phone speaker barely works and I can never hear anyone. 

This morning ( XX/XX/2021 ) I had missed a phone call at XXXX XXXX, after I returned the call the agent I spoke with was very rude and talked over me. After we got to the root of the problem, she offered to put me into their hardhsip program. I asked for a call back as I was getting my son ready for daycare and she replied with " but you're the one who called me '' so I hung up. Then not even half an hour later I get another call where the gentleman barely knows what is going on, and as I'm trying to explain I was just on the phone and the lady didn't care, he was also talking over me. I asked him to let him speak and he continued to talk over me. If your agent would like to continue to be so ignorant, so be it. I will NOT be making payments over the phone with these idiots and I am requesting a do not call to be placed on my account. If the do not call is not placed on my account and I continue to receive calls, I will be going another route as a CFPB complaint clearly holds no meri to you. As someone who also works closely with consumers, I find this representation of your company absotlely horrendus.
Product: Credit card

Synchrony Bank has shut down my credit cards and will not speak to me as to why? I have been the victim of ID theft in the past and have had several fraud accounts that were opened with them fraudgently. But the XXXX credit cards i did have with them were shut down and closed. I spoke with a fraud Special Operations Manager who was not to friendly nor was he helpful. I sent in paperwork as he requested and have not heard anything back. I feel as though I am begin treated as a criminal. I would like to please know what is going on here?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a XXXX a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Product: Prepaid card

On XX/XX/year> I purchased a XXXX gift card loaded with {$500.00} from XXXX. When I opened the card package a few hours later, I discovered the card had altered. The last four digits on the front of the card were removed. On the back of the card, the last digits of the serial number were removed and the CVV code was removed. There was also what appeared to be superglue on the magnetic strip on the back of the card. I did inspect the card package prior to purchase, and saw no indication the card had been removed and replaced or otherwise altered. 

Immediately upon discovering this, I called Incomm to report it. The representative provided a case number ( XXXX ) and told me the company would contact me within a week. They have not contacted me in any way. 

I searched the internet to see if others had experienced the same problem, and found that Incomm is actually being sued in court for failing to provide proper security features in their cards to prevent alterations from occurring.
Product: Credit reporting or other personal consumer reports

I went to XXXX and also called the XXXX to get My FREE annual credit report/score from all 3 credit reporting agency XXXX, XXXX and Experian to NO avail!!. I even contacted all three mentions individually and was able to create an account ( except for XXXX ) but can't get my credit score on all 3 companies. I have a federal XXXX loan and two major credit card ( XXXX XXXX and XXXX ) but only XXXX has this information on my account ( I found out that info by taking to a XXXX employee that was able to successfully AUTHENTICATE me and told me my credit score is good but for some reason creditors or me can't get access to my file ).
Product: Credit reporting

EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.
Product: Credit reporting

I contacted the credit bureau Equifax concerning the collections accounts, which were incorrect. Disputing the items but was not removed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. This account has previously been disputed and I am attaching new information to this complaint including a copy of the police report submission along with the official police report summary and police report number. I have also attached a copy of the official dispute.