23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have two Credit cards with Citi and I have been a customer for 10 years or so. Always been in good standing with them and paid on time. I've availed Balance transfer from them a few times in the past and always worked out with no issues. All terms were honored. 

However, this last time I made two balance transfers on one of my Citi credit card ending XXXX. 

1. XX/XX/XXXX -- amount {$14000.00} -- promo rate 0 % till XX/XX/XXXX. I paid 3 % XXXX fee. 
2. XX/XX/XXXX -- amount {$5300.00} -- promo rate of 2.99 % till XXXX XXXX, XXXX paid 3 % XXXX XXXX Citi XXXX computer system have converted the first XXXX of {$14000.00} into standard purchase as of XX/XX/XXXX and I got charged XXXX for XXXX and for XXXX which totals to {$710.00} ( {$330.00} + {$380.00} ) As far as I can tell why this happened is because of the way their monthly payment program is written. The reason why I say that and have confirmed with Citi is as follows : After making the first XXXX, I forgot to change the auto payment to " minimum payment '' and it was left set to " statement balance ''. So Citi tried to post the entire amount to my checking account, which as expected failed to post as I am short on money these days ( without a job ). 
I did make the minimum payment to this CC so as to satisfy Citi. 

But this attempt to post payment for the entire balance and failure in turn changed the amount of {$14000.00} as Balance transfer to Standard purchase.

I believe this is a bug in their program which is not returning the amounts back to the correct buckets in the event of a failed payment.

I've spoken to Citi via chat and via phone to the dedicated department for issues like these.

And they have agreed that what I have mentioned is exactly what has happened. Unfortunately they do not have any way to return it to the original bucket of Balance transfer instead of Standard purchase. And they are not going to refund the interest I paid for the month of XXXX and XXXX. 

From my perspective, I entered into a contract with Citi where they offered Balance transfer and charged me 3 % immediately and offer me promo rate of 0 % until XX/XX/XXXX. 

I did not breach the contract in any way. It is Citi here correcting the mistake that their System / payment processing logic has made by not returning the money owed to its correct original bucket when there is plenty of time left on that offer. 

I've had Citi look at running balance and transactions and they've confirmed what I am saying is correct. Yet they have no way to make corrections on their end to make this right. 

I am out $ XXXX already and more this month in interest and will lose around {$4000.00} in interest payments up til XX/XX/XXXX due to no fault of mine. 

Note - the second XXXX of XXXX, still shows up in the correct bucket and there are no issues with it. 

Your help in resolving this issue will be really appreciated. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a remark on my XXXX, Equifax, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Experian or possibly all the main credit reporting companies. PRIOR to XXXX XXXX erroneously reporting I was late with my mortgage payments, my credit score was in the mid XXXX 's ( excellent ). BECAUSE of a bank error by XXXX XXXX  my credit score tanked to mid XXXX 's ( fair ). XXXX XXXXk said they submitted that it was a bank error and yet my credit score is still DRASTICALLY lower than prior to their error. My bank statements prove every payment was sent like clockwork. The bank has verified this. What is the problem now? 

I am absolutely NEVER late on anything and I pay off ALL my credit cards each and every month. There is absolutely no reason for my credit score to remain in the XXXX 's vs mid XXXX 's where it has been for YEARS. 

I planned to re-fi my mortgage before interest rates went up but this situation has already make that difficult. What is my recourse?
Product: Credit card or prepaid card

on XX/XX/XXXX I was alerted via text message from Synchrony Bank asking me to verify purchases on a XXXXSynchrony Bank credit card. Three purchases were attempted for {$20.00} on XX/XX/XXXX, {$4100.00} on XX/XX/XXXX, and another attempt for {$4100.00} on XX/XX/XXXX. The charges were attempted through the XXXX XXXX XXXX XXXXnd the store number was XXXX. 

On XX/XX/XXXX I replied to the test alert to confirm that these were not valid charges and then later in the morning I received a call from Synchrony Bank to initiate a fraud investigation. 

On XX/XX/XXXX I received a notice of address change from my XXXX account and upon investigation learned that someone attempted to add an address to my credit file or had applied for an account with the address of XXXX XXXX XXXX, XXXX Michigan, XXXX. I contacted all three credit agencies and place a credit freeze on my information and started a fraud claim with XXXX regarding the address.
Product: Debt collection

I got a judgement letter saying as of XX/XX/year> that I owed {$610.00} to a place called XXXX XXXX XXXX. I don't recall that place nor heard of it.I was XXXX at the time, XXXX  with my XXXX child, no job, no car, no money, no credit cards or bank accounts at the time and on food stamps so i dont know how i could afford any of that and especially when ive only dealt with XXXX XXXX until years ago.Im over my head on trying to figure out if this is a mistake or what.This is XXXX XXXX XXXX, I've written back to see all the information or evidence just waiting to hear back.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, I am writing to formally lodge a complaint against NetCredit, a financial institution that I believe has engaged in fraudulent and unethical practices. 
Between XX/XX/year>, and XX/XX/year>, I made six payments to NetCredit totaling {$720.00}. The payment details are as follows : {$120.00} on XX/XX/year> {$120.00} on XX/XX/year> {$120.00} on XX/XX/year> {$110.00} on XX/XX/year> {$110.00} on XX/XX/year> {$110.00} on XX/XX/year> Despite these payments, NetCredit claims that my account only has {$230.00} available. 
While I understand that interest fees may apply, the fees on my account are unreasonable, disproportionate, and unexplainable, especially considering that I have been making two payments per month rather than one. These fees appear inconsistent with standard lending practices and do not reflect the terms I agreed to. 
I am formally requesting your assistance in investigating this matter, as I believe XXXX actions may constitute : 1. Fraudulent practices, including unexplained and excessive interest charges.

2. Deceptive lending activity in violation of federal consumer protection laws.

3. Potential violations of state usury laws, which regulate interest rates and protect consumers from predatory lending practices.

Specifically, I am requesting that you : 1. Require NetCredit to provide a full explanation of the payments, interest fees, and balance, along with documentation of the original loan terms.

2. Investigate whether their practices comply with state and federal lending regulations and whether the interest fees charged are within legal limits.

3. Ensure restitution if fraudulent or unfair practices are confirmed.

I am prepared to provide supporting documentation, including payment records, correspondence, and account summaries, to aid in your investigation. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to hold NetCredit accountable for their practices. Please contact me if additional information is required. 

Sincerely, XXXX XXXX
Product: Mortgage

We applied for a home equity loan with Discover on XX/XX/XXXX. This was all electronic, with a portal to upload documents and e sign everything. After attempting to upload income information unsuccessfully ( received error messages from the site ), we received several emails and phone calls that we needed to contact them. So we did. I spoke to a loan XXXX on XX/XX/XXXX. They verified some income information over the phone and advised we were pre-approved for approximately XXXX XXXXXXXX and what our rate and term would be. The agent told us we need to upload the borrowers certificate within 7 days and then we would get notifications of the documents we needed to upload as well for the loan. We were told the process was taking around 6-8 weeks and was also dependent on how quickly we loaded our documents etc. I could not e-sign the borrowers certificate so we printed and signed and then scanned it in and uploaded it the next day. Over the next few days we added our XXXX, proof of insurance and mortgage statement and other documents. We were waiting on pay stubs because that week was a XXXX period and we wanted to Ensure we had the two most recent to avoid delays. On XX/XX/XXXX we received notice our application was closed. We were very confused as we were proactively working on our part. I emailed the loan officer and said it needed to be re-opened. The told us no, we needed to reapply because 25 days had passed. We had no idea of this 25 day guideline and no one told us. Not to mention we were just pre-approved on XX/XX/XXXX so only 5 business days had passed. We made financial commitments based on the pre-approval we received and now have suffered damage because of this misrepresentation of information from Discover. I will also note the emails stating our application was closed says we havent been able to get in touch with you Which is blatantly a lie because we just spoke to them the week before and were proactively uploading documents to our application.
Product: Prepaid card

XXXX  XXXX  and Netspend are not releasing bank statements for my account. Its stimulus was transferred from my account after I reported my card lost and they didnt even notify me and they said on the bank transfer it was account to account transfer. When actually it was a prepaid card bought from a XXXX and I try talking to a supervisor and they hang up on me. I have proof of everything except they are refusing access to the fraudulent account.
Product: Debt collection

A bank account was acquired in my name as I was a victim of identity theft from Navy Federal bank. I sent the proper information to the credit reporting and Bank for investigation. The account was taken off the report and then has reappeared on my consumer credit report hurting me further in these uncertain times. this negative report is stopping me from having a actual relationship with this bank if i choose and stagnating my report.
Product: Credit card or prepaid card

Was attracted to Citi 's promotional credit card deal involving 0 % APR for balance transfers and applied, was accepted, but never received a physical card in the mail. Applied in late XX/XX/2023, and called in mid-XXXX  to check on the status. It was told to me that the card was sent to the wrong address and that a new card would be sent and provided and confirmed the correct address. Since my address is in the US and is a XXXX XXXX , I was very clear on which delivery method is used as a physical address would be needed for 3rd party sends. After that long hold, multiple transfers, the same result no card. Unable to set up an online account to make payments without a 16-digit number I now have payment due and no way to get online to pay. Another call in mid-XXXX, this one 2 hours and 10 minutes just to get assistance to log on to pay. Transferred 4 times, explaining the same situation, made an online payment to ensure not late, and still have no access to an online account and was told that I would need to call in monthly payments. Is this a way to make paying harder to receive more revenue through late fees?? Shocking the lack of assistance here with no clear solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

many accts were paid by XXXX insurance bank took the money from the insurance but still charged off the accts get them to correct the file
Product: Debt or credit management

XXXX i used the service and no luck credit score did not changed and when i talked to somebody they said i couldnt get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I asked them very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.
Product: Money transfers

Venmo refuses to provide me access to my funds unless I send personal information over email. 

I recently changed my telephone number, and the only way this company says they can verify the account is if I send them a photo of my identification via email. Per the FTC, email is not a safe way to transmit personal information, and Venmo has refused to provide any other means to verify. I asked if I could fax, call, use a webform, perform an email verification or other way to verify, and they refuse. As a result, I do not have access to the money sent to me.
Product: Debt collection

I was contacted by a collection agency : AvanteUSAXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX the collection letter dated XX/XX/XXXX I was to pay Avante USA {$50.00} for prior original creditor XXXX ; date of service XX/XX/XXXX Account NUmber XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX XXXXXXXX XXXX  ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXXXXXX XXXX  XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received loan from Mariner Finance XX/XX/XXXX in the amount of {$3000.00}. Was told I could pay the loan online only through their website in any amount that I saw fit as long as I made the minimum payment of {$130.00} per month for 24 consecutive months. The first time I logged in to pay the loan amount said upward of {$5000.00} so I called and asked why and was told by rep on XX/XX/XXXX not to worry about that as I pay it will be reflected to show I only received $ XXXX -- plus  about $ 400- {$500.00} in interest once I reached the full term of the loan which I Planned on paying back in just three months. The next issue was that the website would not allow me to pay more than {$130.00} as a time so I was unable to put lump sums on this loan as I was initially told I could. There was also a few dollar fee to do so which worried me about even more about the dollar amount shown right from the gate. I was skeptical so I tried to cancel the loan and give the money back. I was told I could not do this. I asked a few months later in XXXX for a copy of the loan agreement because the interest rate somehow jumped approximately 5 % from XX/XX/XXXX to XX/XX/XXXX. I was told no that I should have my copy I originally signed and they don't keep record. That was weird to me. I stopped paying the loan after paying approximately {$2100.00} in XX/XX/XXXX after numerous attempts at getting answers. The debt is now showing on my credit file as delinquent in collections and in the amount of {$2900.00}. I have been reaching out via email as so to have documentation of my claims for the past year with not one response. I want this tradeline removed from my credit reports as it is misrepresented in a myriad of ways.
Product: Debt collection

I was sent a debt collection at XXXX from XXXX XXXX XXXX XXXX This company has been told to stop contacting me as I dont owe the debt, becasue XXXX did not properly file my insurance. I am upset I was text in the middle of the night which woke my child.
Product: Credit card or prepaid card

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX XXXX 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 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
Product: Checking or savings account

Wells Fargo is not a Customer Friendly Bank. I am an older person, and I utilize a tablet for all my online business. As it works best for me. I can not download on my tablet relevant to attachments. I have made Wells Fargo well aware of this through countless phone calls, Emails, letters, and complaints. I have talked to many, many, departments. Yet, I feel out of spite, they continue to send me attachments from the bank, and they answer formal complaints with attachments, when they know that I can not download attachments. They will not honor my requests to mail anything that includes an attachment. I have been dealing with identity theft since XXXX XXXX, which includes 2-3 hours daily of monitoring. And for this reason, I do not want friends and such to download these attachments which seem to always come from Wells Fargo for some STRANGE reason.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, XXXX, Trans Union allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccurate information such as inaccurate names, date of birth, addresses and fraudulent accounts as to my information has been exposed to several data breaches. Ive sent in certified copies asking credit companies to investigate and delete the inaccurate information only for them to say its been verified in a reinvestigation. All the reinvestigation are being from 2023 saying thats the outcome.
Product: Debt collection

My fianc and I were signers of the lease and for some reason, we have a collections being reported on our credit from a company called Allied Collections SE and notifications from XXXX XXXX that collection balance has been increasing. I also that realized that the original creditor was our previous landlord, XXXX XXXX. I reached out to the apartment on record on XX/XX/2022 asking for a line item breakdown of the actual quote or receipts showing actual cost and replacement they charged us as I had a right to but they responded to me via email saying that collection company has that information and was stated we will be provided copies. To date, we have never spoken to anyone in person nor have we received any letter whatsoever from said collection agency to verify the debt or who is actually handling the debt other than what is being reported in our credit reports.
Product: Debt or credit management

My address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ca XXXX Phone number is XXXX Email is XXXX All other addresses or number or emails that are irrelevant should be deleted. My name is XXXX XXXX. I work for XXXX XXXX XXXX and not XXXX.