23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Citibank within the 37 day cancellation window to cancel a XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit card ) since I did not want the benefits of the card and did not want to pay the renewal annual fee. The agent who I spoke with confirmed that the call was made on time and the charge would be removed. My wife was listening to the call and is witness to this conversation. Subsequent to that, Citibank cancelled the card but wants to charge me the annual fee and penalty ( {$620.00} ). I have called multiple times, and I keep getting transferred to different agents. Some of them tell me the call was not made within the 37 day window, some tell me that the card had to be cancelled ( not the request for cancellation ) within 37 days, so I was a few days late and they can not remove the charges. Some times I am put on hold for a long time and then the call hangs up. The entire experience has been very frustrating and at the end, Citibank wants to charge me an annual fee of {$620.00} for a cancelled card and no benefits. This is very unfair and causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my XXXX XXXX is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Product: Debt collection

In XX/XX/, I was notified that payments had not been done after I had set up automatic withdrawals from my credit union. When I called the credit card reps I informed them that no payments had been taken out of my account to verify my routing numbers since the credit card did not have the correct info I proved the same routing info multiple times. The credit card that I had with XXXX XXXX XXXXXXXX became XXXX. I again related the information that all of my information was being entered incorrectly I was told that a letter would be sent in to adjust the late fees, On XXXX XXXX I again followed up and was only given a transferred to another representative. The phone was disconnected. 
On XXXXXXXX XXXX I followed up again on my request to have this credit be corrected since my car loan was declined due to this late fee report showing on my credit report. Again I was given this number to customer service at XXXX ( XXXX ) XXXX When I called this number there is no answer and it automatically disconnects you. 
Please assist me in getting this corrected as I am working so hard to repair this account.
Product: Vehicle loan or lease

I was sold a car by XXXX XXXX XXXX in XX/XX/2018, that has increased in mechanical issues since the date of purchase, The Salesman XXXX was already aware of a heat issue prior to purchase and was suppose to fix the issue the Saturday after purchase, when I arrived they acted as if they were unaware of why I was there, then gave me a number and address to a mechanic who didn't speak english, and kept my car for 4 days without any work getting done, only returning the car because I was getting impatient, and could care less the inconvenience it caused me, there was some minor damage done to my car while it was in the mechanic possession, in which they denied, because I brought the car to them and, they took it to the mechanic, I will not go back there after the last experience I had with them, It took them over a month to give me my tag and title, which was not included in my down payment, and I was unaware, and they withheld it until I had the money to pay for it. The car was less than {$14000.00} used but, I will be paying back over 35,000 over the course of the 6 yr loan, I understand interest rates but, it should never be the same cost of the purchase, and then some. This loan company has never even sent me a payment coupon or even a welcome letter, I have not received anything with my account number on it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report on XX/XX/year>. I want to be very clear : I did not give permission for your company to pull my credit, and this inquiry is fraudulent. If this unauthorized inquiry is not removed from my credit report immediately, I will take legal action against your company for violating my rights. This includes seeking damages and pursuing all available legal remedies.
Product: Debt collection

The debt was paid to a collection agency FBCS , INC. Paid on XX/XX/2020 in the settled amount of {$280.00}. I would like this to be removed from all reporting credit bureaus since FBCS stated it would be considered settled
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card issued to me by the XXXX had a remaining balance of XXXX in XXXX of XXXX. The credit union was reporting the balance due as XXXX. I paid the balance in full on XX/XX/XXXX. I called the credit union several times over the following few weeks regarding the account still showing to have a XXXX past due balance. I was told that I would have to dispute the charges on my credit report before anyone at the credit union would correct the info being reported. I disputed the info. The credit reports were changed to properly reflect a XXXX  balance. Fast forward a few weeks. The credit union has again reported that I have a XXXX past due balance in my credit card. I have attached two emails that I received showing that the account is paid in full. I'm trying to buy a house. This incorrect info is hindering my ability to get funded.
Product: Credit card or prepaid card

Made a payment to XXXX credit that used XXXX credit as the underwriter on XX/XX/XXXX of 2001. The payment was withdrawn from a bank XXXX XXXX XXXX payment account. XXXX had just changed underwriters of credit from Comenity Bank to XXXX at that time of my order. XXXX did not change the payment address, as defined by conditions of XXXX  XXXX XXXX when the payment was made. The payment of {$2600.00} was delivered to Comenity bank because of this error. Comenity Bank placed the payment in an old account for a different person instead of returning the check to XXXX  XXXX XXXX. I contacted XXXX by phone multiple times, and by writing 6 times or more, when considering faxing and by certified mail, to no avail. XXXX has chosen to sue me in in civil court for an unpaid bill. I contacted Comenity Bank by phone multiple times, and certified letters four times. Comenity Bank, when speaking by phone, at first, told me that the money was likely placed in a special account and I needed to tell XXXX  XXXX XXXX that I must claim fraud to get the funds back and that they have no record of any such transaction. The cashed Bank Check shows a payment to XXXX for my account in the amount of {$2600.00} on the front, and the back of the check shows Comenity Bank processing and cashing the check by placing it into an old nonfunctional account for a different account. Calling Comenity bank, with the attorney for XXXX, which are suing me for non-payment, refused to discuss anything and reported that no such transaction took place because no record exists. I have the record of transaction and the funds were removed from the XXXX  XXXX XXXX account. I want the funds returned so that XXXX XXXX can be repaid.
Product: Debt collection

First National Collection Bureau , Inc sent me a text message on XX/XX/22 as their very first collection attempt, before any validation of debt notice was sent or received, stating " We are contacting you regarding an important business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. Call us at XXXX or pay online using reference number XXXX at XXXX '' In response to that text message I called them and the representative I spoke to was horrifically rude and proceeded to talk over me and yell. I attempted to advise them that this debt is past the statute of limitations to be collected and was never mine to begin with ; however, the representative just yelled over me, not listening to me at all. 

I advised them at that time to NOT contact me again. 

On XX/XX/22 I received another telephone call from them and no message was left. 

I still have not received a verification of debt notice from this company and find their tactics to be abusive and feel their practices should be investigated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), resulting in the reporting of inaccurate late payments on my credit report. Specifically, XXXX has violated the following provisions : 15 U.S.C. 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 U.S.C. 1681s-2 : Negligence in ensuring furnishers of information comply with their obligations.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 U.S.C. 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have submitted multiple disputes to XXXX, challenging the accuracy of late payment records on the following accounts : XXXX. Account Name : XXXX XXXX  XXXX XXXX, Account Number : XXXX XXXX. Account XXXX : XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Despite providing substantial evidence to dispute the reported late payments, XXXX has failed to conduct a proper investigation or reinvestigation as required by law. These inaccuracies remain on my credit report, causing unwarranted damage to my financial reputation. Furthermore, the recent CFPB lawsuit against XXXX ( CFPB Sues XXXX for Sham Investigations of Credit Report Errors ) highlights a troubling pattern of neglecting consumers rights. My experience mirrors the allegations in this case, as XXXX has not fulfilled its obligation to ensure the accuracy of my credit report or adequately address my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private and important information of mine was shared in Equifax 's leak/hack. While the company is partial victim to the hack, the security provided was sub par and the response to the issue has been lacking. The site to see if you are effected not secure as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inserted a column on the consumer credit reports label actual payment amounts. According to Equifax this information is being supplied by the creditor. I received my Equifax credit report and the actual payment amounts which each creditor are incomplete, blank, inaccurate and they refused to allow me to dispute this information although its considered in accurate data. Equifax is also refusing to disclose who this information is being used and how it affect the consumers credit scores. I can not find any laws under the FCRA which grants the credit reporting agencies rights to collect and distribute actual payment amounts without the consumer consent. I am asking the CFPB to provide and/or disclose how this information is being used and how it affects the consumers credit scores and right to privacy. If credit reporting agencies are allow to collect and distribute actual payment amount and I asking the CFPB to enforce accuracy of this information and how the creditor and credit bureaus legally responsible for accuracies after its disputed by the consumer and provide consumer protection from this abusive practices of reporting inaccurate payment histories.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.
Product: Debt collection

My name is XXXX XXXX. AT XXXX moved to XXXX  I was locked in XXXX.. In XXXX when check my credit bureau I found one account ( XXXX $ to medical charges ). I was call to agency collection and their said it's my account ... I told with them and said I need evidence about the bill .. their send me but never didn't receive. So I was call often time and their said this is your account ... ( I try resolved it's problem since XXXX ) .. but the agency don't help me .. At XXXX I can told with the supervisor and she send me the bill to XXXX .. The bill said the name of medical emergency and the address but not phone number .. so is weird because I was never go any emergency room in XXXX XXXX..only in XXXX XXXX   hospital than call and they said I'm not have some due with medical building.. so the agency don't have true evidence about where come the bill ... and won't delete this account of my bureau credit.. also I was never the phone number appears in the bill .. when looking in internet the address the emergency room I found other things.. for me its clear.. this account is a scam ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a vicitim of identity theft I have contacted XXXX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( RBC COLLECTION AGENCY ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. RBC {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. RBC {$180.00} opened XX/XX/XXXX original creditor XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I paid the XXXX an amount of {$390.00} on XXXX/XXXX/2016 to pay my past due amount on the final move out amount. The account was taken to a collection agency on XX/XX/2016. I have since contacted the collection agency to advise that I paid the account in full to the creditor. The agency will not cease collections and update my credit file to show that I am paid in full. The name of the collection agency is the National Service Bureau. Their contact information is XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, WA XXXX XXXX.
Product: Mortgage

I was divorced in XX/XX/XXXX. During the divorce, in XX/XX/XXXX, I signed a Quit Claim deed to allow my ex-spouse to re-finance the property into her name only. Citizens Bank, aka CCO Mortgage, took her application, but instead of re-financing, they changed the terms of the original loan. Changing things such as the interest rate, length of the loan, and payment schedule. 
I was informed by my ex that the loan had been re-financed and took her at her word. However, in XX/XX/XXXX, she fell behind on the mortgage, and the mortgage hit my credit report. 
I contacted CCO Mortgage, who informed me that they could not and would not provide any information on the loan to me because it was no longer in my name. They also refused to do anything about the credit report. 
My ex caught up on the mortgage, and since I could not afford a lawyer at the time, I let it go. 
XX/XX/XXXX, I found the payments were again past due. contacting my ex, she stated she was falling behind to do another modification. CCO Mortgage again modified the terms without my consent, and have now added my name back on the mortgage. Again with no notification or signature from me. 
I have now hired a lawyer, and am attempting to get my name off the mortgage, and my credit cleared.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late, for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX, division of XXXXXXXX XXXX. Account : XXXX. Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/1991 Last XXXX SS # : XXXX XXXX XXXX XXXX : XXXX Experian XXXX Account name : XXXX XXXX  XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as XXXX, but also shows a past due balance of {$250.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a disputed transaction that my bank has refused to investigate. This matter involves a fraudulent transaction where the vendor falsely promised a refund but never issued it. Below are the details of my case : Transaction Details : Date of Purchase : XX/XX/year> Amount : {$4500.00} Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Payment Method : U.S. Bank Business Platinum Credit Card Cancellation & Vendor 's False Promise to Refund : Cancellation Date : XX/XX/year> Method : XXXX message ( I have records of this communication ) The vendor explicitly agreed to issue a refund but never followed through. 

Banks Response & Unfair Denial of Dispute : When I contacted U.S. Bank to dispute the charge, they refused to assist, citing the 60-day dispute window under the Fair Credit Billing Act ( FCBA ). Their response stated : " Under the Fair Credit Billing Act, if you believe there is an error on your bill, you must contact us within 60 days from the date we sent you the statement on which the item first appeared. If you contact us after 60 days, we follow XXXX rules for these types of disputes to attempt to assist you. Unfortunately, your inquiry about this transaction was received after this 60-day period has passed, and we have determined that we are also unable to assist you further under XXXX rules. '' However, this is not a simple billing errorit is fraud. The vendor knowingly misrepresented their intent by promising a refund and then failing to issue it. Fraudulent transactions should not be subject to the standard 60-day dispute limitation.

Why This is Fraudulent : The vendor falsely promised a refund but never issued one, effectively taking my money without providing the product. 

After failing to refund me, the vendor stopped responding to my messages. 
This deceptive practice constitutes fraud, and I should not be denied protection due to an arbitrary time limit. 

Prior Attempts to Resolve : I contacted XXXX support, but the issue remains unresolved. 
I attempted to follow up with the vendor, but they have ceased communication. 

Request for Assistance : I request the CFPBs assistance in ensuring that U.S. Bank reconsiders my dispute. This case involves fraudulent misrepresentation, and I should not be denied protection due to a policy meant for billing errors rather than fraud. I seek the return of my {$4500.00}, as the vendor failed to uphold their commitment to refund me. 

I appreciate your time in reviewing my complaint and would like guidance on the next steps. Please let me know if any additional information or documentation is required. 

Sincerely.
Product: Debt collection

My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX. XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company Asset Recovery Solutions XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.
Product: Student loan

The Biden Administration just decided to discharge loans for students who enrolled at any XXXX XXXX campus on or after XXXX XXXX, XXXX through XXXX XXXX, XXXX. I enrolled in XXXX XXXX and continued until XXXX and suffered the same predatory lending and manipulations from XXXX XXXXXXXX XXXX. I deserve the have these loans discharged just as much as someone who enrolled years later.
Product: Debt collection

Diversified Adjustment Services was sent an email directing them to cease all contact and collections due to a dispute that was sent regarding this account from the previous collection agency hired by XXXX. The cease contact request was sent on XX/XX/2017. Diversified has stopped calling me and has now begun sending me emails regarding this collection account. I called them again on Tuesday XX/XX/2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible. I have attempted to block the emails but they still continue to get through.