23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased an appliance from Best Buy and used their offer of charging the purchase on my Citibank Best Buy credit card which offered no interest for 18 months. I waited for my bill to arrive and had budgeted the money to pay the bill. No bill arrived when expected, so I thought that it was simply delayed in the bureaucratic pipeline. I contacted them after realizing that it had been much longer than reasonable to receive the bill. They charged that I had requested a paperless billing and that the bills had been sent. I may have made the request, but I had received no bills, paperless or otherwise, and no phone calls either. I initiated the contact and discovered that my {$680.00} purchase was now a {$740.00} charge due to late fees. I XXXX, so I am confident that if any emails had been sent, even if they arrived in my spam folder, that I would have gotten them. I believe that it is possible that the creditor is making a practice of not supplying the proper statements to the consumer on time so that they can collect fees in lieu of the promised interest-free charge. I believe that there is an element of fraud in this practice. Any creditor would notify a consumer by phone if they were not receiving payment for a period of two months! I had no phone calls from Citi Best Buy MasterCard concerning any matter, least of all an account that is 2 months in arrears! I might have gone on accumulating late fees if my wife had not asked me about the account. I went online and registered the card account and found what they were charging me and of their claim about paperless statements being sent. The person with whom I communicated, XXXX XXXX, said that she could not ( or would not! ) deduct the late fees until I paid the bill : and she would only credit half the fees, not all of them. I paid the account in full that very day, including the disputed fees and requested the account be closed. My credit history is a tribute to my ability to pay ALL my bills on time. It seems to me that a creditor 's ability to collect late fees on an interest-free credit agreement is a great impetus to make sure the consumer does not receive the billings on time. How long would they have waited to contact be because the account had gone unpaid? As it is, I paid an extra {$62.00} for the interest-free purchase. Maybe that is a small price to pay to learn about the credit practices of this company. How many others have been, and will be, defrauded by this practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian, and XX/XX/XXXXhave not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!
Product: Credit card or prepaid card

I find this very ridiculous that I don't have access to my own money because you guys wanted to put it in my mother name the prepaid MasterCard so I do not find it fair that I have no access to my own money please resolve this situation as soon as possible because I would love to have access to my own working hard money please and thank you also I do not want a payee either I would like to be my own payee because I'm also a human being who deserves her freedom as well and free speech of the United States of American. Also I believe everyone deserves to also have more freedom and also more money in their pockets as well I do not appreciate or find it fair that I'm struggling with my own money you guys are not being fair and you guys are giving me the end of the stick I prefer the the whole benefit not half of it thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX Experian EMPLOYER : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX don't report my monthly mortgage payments what do I do to XXXX XXXXXXXX XXXX. I received and investigation letter from XXXX XXXXXXXX XXXX  where they tell me that they do report my payments to Experian, XXXX, XXXX, and XXXX, but I don't know why, only XXXX shows informaion about my mortgage credit, and the other XXXX bureaus, they do not do it.
Product: Checking or savings account

I think Chase Bank 's behavior is discriminatory and even unreasonable. I have repeatedly told them that someone stole my Chase account and tried to deposit my Chase check into my XXXX  XXXX XXXX. After the incident, I contacted XXXX  XXXX XXXX and Chase in time to inform them that the bank account had been stolen. Chase Bank also restored my account access rights in time, but after the most recent call with Chase, their staff closed my card without my authorization and said they would replace it for me. After I refused, their staff reopened it again, but just one day later I received an email telling me that my account was closed and permanently. I have been a Chase Bank customer for more than three years and have never had such a situation. I am really frustrated. I tried to communicate many times but in the end there was no positive response, and I was not even given any opportunity to prove myself. 

I just asked for fair and equitable treatment, but Chase Bank 's way of hurting customers really makes people feel serious discriminatory service. I will have to complain to more institutions and departments and report Chase Bank 's mistakes and discriminatory services in the entire incident. I will also entrust my lawyer to formally file a lawsuit against Chase Bank.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate collection account reported by XXXX XXXX ( Account # XXXX ) on my Experian credit report for the amount of XXXX dollars. I was unaware of this debt and was never notified about it in any way. Over the last XXXX years, I have been XXXX  and, during that time, did not receive any communication regarding this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I am requesting full validation of this debt, including : 1. Proof that I was properly notified about this account as required by law.

2. Complete verification of the debt, including a signed agreement or original contract proving my obligation to pay.

3. Proof that Collection Management has the legal authority to collect and report this debt.

As I was XXXX  during the entire period in question, I was unable to receive any notices, making this reporting both unfair and inaccurate. If the debt can not be fully validated in compliance with consumer protection laws, I request its immediate deletion from my credit report. 

I request a swift resolution to this matter. Please provide written confirmation of your findings and actions. 

Below I attached a photo of my XXXX identification card and number as I am stil XXXX  in a XXXX XXXX XXXX.
Product: Vehicle loan or lease

Wells Fargo is very dirty they say they are the best bank and they are the dirtiest bank they say they have the best rates they have the worst rates they lied and they lie about lots of things like charges to ur account random fees all sorts of things I think they need to pay up there charges they have im not sure how many times but there was multiple XXXX dollar charges on my account multiple times I had to have them waived and money being taken out of my account I was missing hundreds Im not sure how much I just noticed my account was being missed money and Im not sure the dates or times and I got tired of missing my money they are so frustrating to work with and Wells Fargo needs to take accountability for their actions regardless dates or times of whatever happens to customers and it happened to me and thats very frustrating to find that Wells Fargo mishandled propelled accounts dead peoples accounts multiple times needs to be change and hold the company responsible for what they do thats all I have to say about that
Product: Mortgage

Bank of America charging me for late payments when they are not late. and hurting my credit
Product: Checking or savings account

I've been with Capital One for about 5 years maybe 6 when I open the account with them the interest was supposed to be more than I was getting and was never received I opened a 360 checking account so basically that's why I'm reaching out because I see you guys started the process and I have three accounts with them please reach out to me XXXX or at my email thank you
Product: Credit reporting

I filed a dispute with you all back on XXXX/XXXX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the XXXX round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Now XXXX
Product: Credit card or prepaid card

I have an XXXX card and did a purchase 12 months with no interest. I had a regular balance on the card as well so I did a payment that covered both the promotional balance/12 as well as paying off the regular part of the card. The promotional amount was {$680.00}, and in the statement the amount due for the promotional balance was not split out anywhere, so I did the calculation myself. It was $ XXXX which equaled {$57.00}, so I made that part of the payment for {$57.00} and paid off the rest of the balance of {$84.00} on XX/XX/XXXX. The bank rather than rounding as normal, rounded up to {$57.00} which left me XXXX cent short in paying off the card. Because of this, I was assessed interest on the non-promotional balance for {$11.00}. I called the bank on XX/XX/XXXX to try to resolve this and they refused to refund the interest charge. 

I have two major issues, the first is that they don't split out anywhere on the statement what the promotional part of the payment is, which leads to issues like this and the second is that they would not refund the interest fee even though they're using non-standard methodology in rounding.
Product: Credit card

An unknown person created and opened a Capital One  XXXX Credit Card without my consent or knowledge under my name and address, and was mailed to my address on XX/XX/XXXX. 

An unknown person created and opened a XXXX XXXX XXXX Account without my consent or knowledge under my name and address on XX/XX/year>. 

Last year when I went to file my taxes, they had already been filed. Someone filed my taxes without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

A COMPANY THAT I HAVE NEVER HEARD OF LexisNexis is all of a sudden reporting information on my insurance history ( and who knows what else ). The information they reported in relation to an insurance claim is inaccurate and has caused insurance companies to not give me the best rate or to be denied. The claim was from 2019 for less than $ XXXX and they have reported almost $ XXXX. I disputed it and told them that I had a letter from the insurance co. They still are stating their findings are correct. I then had the Insurance co. email them directly to confirm what the claim was. Lexis Nexis said they will have to do another investigation! are you kidding me. I told her the email was sent to their address on the form and gave her the phone # of the insurance person, LexisNexis didn't even want to take the phone # down. 
This claim has not " popped up '' until this Co. got involved. Their records are inaccurate and I do not want them reporting anything on me. How do I OPT out so they stay out of my business. We have 3 longstanding credit reporting agencies in place for years, so why do we need these idiots???? I also tried to log on using the link that they sent me to request my " report '' and was given a PW to plug in. Guess what?? the link did not take me to a place to plug in this supposed password. This place is a joke. I have listed a review on the XXXX site as well. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a XXXX based forbearance and then later loan modification by my my mortgage servicer XXXX XXXX XXXX 

During the trial period XXXX XXXX sold/transferred my loan to Shellpoint Mortgage LLC . Shellpoint Mortgage LLC. 

Shellpoint Morgage LLC. accepted my trial loan payments and I was able to get a loan modification. 

During this time I made all of my loan payments on time and even XXXX months in advance of when they were due per Shellpoint Mortgage LLC monthly statements. 

Part of the promise made by XXXX XXXX was that once the trial period ends and provided that the loan payments are all made in a timely manner no negative credit reporting would be made to the credit bureaus and any negative reporting would be removed. 

After the trial period was completed and loan modification was entered into on a permanent basis. Shellpoint Mortgage LLC went ahead and provided false negative information to the credit bureaus. 

When I asked them to remove this information they told me they would not even though this is in violation of my agreement. To this day they refuse to correct this information even though they can not proffer any information regarding any delinquencies on my loan.
Product: Debt collection

My law office has received repeated robocalls from Navient Solutions , LLC, The Caller ID is XXXX XXXX XXXX XXXX. 

When I called Navient at that number this morning, they were unable to locate a file associated with the number they are calling, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX number assigned to this office. Each call costs us more than a XXXX dollars. 

We received robocalls from Navient on Wednesday, XX/XX/2020 at XXXX XXXX and XXXX XXXX, and on Friday, XX/XX/2020 at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've made several attempts since XX/XX/XXXX requesting that XXXX/Sunlight/Launch update the trade line with the credit bureaus. Initially, they reported the trade line twice. As per my request, they had one removed a couple months later. However, the remaining trade line has not been updated, despite many requests to do so, since XX/XX/XXXX thus inflating the outstanding loan balance. Each time I bring it to their attention I am told that it may take up to 60 days. It is nearly 120 days since I was last informed of this without any update. I am planning to take out a HELOC in the upcoming months and this is having an adverse effect on my credit data.
Product: Checking or savings account

An online savings account was opened at Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, Account Number XXXXwithout out knowledge with {$0.00} balance. We keep receiving statements showing that balance with deposit slips. We have talked to the bank repeatedly including their fraud unit. We received a letter on XX/XX/scrub>XX/XX/that they have investigated, and the account was opened without our knowledge, and they were closing the account. 

We continue to receive quarterly statements indicating the {$0.00} balance with deposit slips. We have had telephone conversations quarterly, and they continue. We would like them staoped.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit card

My credit card ( Bank of America XXXX XXXX XXXX XXXX  ) has been the subject of fraudulent activity over the last 8 weeks. I have had three new cards issued, and there have been several fraudulent transactions not authorized by me, with consistent merchants, one of which being XXXX. 

I became aware of a feature known as XXXX XXXX XXXX XXXX XXXX or " XXXX '' and I believe this service has contributed to the fraudulent activity being perpetrated at my expense. My understanding is there are several merchants, who keep my credit card information on file ( XXXX  ) and these merchants benefit from XXXX, which updates them with new credit card detailed information ( such as number and expiration date ) as I have new credit cards issued. I believe there is a link between this XXXX  service and the scammer 's performing the fraudulent activity. 

When I requested that BofA opt me out of the XXXX service, they said they could not. I was able to locate a merchant list for the XXXX program, and I am cross referencing the merchant list with merchants on my credit card statement, however I am not sure how best to address these concerns with each an every merchant. 

This seems like something which should be researched to protect consumers.
Product: Bank account or service

Filed disputes for charges from my Wells Fargo bank accounts. Merchants provided emailed or paper receipts reflecting credit slips including cancelled transactions. However had to file disputes in order to recover funds. I provided Wells Fargo with all requested documentation to recover funds. The contact center and branches decided to close all of my accounts. I requested my funds from all accounts and expressed that no balances, overdrafts, charges or credits were pending against the accounts. More specifically my savings account has no attachment to my affected checking account. Wells Fargo has advised not to provide my {$410.00} to me until XX/XX/2016. I advised that these funds are social security income funds. Branch and executives advised that they refuse to release my held funds. I demanded a release of my funds and they refused. I advised that this is illegal and Wells Fargo has violated my rights!