23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I was scammed by a merchant posing as a legitimate vendor for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The tickets I purchased were entirely unusable, and I am requesting that Citi reopen my dispute and issue a refund for the {$230.00} I was charged. 

Here is a detailed account of what occurred : XXXX. Before the incident, I had already purchased valid tickets for the XXXX XXXX XXXXXXXX tour through the official website, XXXXXXXX XXXX XXXX XXXX XXXX  and was set to use these tickets on the specified day. 

XXXX. Upon exiting the subway, I was approached by an individual who misled me into purchasing XXXX additional tickets. They claimed that it was too late to use the official tickets I had already bought, and assured me that my original tickets would be refunded. Believing they were affiliated with the same organization, I agreed to purchase the additional tickets, which were printed for me on the spot. I have attached XXXX to this email. 

XXXX. After purchasing the tickets, I was instructed to follow another person to a separate location to board a bus for the tour. However, after waiting for some time, the individual left, and I was denied access to the bus. It soon became clear that the tickets I had purchased were fraudulent and not affiliated with the official tour in any way. 

XXXX. I later discovered that my original tickets, purchased from XXXXXXXX XXXX were still valid and could be used for the ferry. I successfully used these tickets to complete the tour, realizing that the scammers had no connection to the official event and that the tickets they sold me were worthless. 

XXXX. After this, I immediately filed a dispute with the credit card bank on the same day, but the dispute was denied on XX/XX/year>. 

It is intolerable for Citi to reverse the charge for this fraudulent merchant without conducting a proper investigation. The vendor engaged in fraudulent activity, and allowing them to retain my funds without consequence is unacceptable. I am requesting that Citi reopen this dispute and issue a refund for the {$230.00} I was charged for the fraudulent tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was falling behind on my XXXX XXXX/XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XX/XX/XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.
Product: Credit card

Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX  analyst Full report, and a full copy of my XXXX report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Debt collection

Aldous and Associates is trying to collect on XXXX XXXX membership fees for me, my wife, and my daughter. We have never even stepped foot into a XXXX  XXXX  and have no agreement with them. We dont even live close to a XXXX XXXX. I have disputed the debt with no response and continued collection efforts with threats of negative credit bureau reporting ...
Product: Vehicle loan or lease

I co-signed on the loan to help a friend in XX/XX/XXXX. When I co-signed I was assured by the financing company that I would only stay on the loan for 6 months. The car company explained that I were only needed to lower the interest rate & that I would be removed from the account. They never removed me but I also had no knowledge that they didnt remove me until the repossession of the car. My friend told me that she called them & explained her situation with finances. They assured her that they would work with her. The car started breaking down but the company refused to help get it fixed & the car was still under warranty during this time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed aren't mine. PLEASE remove them.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .
Product: Credit reporting, credit repair services, or other personal consumer reports

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 seven 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. reviewed my Consumer Reports and noticed that I had two late payments 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 Please investigate and provide Proof with statements showing that these payments 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/2019. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. Personify has not reported accurately ( every 30 days ) according to XXXX. I have disputed this through XXXX  3 times and I am still getting the same results. In the process of disputing with XXXX, I also contacted Personify on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to XXXX  correctly and in a timely manner. Personify also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XXXX of XXXX. That is 8 months ago. I have exhausted all my options. I have contacted XXXX  filed 3 disputes, I have contacted Personify Financial to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$6700.00} XXXX  XXXX Balance XXXX : {$4700.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Please keep compliant ( Ref : CFPB COMPLAINT ID XXXX ) open and request that Comenity Capital Bank to stop reporting me delinquent until this issue is resolve. I will write another response to Comenity Capital Bank and CFPB and mail it out on Monday XXXX XX/XX/XXXX. 


See message below : Sincerely, XXXX XXXX From : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Disagree with Comenity Capital Bank response to this dispute dated XXXX XX/XX/XXXX. See attachment. ( Ref : CFPB COMPLAINT ID XXXX ) I disagree with the Comenity Capital Bank finding of no basis to support fraud claim. A letter was sent to Comenity Capital Bank requesting not to report me delinquent and suspend interest and late fees on this account until this issue is resolved. However, Comenity Capital Bank continues to report me has delinquent and accumulates late fees and interest every month on my XXXX XXXX XXXX XXXX Credit Card ( Account ending in XXXX ). Please keep this case open until the issue is resolved. 

Rationale : This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/XXXX for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by Community Capital Bank. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under XXXX XXXX. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with Community Capital Bank because these charges are a result of criminal act of fraud. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/31, I received three denials for my application for " school misconduct '' loan discharge application. The only reason listed on the denial was I " Do not meet the requirements '' The denial fails to state what those requirements are. I submitted a large amount of proof that my school, XXXX XXXX, owned by XXXX XXXX XXXX XXXX had defrauded students, including but not limited to : several court cases filed by attorney generals, articles from reputable websites, The United States Senate XXXX and a stockholder memo drafted by the then XXXX admitted to the board that the " education '' being sold was lacking. My school was also listed under XXXX. XXXX XXXX. 

When I called Navient, it is impossible to speak to anyone in the depart that handles these applications. I called XXXX times, and only ever got to a voicemail. I work in health care, I'm not able to step away in order to answer a phone call IF they return it. But even more alarmingly, NO ONE at Navient, in any other department, could provide me with any information on the details of WHY I was denied ( other than the " does not meet requirements '' ). They would either forward me to the email, or flat out hang up on me. 

I was eventually told I could " write a letter and mail it '' as a form of appeal. 

This level of " customer service '' is absolutely abhorrent, shady, and makes it impossible for the working adult to navigate. I was able to call on my lunch break, after work, and during my brief break between patients -- and NO ONE could give me relevant information. This is both frustrating and alarming, there is absolutely no reason why Navient should be making obtaining information this impossible unless it doesn't actually want anyone to receive it.
Product: Credit card or prepaid card

On XX/XX/2019 @ XXXX at XXXX, XXXX, Tx at ATM # XXXX at XXXX XXXX, I tried to withdraw {$XXXX} + {$XXXX}. fee from my prepaid US Treasury given ATM/Debit card. After going through the process, the ATM machine said the ATM had an " internal error '' and could not finish the transaction, but took the {$XXXX} off of my Social Security debit card anyway. 
This happened at Capital One Bank @ XXXX, XXXX, Texas ( XXXX ). 
The man in the bank gave me a number XXXX but they said they could not reimburse or help me because I was not a direct customer of the bank. 

I'm at my witts end. I can not afford a {$XXXX} loss off of my already modest SS payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.
Product: Checking or savings account

Once again M & T Bank 's use of the merchant website XXXX  apparently run and handled by XXXX XXXX of M & T Bank is in our opinion an abject and total failure. Every single time we need to login it either does not accept our password, or the multiple idiotic " verification questions '' which seem to change or be altered each and every single time. When we have complained out of frustration to XXXX XXXX, we are met with her derision, arrogance, insults, veiled threats, haughtiness, and plain old XXXX poor customer service. This problem is especially egregious because we have just today received a credit chargeback ( on a Saturday ) which is time-sensitive otherwise they will remove probably tens of thousands of dollars from our account. In addition, the " forgot password : feature does not work either because it does not recognize the temporary fake answers to the questions that XXXX XXXX placed in when we complained last time. Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Product: Credit card or prepaid card

I called Citibank about a Home Depot job for gutters. The job number is XXXX. Some one named XXXX said he would file a dispute on it. He told me not to pay on the balance of XXXX dollars at that time. He said adjustments would be made later. A few days later I got a message about the dispute that I could not open and then I found that I had been charged a late fee because I did n't pay on the bill. I talked with them twice and although I could n't open their letters, they said that their disputed department said they could not file the dispute since the job was older than 90 days old even if I did still owe XXXX dollars. They did take off the late fee but they never even made an attempt to make things right for me about the gutters. <P/>By all appearances Citibank has teamed up with Home Depot to bilk people out of money for work that is not even close to being decent. When I talked with the so called installation manager for Home Depot, he asked me if I had leak protection on the gutters. I told him the gutters did n't channel the water and we had a water fall affect in various areas. The biggest problem with home depot is that they do n't keep commitments about calling or coming. <P/>Citibank has been quick to try and add late fees to my account even though I am really paying early and not late. They failed to inform me of anything going on with the dispute and at this time, they are showing my payment as late. They are in my opinion as irresponsible as Home Depot. I want assistance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got sick with XXXX  and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!