23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX card and was approved. 
Citibank Changed my address and mailed to this incorrect address. 
After notification to Citibank a supervisor admitted to citi causing the mistake. They would again send a card. They again sent the card to a wrong address. 
Citibank then requested I reapply because of the time that had passed. I said it was not my mistake and another hard inquiry would effect my credit score. Citibank has various ways of determining if my credit had changed during this process through soft Inquiry. The card was closed. 
Citi then reported this address to the credit bureaus. I have numerous recorded calls from citibank. I have been called by citibank from a XXXX area code asking me to call XXXX. I have done so and they representative has no idea why I am told to call. I filed a dispute with the credit bureaus and they contacted Citibank and Citi claims it is my address. My address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. Citi has listed my address as XXXX XXXX XXXX XXXX Texas XXXX. This is a non existent address. I never received a credit card though several conversations were made and again a supervisor admitting that an employee entered the wrong address. The Credit Card was never sent to me. I dont feel it should even be on my credit file as I was never given opportunity to activate or use the Card. The address should also not be the n my Credit files. I have numerous recordings and also voice mail from Citibank. They have Wasted XXXX of hours of my time. I have followed every instruction given to me by various Citi employees and they have changed nothing. They know for example the address is not correct and when contacted by the Credit Bureaus they state to them it is. I have been contacted by other companies where I have an account after they are somehow notified of this address. This has also caused me numerous hours of explaining. I have never been late on any payments Or accounts I have ever had. I am close to an XXXX credit score. They wanted another Hard Inquiry on my credit due to their admitted mistake. I have also been questioned on why I have a Citi card opened and closed in such a short period of time and again I am questioned on this fictional po box . Citibank is well aware of what has transpired and has refused to correct the issue. If a person was one day late on a payment they have the power report this to credit bureaus. I have no power to show how Citibank has acted in this matter and again They were contacted by the Credit Bureaus by my filing of a dispute and refused to correct the issue. I am sure they didnt even bother to look they just tell credit bureau they are not wrong. If they had soent less than 5 minutes looking into to the claim they could have corrected it. Again I have numerous calls and voice mails from Citibank and they admit the mistake to me personally but not to the Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This was CFPB Complaint XXXX for Experian and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Experian at XXXX on XXXX, I found out that I can NOT mail ANY information to Experian because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for Experian and have yet to be given one. [ Note : My Experian Complaint on XXXX has a Company Misprint on it. ]
Product: Money transfer, virtual currency, or money service

Yes I hired a contractor to to do work to my home the under the roof soft at work he wrote me a contract the total was for {$700.00} I gave him a {$350.00} deposit and he said he would be back the next day to start working and he never showed back up I reached out to my bank and they don't have any rights to cash up or their form of payment I reached out to XXXX XXXX  and explain to them that I was defrauded and scammed and they did nothing for me to help me recover my money so I'm hoping that there they said something in their contract or something I never seen anything saying that they're not responsible I don't know but I just want my money back I'm so upset
Product: Payday loan, title loan, personal loan, or advance loan

PLEASE BE ADVISED ; I ACCEPTED THIS LOAN FROM PROSPER IN THE AMOUNT OF {$18000.00} AND ACCEPTED ALL TERMS WHICH INCLUDED A MONTHLY PAYMENT OF {$590.00} TO BE DEDUCTED FROM MY TD BANK ACCOUNT FOR 36 MONTHS VIA THEIR AUTO PAY OPTION. I SUCCESSFULLY MADE EVERY PAYMENT FOR THE ENTIRE 36 MONTHS IN FULL! SO CLEARLY I DID NOT MISS A PAYMENT. APPARENTLY PROSPER ADDED AN ADDITIONAL {$110.00} FOR AN ACCRUED INTEREST AMOUNT TO THIS LOAN WHICH THEY NEGLECTED TO DEDUCT VIA AUTO PAY JUST LIKE THEY DID FOR THE 36 PAYMENTS. THEY ALSO NEGLECTED TO SEND ME ANY NOTICE ABOUT THIS ADDITIONAL AMOUNT OF {$110.00} AS THEY ARE A PAPERLESS COMPANY. THEY ALLEGE CALLING ME 1 TIME BUT COULD NOT DISCUSS ANY DETAILS ABOUT THE CALL WHICH COULDVE BEEN A SOLICITATION FOR A NEW LOAN. PROSPER THEN REPORTS TO MY CREDIT BUREAU THAT I MISSED A PAYMENT WHICH IS A LIE! I MADE EVERY ONE OF THE 36 PAYMENTS FOR THIS LOAN. I PAID THE ADDITIONAL FEE AND FEEL THIS WAS A MISUNDERSTANDING AND NO FAULT OF MINE SO THE MISSED OR LATE REPORTING SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX Equifax and XXXX  about the problem and each consumer about the credit inquiries no one can give me accurate information on when and who ran my credit report without my permission
Product: Credit reporting or other personal consumer reports

During the summer, I finished my term with XXXX XXXX XXXX and requested a student loan payment of {$360.00} on my XXXX account, the remainder of what I had left to owe for my student loans. The payment was scheduled on the XXXX website for XX/XX/XXXX of this year. I got a notification regarding repayment in late XXXX and sent an email to EdFinancial Services on XX/XX/XXXX about the problem since the amount hadn't reflected on my account. I got a response on XX/XX/XXXX from them saying that the payment was now posted to my account, which is now reflected on their website, but I just checked my credit reports from all three of the major credit bureaus today, XX/XX/XXXX, and they all still reflect the loan saying that I have a balance of {$360.00} despite it being paid off. I had filed a dispute with the companies at least two months ago, but XXXX concluded on XX/XX/XXXX from my dispute that the balance was still there despite EdFinancial Services saying it was paid, and I had sent a message to EdFinancial Services about reporting my full payment to the credit bureaus, which has yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the Equifax and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.
Product: Credit reporting or other personal consumer reports

On this date XX/XX/2023 there has been false permissions on my credit report from creditor name Bank of America. 
Due to 15 U.S. code 1681b - Permissible purposes of consumer reports I demand these inquiries to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated in response to my dispute that in some dispute a change can be made without contacting the furnisher or vendor. Experian as you have requested I have provided additional supporting proof documentation directly from my XX/XX/XXXXBack checking account clearly showing payment made via automatic payment to XXXX XXXX XXXX account ending in XXXX XX/XX/2020 in the amount of {$410.00} dollars. I have attached proof supporting documentation from my XXXX XXXX  account showing payment made and received on time. You can clearly see from the supporting proof documentation that the payment was made and received on time for XX/XX/2020. I request that Experian review the additional supporting documentation I have attached. 


CFPB I ask that as the governing agency that you hold have Experian uphold the FCRA requirements in regards the additional supporting documentation I have provided to Experian. This additional supporting documentation clearly show my payment made to XXXX XXXX XXXX via automatic payment received on time for the month of XX/XX/2020.
Product: Debt collection

Hello, I have been having an issue with XXXX in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

Santander Consumer USA Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. 
I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.0XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of LexisNexis removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Product: Checking or savings account

In XX/XX/XXXX, I received an offer via my Citi mobile app to open a new checking account with $ XXXX or more and earn a {$700.00} balance. I opened the account on XX/XX/XXXX with {$100.00}, and funded the additional $ XXXX on XX/XX/XXXX. As per the offer, I had to fund the full $ XXXX within 30 days of opening the account and leave the full $ XXXX in the account for 60 consecutive days, which I have done. On XX/XX/XXXX, after not receiving the bonus, I reached out to Citibank via instant message. I was advised that the 60 days started the first full month after I funded the account and then it took up to 90 days after the full 60 days - another words, it would be a full 150 days to receive the promotional bonus. This is not what their offer said, but I was okay with it. On XXXX XXXX, I reached out again since I did not receive the bonus via instant message. I was advised that indeed I should have received the bonus and that it would be funded within XXXX business days. On XX/XX/XXXX, I followed up again and was advised that it would not be funded for another XXXX business days. I then asked to open an official complaint ( XXXX ), they told me that I would need to call their customer service at XXXX to have receive the bonus. I called several times, the first person asked me to call XXXX XXXX for help, that person told me I had to call the original number again. Finally, after several calls, I spoke with a lady on the evening of XXXX who advised me that my case had been closed. I asked about where by {$700.00} was and she said she did not know. She then said that it was denied. When I asked her why, she could not provide me any reason and had to check with their back-room which would take up to XXXX business days. Today, I logged into my account and it shows on XX/XX/XXXX they posted a response, I click the attachment, that is dated XX/XX/XXXX ( not sure how they can post something before it is written ) that states my account did not qualify. They told me in order to qualify, I had to provide them a physical copy of the promotion disclosure addressed to me and that screen shots, and on-line offers, or blogs would not qualify. I never received a mailer because it was in my " Rewards & Offers '' in my on-line account. When I try to access that link now to see if I can see it, I get an " Error : We are having trouble loading your offers. Please try again later. '' Clearly, this is a scheme to get cash. They make on-line offers and then will not honor them. I do have several screen shots on my phone including a portion of the original offer. I tried to close my account today and they told me they would now charge me to wire my money or they would send a check, but it would take up to 30 days to receive. Clearly, Citi is scamming people to get cash, not honoring their offers and then making it difficult to get your money back. They continue to " buy time '' to keep your money even longer. This is the most unethical thing I have ever encountered with such an organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.
Product: Mortgage

Since XX/XX/XXXX, we have a home mortgage loan with Caliber Home Loans. We were affected by Hurricane Irma in XX/XX/XXXX. Caliber told us that we qualified for a 2 month forbearance for the months of XX/XX/XXXX and XX/XX/XXXX. We were under the impression that our payments that were not made in XX/XX/XXXX and XX/XX/XXXX would be added to the end of our loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we continued making our regular mortgage payments by calling in over the customer service line. Caliber stopped allowing us to pay our bill online and were required to either call in ( for a fee ) or mail a check. Each month our mortgage statements stated that we are delinquent although we were a part of the natural disaster. We were also charged a fee for an " inspection '' that we were not aware of until after the fact in XX/XX/XXXX. This was not disclosed when we started the forbearance by the representative who we spoke to. We were treated like we simply stopped paying our mortgage instead of being a part of the natural disaster program. The process was not as simple as they made it sound and in fact has caused a lot of hassle and complications. 

I spoke to an agent on XX/XX/XXXX in regards to our statements showing a past due balance and being delinquent to get a better understanding of the entire process. The process feels very deceitful because now we are forced to do one of two things : 1 ) Bring the loan to current status by paying the entire 2 months at once or 2 ) going through a loan modification which increases our loan length and our loan amount by thousands of dollars. The agent said that many customers were calling in with similar complaints. The representatives who enrolled us in the natural disaster forbearance did not disclose these additional details. It seems to be that Caliber is taking advantage of customers who suffered during a natural disaster.
Product: Money transfer, virtual currency, or money service

Someone hacked into my PayPal XXXX account and made XXXX transactions overnight while I was sleeping. The incident happened on XX/XX/2024 at approximately XXXX EST. The first transaction was for {$800.00} & the XXXX  transaction was for {$870.00}. The hacker added their bank account ( the bank info I can see was XXXX XXXX  XXXX XXXX ( XXXX ) then transferred all the money from my PayPal account into their bank account. I looked the bank up and it's locations are in Minnesota. I live in Pennsylvania. I filed a case with PayPal online, received an email saying it was closed in my favor. The funds were not refunded so I called PayPal to ask when it would be refunded. The representative I spoke to said he needed to reopen the case and add more notes. He said they were definitely unauthorized transactions and most likely the hacker got into my email first to send verification there then got into my PayPal. He told me not to worry, it's definitely fraud and I would hear something in XXXX  days. Hung up. XXXX minutes later I received another email saying the case was closed. They found no unauthorized activity on my account which was the complete opposite of what the representative told me a few minutes prior. So I called again. Was on hold for awhile with someone else while he prepared things. He said he filed an appeal on my cases and added more notes & that I would receive an answer in XXXX days. Hung up. Checked my email. Nothing. The last XXXX  times I got something stating that a case was opened. Went to PayPal and I am only seeing XXXX closed case in the resolution center. Nothing is pending or open. Now I feel like they are giving me the run around and didn't reopen anything. I run a small business. That money was all I had to keep it running and now my money is gone and I feel like they are not helping me. I feel stuck so I am reaching out for hopefully some help. Thank you.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the XXXX ( XXXXXXXX XXXX XXXX ) XXXX Balance {$520.00} still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

On XX/XX/XXXX, Chase Merchant Services XXXX deducted {$99000.00} from our bank account. We were not given any notice nor any explanations to the reason of the debit. From XX/XX/XXXX to XX/XX/XXXX further deposits have been withheld in the amount of {$9000.00} that is not reflected on our bank account. This makes the total amount withheld {$100000.00}. This action taken by Chase JP Morgan XXXX is detrimental to the survival of our fledgling new services, survival of our organization and disables us from meeting our debts and obligations. It has been over 60 days and despite many calls by me and by our local bank representatives the {$100000.00} has not be reversed. This action by Chase Merchant Services demonstrate abusive use of position without due process. 

After all communication with many representatives we were left with two possible reasons to debiting our account by {$99000.00} plus other deposits. First reason possibly due to section XXXX of Terms of Agreements to cover Chase Merchant Services in section a ) from risks, refunds and liabilities and in section b ) about required Reserve, which we will determine in good faith. Deducting {$100.00} thousand from total transactions of {$220.00} thousand which is approximately 50 % of all collected amounts does not demonstrate good faith only abuse of position with lack of regard to a new business. Second reason being that we stated that our total estimated transactions would be {$25000.00} and we exceeded that amount. Nowhere in the Terms and Agreements is it stated that the amount of our transactions can not exceed our initial estimation of transactions. We provided the bank letters showing that we are processing special health insurance for students at a major college and the amount taken is premium from 167 students who paid their premium in good faith that now can not register for Spring XX/XX/XXXX classes. We provided letters from college leadership, insurance company leadership explaining the urgency of this matter to no avail. The service we are providing is at minimum risk and refunds are rarely issue in spring since 98 % of students are ongoing students who are not eligible for refunds and this was substantiated by college leadership and insurance company. Hence making the amount of fund withheld in reserve extreme and unfair practice.