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

Over the summer, XXXX was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as XXXX has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : XXXX, TransUnion and XXXX. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.
Product: Debt collection

A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the several unsuccessful attempts to remove fraudulent items from my credit file. Despite several reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist, causing significant distress and inconvenience.

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 
Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period.

To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities.

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXOpened XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made a transfer on Zelle from my account to someone with the wrong number. 
The amount was {$180.00} I immediately recognized it was the wrong recipient and called XXXX XXXX to dispute the transaction so I could get my money back. 
After spending about a hour to two with customer service they said it was a valid transaction and further more nothing could be done. 
I asked for further investigation only to receive a notice in the mail in the following weeks saying their was nothing they could do.
Product: Credit card

XX/XX/2015 I received an offer from Citibank to apply for the Citi Advantage card with, which was offering a seasonal bonus of XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I was at the time a XXXX year old XXXX XXXX who had never had a credit card and although I was cautious but I decided to apply. I am very conservative about sending so my plan was to use the card on expenditures I otherwise would have made with my debit card. Specifically, I planned to charge my Fall tuition to the card in order to reach the spending requirement before the offer expired. I was approved for a Platinum Select with a {$2500.00} LOC. I received the card after the XXXX holiday and activated it in XX/XX/XXXX. My XXXX purchase was made on XX/XX/XXXX. Over the next 3 months I used my card instead of my bank account for tuition expenses as well as other medium to large purchases, diligently trying to make sure I reached the $ XXXX in charges. Before deciding to apply, I had called the customer service line on the mailer and asked about the details of the program and I was told that " account opening '' referred to my activation of the card and this would commence the 3 month countdown. This being my very 1st credit card experience I took that at face value, additionally, when my card arrived the accompanying package contained literature which had disclosures, but none which expressly outlined Citibank 's definition of account opening. I tracked my purchases and calculated {$3000.00} in purchases by XX/XX/XXXX, however, when I called in XX/XX/XXXX to inquire when the miles would be reflected I was told that I had missed the spending requirement, having made only {$2900.00} in purchases because they were disallowing my last purchase. I am by all accounts crestfallen, here i am having accumulated $ XXXX in charges and related interest and Citibank is insisting that they will not honor my bonus reward because they started the clock from the date of approval. I find this to be a very deceptive tactic on their part, how can it be expected for a cardholder to fulfill program spending requirements with a card they have not yet received. As a young student trying to be wise about credit and finances, I feel very much disillusioned by this experience with Citibank. I do not feel that their credit card disclosure adequately addresses the specifics of the Bonus Rewards program in regards to qualifiers ( lack of definitions, glossary etc ). I would like Citibank to address my grievance.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Mortgage

Suntrust Mortgage sent a letter stating I needed to provide proof of flood insurance because their system showed an update as of X/XX/2017 that changed my condominium 's flood zone from XXXX to XXXX. I contacted my home owner 's association ( HOA ) rep, and she stated that per the association insurance company, my property is not in a flood zone. <P/>With all the back and forth, Suntrust force placed flood insurance on the condominium unit. I got the notification today, X/XX/2017. The letter is dated X/XX/2017. I contacted Suntrust to find out what they used to determine my unit was in a flood zone and was on the phone with the insurance department for 30 minutes. I was checking the FEMA flood map for my address while I was on the phone with them and it shows clearly that it 's in zone XXXX. They finally admitted that they do n't have any documentation that shows my flood zone changed from XXXX to XXXX. <P/>They are requiring that I show proof that it 's not in zone XXXX. I am upset that they can force place flood insurance without any proof that my property is in a flood zone, and that I have to get proof to show otherwise. That 's like saying Suntrust thinks I 'm guilty and I have to provide proof I 'm innocent. Should n't it be the other way around? Should n't they have to show documentation of a change in the flood zone? My HOA would need documentation before getting insurance coverage, why is Suntrust allowed to force place flood insurance without proof? <P/>Suntrust should either show proof that my condo unit is in a flood zone, or take that insurance off as well as refund me the fees and interest they charged because of that insurance.
Product: Student loan

My loans had gone into default and in late XXXX I started the processes of consolidating them and bringing them into good standing. The consolidation process comes with a period of time to change or amend things. I received my consolidation packet in the mail AFTER the date it said I could make changes/amend the agreement. I immediately called My Great Lakes and they said that today is the day that everything was consolidated and because they didnt hear from me theres nothing they can do. HOW COULD I CONTACT THEM BEFORE I RECEIVED THE INFORMATION? Its ONE DAY and with Covid everyone knows the mail has been notoriously slow. Im so angry/frustrated. They CAN help me, they just dont want to. Ive told them that as soon as I got the consolidation packet I saw two incorrect items and those are the ones ai didnt want to include in the consolidation. Theyre refusing to help me. Its really gross on their part.
Product: Credit card

Attended a timeshare exit presentation. A Barclays RCI credit card account was opened and a charge of {$11000.00} posted on XX/XX/XXXX XXXX  by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. 
I send a certified letter to opt-out. 
I talked to XXXX XXXX, Customer Support for the processing center and she acknowledged the error and receipt of the opt-out letter. She then wanted to know if we wanted a check mailed or a credit back to the credit card. We responded by telling her to credit the credit card. She said she would do that but needed a document-sign form. She was to send this to us. We have not received the form. We have not received any further response or communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with American Express that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to Covid 19 including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with American Express and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to Covid 19 and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.
Product: Credit card or prepaid card

I have mailed a letter to American Express asking to close the credit card account ending in XXXX. For one there are outrageous late fees being applied to the account and I dont even know what the exact charges are. I have even had a balance transfer to try and resolve an issue with American Express. The balance transfer doesn't show any charges what so ever. I have also asked for a payment plan and sent monthly payments however those payments have not been acknowledge and they have went as far as to post this on my credit. I also have reason to believe that someone other than me is trying to access this credit card account. A man at XXXX XXXX XXXX ( manager ) in XXXX, GA even thought the credit card was maxed out which was very strange as to why would someone automatically assume they know about someones financial situation. A letter had already been written to close the account and was no longer being used. American Express continues to double to the fee by XXXX every month and they act as if the account is still open. It is getting out of hand. I have reason to believe that someone is still trying to add charges to the account. I have also had an issue with payments not being posted to the account after being sent. I also had problems with the account balance not being updated after payment has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I opened an account with Hyundai Capital Amierca to lease a Hyundai XXXXXXXX. Every payment was made on time ( or early ) between XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received an offer to trade in my lease early with XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Part of this deal was that they would make my final payments for the existing lease and I would start a new lease with my next vehicle. We proceeded with the transaction and I began my new lease. 

In XXXX of XXXX I received a letter indicating my payment was late for the existing vehicle. I brought the letter to my dealer and they called up Hyundai Finance and advised me not to worry, their check was sent to them and there is probably a delay. This occurred in XX/XX/XXXX again and I was told the same thing. 

By XXXX of XXXX the creditor had put the account into collections as a chargeoff. I then came into dealership, made them conference call Hyundai Finance and it was at this time the dealer realized they made an error in calculating payoff. They immediately sent the check to Hyundai Finance and the account was closed as paid, with a charge off. 

In the following XXXX years, I returned to the dealer several times asking they contact Hyundai Finance as my credit report was showing XXXX late payments and a charge off. The dealer reached out and was told this information would be corrected. 

This past XX/XX/XXXX, my wife and I began looking for a home and upon checking credit I noticed this issue remained uncorrected. I called all credit bureau 's opening several disputes which all returned without any change. Upon calling the credit bureau 's I was told that I had to write the creditor as they can only report what the creditor agrees to. 

Over the past 4 months I have called and written the creditor only to be told ultimately that while they understand the dealer made the error, they would not update the reporting information as it was " correct at the time ''. I asked if they understood I as the consumer was not at fault and they indicated " yes, we understand, the dealer is, but the information being reported is technically accurate ''. 

As the innocent party, following the direction of the dealership who assumed responsibility for payment, I don't understand how I end up the damaged party. As Hyundai Capital America has refused to make a change, I am requesting your assistance in correcting this information. The attached letter contains account numbers, address 's for relevant parties as well as the dealers own words on the current issue.
Product: Credit card

1. Tried to request an online refund within 10 days of a previous online refund. Website verbiage misleading, making customer believe that ( s ) he can call customer service to request a refund. 
2. Called citi government credit card services. Entered XXXX digit credit card number and last XXXX of SSN via touch-tone keypad to validate my identity. Once I forwarded to a customer service representative, required to provide XXXX credit card number and last XXXX of SSN verbally over the phone. ( a ) Inefficient - wastes customer 's time & ( b ) security concern - XXXX digit card number and last XXXX of SSN must be passed verbally over phone to customer service rep. I made this call from my workplace & co-workers to my left and right could have copied my information. Completely unsatisfactory. 
3. Customer feedback? Asked my customer service representative to take-down the XXXX concerns outlined above ( XXXX ). Customer service rep did not have a means to collect customer concerns. Asked for her supervisor. Supervisor did not know of a means to collect customer concerns. Sent back to customer service rep to " copy down '' my concerns. If a multi-billion dollar company does not have a means to collect customer comments, it is highly doubtful a customer concern will be heard by management, much less reviewed or implemented. Additionally, Government website does not provide a link to provide feedback : XXXX classic=2Found this online customer feedback link after a google search. Recommend providing a link on the government credit card online banking website to collect, review, and implement constructive customer feedback. 
This XXXX phone call and this survey only solidifies my 20-year loyalty to XXXX and XXXX. After today, I will be reticent to use citi for any of my banking or mortgage needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX   's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank of America credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Product: Debt collection

I recently obtained a copy of my credit report. I noticed a collection on my report from Convergent for XXXX. 1. I was never notified about this debt. I never received any letters or phone calls concerning this debt. I was never given an opportunity to dispute this debt, it just showed up on my credit report. 2. I do not owe this debt.
Product: Credit card or prepaid card

I contested a charge with Citi Cards. They sent a letter requesting information and documentation dated XX/XX/20. Though the the date on this letter was XX/XX/20, I received it via USPS on XX/XX/20. I drafted a very detailed response ( 30-pages of documentation ) on XX/XX/20 and submitted it via USPS Certified Mail on XX/XX/20. The USPS Certified Mail return receipt shows they received it on XX/XX/20. 

On XX/XX/20 I received a second letter from Citi Cards informing me they did not receive a complete response. This is factually incorrect. 

My original response regarding the disputed charge included a cover letter, index, and 23 relevant attachments.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX XXXX 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/198XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX Dear CFPB, I want help to access enforce the payment of the relief funds and regular policy and help to the resolve the existing claims : claim number XXXX {$100.00} claim number XXXX {$1500.00} claims number XXXX {$170.00} Claim number XXXX {$180.00} claim number XXXX