23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around the end of XX/XX/year> I got notice from Citibank that a credit card I had had an annual fee renewal coming up. I hadn't used the card in a while so I called to cancel the card. The agent who answered the call suggested that I convert the card to a no-fee card so that I could maintain the miles. That sounded fine since I wouldn't have to pay a fee, so I said yes. 

A week or so later I checked my online account and saw that there was an annual fee charged on my card, despite having changed to a no-fee card. I called immediately to address the issue. The agent who answered the call told me that the charge will be refunded and taken off so I wouldn't be paying anything. 

Today ( over a month later in XXXX ), I got a letter in the mail that said I owed the annual fee and it will be drafted from my account ( I have auto-draft ) in a couple of weeks. I checked my Citi mobile app and indeed the charge remains. I went into the chat function of the mobile app and asked about this charge. They said I would still have to pay the fee and that I would be refunded 51 days later. 

Now the main reason I wanted to cancel in the first place is that I didn't use the original card much at all. So now I have a {$99.00} fee I have to pay now that I didn't plan for. Even if it gets " refunded '' later, that is in a billing cycle where I might not even use the card. And again, I originally wanted to cancel the card in the first place. This feels very much like a predatory practice and betting on my not paying the {$99.00} to charge additional interest when I shouldn't have to pay the {$99.00} in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion credit report inquries that castumer servis did not help with XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission.

XXXXXXXX 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 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 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 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.
Product: Debt collection

I got a letter from XXXX XXXX XXXXXXXX XXXX  stating it was their second attempt at contacting me. I never received a first attempt. They say I took out a payday loan with CASHNET USA online without providing any prof of debt. They stated that I obtained this loan and immediately closed my bank account. I have had this bank account since 2008. If I did somehow get an online payday loan from a bank account from before 2008 it is well past the collection cutoff for Washington state, which I have lived in for 20 years. Furthermore they are arguing that since I " closed '' or changed my bank account they are accusing me with malicious intent to commit fraud and intend to add this to a civil lawsuit if I don't sign into their website to pay them money which I have received no proof of owing. I don't even have a date of when I supposedly took out this payday loan. They never state clearly that they are going to send me to jail but the language they are using is threatening and meant to intimidate. They state in their letter they have the right to subpoena references who will testify against me if this goes to trial but instead of naming any they put on the letter " undisclosed ''. So they are using words like malicious intent, fraud, subpeona, " witnesses testifying against me '' and trial for a supposed payday loan for under {$500.00} I supposedly took out and then I supposedly closed a bank account to avoid paying them. Again, no dates of this loan, no details. Nothing.
Product: Debt collection

This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violati

on of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 1. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Good Day I hope this letter finds you well. I am writing to request your attention in addressing a late payment that was reported to the credit bureaus by Truist Bank. The late payment occurred on or around XX/XX/2023 and was associated with my account, Lightstream Account XXXX. I understand the importance of maintaining a positive credit history and am committed to rectifying this matter by speaking with you. 

I would like to reference my previous communication and fully respect your commitment to ensuring your customers are fully understood. This was an isolated incident which was not my fault but it seems that all communication till this point has not experienced the expected empathic touch, especially in a business that deals with customers daily. 

I am reaching out to request a goodwill gesture from Truist Bank to have the late payment removed from my credit report as a current good-standing customer. It has to mean something to XXXX that there was an issue with the system somewhere that caused this isolated incident. Does this error by your system mandate a total destruction of my credit profile even as my account is being debited monthly? 

I kindly ask for your consideration in granting this request. The removal of this late payment from my credit report would greatly benefit my financial standing and provide me with an opportunity to rebuild my credit history. 

I kindly request that you review my account and, if possible, initiate the process to remove the late payment entry from my credit report. Your assistance in this matter would be greatly appreciated. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or if you need to discuss this request further. 

Thank you for your attention to this matter, and I look forward to a positive resolution. 

I really look forward to speaking with you sometime soon. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX in XXXX Ga in XXXX of 2018. I originally pawned my title at XXXX XXXX and fell behind. XXXX XXXX bought out XXXX XXXX. XXXX XXXX gave me a new loan and payments at XXXX monthly for 24 months. I was making monthly payments until I lost my job. I fell behind and they would not work with me with my payments. They added outstanding late fees & interest rates went up. I've made XXXX towards the loan and they still want work with me. The only option they are offering me is to return my vehicle. Please Help. Now they say the balance is XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector continues to call my family members daily even after they asked him to stop. He also disclosed private information about my debt to XXXX of my family members. And is using his name when he contacts other family members. Also calls my phone and their phones repeatedly throughout the day.
Product: Student loan

My loans were transferred from XXXX to MOHELA upon completion of a PSLF application. Initially, everything seemed fine, although the transfer caught me off guard. Despite this, I ensured my account was set up for auto payments. MOHELA received the payment of {$140.00}, the same amount I paid when with XXXX. However, because the payment post date was on the XXXX, an additional {$19.00} in interest was applied to my account, causing it to be past due. I contacted MOHELA customer service and spoke with multiple representatives. The first seemed confused and couldn't provide a satisfactory explanation, so she submitted an application for forbearance. Feeling uneasy about the charge and being told I was XXXX days delinquent, I called again. The next representative claimed the charge was related to the transfer and initially suggested I reapplied the payment ; then she stated the accounting department reapplied it. When I questioned the logic behind this and the fact that it made me appear delinquent, she explained it was an interest charge, as loans accrue interest daily. However, this explanation didn't add up. Why was I being charged {$19.00} randomly? This seemed like an error on their end. It's not about the amount but the principle ; it appears I'm late on a payment I had no knowledge of. This situation is unacceptable, and I'm still awaiting a satisfactory explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a USPS certified letter to XXXX XXXX XXXX Account # beginning in XXXX to verify debt they claim I owe to their company. They in return have made an attempt to resolve this matter of validating the debt
Product: Debt collection

This company XXXX located at professional debt mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has a judgements on my credit for an amount not owed I attempted to negotiate with this mediation company to pay XXXX for which they did not accept. Then I ask for the summons that was served to me with my signature or could they furnish burden of proof with my signature that I was made aware of this collection amount owed .I want the burden of proof that I XXXX XXXX signature and paperwork was provided to my current address for this debt Also provide me of the method of contact they used to contact me with paper trail
Product: Credit card

Shadiest bank I've ever been associated with. Did not receive a bill in XXXX ( I pay my balance in full every month by check ). Get a bill in XXXX with {$31.00} in late fees and interest. I simply call to get the fees removed- even if it were MY fault, every bank I've ever seen removes them as a one-time courtesy. 

I get an off-shore agent who barely speaks XXXX, has no authority, doesn't sound like he knows what he's doing. Asks for my email, tells me " i'll be contacted ''. XXXX minutes later I get an email telling me " I can't be authenticated, and I have to go to a notary! ". Ridiculous. 

I call back and get " XXXX '' who refuses to transfer me to a supervisor, asks me a couple of stupid questions, and it goes nowhere. Most inept, disgusting nonsense I've encountered from a credit card processer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting duplicate accounts for XXXX XXXX both accounts are showing a balance this is incorrect the balance in XXXX acct ending in XXXX original loan balance XXXX
Product: Mortgage

In XXXX I did a loan modification with my mtg. I was at 2 % interest rate and knew it was increasing eventually and that was fine. It then increased to 3 % and showed fixed rate until XXXX/XXXX/XXXX. On XXXX XXXX XXXX statement the amt due did not match amt due online which is how I always pay so I had to call them. After getting the run around I get a gentleman who tells me pay the amt that is showing XXXX. XXXX is always most accurate he says. Then says your interest rate will be going up in XXXX so in that case online is NOT correct the paper statements are. I said what the heck do you mean? It shows online no more rate changes til XXXX/XXXX/XXXX? He said well online is incorrect about that. Sorry, I said " your sorry '' that do n't help. My payment is going up again & your sorry your system must be wrong? I have turned away numerous phone calls & letters about refinancing. I believed I was now FIXED at my current rate & payments as long as my escrow did n't change? He said " I do n't know '' ... So I wrote Chase mtg a letter XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX as you will see with my attached documents they are still researching? They tell me XXXX story after another. If there was a truthful reason then why 4months later are you still researching? Please help me with Chase.
Product: Debt collection

I recently filed a complaint against Jared the Galleria Of Jewelry for still reporting an account to the credit bureaus as Jared themselves when it was charged off in 2019. You responded to my complaint that My Jared account became XXXX XXXX XXXX XXXX and that XXXX sold the debt to the XXXX XXXX XXXX XXXX XXXX. I am now filing a complaint with the XXXX because this company is IMPOSSIBLE to get in touch with. I have been scouring the internet to find out how to get in touch with these people and then I find out this company is not even accredited by the XXXX. I have called twice over the last month and left an EXTREMELY DETAILED message, I have sent an extremely detailed and frustrated email, responded on their home page to the contact us form. Nothing. Not a word. These people have a debt that I am busting my XXXX to pay off thats keeping me from purchasing a home for my family and I cant pay it because its impossible to get in touch with this company. I am enclosing photos of the whopping 2 reviews that I was even able to find on this company because they arent XXXX accredited, and they do not have reviews on their web page. Probably because they dont take phone calls and dont call people back or email them back. This company needs to be SHUT DOWN. The debt was originally Jared the Galleria of Jewelry, then XXXX XXXX XXXX XXXX, now XXXX. Amount was {$6700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a hack. I went to their provided website and it says that my personal information is impacted by the breach. I will also be calling them to get an initial fraud freeze placed on my account.
Product: Checking or savings account

Hello I XXXX XXXX have been dealing with a dispute at fifth third bank of $ XXXX. They closed my account and made it $ XXXX making my bank credit look bad. They told me I dont owe that but if its negative it reflects different
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report carries a mortgage amount. It is associated with an address in XXXX XXXX., neither of which is mine. The IRS admits there has been Identity theft. I do n't live in XXXX nor XXXX period. I sent copy of my drivers license and the IRS letter. I rent and live in XXXX for 4 years now. Previously XXXX for 3 years and XXXX before that. It is not my mortgage and they refuse to verify that at least contact the Post office were the account seems to be registered. I do n't have any documents about the mortgage nor XXXX XXXX XXXX  because they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called XXXXXXXX XXXX XXXX and changed my credit card payment date from the XXXX to the XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. 

Before making my XX/XX/XXXX credit card payment, I called XXXXXXXX XXXX XXXX  on XX/XX/XXXX to make sure I understood when my XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. 

I discussed this with a XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. 

I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped XXXX points with XXXX  and XXXX  + XXXX points with Experian. 

I called to discuss with XXXXXXXX XXXX XXXX  because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. 

I checked my XXXX and XXXX statements from XXXXXXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. 

And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Product: Credit card or prepaid card

My older brother passed away on XX/XX/XXXX. I got around to closing his Citi Dividend Card in XXXX of XXXX. I closed the card using the phone number on the card. The Citi representative said I would have to send a copy of the death certificate and a letter asking them to send me the Dividend Dollars ( {$31.00} ) left on the closed account. She gave me a XXXX XXXX address to do so. A few weeks after sending the information off to Citi, I received a letter stating that they were unable to process a redemption of the {$31.00} because it was less than XXXX dollars and was below the minimum amount required to redeem the dividend dollars. 

I was incensed and called their number on the letter. They refused to budge. I am thus register a complaint against them for being unreasonable and callous to my brother who passed on XXXX day of XXXX. If you could help me with this, I would be grateful for your doing so. 

XXXX XXXX ... ... ... ... XXXX