23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have three credit card accounts with CitiBank. I have made several attempts to make payments beginning in XX/XX/2019. The first two attempts made were to pay my credit cards, in cash, inside the bank branch. The bank refuses to accept cash payments and required me to submit payment in other forms. 31 US code 5103 Legal Tender states " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts ''. I attempted to make a cash payment ( in {$20.00} bills, not coins ) to pay a debt and it was refused. Reluctantly, I went and PURCHASED a money order to make payment. When I arrived at the bank, I was told they could not make payments to my different accounts with 1 money order, the required each account to have a money order to be able to make payment. The bank manager offered to help me by opening an account so I could make a deposit to the account and divide the payments as needed. I opened the account and CitiBank placed a 5-day hold on the money order because it wasn't " cash ''. This later resulted in 3 NSF fees and late payments. The bank advised I could make a cash payment via the ATM with a special pin. I obtained a special pin and was able to make 2 payments since XXXX and no other successful payments subsequently via the atm ; the ATM provides an error code, which the bank says is not their issue to call card services. When I call card services, they say its an ATM issue and to enter the bank. I have been told by customer service over the phone their system shows I am trying to withdraw money, however, that is not the case. If i select deposit " check '' instead of cash, the ATM will function properly. It is only when I try to make a cash payment I receive errors, and now with no resolution for almost 4 months. The bank branch refuses to assist me and redirects me to the card service number because its " not their issue ''. I have been charged late fees and interest that I feel should not be charged as I have made more than reasonable attempts to make payment. I have spent numerous hours on the phone trying to find a solution. The only solution I am given is to pay via online, which I do not wish to do. To add insult to injury, I have received harassing calls regarding the past due status of my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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

My account been reporting as closed for XXXX XXXX from XXXX with a balance of {$830.00} which is false because the account is still open to this day. My credit dropped over XXXX points because of this. XXXX XXXX XXXX have been lying to me stating they been reporting to the credit bureau every month. Im currently on the phone as I write this. They told me they been reporting to the credit which is lying. This is XXXX! This is not fair to me when I got ta try get an apartment or car. This is criminal activity. This is unacceptable that this company allowed this to go on this long
Product: Credit reporting, credit repair services, or other personal consumer reports

A request to remove incorrect late payments on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Payday loan, title loan, or personal loan

I took out a XXXX XXXX XXXX XXXX XXXX which is a loan that offered {$750.00} up front and {$2200.00} once the loan was paid ( kept in a savings account ). Unbenownst to me, the loan was sold to another company, SST. I was sent an email from XXXX but was never able to receive any other communication from them. They were difficult to deal with and I was never able to log in to see my account or payments. I now have a 'charge off ' on my credit report and I have received absolutely nothing from them about this. 

I believe I have paid or nearly paid the {$750.00} which was loaned to me and due to their lack of correspondence or ability to validate that I have a debt with them I no longer want to continue to do business with this company and their poor business practices. They've also never sent me ANYTHING in writing regarding my debt, balance or anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit file. All credit cards were paid in full XX/XX/2020. Equifax is reporting banned on XXXX XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. Other bureaus are updated and reporting accurately. This is a violation of the FCRA and is impacting my credit score causing harm to me, in addition, equifax will not allow me to dispute on line. It tells me I have to call or mail Im. When I call, Ive waited an hour and still on hold. Mailed a letter over 30 days ago, XX/XX/2020, still no response
Product: Credit card or prepaid card

Goldman Sachs/XXXX makes you proactively go to the app or their app or website to get your statement. Because of this there is human tendency not to remember to review all the charges, especially since they push the automatic payment. 

The structure of this process works to make the consumer foot the bill for an excess of fraudulent charges, because the company does not send the statements to consumers. 

The refusal to send statements to customers is a means to lower company losses/ reduce company work on bad charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a bogus email telling me to log into my bank so they could show me negative changes on my report. But my bank said they'd never contact me for that or in that way. They're SCAMMERS!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX BANK DELAWARE XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX : Dispute of Inaccurate Credit Report XXXX Bankruptcy Filing Violation of XXXX XXXX XXXX  and the Privacy Act of XXXX Dear XXXX XXXX This letter is to formally dispute inaccurate information appearing on my credit report concerning a bankruptcy filing. I am writing pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, specifically citing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reasonable procedures to assure accuracy ), and XXXX XXXX. XXXX ( requirements on consumer reporting agencies ). I also assert my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to request the deletion of this inaccurate data, as its presence constitutes a violation of my privacy. Further, I am exercising my right under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX to opt out of the reporting of this bankruptcy information. 

My XXXX credit report incorrectly reflects a bankruptcy filing. This bankruptcy was previously removed from my report but has since been reinstated without any new information or justification for its reappearance. The reinclusion of this information is inaccurate and violates the FCRA 's requirements for accuracy and reasonable procedures to ensure accuracy. 

This inaccurate information is causing me [ Explain the harm caused by the inaccurate information, e.g., difficulty obtaining loans, rental applications, employment opportunities ]. This inaccurate reporting has caused me significant distress and emotional damages. 
I demand that you immediately investigate this matter and take the following actions : 1. **Correct the inaccurate information** : Remove the bankruptcy filing from my credit report immediately. Provide me with written confirmation of its removal.

2. **Ensure Data Compliance : ** Confirm that all future reports accurately reflect my true credit history, free from the aforementioned inaccuracies. I am formally opting out of any future reporting of this bankruptcy as allowed under XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
3. **Provide Notice : ** Issue a notice of correction to all creditors and other parties who may have been provided with this inaccurate information.

4. **Delete Data : ** I request the deletion of all data associated with the inaccurate bankruptcy filing from your systems, as per the Privacy Act of 1974. This includes any and all personally identifiable information associated with this entry. 

Furthermore, I am seeking compensation for the violations of the FCRA and the Privacy Act. I demand {$1000.00} for each violation of the FCRA, and {$500000.00} for the suffering and damages incurred, as well as the breach of my personal information. 

Failure to comply with these demands will leave me no alternative but to pursue all available legal remedies, including filing a lawsuit under the FCRA and the Privacy Act of 1974, seeking statutory damages, attorneys fees, and any other relief deemed appropriate by the court.
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX uses US Bank to send our benefits. For 11 days, I have been trying to get US Bank to update my address and send out my replacement card, valued at {$6500.00}. US Bank refuses and everyday they tell me to Call XXXX and update my address. I have sent proof in to US BAnk, and XXXX has also sent in proof that my address has been updated and yet US Bank refuses to update my address and send out my replacement card. For 11 days, US Bank tells me to call, I call XXXX, I spend hours on the phone everyday between the 2 and everyday, US Bank tells me to wait 24 hours for the update to their system, when I call back to verify, I am told XXXX hasn't updated my address yet. I have proof that XXXX has updated my address, yet US BAnk refuses to acknowledge, they just say that I need to call XXXX and tell them to update the portal for US bank. I have requested to speak to Supervisors, IT departments, anyone else that can look and see if faxes have been received from XXXX to verify my address, and yet, US Bank just repeats the same thing. They refuse to call XXXX to verify what I am saying, they refuse to hold while I call XXXX, they refuse to give me any contact information so when I call XXXX I can get them back on the line. They just keep referring me back to cardholder services XXXX number. 11 days I have spent trying to get this corrected, and I am still where I started. US Bank is holding my {$6500.00} and refusing to send it to me.
Product: Credit card or prepaid card

I applied for a  Wal-Mart c redit card through Synchrony Bank on or about  XXXX / XXXX / 2017 . The application was denied a nd one of t he reasons stated was that the  credit score o btained from  XXXX  was  XXXX . I visited the  XXXX   XXXX  site and paid {$20.00} for my score and it was  XXXX . That is a discrepancy of  XXXX  points. I immediately called  XXXX   XXXX  and they were unable to explain the discrepancy and indicated that the bank must have their own scoring system. Although this was not stated in the rejection letter. I find it curious that my husband recently applied for  a Lowe 's card  through the same bank and was approved seeing as we have been married for 23 years and hav e the same credit history. I e-mailed a complaint to Synchrony asking for an explanation as to the credit score discrepancy but have not received a reply. If the credit scores of the major credit bureaus are not actually use d by anyone I think consumers have a right to know that.
Product: Mortgage

In   XXXX  , I obtained a mortgage from  Wells Fargo to p urchase an investment property. I 've never missed a mortgage payment since. In   XXXX   XXXX  , there was fire damage to the property caused by the tenant at the time. I filed an insurance claim and received an amount that ' s 2.4 times th e mortgage I currently owe  Wells Fargo. At about the same time, I have received an offer from another investor wanting to buy the pro perty as-is, but I have a HELOC on the property as well through another financial institution that I was going to pay off using the insurance proceeds. Since the insurance check was made out to  Wells Fargo and me, I called Wells Fargo 4 TIMES in less than a week explaining that I had a   buyer lined up to buy the house as-is and would like for them to endorse the check and send back to me in time for it to clear and close by   XXXX  . Each time, the claims dept said ok. I even sent the check  Next Day mail and included a Next Day return envelope ( at my expense ) so I could get the check  back prior to my  XXXX  closing date. On  XXXX , I received the pre-paid Next Day shipping envelope I sent them but it was empty. I called on  XXXX  and only then was I told that the funds were put into escrow and paperwork sent me to detail how I was going to fix the property!!! I have now had well over  15 conversations  with different  Depts at Wells   Fargo in  less than a month, including with a  XXXX   XXXX  at thei r Executive Solutions (? ) Team but they keep asking for an insurance adjustment sheet for   repairs to the property. Last week, their collections dept even called me stating my mortgage is past due ( which means there 's a real chance my credit will be affected ) WHEN  WELLS FARGO HAS MORE THAN TWICE THE AMOUNT I OWE THEM!!! I keep telling them to deduct  the mortgage balance and send me the rest, but NO ONE seems to care ... for some insane reason! After faxing the worksheet ( which I 'm still n  ot sure why they need it as no one has explained it to me ), I am told it may take another 30+ days for the funds to be returned me!!
In my opinion, this is a blatant example of how a trillion dollar company uses their weight to crush the average person because they can. I am missing out on selling the property ; my Federal tax liability was not paid on time ( as I made plans based on them endorsing and sending me the check back ) and my credit rating may be affected as well, not to mention the emotional toll of having to deal with front line reps who are completely helpless, providing me canned/templated policy responses! On top of all this, they 're making money on my misfortune because the property is still incurring {$2.00} in interest A DAY while they hold on to the money I 'm counting on to pay them off! Should I be considering legal action instead?
Product: Student loan

Loans serviced by Navient are now handled by XXXX XXXX XXXX. XXXX has aggressively attacked me at home, work, through neighbors and people I have not had contact with in over 10 yrs. It's impossible to navigate their system in order to provide fair servicing in order to get my loans out of default. My loans are now over {$110000.00} directly related to fees making my loans more than double to originating amount. I have a 4 yr  XXXX degree that is costing far more than my salary. I refuse to work with XXXX and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to handling of student loans.
Product: Credit reporting or other personal consumer reports

This is my complaint to USCB AMERICA for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my XXXX report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Mortgage

Its hard to explain what is happening because the issue at its core is that the company is not organized, has sent misleading letters and cant process changes or payments on their website among so many other confusing business practices. 

One thing, for example : Every time you log in a window pops, asking you if " this '' is your email. The same box. Every time. Yes. My email hasnt changed. Its absurd. There should be standards that loan companies need to adhere to and I am very worried about the validity of this company. The website is glitchy and very confusing. How can a company this terribly run be handling a loan of this magnitude? 

Another problem I am facing is that for some reason my auto draft has been temporarily suspended and now It is saying that the next date of draft is XX/XX/20? I never suspended my auto draft and it shouldve drafted this month. They suspended my payment and then are saying I owe late fees as well as a " {$10.00} payment fee '' I cant get a solid answer on the website of what I owe. I really really dont trust this company.
Product: Credit card or prepaid card

Customer service are designed to make the customer mad They dont help Talking to them is like taking to a robot They charge 28 % interest Raised my minimum payment from {$25.00} to {$65.00}
Product: Credit reporting

I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while XXXX and Experian have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to Experian indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I called Experian who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX to 45 days ( although as of today it has been 48 days ). I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, XXXX and Experian refuses to make this correction within the quoted time of XXXX45 days. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!
Product: Credit reporting or other personal consumer reports

Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA.

15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX Account # XXXX ( a ) ( XXXX ) ( a ) Equifax is reporting duplicate account entries. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Product: Debt collection

Account showed up on credit report with no prior knowledge of account or actual item trying to be collected against. The collector then tried passing the debt along to husband representing as his as well with no written notice of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2019 from XXXX indicating that based on a hard inquiry, a credit report from Experian was provided on XX/XX/XXXX and used as " the terms of the credit we are offering you ''.

I want this hard inquiry removed from our credit reports ( my husband also ), as we have not applied for credit from anyone in the last two years at least.

Today, I called the telephone number on the credit report for XXXX ( XXXX ) XXXX and reached a recording stating " this is a non-working number ''.

Today, I called the number in the letter for Experian and the automated system indicated they would put a " freeze '' on my credit.

Today, I sent an online complaint to Experian indicating that I want to file a consumer report dispute.

Today, I am reaching out to you.

Additionally, two of my credit cards were cancelled and reissued on XX/XX/2019, due to suspected fraudulent activity so I am trying to cover all bases.