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

I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!
Product: Credit card or prepaid card

Dear Sir/Madam. 

On XX/XX/2020 I applied to Citi Bank for a Citi XXXX XXXX Mastercard account, I was denied. The same day they emailed me a letter for the reason, most notably to me was the information was wrong. Their practices are misleading and deceptive, it is obvious in the letter they sent and what XXXX   shows. 

First they said my credit score is XXXX with XXXX and that is not the case at the time of Citi hard credit pull it was XXXX, it is now XXXX because of their pull. 

Citi says I have too many credit inquiries, I have on record two with XXXX one is two years old and the other one is theirs. 

These are totally inaccurate almost if not discriminatory in nature, I checked my credit report immediately upon receiving the citi email XX/XX/2020 I checked my credit score with XXXX and their score for me based on the same date XX/XX/2020 was XXXX as you can see the file I have attached. 

Had Citi informed me that they use old credit agencies reports I may have done things differently thus would not have a hard pull on my file. 

The phone number they gave in the letter to me is only an automated system noway to address any question to a person as stated in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Cashapp/Visa purchase protection transaction dispute process does not help or protect my transactions or purchases it is very difficult to get in touch wit customer service or anyone to help and the amount of time it takes cash app to review allows for the merchant to steal money. 

In XXXX I made purchase from a overseas merchant for 3 pairs of leather boots, after 1 month of not receiving the products I purchased I contacted cash app to file a dispute my dispute was denied the merchant sent me plastic boots not what I ordered I contacted cash app to file another dispute since I had not received the products I ordered the claim was again denied I was defrauded out of {$220.00} due to cash app negligence XX/XX/XXXX I purchased 150 shoe boxes from an overseas merchant with adds from XXXX the 100 shoes Boxes were in sale for XXXX I paid using cash app. I was to receive the good by XX/XX/XXXX. on XX/XX/XXXX I did not receive the goods and I tried to contact the merchant and did not receive any response I contacted the merchant over 6 times. the merchant provided fake tracking with USPS I tracked the shipment and USPS does not have this tracking # in their system. I filed a dispute with cash app. the claim was denied cash app customer service has not provided any details on both occasions why the claim was denied I asked what is the bases have they received a response from the merchants. Cashapp provided no information. I was defrauded XXXX this total over XXXX I have lost due to cash app failure to provide transaction and purchase protection while using their card according to the card holder agreement. 

This merchant is advertising on XXXX
Product: Checking or savings account

I have chime bank and I had XXXX transactions totaling XXXX unauthorized from my debit card so I locked the card on the app and called chime member services to report the unauthorized charges and they said my card was compromised and that they was issuing a new one in XXXX to 7 days I received a new card on Tuesday XX/XX/XXXX I called and reported it on Sunday the XXXX they priority ups next day aired my new card and told me that the transactions were pending and I needed to wait until the account settled to make a dispute so I wait until Tuesday the the XXXX they settled I started the dispute against the charges and XXXX hours later they send me a denied email saying no error occurred and that they stand by their decision and consider the matter closed so I called back to talk to the dispute team and they said file a rebuttal so I did and submitted screen shots only to get another email the same as the last saying they stand by their decision so I filed yet another rebuttal and submitted several screenshots and was emailed the same message again so basically they don't want to give me any of the money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX  XXXX Balance Owed : {$1400.00}
Product: Student loan

I've emailed on XX/XX/XXXX because I had a surplus on my loan. I wanted XXXX XXXX to send the surplus back so I was not charged interest for that portion of the loan. I got a strange email back on XXXX that had nothing to do with my question. I emailed again on XXXX to let them know that was not my question and asked again. I received an automated " thank you for your email but we are receiving an unprecedented amount of emails ... '' email back. On XXXX, they sent me another strange email about forbearance which had nothing to do with my question and I am not in forbearance. On XX/XX/XXXX, I emailed again after trying to chat with their " live chat '' which is an automated bot that is not helpful. I got the automated emailed. Today, on XXXX, I tried to call them, currently, I have been on hold for 2 hours and 24 minutes with no human being anywhere in sight. I tried to email again but the email is a no reply email address. There should be laws to protect borrowers from this type of treatment. It should not be this hard to get information on my loan. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. REMOVE INSTEAD ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a serious problem with Experian. I disputed with Experian that the XXXX  XXXX XXXX account number XXXX was not reporting accurately on my credit report. They then sent me a credit report stating that this account went into a charged off status in XXXX XXXXand I disputed that. Today XX/XX/XXXX I got an email that they had updated my account and that the account went into a charged off status in XX/XX/XXXX and this is false as we were disputing this account before XX/XX/XXXX. Once again no investigation was done on the matter but Experian only placed what it wants to place on the credit report. I submitted to Experian for there method of verification as it pertains to this account and they got my request on XX/XX/XXXX and to this date almost 2 months later they have failed to provide me with the method of verification which is my right under the Fair Credit Reporting ACT but is just telling me that the account is been reported accurately and this is a clear FCRA violation. 
On the credit report there is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. So, where is that information? How can we know if this account ever went into a charged off status without that information. The account is been reported as paid in full so when was that payment made and why is not listed on the account payment information? The account and payment information is missing, incomplete and inaccurate and the Fair Credit Reporting Act states that if information on a credit report is missing and incomplete then the item should be deleted from the credit report.
Product: Debt collection

Nissan Motor Acceptance XXXX charged off my auto loan after they told me that I could voluntarily surrender my automobile in 2015 and I wouldn't owe anything but the three months late payments. They have continued to harass me about paying the outstanding loan of the car after several years of disputes about the amount being incorrect. I did pay a company a XXXX dollars toward the outstanding amount for the three months of late payments but now, this new company XXXX XXXX was sold my file and it seems illegal that Nissan Motor Acceptance charged off my debt and received compensation by way of taxes, and now, according to the fair credit reporting act are required to drop this from my credit report. I also noted that XXXX XXXX XXXX sent me their notification from an address associated with an address as part of an FTC lawsuit XXXX. The address on the mailer is XXXX XXXX XXXX XXXX NY and I suspect they are trying to illegally apprehend money from me that they are not entitled to receive.
Product: Debt collection

XX/XX/2017 {$1100.00} reported negatively on my credit profile from a company I never did business with or ever had a contract with.
Product: Mortgage

Received a letter in the mail because our loan was sold for the 2nd time ( 3 mortgage lenders so far ) 13 days before payment is due. We are only into our 4th month of being homeowners. 

But I have yet to receive info on how to pay my mortgage payment via this nee company and I can not access my account threw them because it doesn't exist yet. 

Old mortgage lender was Rushmore new is XXXX. 

New lender starts XX/XX/2019, today is XX/XX/XXXX. 

Still no information on the lender or how to pay my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you very much. 
I wrote the attached letter to Experian over a month ago and did not receive an answer. 
The only thing I received was an emailed copy of Experians routine dispute form. Report # XXXX with the middle name correct this time. 
The issue I raised with them may be related to problems I have encountered with ordinary transactions ( not credit ; I dont borrow ) even though my credit score is between XXXX in the past few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint XXXX XXXX approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and XXXX to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact XXXX. When I contact XXXX, XXXX tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the XXXX credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from XXXX showing the loans should be removed. 

I have uploaded the original complaint, the letter from XXXX, and the response from one of the credit agencies.
Product: Credit card

This is actually a follow-up to a CFPB claim with reference number XXXX. I was n't able to respond to it online, so I 'm filing a separate claim. Please, read it in its entirety before sending me a template response, thank you. I 'll let you look up the specifics of the original complaint, so let me address your response letter I just got in the mail. 
In the letter you are telling me that my XXXX points were not available at the time of conversion. 
This is incorrect because they were available for redemption or mileage transfers, so how could they be simultaneously pending? I 'm attaching a screenshot that shows XXXX were EARNED. That 's similar to saying that a person is still pregnant after giving birth. 
The bonus is listed in " earned '' category, nothing pending about that. When I logged in prior to this debacle, my account showed XXXX points and underneath of it it clearly said " available. '' You ca n't have points available and pending at the same time. It 's a contradiction. 
You are also telling me that the CSR was referring to my earned points, not the bonus, since unbeknownst to me and I 'm guessing him too, the bonus points were under review. This is ridiculous on so many levels. Surely, any well-trained CSR would mention to the customer a " small '' issue of losing XXXX points if they go ahead with the conversion. Are you telling me it 's a conspiracy and you wanted me to lose the points? 
By that logic, the clawback should be in " pending '' status as well, and you should let me upgrade back to Platinum product. It 's only fair. 
I will be more than happy if you convert XXXX card back to Platinum and charge me the annual fee again as long as my XXXX points get reinstated. If you fail to do so, I plan on filing a small claim to seek damages. Be aware, I plan on demanding compensation for my time as well. I 'm also thinking about pursuing arbitration. Make no mistake about it, I 'm not planning to let this issue drop. I 'm hoping you can reinstate the points, so we can move on from this ordeal. It 's up to you now to resolve this issue without going to court. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself
Product: Credit card or prepaid card

I made a purchase on XXXX  marketplace XX/XX/24 for {$2000.00} and {$640.00} ... .I never got my order from the seller, paid with XXXX via XXXX XXXX I submitted all my documentation to the credit card company and they sided with XXXX  ... .saying I violated some term, which isn't the case... .the seller of the items who is a scammer is the one who violated the terms. I have buyer coverage and protection on my credit card and they are not honoring it.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 

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

ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.
Product: Credit card or prepaid card

There have now been multiple times I send my payment on time, then I have a late fee posted and my payment is not posted until 72 hours later. 

I have had to watch my statements and call in SEVERAL times to their customer service line to have them fix the issue. In the past they have waived it but theyre now claiming they unable to. They are instructing you to pay the bill 7 days early, effectively making the due date of the payment earlier than it is. I have mailed my payments prior to the due date every-time but they wait to process the payment until after the due date and want me to be responsible for their inability to do their job in a timely manner. 

I find their delays in processing the payments intentional and predatory since they offer the financing interest free they need to scrap up fees in this way.
Product: Credit reporting or other personal consumer reports

Since last year of 2023 this only account which is not reporting on XXXX, XXXX I've dispute certain information present on my credit report provided by Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into the discrepancies and the immediate correction of the inaccurate information. 

Upon reviewing my credit report obtained from Experian, I have identified several inaccuracies that are of significant concern. These inaccuracies are not only damaging to my creditworthiness but also constitute violations of federal laws designed to protect consumers ' rights and ensure the accuracy of credit reporting.

Under 15 U.S.C. 1681i ( 7 ), Experian is required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Furthermore, the inclusion of inaccurate information, such as [ Dept Of Education XXXX ], violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. 

Moreover, the inaccuracies on my credit report may also constitute violations of 18 U.S.C. 242, which prohibits deprivation of rights under color of law, as well as 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information. I am enclosing copies of documents that support my claims and aid in the investigation. 
I request that Experian conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify the inaccuracies promptly. Additionally, please provide me with written notification of the results of the investigation and any actions taken as a result. Furthermore, as per federal law, I request an updated copy of my credit report reflecting the corrections made after the completion of the investigation. 

Failure to adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law. 
I expect a swift resolution and the accurate representation of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home to a buyer on XXXX or XX/XX/2020, and the mortgage company Well Fargo is reporting that we foreclosed on the home, then Wells Fargo put this incorrect and inaccurate information me and my spouse 's credit report, according to the XXXX XXXX report. This incorrect and inaccurate information is preventing us from getting another Home Loan with several companies waiting for this information to be removed. We have already lost two or three homes we were interested in purchasing, but Wells Fargo 's incorrect and inaccurate information continues to impact and hinder this process. 

We have all the documents and forward them to Wells Fargo, but it appears the left-hand does not what the right hand is doing. In fact, we were told by a loan officer that Wells Fargo did not know the loan was paid in full. This only requires checking the acct. number, unless their XXXX  system is not providing the correct about home Mortage accounts. I don't buy it! This is a dishonest practice by this company and I am almost sure they are doing this to many other homes mortgaged accounts with Wells Fargo. 

We have provided them with all the documents, yet they prefer to do nothing. 
Please us get this resolved as soon as possible. I will be reaching out to my personal lawyer as early as next week!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a dispute with the credit bureaus XXXX, Equifax and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$130000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.