23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Three interactions with citi cards customer service : XX/XX/XXXX : Called to ask why I had not received a replacement card for a Double Cash credit card expiring XX/XX/XXXX. I was told that the account was under review, but was unable to be connected to a supervisor due to high call volume. Was ultimately told to try calling back at midnight or early in the morning, both not feasible given my work schedule and household duties. Was told the line was 24 hours, but when I called back later that week at XXXX on a friday got a message that lines were closed and I should call back during Monday-Friday business hours. 

XXXX : Finally able to take the time to call back and follow up. Was connected to a supervisor who was able to confirm that the account was under review, told me I should have received a letter a month prior ( never received ). The supervisor helped me to submit a request that they reconsider the decision to not renew my credit card, as I need access to this line of credit. My credit score is not great, I am working to repair it after COVID-related financial difficulties ( thus wanting access to this line of credit ), and I was NOT told that the request for reconsideration would involve a credit check, which further lowered my score. Had I known that, I would not have bothered with the request. I was told that I would receive a letter by the end of the week with more information about their final decision. 

XX/XX/XXXX : I did not receive any letter, so followed up a third time to try to resolve and get some transparency around what is happening. I was connected to an extremely rude agent who interrupted and spoke condescendingly to me. He told me a letter was sent out on XXXX, which I did not receive, and he told me I should be able to see the letter online but was unable to confirm where ( I am still not able to find it ). He finally offered to connect me to their IT department to help me find the letter online, but I was disconnected.

I have spent over three hours on customer service just trying to understand what is happening with my credit card. They perhaps did send out the letters and other requisite communications on their end but I have yet to receive anything. At this point I do not need this card reopened, that would be great but I do not trust their customer service to handle things correctly. I just want the letter from them that details why the request to keep my card open was denied, so that I can work on those issues for future credit card and financial product applications going forward. I am a working mother and do not have time to waste being passed around customer service with no resolution. Ultimately, while it is their prerogative to not renew my credit card, it IS their responsibility to communicate their decision with me and not only did they fail to do so, they failed repeatedly after multiple followup attempts on my end.
Product: Credit card

On XXXX XXXX I received a fax through my job fax machine it was for a vacation package and it stated it was through XXXX and it was also from my HR department. So I called the XXXX number on the flyer I asked them in a ton of questions I also asked if he was XXXX he told me yes he was XXXX after speaking with the man I felt comfortable I gave him my credit card over the phone I asked for confirmation he said once I sign my credit card slip I will receive my vouchers and my confirmation and all the links to pick my hotels. So i esigned the credit card statement then I got my vouchers and I also got my emails I clicked on the link when I got home and something did n't seem right I did a lot of investigating and I found out that they have reports that this was a scam I look them up and sure enough they were on the scam list I called them back the next morning and I told them that this was a scam and they hung up the phone on me, I then called back and tried to cancel they said I could not cancel my vacation package because it was Final sale. I called my credit card company Capital One they told me not to worry that they will get my money back and I will not be responsible for this they did an investigation and then I received a call that the investigation was closed and they could not retrieve my money back. After they called me and told me that I ca n't receive my money back, i called again and I told them to call on three-way with me to show them that this is a scam they said they did n't receive enough documentation but I told them that I did n't receive any documentation from the vacation all I had was what I sent them. So the people from Capital One called the vacation place, XXXX with me on 3 way she then told them that she knew this was a scam and that I need to get my money back they told her no they freaked out on her and hung the phone up on her Capital One has all that on recording and they still do n't want to pay me my money back. They told me they have to follow procedures but how can they follow procedures when they clearly heard that it was scam them self. Please do n't ever try to get a vacation package through American vacations and also be careful what Capital One tells you because they do n't really back you up
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  when all of these accounts were open and I called to attempt to explain that to every company listed along with proof, matters were not taken care of.
Product: Credit card or prepaid card

I called the JP Morgan bank and the regular staff have no information on my account - at all, and the same amount that I won in the dispute -the {$630.00} is put on the recording as I owe it, or it becomes a credit. Something different everyday-this bank has been stealing funds from me ever since 2017 and I asked them to refund the payments, and then the recording stated that I had XXXX in credits. That is about right, so recording or not I would like the XXXX refunded to asap. I do believe that FEMA is in on the crime, because I was telling my boss about it and then my I phone went out -that FEMA gave me. I request that JP Morgan give me my XXXX and then they can close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing XXXX and XXXX harm to US becuase my wife had to give up her job to become a permanent, full time XXXX  for me because I developed a XXXX XXXX due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX  XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a XXXX XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to XXXX, XXXX and demanded the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. Is reporting a bankruptcy on my credit report, i XXXX XXXX XXXX HAVE NEVER FILED BANKRUPTCY IN THE STATE OF ALABAME NOR ANY OTHER STATE, I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, THE OTHER TWO CREDIT BUREAUS, XXXX XXXX OR XXXX  HAS REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT. I HAVE SENT THEM DOCUMENTS FROM THE COURTS STATING THAT THEY DO NOT REPORT TO THE CREDIT BUREAUS. I HAVE CONTACTED XXXX XXXX AND XXXX I HAVE NEVER HAD ACCOUNTS WOTH THOSE COMPANIES THEY HAVE NO VERIFICATION OF WHERE I HAD A BANKRUPTCY ON MY CREDIT REPORT. PLEASE REMOVER THE BANKRUPTCY IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

The collection agency must update the information because I got approved financial assistance ( waived fees ) for the services provided. See attached letter from the hospital and letter from collection agency. This companies are never available to pick up the phone and they never sent me a bill before sending me to collection. The hospital is very disorganized with billing and is known that they overcharge patients with medical insurance. There is someone I know that have paid hundreds for a service that she got 2 years ago. Although she has insurance that is accepted by the hospital and for which she pay a high amount for that insurance the hospital has a really poor quality employees in billing department. They seemed to be prejudiced and bigoted and they judge people by race. I was denied a service recently because the billing assistant thought I didnt deserve to receive medical assistance for having an accent. Twice they have asked me to leave a fee in cash for any amount for services.
Product: Credit reporting or other personal consumer reports

Ive already reported this company once and I submitted to them the requested information INCLUDING the police report stating I am a victim of identity theft. Still no word from Capital One 1 month later. I mailed all documents including the police report on XX/XX/XXXX. Please request to remove this inquiry Ive had over XXXX fraudulent inquiries since my identity was stolen and I have been able to get all removed except Capital One. This is not right or fair and it is a violation of my rights under the Fair Credit Reporting Act.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Wells Fargo for similar practices, where transactions settled with insufficient balances Despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have tried disputing this with Equifax, XXXX, and XXXX  for years. I have never opened an apartment in the name XXXX XXXX. I was never old enough to have an apartment in my maiden name. I didn't move out til I was married and my name on my first home was XXXX XXXX. I haven't lived in XXXX XXXX XXXX. Look at my past addresses on my report!! I have no clue what this is. I have really started trying to fix my credit. I have absolutely no other collections. I am usually not late on anything. It's the only collection that I have had. Because it isn't mine! I have certified mailed multiple letters to the credit bureaus asking for them to investigate. All that they do is send me a statement saying it was verified and I owe the money. It is my legal right to request the documents that they used to verify this debt. I have NOT gotten anything from the bureaus or from the collection company verifying this debt. I have never seen my signature on anything. I have begged and begged these companies to fix this. And they just keep coming back as verified. Without sending me proof! All that they do is send me a letter saying it's verified. And they are also reporting different information. I printed out all 3 credit reports and I circled where each bureau is reporting different information. And they still are reporting different information. This collection company keeps changing the amount of money owed too! They will report that I paid {$13.00} and then the next month add on {$13.00} and the next month say I paid {$13.00} and it goes back and forth because the collection agency knows what they are doing! I never paid anything because I do not owe them anything i do not know this apartment or the company! They are trying to keep saying i paid/owe more money each month so that my credit score can fluctuate. And the credit bureaus allow this! I will attach the letters that i have sent to the bureaus regarding this same issue over the last year. One bureau ( XXXX ) says that this collection is closed. And my credit report says i have 0 collections. But then XXXX  and Equifax has these accounts opened and are reporting either that I paid or owe more money each month. If I am allegedly paying {$13.00} one month and then owing {$13.00} the next month with equifax then how come the same isn't being reported to XXXX ( because they closed the collection on that credit report ) and XXXX doesn't report this back and forth {$13.00} charge. The bureaus even have different charge off dates for this account. I thought legally, per the FCRA, that they all had to report the same exact information to legally put it on my credit report. And if they don't then they have to legally delete this from my report? Why are laws not being followed? I sited many of these in the letters that I sent to them. I have attached the two letters I sent requesting documents and stating laws they have to follow. I have also attached the receipts where they have received these letters.
Product: Credit card

About two years ago I had a Capital One credit card. I would use it and pay it off. At one point they held my payment because the felt it was suspicious and so I had funds in limbo for about a week. 

This, of course, made me angry because nobody could give me a valid reason. It seemed you get in trouble for not paying your bill and now you get in trouble for paying your bill. So the discussion got heated and they closed my credit and my checking account. 

I just applied again snd received the card Ive used it snd paid it off again. I just got a letter via XXXX stating theyve closed that account again. 

Obviously I was approved and, like I said, Ive been using it. Until now. 

I guess Im not sure that a credit card company can take things personally like that and deny somebody a card if they qualify.
Product: Credit reporting or other personal consumer reports

I did not give these companies listed above my written consent to conduct credit check. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I noticed a special invitation from Capital One Bank to check if I am pre-approved with no credit score impact. It clearly stated if I checked, it will not affect my credit. Then I clicked the link and entered all my information and I got the message Well done XXXX, Your credit qualified you for multiple cards. It means I am pre-approved and I must get the credit card, If I apply ( I am attaching copies of all the invitations which states no impact on my credit and also my pre -approval ). 

Thinking that Capital one is a trustworthy Bank, I applied for the credit card and I got the denial letter even though my credit score is XXXX. All the reasons mentioned in the letter are false. Also I got the email that you have inquired about my credit. Attaching copies of that too. 

I request you to please intervene in this and check why they pre-approved me if I am not eligible to get the credit card. Could you please ask them to remove the credit inquiry from my account. 

If I can not trust Capital One Bank then how I can deposit my big amounts with Capital One Bank. Before approaching XXXX please give me the valid reason for the credit denial and if it is by mistake tell them to issue me the credit card and otherwise remove the inquiry from my file. Also please tell them not to send these type of phishing emails
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained it all in the previous box for what happened and how you are giving misinformation to companies about my XXXX personal credit that is absolutely incorrect.
Product: Credit card or prepaid card

I have a Bank of America credit card that was copied in some way and used in multiple locations, counties and cities. The charges were for large amounts and if you look at my spending history, I do NOT spend money like this. The charges also took place while I was teaching high school and I can verify that I was at work. 

I have called the Bank, opened XXXX claims and both times were denied stating that I either used my chip, signed for the merchandice, or a pin was used. 

On XXXX and XXXX the person went all the way to XXXX and then to XXXX and then to XXXX spending money. On the XXXX I was teaching in my classroom. This is either a person who made copies of my card or decided to travel all over in a day. 

On XX/XX/22 the person went to a XXXX store in XXXX which at that time I was teaching high school. XXXX is an XXXX drive from where I live and I have never stepped foot inside this store. 

Two of the places that were charged included XXXX XXXX and XXXX. I have credit cards for both department stores and get rewards when I use my card there. I also only shop online at those stores. The amount spend at XXXX on XX/XX/XXXX was {$530.00}. If I were to spend that much money I would have used my XXXX card. The same day the person went to XXXX twice and spent {$200.00} and then {$190.00}. I was never notified that XXXX was spent all at once. 

There are also a variety of small charges to food places and a storage unit. I tried calling all of these places and did not have luck because they do not have video footage. 

Now I am spending my free time, working with police, stores, and paying huge late fee 's as well as interest charges because B of A will not reverse anything.
Product: Checking or savings account

My accounts were with Wells Fargo for XXXX  years. I had bill payments set up and they sent them several weeks prior to my request. This was not authorized by me. I asked why and they gaslit me and were evasive and never gave a response. Then they shut my debit card without notice causing a lot of stress. I asked repeatedly and again they were evasive and gaslighting. They seem to enjoy being rude. Seems like they dont have any regard for their customers as can be shown by the many class action lawsuits against them. Ive slowly been closing and limiting my account with Wells Fargo due to far too many bad business practices I have seen them do. I kept XXXX account open minimum funds. Accidentally a bill pay which I forgot to switch over to a new bank and account went to Wells Fargo. That transaction put my account at XXXX dollars. The next day XX/XX/24 I initiated a transfer from a current bank in the of {$190.00} to cover that and to put some extra into this we account. While waiting for this to post I got an overdraft fee of XXXX then the next day another overdraft fee because again a bill that went to wf in the amount of XXXX. Wells Fargo still hadnt posted the funds ( XXXX. ) I had transferred in to cover the XXXX charges of {$54.00} and {$7.00} So there were now to exubrante overdraft fees if {$35.00} each posted. Wells Fargo seems to have selective posting. They repeatedly show shady practices. I contacted them however the customer service people were rude and annoying. They seem to breed a culture of gaslighting and annoying customers. They would not assist. They said that the automated system said I had an overdraft fee reversed several months ago. I closed my accounts at that time and the remaining account was at minimum funds. Every opportunity they get to swindle customers they certainly do, seems like they are set up to do harm to consumers and steal from them. This is horrible
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on