23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My husband and I have been having issues with our Best Buy Credit card backed by Citi bank. We have had late fees we have been trying to take care of for some time. My husband contacting Citi bank and was to be resolved per their representative. This was not the case we have received a statement in XXXX and again for XXXX with late payments. We expressed to the representative that we were paying the agreed fee and this would be done through our bank account. This conversation took place on XXXX and payment confirmation was noted from our bank on XXXX at XXXX EST. We confirmed that since it was our bank and processing would not be an issue. The representative assured us it would not be an issue. Clearly she was wrong! We have tried to contact customer service with no success ; we continue to get the run around and treated very poorly by customer service reps. We continue to state our case and what the information their employee provided us and they are not holding up thie end of the bargin and are deceptive with theie business practice. We have attempted to escalate our issues and Citi was to contact us within XXXX hr and did not. We are at our wits end and if this can happen to us how many other people is this happening to. It seems this company does not honor their word nor back what there employees state. We have asked them to review the recording and they refer us to another person. No one seemed willing to help, just worried reading a script! Hopefull you can expedite this concern and help us and any other consumers that are going through this concern. 

Out approximate loss is around XXXX. Since we have been dealing with this for sometime. Since XXXX we paid XXXX and now charged XXXX on tope of this and now they say we paid our bill incorrectly even though we verified with the representative in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX A XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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: Student loan

I never received a bill and then I got negative reports on my credit that's effecting my credit..I called FED loan servicing and they said the report couldn't be reversed and it wouldn't show on my report because its a fed loan. was told this loan was going to be deleted off my report cause school went bankrupt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Wrongful Deletion of Trade Line Experian Details : Experian erroneously deleted my XXXX XXXXXXXX XXXX trade line ( account ending in XXXX ) from my credit report. 
They claim I disputed the account, which is falseI never initiated a dispute. 
This account had a {$20000.00} credit limit, and its removal has negatively impacted my credit profile. 
I request that Experian immediately reinstate this trade line and correct my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, Onemain Financial decided to process a payment of {$300.00} on my Brightway+ card that wasn't authorized nor is the account associated with my card. The payment was processed causing my bank account to go {$370.00} in the negative creating a hardship on my family that's already struggling due to unemployability. I do not have any scheduled payments nor automatic drafts set up for this account. These said actions are deemed illegal and predatory. My debit card ending in XXXX that I always made payments with was not used. I personally turn off my card until I ger ready to make bill payments or purchase something. The company decided to use my bank account without authorization taking the info from my loan account. They took my checking account info from the loan account and used it on my Brightway account, processing payments when they want and how they want without authorization. Very unethical and unprofessional. The only Onemain account that has my bank account number for automatic payment is the loan account. 

Pay the overdraft fees and remove the checking account info for this Account
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My name is XXXX XXXX, My ssn is XXXX XXXX XXXX and my date of birth is XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXXXXXX XXXX  XXXX account # XXXX XX/XX/XXXX. Also the account # XXXX at XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Union Home Mortgage offered 3 months with no payment last year after the hurricane. We didn't pay for two months and then restarted payments. In XX/XX/XXXX & XX/XX/XXXX we paid an extra {$160.00} for a total of {$320.00}. In XX/XX/XXXX we received an annual escrow account statement that showed we were due a refund of {$1900.00} for overpayment of escrow but " due to delinquent status ... we will retain your surplus. '' We called Union Home Mortgage numerous times to ask that the surplus they we holding please be applied to to what we owed. We talked to first one person and then another with no answers. One person even suggested this money was put back in our escrow to which I asked why, as it was not needed there. No one can give me any answers, however, they are going to start foreclosure XX/XX/XXXX. This company has offices all over the place and 5 addresses that show up on our statements. It is impossible to ever speak to the proper person. They transfer from one to another and NEVER TO THE RIGHT PERSON.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card

Took out XXXX visa card for airline points on trips to XXXX XXXX issued by US Bank and points were from XXXX but they have since merged with XXXX XXXX .Folks I talked to with the bank never heard of XXXX XXXX I had been saving my points for the last 3 years and had accumulated over XXXX with the requirement ( from their website ) of only XXXX for XXXX ticket. I then tried to get into their website furnishing my info of passport and personal info to no avail then was given a surefire password that still did not let me into the website as usual, this is the most mismanaged company I have ever seen. We can do some of these things for you but you must pay a fee. Could never talk to anyone who could schedule my trip or get me onto the website where I could schedule it. When I asked who gave the 25 % discount given on first trip useage, no one seemed to know and it is plainly stated in the bank 's advertising. 
What I want is a plane ticket from XXXX ( round trip ) to XXXX XXXX based on the kilometers I had prior to XXXX XXXX, 2017 as I had earned it under the US Bank XXXX visa card. I will not do business with this bank again!!!!! My Bank account # is listed as XXXX XXXX XXXX and XXXX XXXX XXXX with a XXXX number of XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Avant , LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Avant credit card company needs to be sued for un professional practices. 
My accounts been closed for over a year. Ending balance was XXXX I owed when i closed my account. I've been making monthly payment on this for XXXX dollars a month on on time. They wait till I owe XXXX dollars left then start having problems with there website or cant get a hold of nobody. reporting late payments on my report. 
This account is closed and Im still getting high interest charges on a closed account every month. I will be looking into legal Counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. HSBC sent a 14 page cover -XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were XXXX.
Product: Checking or savings account

Several months ago I contacted USAA as I was shopping around for different car/home insurance bundled rates. I decided not to purchase their product. Yesterday, I received notification that my profile phone number and email had changed. I have not logged on to a USAA site for XXXX months. Then, I started getting email bombed and received an alert that a hard inquiry has been run for a USAA savings account. After taking most of my workday to try to stop the bleeding, contact credit bureaus, try to route spam emails, etc., USAA has still failed to acknowledge my problem or help to resolve it. XXXX team member referred me to an incorrect website to verify my identify and I received a call back that they got my ID but I now have to send it to a different website. After doing much research, this is not an uncommon scenario for USAA. Now, my children ages XXXX and XXXX might be at risk as well, and I will have to further go down the rabbit hold myself, while I still wait for action from USAA. I have already spent countless hours in the past XXXX including not being able to sleep as I watch suspicious emails load up in my account and wonder what else is being done to damage my identity.
Product: Debt collection

A 'stop-call ' letter was provided to the debt collector, but they continue to call.
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX APPLE CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX loan should be updated as closed and paid off. Document as proof attach
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau 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 Equifax RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

I took out a private student loan for {$5000.00} with a variable rate in XXXX XXXX, and deferred it until XXXX. I was then told that the balance at that point was {$7900.00}. I toke another deferment for about XXXX-6 months ( which was falsely reported to the credit bureau as late ). However, my complaint is that I have paid {$8300.00} ( not including this months payment ), and Well Fargo still claims that I owe {$4500.00} ( not including the payment I made this month. I tried to refinance this loan in XXXX of XXXX, and they refused to let me do-so stating that my credit was not up to par. I feel like Well Fargo is practicing predatory lending regarding this account, because each time I make a payment the balance seems to stand still or goes higher. Please help me! I feel like I will be paying them for eternity ...