23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This company is reporting inaccurate payment history. Prior to my last complaint they were reporting the account open also when it has been closed since XXXX of XXXX. 

I requested that this account be closed in XXXX of XXXX due to some fraud payments on the account. With the request for closing I mailed in a payment directly to the company, That they reported late. when inquiring about the late payment I was told by a rep it doesn't matter when the payment is received ( date ) but it could take up to many days for it to be processed etc. and it was nothing they could do -- this was the first missed payment reported incorrectly There after I was offered a settlement for the account. I am being told that the settlement included the disclosure that the account could continue to be reported inaccurately etc. Firstly, I don't recall that XXXX all and have not been provided with any proof of this. Secondly, that is against the law. all info must be reporting accurately. I have made onetime payments to this company as agreed in the settlement and they continue to report negatively. 


I do not agree with this. And will continue to request that things be updated properly or deleted from my report. there is no way payment is 60 days pass due when I have made onetime payments the pass 60 days.
Product: Credit card or prepaid card

On XX/XX/XXXX we did a balance transfer from a Capital One acct ending in XXXX to a XXXX XXXX cc. Capital one put the money in an account that has been closed since XXXX ending in XXXX. After hours on the phone with them they finally discovered their mistake and moved the money from the closed account ( XXXX ) to the account where it was supposed to have gone ( XXXX ). I received a confirmation email from capital one on XX/XX/XXXX. 
On XX/XX/XXXX I received an email from capital one stating I have an overdue balance of over {$5400.00} on the account that had been closed in XXXX ending in ( XXXX ). When I called capital One a woman named XXXX license XXXX stated that despite me being an authorized user on the old closed account ( XXXX ) she would still need to speak with my husband before correcting their mistake. She did acknowledge it was a mistake on their part, she did acknowledge that its inaccurately on our credit reports ( both mine and my husbands ), she did acknowledge that my husband and I called them together in XXXX to correct their original mistake. Despite all of this she will not correct the mistake on their end and mentioned that it was accruing interest every day ( on a balance that was a credit not a debt ) and thats why the balance went from a little over {$4700.00}, which should have been a credit due to balance transfer, to a debt of over {$5400.00}. 
Problem is, which I explain to her, my husband has been working out of town and wont be back until XX/XX/XXXX. Hes in a part of the desert with no reception. He has a satellite text feature but no phone service. When I explain that this was dragging our credit rating into the sewer she said theres nothing she can do. I asked to speak with a supervisor and she said she was the highest person available by phone at all of capital one. 
My complaint is that my, and my husbands, credit is impacted by their mistake, again, and they are not willing to correct it. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am relatively new to the game of credit. However, my credit has been negatively impacted due to a hard inquiry that came as a result of requesting to finance a laptop from XXXX. I should have thought a little bit harder ahead of time, but I assumed the financing would work similarly to the way consumers essentially finance expensive smart phones on their cellular plans. The financing plan would have been through Barclays Bank XXXX this is who the hard inquiry came through, of course ). I was not even certain that I would purchase the computer, but due to the verbiage on the XXXX website ( XXXX ), it seemed as though I would be able to check out my options ( which is why I requested the terms of the requested financing be sent to me - attached in a screenshot ) ; would I be able to jump on a payment plan, would I have to pay up front, etc.. While I do not believe I have too many factors on my credit, one thing I do know is that when I sign up for something, if any money is owed, it is paid. Since graduating college, I have had no goal other than to keep a healthy credit score. I know the impact is not out of this world, but I 've worked hard over the past 15 or so months to ensure a positive progression with my credit. I understand, technically a request was made in the end of the day, however, I did not intend on filing a formal request for a credit card. I just received my first credit card!
Product: Student loan

I have not received updated payment information since my consolidation and my PSLF tracker is incorrect since XX/XX/2022. No updates have been made on my account. After a few times of reaching out to get information on when my account will be updated, they keep saying I have to wait.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AZ XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint against Citibank - XXXX to Access Account Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their failure XXXX provide me access to my account, which contains a significant balance of approximately {$30000.00}. 

I have been a Citibank customer for over a decade, but have lived outside the United States for the past 10 years. Upon my return to the XXXX, I have encountered persistent difficulties in accessing my account : XXXX. In XX/XX/XXXX, I attempted to access my account online but was unable to do so due to forgotten credentials. 

XXXX. On XX/XX/XXXX, I visited a Citibank branch in New York. I met with a representative named XXXX XXXX, who updated my information in their system and spoke with the fraud department to verify my identity. I provided my debit card and passport as identification. 

XXXX. Despite this in-person verification, I remain unable to access my account. 

XXXX. I have updated my XXXX information with my married name, new address, and new phone number. I have also updated my records with the Department XXXX XXXX XXXX. 

5. I have made numerous attempts ( approximately 10 ) to contact Citibank 's fraud department. They consistently ask for a phone number associated with the account, which I can not provide as it's from over 10 years ago. When I explain my situation, they refuse to help and terminate the call.

6. I have requested alternative methods to verify my identity, such as using my SSN or passport, but these requests have been ignored.

7. I have filed online complaints and even received a call from a Citigroup representative, but they were unable to assist me.

XXXX. There are no Citibank branches in Arizona where I currently reside, making it impossible for me to resolve this in person without significant travel. 

This situation has caused me considerable stress and inconvenience. I am unable to access my own funds, which amount to a significant sum of {$30000.00}. I have been diligent in my attempts to resolve this issue directly with Citibank, but their lack of flexibility and customer service has left me with no choice but to seek external assistance. 

I kindly request the CFPB to intervene and mediate this situation with Citibank. My desired outcome is to regain full access to my account and funds. I ask that this matter be resolved within 5 business days given the urgency of the situation and the amount of money involved. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

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

Prior to this incident my credit score was a XXXX. I have never been late with any creditor. I have been a long standing customer with Bank of America ( BOA ) since XX/XX/XXXX. I have not used my BOA credit card or have not logged into their website since XXXX timeframe given I do not actively use this card. Furthermore, I requested a BOA replacement card in the mail back in XXXX since it was lost. Since I do not actively use the card I was unaware a outside company could charge my account. A charge was placed on my account unbeknownst to me for {$180.00}. BOA sent letter to my home address mid XXXX which I received on Thursday, XX/XX/XXXX, about the charge and I immediately paid that same day as a result of that letter. There was no prior letter sent to my home or courtesy call made by BOA. The physical card was not used for this transaction and appears to be a yearly charge for supplemental water/sewer line insurance ( XXXX XXXX reference XXXX XXXX and XXXX ). I called this company and told them they do not have authorization to auto charge my account. 

Additionally, on XX/XX/XXXX, I immediately called and spoke to BOA customer service representative who informed me there was no credit late reporting and as soon as the payment posted, they would waive the late fee. BOA XXXX also did not show credit was impacted at this time. The associate informed me to wait 5 days to show it was reflected on my account. I then proceeded to call back on Monday, XX/XX/XXXX, and spoke to another representative who informed me the prior representative never processed my request and did nothing with it. The new representative then proceeded to fix the account on my behalf and late fees were removed. 

On XX/XX/XXXX, BOA XXXX then showed a credit hit ( which it previously did not ) and that my score that was at XXXX had now dropped a XXXX points. I proceeded to call BOA again on XX/XX/XXXX, waited on hold for XXXX minutes, and spoke to a new representative who submitted a request to correct my credit which did not contain all the details listed above. I did not trust this process given the above inconsistencies, therefore, I reached out to BOA via their XXXX XXXX because I wanted to send a formal letter myself to dispute the late credit reporting to give all the details. BOA gave me an address to send a formal notice to XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The letter i mailed just came back on XX/XX/XXXX stating " not delivered as addressed- unable to forward ''. I also got letter from BOA saying they would not correct my credit since they do not have all the details. I reached out again to BOA for the correct mailing address and they said someone would be in contact with my on XX/XX/XXXX and still have not heard from them. 

I am filing a formal complaint with CFPB to get this remediated once and for all given I can not tolerate the inconsistent handling and misinformation from BOA any longer.
Product: Credit card

Chase credit card offered 10 % back on purchases from XXXX XXXX or XXXX of upto {$500.00} purchases within a predetermined time. A purchase of {$500.00} and no credit was applied and account shows that the promotion was not redeemed though all requirements were met. Called chase for clarification on theissue and was told that it appeared that all requirements were met and they did not know why credit was not applied. They informed me that promotions were collaborations between chase and merchants and would need to look into the matter further, when pressed on when the matter would be resolved they did not provide a time frame and when asked for charge from merchant to be deferred till the matter was resolved they refused.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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: Mortgage

I have a negatively amortizing adjustable rate mortgage that I 've had since 2007. Since my loan, originally with XXXX XXXX XXXX, has been transferred to Nationstar, they have not been able to adjust payments according the terms of the Note despite my spelling the terms out for them. It is now time for another adjustment and I went to make my payment online and they 've adjusted my payment incorrectly again. I can not make my next payment on their website because the site gives me no option but to make the incorrect payment. 

I am also in the mortgage business and I am aware of others to whom this has also happened with Nationstar as their loan servicer.
Product: Checking or savings account

On XX/XX/XXXX a complaint was filed for fraudulent use of my checking account for non Chase atm fees for {$310.00}. Chase failed to notify of additional information needed I called XXXX at XXXX est and was disconnected during a transfer to claims I called back at XXXX est I asked for a supervisor the female XXXX in XXXX denied a supervisor disconnected the call in my face, told me to get a supeona and police report to prove I did not complete the transaction talking over me I had to ask her to be quiet. In the conversation told me a letter was sent XX/XX/XXXX well really smart of Chase to send something via mail no call no email during a active declared state of emergency when no mail was being delivered and I have yet to receive. She was the rudest person Ive ever dealt within a already stressful matter. I begin to raise my voice and become angry and asked if Chase recent drug bust have anything to do with this dishonest act of lack of communication putting my acct in the negative I called back only to get total different information that the decision was final and nothing I can do to overturned the decision. 

This entire situation has been completely stressful.
Product: Credit card or prepaid card

On XX/XX/XXXX I got a charge of a XXXX XXXX XXXX XXXX that was not authorized on my account usdirectexpress giving me the runaround saying they're not a bank and they can't really do anything I filled out the form they sense 180 days they haven't given me my provisional credit and they're lacking customer service skills I called 3 times just to be bounced around by different departments I filled out the form and I mailed it back to them still no provisional credit the bill was {$130.00}
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX I forwarded a letter complaint, addressed to the Manager, Wells fargo Card Services, at XXXX XXXX XXXX, XXXX XXXX CA XXXX. Earlier also on the same month, My daughter who is residing permanently in XXXX, was able to contact the fraud department of the Wells Fargo and reported about this criminal activity. The issue was about the billing and their intention to collect from me, purchases made on my Wells fargo XXXX American express card. I strongly refuted and opposed the billing and collection based on the following grounds. ( 1 ) This particular credit card has expired in XX/XX/XXXX and I did not renew it anymore, because I was already scheduled to leave USA. ( 2 ) I am now residing permanently in the XXXX. The two stores where the purchases were perfected in XX/XX/XXXX, does not exist in our locality or in the XXXX. Despite the earlier report of my Daughter about this criminal acts plus my own letter complaint to the company, No action has been taken on it until today, Hence this statement has been formalized intended for your office, for your information, guidance and action..
Product: Credit reporting or other personal consumer reports

I discovered accounts reporting that I don't recognize when I recently looked at my credit report.
Product: Credit card or prepaid card

I always pay my credit card accounts completely and on time every month if I receive the mailed statement. This company, Hilton Honors, American Express says since XXXX I've been paying late every month and now they're charging {$40.00} late fess in addition to other fees every month which is news to me. I have only two recurring charges each month on the card totaling {$35.00}. According to my online banking account ( XXXX ) I paid {$87.00} in XXXX ( XXXX XXXX  ) apparently because I missed the XXXX payment of {$35.00}. But I was paying the late charges only or something? I didn't receive the XXXX bill or I would've paid it. I paid {$66.00} on XXXX, apparently late again because my bill is due the XXXX of ea month but if I don't receive the bill, it's my online bank telling me I have a bill. This is twice the normal amount. Then I transferred the two recurring charges for XXXX so my bill shou8ld 've been XXXX in XXXX but again I didn't receive a statement and found when paying other bills on XX/XX/XXXX that my bill was now {$140.00}. I asked for charges to be removed so I could pay my final bill and cancel the card and then received this story about not paying late charges back to XXXX. I asked to speak to a supervisor and was put mon hold for 20 mins or ignored ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed the department or education/XXXX and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/2019 then all of a sudden report 90day late XX/XX/2019. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late
Product: Debt collection

My mortgage was in forbearance through XX/XX/2021. I was placed on the covid-19 defferal option with a first payment due in XXXX. I made the first payment due after forbearance on XXXX XXXX, XXXX. Today XXXX XXXX, i received a statement showing that the XXXX payment wasn't applied and the XXXX payment due will be for XXXX and XX/XX/2021. This company is very uncoordinated in its response as i also keep getting inundated with calls to contact them to bring the loan current. I've already contacted them, the loan is current, i have made my first payment post forbearance and yet this...
Product: Debt collection

The payment trying to be recouped was confirmed and cleared XXXX. 5 months later, the practice comes and says I actually owe {$730.00} despite my XXXX XXXX confirming to me that it was covered. This can be debated as violating the No Surprises Act. I provide ample evidence hoping you all clear it on your side. I follow up as seen in the previous email. Then, randomly, the bill is reduced to {$64.00}. This doesnt make sense since all the visits had a copay of {$25.00}, and {$64.00} isnt a multiple of {$25.00}. XX/XX/year>, I receive a letter of an attempt to collect debt for this {$64.00}. I log on to the portal, and the balance is somehow now {$320.00}. XXXX XXXX  clearly has an issue with their system which is not mine to fix. XXXX call to XXXX giving them the claim number would confirm that everything from those dates was covered with {$25.00} copay for each of the XXXX visits.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

My XXXX credit card bill is due on the XXXX every month. On XX/XX/2018 I made a payment of {$50.00} over the phone with a lady named XXXX. I confirmed with her that the amount I paid was correct. She said yes that is correct. The following month on XX/XX/2018I went to shop at XXXX XXXX, and I was told by a worker in XXXX name XXXX at the XXXX location in XXXX CA who told me that my bill was not paid. I told her that I did make the payment and he told me I would have to call customer service. So then I called the XXXX customer service over the phone and I explained the situation to them. I spoke to a gentleman named XXXX. I explained to him that my XXXX bill was not late because I had already made a payment of {$50.00} on XX/XX/2018. He said he would look into it, so he did some research and came to the conclusion that I was short an extra {$5.00} on the bill. He said he would wavie the late fee as well as other charges that I had on my account because it was not my fault that I was not told the entire amount for my biil that day on XX/XX/2018. He did that so that my account would be back current and I won't have a negative impact on my credit report. I have just received my credit report today and I have a 30 days late negative impact on my credit report that needs to be removed asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and incomplete information I discovered on my credit report upon reviewing it on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Unfortunately, this has not been upheld in my case. 

The following accounts are incomplete and/or inaccurate : XXXX. XXXX XXXX XXXX, Account XXXX : XXXX XXXX. XXXX XXXX XXXX, Account XXXX : XXXX XXXX. XXXX XXXX, Account XXXX : XXXX XXXX. XXXX XXXX, account Number : XXXX Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from providing information to consumer reporting agencies if they know, or have reasonable cause to believe, that the information is inaccurate. 

I have previously disputed these accounts and requested details as to how their accuracy was confirmed. However, I have yet to receive any meaningful explanation or supporting documentation regarding these confirmations. 

Furthermore, I am aware that Experian is currently facing legal action due to allegations of conducting sham investigations into disputes and failing to address legitimate consumer concerns. It appears similar practices may be affecting the handling of my dispute.