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

I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX. 

I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way.
Product: Debt collection

There were fraudulent charges on the XXXX account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( XXXX ). They continued reporting and responded XX/XX/XXXX with a resolution. XXXX concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by XXXX, XXXX XXXX, and finally Portfolio Recovery Associates. I received a letter from XXXX on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to Portfolio Recovery Associates on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. XXXX informed that I had to contact the new company Portfolio Recovery Associates to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
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, immediately. 
Accounts XXXX XXXX XXXX, Account # XXXX Amount {$800.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding mutiple 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 Navy Federal for similar practices, where transactions settled with insufficient balances despite initially avaliable funds. I believe these practices are unfair and request and investigation into my account tranactions.
Product: Student loan

I had submitted my IDR Recertification last month and went onto the SAVE plan. My payment increased significantly from $ XXXX monthly to {$1500.00} monthly. With the new announcement that came out about extending the recertification ( see link below ), I should go back to my $ XXXX monthly payments. My NelNet account, however, still reflects that I have a payment due XX/XX/year> ( one week from today ). Due to this new announcement, my NelNet account needs to be changed back to $ XXXX  monthly payments. 

XXXX XXXX XXXX I called NelNet last Thursday XX/XX/XXXX and described my situation to the woman who answered the phone. She did not know anything about this new statement and the changes that were to be made in regards to it. I had to tell her specifically where I found this information. She then put me on hold to talk to her supervisor. She then came back on the phone after talking to the supervisor and told me that the supervisor had filled out a form and sent it to the department that handles IDR cases. The woman who answered the phone told me to stop my auto debit payments so that that money would not be taken out of my account for my upcoming payment. 

I had not seen any changes on my NelNet account so I called back today. A different woman answered this time and again did not know what was going on. She looked at the form that was supposedly sent to the department that handles IDR cases and said that they " processed my case and that they can not revert my account back to the previous amount since my IDR had expired. If I do not like my new monthly payment then I need to recalculate. She sent me the link to the help page in order to do so. 

I also got a follow up email to a complaint I filed with NelNet on Thursday stating the following " Dear XXXX, Thank you for contacting Nelnet. We have reviewed your account and see that you have spoken to a Nelnet advisor regarding the question/comment in your email. If your issue has not been fully resolved, please reply to this email with a summary of your request so we may assist you further. '' I replied with the following message, " Hello, my issue has yet to be resolved. On XX/XX/year>, I submitted paperwork to rectify my SAVE plan. My payment was calculated to be {$1500.00} starting XX/XX/XXXX. My previous payment on SAVE was $ XXXX  monthly. With the recent announcement that all recertifications have been postponed until late fall ( see link below ), I should be put back on my {$0.00} payment. My dashboard still reflects {$1500.00} due XX/XX/XXXX. Please fix my account and if needed, place me in administrative forbearance until you can update my payment amount and also so that I do not owe the payment on XX/XX/XXXX. XXXX XXXX XXXX XXXX and still have yet to hear back from them or see any changes to my NelNet account. 

I have also filed a complain on Studentaid.gov but that case is still pending.
Product: Credit card

I have been consistently marked delinquent on my account since XX/XX/2023. I did have rejected auto payments going to a checking that had fraud alerts after my ID was stolen. I made the payments manually to make up for those before the XXXX day mark. However, after getting the credit alert, I was made aware that I was being marked late. This was surprising because I either call or go online or both before making a payment to be sure I have the correct amount. This has happened the last few times Ive spoken with them. I get XXXX  amount from the rep or the portal online and then another after the payment has been processed. I just spoke with a supervisor last week that assured me I had the correct amount and now I received a call today saying I am late and owe XXXX times more than what shows online. I at requesting that someone listen to these tapes and look at the chats to verify what Im saying because Im likely not the only person dealing with this.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} - Chargeoff XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$2700.00} - Chargeoff XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} - Late/closed TransUnion XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Owed : {$2700.00} - XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$0.00} - Late/closed
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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: Debt collection

I received a copy of my credit report on  XXXX   XXXX ,  2017  and notice Ally Financial were listed a agency that sold the debt to a collection as stated on the report and I am not responsible for this debt
Product: Checking or savings account

Date : XX/XX/2023 There were over XXXX fraudulent purchases back to back on my account totaling {$1400.00}. I opened a complaint with Bank of America and they denied the claim stating it was a chip on chip ( physically impossible ). They provided no documentation proving this and allowed all charges to go through and drain my account. Ive provided them everything they have requested and have gotten noting but vague responses and the run around. I attempted over and over to resolve this with them with no success.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified by my ID credit reporting company of a negative report being filed by XXXX XXXX XXXX. I am  requesting in writing an explanation as to how my active disputed acct balance,  since, XX/XX/XXXXHas now been "expressed tracked" to a negative hit on my credit.My deputed balance has not been resolved due to Banks on- going avoidances to address my dispute if balance and handling of my acct.Please respond in writing thru reffering agency, as you company has no reporting person, for me to work with, to address concerns.Hx with company: cfpbXXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you are the proper place to investigate squareXXXX credit card services. I signed up for this company over a year ago. This company I just did my first transaction with them probably two months ago. This company has told me in the very first time that my money would be released to me then when I go to get my money released through their services, they tell me they need more questions. I asked the lady before I got off the phone, is there anything else you need? She assured me they had everything then they come with 15 questions later asking me do I know the person but thats not even the biggest problem the biggest problem that I want to have investigated is that theyre asking me for three months statements of my bank account. Now, what do they need to know what I am doing for the last three months just to receive my money I am asking you to investigate or to refer me to who investigates this company because they are a Unlawful and Wrongdoings on looking at peoples bank statements that are not concerning their company, I have never experienced anything like this with a credit card company before this is very suspicious to me.
Product: Debt collection

I tried to settle the debt when I was first contacted even though I dont feel that I legally owe the debt. The original representative attempted to coerce me into taking a high interest title loan. I was contacted again during my working hours and requested not to be contacted before XXXX as I could be reprimanded for using my phone at work. Since then I have been contacted repeatedly during working hours even after I requested multiple times not to be. Every time I tried to work with them I was told that they would settle but for more than the original amount. Some of the representatives have been very rude or pushy towards me, They have told me conflicting information as to who owned the debt, and they have repeatedly threatened to " take further action '' without specifying what that was. The last woman to call said she wouldn't waste her time attempting to deal with me and hung up on me. At this point I think they have racked up more violations of the fair debt collection practices act than they claim I owe.
Product: Credit reporting or other personal consumer reports

I refuse to accept your decision to reject my identity theft claim. Who are you to determine whether I have been a victim or not? You lack any authority or legal standing to make such a declaration. If you persist in denying my claim, I will engage my attorney to pursue a legal solution. It's important to note that my identity theft claim is in full compliance with the law. I have submitted an official report to a federal agency, as required by legal procedures. Let 's work together to resolve this matter within the mandated 5-day timeframe. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Debt collection

I was involved in an auto-accident in XXXX XXXX after being hit by another driver in traffic. As a result, I went to the hospital for XXXX immediately following the accident. At the time I was not covered by medical insurance so the policy I was under covered the bills plus sought reimbursement from the other driver 's insurance company. There was some confusion around this as the hospital and insurance companies failed to communicate with each other properly. 

I have not heard from any parties re : this matter until 3 weeks ago when I received a notification on XXXX of my credit monitoring services that a debt collection agency had filed a collection account with all XXXX credit reporting bureaus. I had not received any mail, email, or phone call from this agency threatening such action and at the time, I had no idea what the debt was relating to. After sending a request for debt validation, they sent me a copy of the hospital invoice which states quite clearly " no response '' from insurance company. 

I contacted XXXX ( my insurance at the time of the accident ) to find out what was the outcome of the claim. Their response ( which I have in email ) states that all debts had been paid to the hospital, but they had the case still open on their system because there may have been a double billing issue ). 

I have already been penalized XXXX pts on my FICO score because of this matter which has caused me to cancel a consultation re : a personal loan for my wedding on XXXX XXXX, XXXX because of a significant hike in interest. 

I will be informing said company in the coming days that they need to take immediate action to rectify the damages to my credit report.
Product: Credit card or prepaid card

I have GAP credit card which was on auto-pay. Back in XXXX, XXXX bank was changed to Barclay because of which my autopay was removed. This caused a late payment fee on my XXXX, XXXX  month payment. I called the bank and requested them to waive the late payment and pay off my remaining balance. Barclay representative said your late payment is waived and you can pay the remaining amount on the call. I did that and since then I'm getting late payment charges. I had a chat with them again in XXXX, XXXX and again Barclay Representative said that its all clear from our end, there are no charges. Now in XXXX, XXXX they reported it to my credit history. I Called them 10 times and they are just transferring my calls to different department and they disconnect my it. Never calls back. I want to report against barclay because of this behavior.
Product: Mortgage

If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 90 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. XXXX has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my XXXX Credit Report. I called Barclay 's Bank of Delaware and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!
Product: Checking or savings account

This is about the checking bonus from the First Horizon Bank {$450.00} checking bonus that requested maintenance of an average daily collected balance of {$5000.00} in the total deposit balance and a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first 3 full statement cycles. 

XX/XX/2024 - account open at a local branch and deposit a check over {$5000.00} on the day of account opening ; XX/XX/2024 - XX/XX/2024- maintain over {$5000.00} daily balance and over 10 qualifying client-initiated transactions for each statement ( in each monthly statement ) ; XX/XX/2024 - contact customer service for the bonus deposit, and respond that 3rd cycle is pending ( while the statement is already out in XXXX... ) ; XX/XX/2024 - XX/XX/2024 - contact the client manager at the local branch and the manager helped to check my account status and can not explain the reason of bonus not posted. At the end, he assisted to put a request to the internal bonus determination department ; XX/XX/2024 - The local client manager told me to contact the customer service online as he can not get the answer and clarification neither after waiting for 1 month. Called customer service and the representative pushed me back to the local branch as my account was opened at the local branch. This is so frustrating and never had such a bad customer experience before. After so much pain and patience with the waiting, a clear and detailed clarification from the bank is surely deserved!
Product: Credit card

I used the Bank of America app to make a payment on my Bank of America credit card. I received a notification from Bank of America via email that the payment didnt go through, but Bank of America charged me a late fee on my credit payment even though *I* made the payment on time and it was *their* processing issue. I always pay my card on time and dont want a derogatory mark on my credit report, and I shouldnt have to pay the {$39.00} late fee they charged to my account.
Product: Debt collection

I was working at XXXX XXXX XXXX back in XXXX and I found out I was being garnished. I called the law office to found out what I was being garnished for. She told me for I car I had back in XXXX or XXXX. I explained to her that the car was stolen and totaled and I police report was made. I gave the car to my sister who was a co-signer on the vehicle. She was at the store and went inside and came back out the car was missing. She filed a police report that day. Later that day we found out the person that took the car was in a high speed chase and the car was totaled. I l never was served a court order or anything to go to court about anyone garnishing my checks. I reached out to the law office asking if I could do a payment arrangement, she stated I needed to pay {$3000.00}, I didnt have {$3000.00} I had just started back working after being on a XXXX XXXX XXXX leave due to XXXX  XXXX. She had already taken almost {$2000.00} at that time, I asked if that amount could be added she said no and I needed to give {$3000.00}. I later in XX/XX/XXXX left XXXX XXXX XXXX due to XXXX  stress from the job. As of yesterday, XX/XX/XXXX they have garnished my bank account they took everything I had. They took {$3700.00} literally all the money I had to my name from my federal income taxes. I dont make a lot of money I only make {$15.00} a hour and they took everything they didnt leave me anything. That was money to pay my bills and rent is going to be due on the XXXX. I have no extra money to help with my bills now because theyve taken it all from me.
Product: Credit reporting or other personal consumer reports

I opened an account with Creditfresh in XXXX, XXXX. Had issues with repayment starting in XXXX. Spoke to several reps that gave incorrect information regarding credit reporting, status, etc and filed a complaint. 

I was told that I had until XX/XX/XXXX to bring the account current to avoid default. On XXXX the account was placed in default, which resulted in credit reporting. 

Numerous times I have become aware of phone calls being recorded without being made aware.