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

I have a store card for Best Buy through Citi Bank. On my card statement from XXXX, I had a promotional financing listed as expiring on XX/XX/2020 in the remaining amount of {$380.00}. I paid {$390.00} in XXXX to avoid these interests and additional charges. 
My statement from XXXX says that I have a remaining promotional balance of {$20.00}. This is not possible as I paid the entire balance in full. 
The bank is attempting to add charges in order to charge me for promotional financing interest. This is unacceptable behavior. I have my statements to prove that what I say is true. 
When I tried to address this issue with Citi Bank they sent me a reply that did not address the issue and made no sense, nor did it address the timeline I had stated, instead focusing on my latest payment ( made today for the minimum amount of {$84.00} ) stating that my payment needed to be made on time to avoid interest and showing the full amount of my promotional balances, not just the amount that I was disagreeing with for XXXX only. Clearly they did not take the time read my message and understand the issue. 

They have also removed my ability to view my promotional financing online through the website, I can only access information through my statements. I believe this is an unfair practice used to increase the chances of making me miss a promotional balance payment. I have addressed issues with Citi with XXXX and for a short time my promotional balances were shown on my account again, then before long they were removed once more. 

My original message to Citi Bank : In my statement from XXXX the statement said I must pay XXXX and I paid XXXX. My statement from XXXX claims that I needed to pay XXXX by XX/XX/XXXX to avoid interest. I already payed over the full amount necessary last month according to that statement. Trying to say that I did not pay it off and that I know owe interest on promotional financing is inaccurate at best and criminal at worst. I will not hesitate to report this issue to the FTC if you do not fix it imminently and XXXX just for good measure. 

The reply from Citi Bank : Our records reflect purchases have been approved but not yet posted to your account. The authorization process normally takes 2 to 3 days depending on when the store submits the request for posting. 

Our records indicate we received your online payment request through the Online Bill Payment Program on XX/XX/2020. If an online payment is received by XXXX XXXX. ET, it will post that same day. After XXXX XXXX ET, it will post the next day. 

Our record states that your promo balance was {$8300.00}. 

You must pay at least the minimum payment due by the payment due date to avoid a late fee. The minimum payment due is not negotiable and is required even if your only balance is on a deferred interest promotion. 

How we calculate your minimum payment due is explained in your account terms and conditions. If you can not locate yours, a copy is available upon request.
Product: Debt collection

XXXX and XXXX, Wife and Husband, true and lawful Attorney-in-Fact XXXX trade name XXXX has been in contact with BANK OF AMERICA , N.A . ESCALATION DEPARTMENT at XXXX or XXXX or XXXX, and BANK OF AMERICA , N.A . FORECLOSURE DEPARTMENT at XXXX since Tuesday, XXXX XXXX XXXX until Monday, XXXX XXXX, XXXX and has spoken to XXXX ( XXXX ), XXXX ( XXXX ), XXXX, XXXX, XXXX ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, SUPERVISOR XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX during this duration of a little over a month, and THEY all stated that according to BANA 's records, BANA has put the foreclosure on hold since XXXX XXXX, XXXX, and there is no foreclosure sale scheduled. 
So if that is true, then why did XXXX just find out that someone without BANA 's knowledge is attempting to hold a public auction on Tuesday, XXXX XXXX, XXXX ( open " First Attachment '' ), when there is an " Amended Notice of Pendency of Action '' filed and recorded with the EXECUTIVE ADMINISTRATIVE BRANCH OFFICE OF THE FEDERATED STATE OF HAWAI'I DEPARTMENT OF LAND & NATURAL RESOURCES BUREAU OF CONVEYANCES on XXXX XXXX, XXXX, giving " CONSTRUCTIVE NOTICE '' to the world that there is a " QUIET TITLE CIVIL ACTION '' suit actively pending. ( open " Second Attachment '' ). 
How is that possible anyway, when a foreclosure of a Mortgage may not be brought by one who has no title to it. XXXX. 
Its apparently obvious that BANA 's left hand does n't know what BANA 's right hand is doing or BANA does know about this attempted public auction, and is still knowingly and intentionally practicing deceptive and unfair acts and practices??? 
( 1 ) Lawyers can be " debt collectors '' under the FDCPA even if they are engaged in litigation activity. XXXX ( XXXX ) ; XXXX ( XXXX ) ( addressing what it means to be " regularly '' engaged in collection of debts ). 
( 2 ) Even if your law firm is a limited liability company, the owner of the firm may be directly liable under the FDCPA. XXXX ( XXXX ). 
( 3 ) Debt buyer directly liable under FDCPA if it engages in collection activity. See XXXX ( XXXX ). 
( 4 ) Debt buyer may be vicariously liable if principal-agent relationship exists. XXXX ( XXXX ). 
( 5 ) Debt buyer almost always vicariously liable for their attorney 's conduct. XXXX ( XXXX ) ( " Congress intended the actions of an attorney to be imputed to the client on whose behalf they were taken. " ) ; see also XXXX ( XXXX ) ( debt collection company can be vicariously liable for actions of collection attorney ). 
( 6 ) XXXX ( XXXX ) - letter case. " ... a debt collector may be held vicariously liable for the actions of a second debt collector working as an agent of the first, regardless of whether that second debt collector is an attorney. ''
Product: Credit reporting or other personal consumer reports

I had a loan with Mariner that unfortunately fell delinquent. I logged into my online account on XX/XX/XXXX, which showed active, and made a payment of {$100.00}. This information was not provided or updated with the credit bureau. I was then served a court summons a few days later being sued by Mariner, I found out Mariner had not reported the payment to their attorney either. The attorney also informed me Mariner was not supposed to take my payment and my account should be showing closed, apparently it was closed in XXXX but showed open through XXXX? I noticed my loan balance on my online account showed {$6500.00} but credit and their attorney show almost XXXX? So was the judgement issued for the right amount in court? Why does my account still show open? How was my payment applied to the balance because I paid the attorney {$320.00} on XX/XX/XXXX because they said mariner required a payment and a half but credit report only shows I paid {$200.00}? Also, credit report balance still shows higher, after mariner changed it initially when I disputed it advising it was the wrong amount. I feel they are reporting incorrect amounts, wrong account status, filing judgement on open accounts. Are they keeping the account in open status to charge more interest and not take a hit to portfolio so delinquency on the front end stays low?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$2500.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX
Product: Credit card

I opened a business credit card with US Bank which was a reward card. I earned about {$550.00} of reward. The account was on automatic payment. On XX/XX/2023, I reported my card to be stolen. I received another card but never activated the account. I checked the account balance from time to time which showed a balance of XXXX. Last time I checked the account was closed without my knowledge. I called the bank and they had no explanation. Finally after calling several times a supervisor told me that you owed a small amount and since you didn't pay it we closed the account. she said they send me several notices and statements but I never received any communication. The account that the automatic payment was linked had XXXX to XXXX and I had {$550.00} in reward. I never received any communication, no statement or letter that there was a balance due. The account was not linked to my online accounts and I could not view the account. I paid the small amount that was due and asked them to immediately reopen the account and have my reward back to my account. I need to be able to review my statements.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern,

I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths
and cause so much distress.

Federal - XXXX - "The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission (FTC) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer: 15 USC 1681 Section 602 A: Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2: Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c(a)(5): States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s2(A)(1): Prohibits furnishing information known to be inaccurate."
Product: Checking or savings account

This complaint is in response to a previous complaint # XXXX. 

In that complaint, a US Bank representative responded with a copy of the terms of the offer which I had requested over the phone previously however had received inaccurate information based on the written screenshots now given. 

Disclosure # 1 on Page 4 of that attachment provided by the US Bank representative states " ncludes this verbiage : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements '' and I had a {$5000.00} Direct Deposit enter my account on XX/XX/XXXX therefore 60 days from the last day of XXXX would be XX/XX/year>. 

In the response from the US Bank rep however, he stated that the last date for the bonus per the terms was XX/XX/year> by using the 90 day qualification requirements and starting the 60 day timer after that, which is contradictory to the terms attached in this document from US Bank
Product: Debt collection

This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One bank has submitted false information to all three credit bureaus under my name. I have contacted Capital One numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from Capital One. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

XXXX also has a Capital one account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

XXXX  also had a Capital one account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a Capital One account. Capital One has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of Capital One 's lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a Metro 2 dispute letter to Equifax asking how they went about verifying XXXX  XXXX Auto Finance account XXXX. 
I never received a response from them. 
On XX/XX/2021, I sent a letter to Equifax disputing the late payment for XXXX  XXXX Auto Finance account XXXX. 
On XX/XX/2021, I received an email from XXXX  alerting me that equifax removed a XXXX XXXX Auto Finance account from my credit report. I went to view my Equifax credit report at XXXX and realized they had deleted the one latter. I had not filed any dispute asking them to remove that account. Yet, they did it anyways when it was entirely in good standing. Worst part is that they never responded to my Metro 2 letter pertaining to the account ending in XXXX, which SHOULD be the account that is removed especially since they have been reporting it inaccurately. 
On XX/XX/2021, I called Equifax and spoke with supervisor XXXX who was of no help and could not even tell me why I had received no response for SEVERAL rounds of disputes that I have sent them. The correctly disputed XXXX XXXX account XXXX needs to be removed to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed US post letters to the Credit Bureaus of XXXX, Transunion, and XXXX XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Product: Credit reporting or other personal consumer reports

This complaint is in regard of EXPERIAN INFORMATION SOLUTIONS. I am requesting EXPERIAN 'S 'Method of Verification ' in regard to the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These companies have been disputed thrice to no avail. Each time I have disputed with EXPERIAN regarding the accounts with those companies, they all end up reported back inaccurate with no changes, yet EXPERIAN marks the accounts on my reports as " Update and Verified ''. I have given detailed disputes about what is wrong with each account and they still comeback unchanged. Does EXPERIAN actually do real re-investigations?? I have reason to believe there are FCRA violations in regard to non-compliance and treatment of investigated disputes after they have returned inaccurate. I have requested multiple times for the accounts to be deleted because of persisting inaccuracies. Please provide me the 'Method of Verification ' per 15 USC 1681 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXK XXXX, XXXX / XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights .

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

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

Navient has disabled the Custom Pay option for me giving me a technical error everyday time. Ive been making 2 or 3 smaller payments a month and put in as much as i can but now they have disabled that option as well. Their employees are getting nasty on the phone as well and will hang up the phone occasionally before the conversation has ended. Can something be done about this?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 


Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

INQUIRIES : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items in question are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. 
Please investigate this matter promptly and update my credit report to ensure it reflects accurate information.