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

I have been trying to resolve this issue with Citibank for a Wayfair XXXX for the past 7 weeks. Rewards are not posting to my Rewards account balance and I get a different answer every time I call. The terms and conditions of the card are not being met and I would like it fixed. 
When I opened this card in XXXX, my rewards were posted the day after my XXXX statement date. My rewards earned on Wayfair purchases were posted according to the terms and conditions but Citibank has not posted my rewards since the XXXX statement. 
The numerous calls I have made to Citibank have all been fruitless. I get shuffled from one department to another or they try to deflect blame back to Wayfair. Numerous times it has been sent to their offline team and I have had no call backs, follow ups, and received one piece of correspondence indicating their interest rates ( which had nothing to do with the over the phone complaint ). They deemed this matter as resolved. That is inaccurate.
Product: Bank account or service

I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX  XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, XXXX, and Transunion without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.
Product: Checking or savings account

I closed my account with capital one back in XXXX, its XXXX and Im still receiving emails about that account, when I called the bank in XXXX they told me the account was in the negative about {$500.00}. I dont know how when the account was closed for the past 3 years. I recently received a email saying that {$50.00} was sent to the account. When I tried to logged in the account said it was now in the negative {$85.00} dollars. How is money still going into the account when I havent used it? Now when I try to login XX/XX/XXXX it says the account can not be accessed I have to call them.
Product: Credit reporting or other personal consumer reports

According to nd according to 15 USC 1681i 5 they are suppose to do this ( 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.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

42 USC 408 asking for anyone 's social security number on any loan is double dipping and fraud which is a violation of RICO We the people are the credit and the debt the moment of signing you received your currency twice. According to my 1666 account. Several crimes have been committed and everyone will be held accountable. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : WELLS FARGO Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter I submitted on XX/XX/22 was specific about the incorrect addresses listed on my credit report, the response I got deleted XXXX and ignore the others. I also provided poof with my identity and address with a copy of my driver 's license and utility bill. When I pulled my XX/XX/22 report I still had several incorrect address listed. I told them in the letter I sent on XX/XX/22 I only wanted XXXX address on my credit report, the correct one I sent with proof.
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 violated the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform m, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I deal appropriate redress for these violations.
Product: Checking or savings account

IN XXXX I REPORTED TO NAVY FEDERAL CREDIT UNION BANK THAT MY PHONE AND PURSE WAS STOLEN. SO OVER THE NEXT COUPLE DAYS I WENT THRU THE PROCESS OF DISPUTING THE TRANSACTION MADE ON THE ACCOUNT. IT WAS DETERMINED THAT THE THIEF MADE CALLS AND TRANSACTION ON MY ACCOUNT THAT I HAD NOT AUTHORIZED OR HAD ANY KNOWLEDGE OF SO I REQUESTED THAT ALL ACTIVITY ON THE ACCOUNT BE REVERSED AND I BE REFUNDED BACK ALL THE FUNDS IN THE AMOUNT OF {$10000.00}. I BEGIN RECIEVING LETTERS FROM THE BANK STATING THAT THE AMOUNTS ON THE TRANSACTION WERE CORRECT, SO I CALLED TO INFORM THE BANK THAT MY COMPLAINT ABOUT FRAUD WAS NEVER ABOUT WRONG AMOUNTS BUT IN FACT ABOUT THE TRANSACTIONS BEING FRAUD IN IT ENTIRETY BECAUSE I WAS NOT LOCATED IN XXXX AND I NEVER MADE ANY PURCHASES OR CREATED ANY OF THE TRANSACTIONS REFERENCED IN THE LETTERS. I SUPPLIED THE BANK WITH MY WORK SCHEDULE OF MY CLOCK IN AND CLOCK OUT TIMES TO PROVE IT WAS NOT ME I ALSO SUBMITTED MY BANK STATEMENT FROM THE ONLY CARD I HAD IN MY POSSESSION PROVING THAT I COULD NOT BE IN 2 CITIES AT SAME TIME AND I ALSO TOLD THEM TO LISTEN TO VOICE CLIPS FROM CALLS TO BANK AND COMPARE CALLS TO PROVE I HAD NO INVOLVEMENT IN THE TRANSACTIONS. THEY WERE ALSO SUPPLIED WITH THE POLICE REPORT LAYING OUT THE FINDINGS OF MY COMPLAINT. NOW THE BANK NAVY FEDERAL CREDIT UNION IS ATTEMPTING TO CLOSE MY ACCOUNT IN THE NEGATIVE OF XXXX AND LEAVE ME LIABLE FOR AN OVERDRAFT AND FEES AND NONE OF MY FUNDS RECOVERED FOR ACTIVITY ON THE ACCOUNT THAT WAS FRAUDULENTLY DONE BY AN UNKNOWN PERSON.
Product: Checking or savings account

Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT ally ). I reached out to Ally and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. 
============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to Ally Bank and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( Ally, XXXX XXXX and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with Ally, XXXX XXXX and XXXX customer service for no fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Product: Debt collection

The week of XX/XX/XXXX I sent the credits bureaus letter about ERC on my credit and ERC sent me copies of bill statements but they fail to validate that I owe them a debt. They did say any any documents with my signature or document stating I was responsible for owing this debt. Also the bill statement ERC sent shows a balance of {$2000.00} but updates on my credit reports every month as {$1800.00}. This debt was removed from XXXX did n't it was n't enough validation but XXXX and XXXX  updated saying Meets FCRA Requirements
Product: Credit card or prepaid card

I have three credit cards ( XXXX 's, XXXX, XXXX XXXXt ) which are all issued through SYNCHRONY BANK. When I receive a bill from these companies, the payment is made to SYNCHRONY BANK. I have had these accounts for several years, and have always paid on time ( we HAD excellent credit ). I have been receiving paper bills in the mail, I do not pay electronically. In XX/XX/2023, I received all three bills in the mail, and paid the balance, or the amounts due. I did not receive a bill in XXXX, XXXX, or XXXX on any of these three accounts. 
In late XXXX I received emails stating that all three accounts had been closed for non-payment, with months of interest and penalties added. I called to resolve the issue with each SYNCHRONY account, and was told that I must have asked for electronic billing. I did not ever request electronic billing, and there was no billing sent to me ( I checked spam and trash ). I asked for paper copies of each bill, for each month, from each card. When I received the copies, I noticed my XXXX, XXXX and XXXX statements had been sent to an address in OKLAHOMA! ( I never lived in OKLAHOMA and live on the west coast! ) I filed a complaint on each account and they denied it. SYCHRONY BANK will not admit that THEY screwed up. I am trying to repair my XXXX XXXX - and cancelled all accounts with SYNCHRONY BANK! They will LIE to your FACE!
Product: Credit card or prepaid card

I have been having a very hard and frustrating time trying to get my money back from Chime Bank after someone hacked and cleared my account on XX/XX/2022 with XXXX sperate transactions one for {$380.00} and other one for {$1300.00}. I have made several claims to chime to try to get this resolved and they have done nothing but denied my claims time and time again. I do not know what else to do with them they are a horrible company Bank to deal with. They have had me email several departments i call and they dont help they tell me to email the chime support team and they send me the same message saying We do not find that an error has occurred. We consider this matter closed. I have sent them photos and evidence to back this up and still get denied. I have made it clear from the moment it was charged that i did not authorize the transactions. I was hacked they were able to get into my account change the email and phone number to the account so i was unable to get back in it took me 6 days to be able to have acces to my account again since chime can only help by emails when I call they tell me to email. This has been a very big inconvenience Inhave kids and bills that i havnt paid to this day almost XXXX weeks later because of this. I hope yall can help me XXXX thank you!
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2023 I called Upstart to payoff my personal loan. Their representative was unable to take my payment over the phone so I told them I would send them a check that would be received on XX/XX/XXXX. I asked what amount It should be made out for to pay off my loan in full, which they provided to me. They told me it was good for 10 days. I sent the check and followed up with another call on the XXXX. I was then told it can take up to 2 weeks for the check to be processed and posted to the account. Several days later the payment posted to the account but I was shocked to see they were still charging me interest resulting in additional balance remaining. To my knowledge the purpose of requesting a payoff amount is to insure the payment you make will cover any additional costs associated with the closing of the loan. I was clear with my request and intentions on the phone about wanting to pay the loan in full including the method to do so and the dates involved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my ChexSystems report and noticed I had fraudulent accounts on my report. Please remove these accounts from my ChexSystems report, they are hurting my ability to obtain banking relationships for myself and my family.
Product: Credit reporting or other personal consumer reports

MY INFROMATION WAS USED FRADUALENTLY TO OPEN SEVERAL AACOUNTSDUE TO IDENTITY THEFT WHICH RESULTED IN FRAUDULENT ACCOUNTS BEINGOPENED AND SEVERAL INQUIRIES BEING FRAUDULENTLY MADE. ATTENTIVELYREVIEW my formal writ composed DECLARATION of Not Proven CompliantMisinformation that is all or in part : DEFICIENT of adequate current status in fullnessof TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory andregulatory requisite compliant reporting thereby mandating your immediate actionsto rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returningto DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 datafield formatted reporting! To be clear, you are mandated by laws to eliminate everynotation and or aspect of any and all derogatory and adversary items from any and allalleged claims still yet unproven to be true, correct, complete, timely, documented asbeing mine, testimonial to be of my responsibility, with FCRA compliance, and orCRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and allderogatory or potentially injurious reporting MUST be all of the aforementioned andcan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTsensuring the physically verifiability of the CONFIRMED manual validation of any itemupon a consumer complaint, such as is this notice here and now.Please RETURN to orretain federally lawful reporting with your unwavering and unconditional annulmentof every single one even each any and or all of the allegations accused of medeficient of physical evidence to every and all aspects of said claims, be them true ornot. I would like to forge forward with a righted disputation challenging what likely isan inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not evenof my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements andinjury to my credibility. While studying my report I have come across a number ofmistakes and inaccuracies that you are reporting.Please review and eradicate any andall of these following unproven true, correct, complete, timely, mine, myresponsibility, FCRA compliant, metro 2 compliant, or else wise compliant to everysingle one even each any and all of the regulations, laws, and standards of reportingof which you are undoubtedly mandated in your obligation to obey : The followingallegations each require immediate deletion, do so now and here!
Product: Student loan

My XXXX loans were placed into " administrative forbearance '' by nelnet. This was not something that was I, as the loan holder, was ever notified of or consented to. I have four groups of student loans with Nelnet. Two of them are XXXX school loans, which are currently in grace following my graduation in XXXX. The other two are unsubsidized XXXX loans. 

I figured out on my own that the loans were in deferment, by logging into my account to try to set up auto payment. Auto payment, and therefore the .25 % interest rate deduction, could not be applied to my account because a payment was not due. A payment was not due only because my loans were placed in administrative forbearance without my consent. 

On three separate occasions, I have requested that nelnet place my loans into repayment. Each time, the customer service was helpful in making this change. However, a few days after the repayment goes into effect, the loans always go back to being in forbearance, despite assurance from nelnet that this would not happen and measures were being taken to keep this from happening. 

This forbearance is keeping my from making auto payments to my account, causing my loans to accrue more interest due to not receiving the interest rate reduction for autopay, and delaying my student loan pay off by not starting my repayment period promptly after graduation.
Product: Credit reporting or other personal consumer reports

I am reporting identity theft regarding fraudulent bank accounts that were opened in my name without my authorization. These accounts were closed and left with a balance, but I was not responsible for them. Per section 605B of the FCRA Block and Remove this account.
Product: Student loan

Automatic payment did not process on date selected leading to interest building on incorrect amount and past due. Had to make another payment to make the due date. Waited on hold 3 hours, no answer from helmet nor any response from my email.