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

I received a late payment notice by email yesterday on my Citi AAdvantage card for their {$99.00} annual membership fee. I havent used this card in over a year. I initially got the card for a family vacation that was in XX/XX/XXXX. They offered an attractive signup bonus with miles and first checked bag free. However, due to me using miles to book my flight and being forced to book the other 4 tickets for my family separately, AA would not honor the first checked bags free for my familys bags. This cost my family over {$100.00} round trip which was very upsetting. 

XX/XX/XXXX XXXX PDT ( approx 45 min call ) Called Citi / AAdvantage XXXX # and spoke with phone rep. She couldnt help me so she transferred me to customer service who transferred me to their manager XXXX , who transferred me to his manager XXXX -each time I had to explain from the very beginning what the problem was and how I was asking for it to be resolved. Everyone I spoke with at this point kept telling me they can only waive the annual fee up to 60 days. I didnt even know I had a balance due because I hadnt used the card in over a year and apparently was on paperless billing. The only two emails I recall receiving from Citi were within the last week or so. One saying my AA miles expired and the other yesterday when I first became aware of any balance owed to Citi. 

XXXX couldnt do anything and claimed there was nobody above him. All he offered was to fill out a customer complaint and somebody higher up would call me within 48 hours. 

XX/XX/XXXX XXXX PDT XXXX XXXX called my cell and said there is nobody above him. He would not waive the {$99.00} annual fee. He said he listened to my call from the day prior and nothing could be done. Horrible customer service. He kept talking over me and repeatedly said they do not and will not waive the annual fee.
Product: Mortgage

My mortgage servicer Mr.Cooper also known as Nation Star has  given me the impression that was my forbearance that was granted due to Covid 19 cancel I have to pay a lump sum or go through qualifiers for future payments. Its bad enough that we have to worry about the pandemic and how I will get through this and to have more stress every time you call them because there is no reassurance that you will be ok. I went online today and it advised me to call in to get Post forbearance options and the guy had no idea what I was talking about. Every time you call its a different answer with no reassurance. Its like you are being punished for something you have no control over and its very torturing. I dont understand why they put o e thing on the website but when you call in its a different story. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX SC XXXX the last four of my ssn is XXXX. The last phone call I made was today XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America mortgage loan, was transferred to XXXX XXXX  XXXX. Both companies are reporting incorrect information on credit reports. Bank of America was not sent to collections, it was Covid forbearance and then they transferred our loan to XXXX. XXXX is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. XXXX had not updated their own system, so we had no account number for them to take payments. Our BOA loan was still considered the payment company and put our payments in a escrow account, until XXXX had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below XXXX 2019. 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: Checking or savings account

on XX/XX/2021 I applied for a citizens bank one deposit checking account. I immediately received a declined email. there is no information regarding as to why it was declined. upon further investigation into my credit report, i do not have any collections with the institution, I have called the institution and they have been unable to give me information as to why it was declined. i was transferred over to the fulfillment department from customer care, who stated they do no work with previous applications that have been statused. they transferred me back to customer care, after 20 minutes on hold, someone picked up and they stated that they are unable to help me, i would need to speak to fulfillment. I informed them that I just got off the phone with that department and they can not help me. they stated they are unable to assist and hung up on me.
Product: Credit card

I have a Bank of America Credit card as of XXXX the balance was {$23000.00} which consisted of {$8000.00} at 19.49 % and {$15000.00} at 0 % I made an extra payment of {$8500.00} which I wanted applied to the entire high rate balance. I also made {$900.00} in regular payments as I do every month. On my XXXX statement I still have {$2200.00} at 19.49 %. My large payment was not applied to the higher rate balance and I did not make any additional purchases or advances. I just called and they refused to fix this and just said that is how they do it because of the timing of my {$8500.00} payment they consider it my regular payment and applied it as they pleased. I realize that this is not a lot of money but if they regularly do this it adds up to a lot of extra money for them and it 's not right.
Product: Credit card or prepaid card

On XX/XX/2020 I checked in to the XXXX XXXX XXXX in XXXX XXXX California. around XXXX. I made the reservation about a week in advance using my Capital One Credit Card ending in XXXX. About an hour later my family and I left the hotel to get something to eat on the beach. We left the TV on, turned on the Air Conditioning and locked the patio door. We returned about XXXX minutes later and noticed the TV and XXXX were both turned off and we were saying that we were sure that we left them on. So we turn them both on again and leave room again. We return an hour later and they're both turned off again and patio door is cracked open this time. I call down to the office and ask is Tv and Ac on a timer because I left them on twice only to return to my room and they are off and the sliding door was opened by someone. He told me not to worry about it as long as everything worked I should be happy. We immediately packed our bags gathered our kids and went down to desk to return key and left out of fear for our safety and fear of catching CORONA VRUS.  he no explanation or options. I called Capital one around XXXX the same day 3 hours after I checked in and voiced my concerns and to open a dispute because I was only there XXXX hours and feared for the safety of my family and they told me they understood and would take care of it. A month later capital one sends me an email agreeing with the Hotel that I should pay XXXX for the 2 day stay. I thinks that it is wrong for Capital One would've rather me put my family in harms way especially at a time like this amid the Pandemic and so much XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX  account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I was treated with discrimination by a Washington Federal bank employee while depositing a check into my own account. I have had a Washington Federal account with my spouse for years. We both have 1/2 of our mortgage payment deposited into the account each month from our paychecks. Then, our mortgage payment comes out of the account on the XXXX. Last month, there was a mistake by my payroll in deleting my direct deposit. So, I needed to go into the bank and deposit a check for my half of the mortgage. I went inside on XX/XX/2021 to deposit a check into the account. I went to the XXXX XXXX branch # XXXX at XXXX. I went to the register and gave my drivers license and check to the male teller and told him that I needed to deposit the check into my account because my direct deposit had been stopped. He kept looking at my I.D . and back at the screen saying things like, " I just want to make sure this is you. '' And, " You said you had a mortgage here? I don't see it. '' I didn't say that I had a mortgage there. I said that my mortgage payment comes out of that account. He took a really long time with the deposit. Then, before he would give me my drivers license back, he said, " I need you to take off your mask so we can get your face on camera. '' And I asked, " Do you ask this of everyone? '' And he said, " Yes. It's standard procedure. '' FOR A DEPOSIT???? I was not withdrawing money. He saw my drivers license. Why would I need to show my face to the security camera for a deposit? ( Please check their security cameras for interactions with Caucasian customers ) And, I'm certain that they do NOT ask everyone to remove their masks. That is not safe because of the COVID crisis. He treated me like this because I am an XXXX XXXX. He made me feel like I was a criminal. That is not right.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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 information or items that do not belong to me. Please block the noteworthy items that are opened without my consent Please block these items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX the following companies inquired about my credit without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX the following company inquired about my credit without my consent : XXXX XXXX XXXX On XXXX XXXX XXXX the following company imquired about my credit without my consent : XXXX XXXX XXXX On XXXX XXXX XXXX the following company inquired about my credit without my consent : XXXX XXXX XXXX On XX/XX/XXXX, XXXX The follomg company inquired about my credit without my consent : XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, Citibank, through their extended warranty affiliate, " Assurant, '' denied my credit card extended warranty claim on the basis that the failure of my cell phone is " normal wear and tear '' and therefore not covered by the manufacturer 's warranty or the extended warranty. 

On a phone call with " XXXX '' ( no last name provided ) at XXXX, I explained that the permanent ( not user-replaceable ) battery has exploded internally, which is a material defect, not " normal wear and tear '' but XXXX refused to reconsider the claim. ( XXXX also stated that the insurance adjuster 's name is " XXXX '' but she would not give me XXXX 's last name or insurance license number, which makes submitting a complaint to the Maryland Insurance Administration very difficult. ) XXXX advised me that there is no other recourse through Citibank or XXXX.
Product: Credit card or prepaid card

Two fraudulent applications were sent in to open credit card accounts using my information. The hard inquiry on my credit report is what prompted investigation and then I received letters from both companies that the credit cards were ( thankfully ) NOT approved. Upon calling both companies they did have my SSN #. 
1. Hard inquiry XX/XX/XXXX for XXXX XXXX XXXX, letter received indicating program fee was returned unpaid and account would not be open. Contacted XXXX XXXX customer service XXXX and they confirmed no account was open on XX/XX/XXXX. 
2. Hard inquiry XX/XX/XXXX for Citi card, letter received that application could not be approved due to missing info. Customer service was no help and I could not get any clear assistance from multiple operators. I tried to XXXX fraud department for Citi and it was the same basic phone number. Credit Bureau dispute entered to remove this inquiry and a fraud alert has been placed at all bureaus.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A oportun loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Ban Inquiry from XX/XX/XXXX All Banks XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Product: Credit reporting or other personal consumer reports

As per the quidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( X4 ) -5 -- 1002.142 ( X/ ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( bX6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX credit report. I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XX/XX/2022 SYNCB/TJX CO DUAL CARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 SYNCHRONY BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 

Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX XXXX