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

Back in XXXX, Citi said that there was no credit balance on my account and that the account was closed. Then they refunded my credit balance after I filed a complaint. 

Once again there is a credit balance on this closed account because Citi accepted a refunded amount from a vendor, rather than rejecting it ( which would have allowed me to receive the refund directly ). See attached proof of credit balance.

I called Citi, and was hung up on once, then transferred, then I was told that a refund would take supervisor approval, take two billing cycles ( i.e. 60 days ), and then might be send to my bank, or mailed as a check.

I want Citi to immediately refund the credit balance on this closed account either electronically to my bank account of record, or via bank check sent via express delivery with tracking.

Sitting on a refund that they never should have received is a cheap way to steal interest from customers. Citi is awful, and should be banned from this industry.
Product: Credit card

I changed my due date on XX/XX/24 from the XXXX of the month to the XXXX of the month. I knew that it would not go into affect until XXXX so I paid my XX/XX/XXXX payment early on XX/XX/XXXX to avoid late fees. The due date was changed but it shows due on XX/XX/XXXX which I already satisfied my payment for XXXX and interest was taken, so the next billing cycle should have been XX/XX/XXXX th and not XXXX. I was told there was nothing they could do and I would have to make the XX/XX/XXXX payment which I plan to do. I think Chase owe me refund because they are charging me 2 payments in XXXX. One made on XX/XX/24 which satisfied my XX/XX/XXXX payment and the payment due XX/XX/24 which was paid today. The XX/XX/XXXX due date should not be due. The payment should not be due until XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX  XXXX. Please remove this account in my credit file ASAP.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my Experian credit file ( online ). I named each inquiry to the Experian rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX  ACCOUNT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not have this credit card JPMCB CARD Potentially Negative Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Payment History JPMCB CARD XXXX Credit Card Individual XX/XX/XXXX Open. {$110.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$17000.00} Highest Balance {$9300.00} Terms NA Balance Histories Scheduled Date Balance Payment XX/XX/XXXX {$110.00} {$0.00} XX/XX/XXXX {$110.00} {$0.00} XX/XX/XXXX {$110.00} {$34.00} XX/XX/XXXX {$110.00} {$40.00} XX/XX/XXXX {$110.00} {$40.00} Paid {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports a public record of chapter XXXX petition in which there is no plaintiff, no liability and no status.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently two installments loans reporting on my credit report from XXXXXXXX XXXX Both these loans are paid in full and showing a balance owed. 

Date : XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - Lease Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 pre presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation ) XXXX XXXX XXXX  balance {$1700.00}, XXXX XXXX Balance {$13000.00}, XXXX, XXXX XXXX {$33000.00}, XXXX XXXX Balance {$900.00}, XXXX XXXX balance {$590.00}, XXXX XXXX balance {$540.00}, XXXX balance {$1400.00}, XXXX XXXX balance {$3100.00}
Product: Debt collection

I log into to view my credit report monthly as I've been trying to keep up to date and ensure nothing goes wrong and especially since I've been a victim of identity theft several times in the past couple years, so I recently logged in today to view my XXXX  report and there I see a collection from Paul Michael Marketing for an account I wasn't aware of or made. I never received a call or even a letter basically any form of communication regarding this fraudulent account which was still regardless reported to the credit bureaus.
Product: Credit card

Ca n't see my refund credit back to my credit card account online. Customer service had high call volume and being cut off on phone.
Product: Credit reporting

This account is listed twice on my profile XXXX XXXX This account has been paid and the incorrect information is listed on profile and no data has been sent to support this debt. I request this be removed ASAP. Here is the second account XXXX XXXX. Also, it has been over 60 days requesting this removal. 

Thank you
Product: Credit reporting or other personal consumer reports

I have requested my credit report multiple times even emailing them my information to validate my identity while on the phone with a representative on XX/XX/year> at XXXX. The representative validated my identity and stated a report will be sent out immediately. I still have not received a credit report after providing a copy of my DL back and front and XXXX XXXX. At this point the company continues to violate the FCRA denying me access to my full credit file. I have made a previous complaint in XXXX which they claimed that they still could not verify my identity. I have mailed and emailed all appropriate documents and have not received my credit report upon request, At this time the company is in violation of the fair consumer rights. And i will seek legal advice if my rights continue to be discarded. Please see attachments that validate my complaint.
Product: Credit reporting or other personal consumer reports

Hello, I recently did a credit check on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. This Accounts XXXX, is not complete and accurate. 

XXXX XXXXXXXX date last active, opening date and date of last payment is not correct, this account t is not accurate.
Product: Student loan

My parents co-signed on my private loans with XXXX, which turned into Navient with out my knowledge or consent, and my monthly payments are over 1000 dollars a month. Only having a XXXX in XXXX i can not afford this on any salary that i would recieve in my field so i have to rely on a XXXX salary because my student loans are preventing me from starting a career ( which i went to college to find a career ). My parents and I have called Navient and complained about the payments on many occasions asking and begging to be put on a longer payment plan to make the monthly payments more manageable and they would go through our family finances with us and after we went through all of our other obligations it came out that we could afford it with about {$10.00} to spare so they said they could not do it. I even said " so even if you take all of our money and leave nothing for food or living you will take it '' and their response was 'you can pay it so you have to ' this was about a year ago and after calling on multiple occasions we gave up. I am at my wits end with my loans and feel like I 'm drowning with no hope of it getting better i am desperate. Their defense is that i signed the paper work so i need to pay it. I was an XXXX year old kid and was told college is the only way to get ahead in life. Now its the only thing holding me back!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : High Balance : The reported high balance varies between bureaus and does not reflect accurate transaction history.

Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data.

Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies.

Balance Owed : The current balance owed is incorrect and does not align with my payment records.

Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account.

Credit Limit : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/2021 I made a purchase online at ramaworks.store. 

This purchase was to be delivered the following spring approximately two quarters later. It was then delayed indefinitely and still has not been delivered. They have violated federal laws from the FTC by not offering a full refund after the delay and still refuse to respond to my or any other customers about the refund. 

I contacted my bank, Chase, with whom I made the purchase on a credit card and they refuse to initiate a chargeback to get my money from this fraudulent retailer.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reporting a written off debt from XXXX and attempting to collect it from me in Illinois or Georgia : but they do not have a collection agency license in Illinois to report on my credit or attempt to collect. 

The original debt was written off.
Product: Vehicle loan or lease

Bridgcrest customer service keeps telling me misleading information and it cuased them to lie to apoint of no return a XXXX XXXXXXXX that now they clsoed my account so I can not cathc uup on payents, or pay off car. The customer folks will not speak to me saying I do not have an account.of what payment amount is due and how many past days I must go under for them to stop repossession. They said {$350.00} will be due and everything will be okay until next month. Then after paying it they did not stop repossession and caused injury to me as a consumer as a worker XXXX XXXXXXXX XXXX XXXX in Lending Act ( TILA ) include failing to accurately disclose the needed funds then changing the story once the money was received. Unfair or deceptive acts by customer care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Product: Credit card or prepaid card

I signed up for multiple Citi AAdvantage credit cards due to their advertised perks, sign-up bonuses, and mileage earning on purchases. The terms of these offers were clear and applicable to me, and said that I would receive bonus miles after completing certain spending requirements. I completed the requirements and the miles were deposited in my AAdvantage account per those conditions. 

On XX/XX/2020 I received an email from XXXX XXXX Corporate Security indicating that my Advantage account has been terminated and all of my miles are forfeited, without notice, and that these violations are related to the accrual of ineligible miles and benefits. At the time, I had a large mileage balance of AAdvantage miles that I had earned with my Citi AAdvantage credit cards. 

The AAdvantage miles earning ability and signup bonuses associated with my Citi AAdvantage cards was clearly advertised, and Citibank approved me for these credit cards knowing the AAdvantage program Terms and Conditions. At no point during this process did I participate in fraud, abuse, or misuse. Citibank claims they are unable to help, although they entered in a contract with me to provide those miles. It appears Citibank or XXXX XXXX is uncomfortable with the amount of miles I earned using their promotions, and do not wish to honor their part of the contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXXXXXX XXXX. I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the 3 credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXXl XXXX secured card on XXXX XXXX And they did a hard credit check inquiry on me on XXXX XXXX XXXX and Experian which is find. But the part that is not cool is when I checked on my application on XXXX XXXX and they did another Hard credit check inquiry on me on XXXX XXXX XXXX XXXX Experian. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and Experian. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Product: Credit card

In XX/XX/XXXX, a balance transfer check was requested in the amount of {$5000.00}. It did not arrive in the specified 15 day window. A call was made to Capital One to investigate. On the same phone call, the agent placed a stop payment on the first check and reissued the {$5000.00} check while I had also made an ACH request to ensure that the balance transfer was taken care of in a timely fashion. I stated that I DID NOT WANT THE BALANCE CHECK REISSUED. Agent tried to cancel but said that the system would not allow her to do so. She then clearly instructed that upon receiving the check in the mail to call back into Capital One to have the check cancelled. 

XX/XX/XXXX -- Received check in mail. Called week of XXXX and XX/XX/XXXX to ensure that the check had been cancelled as the amount was still reflected in my account balance. I was told by agent IVY that the prior agent 's request from XXXX was not honored and that his request was being rejected. 

These POOR practices at Capital One WILL NOT be tolerated. I WILL NOT DEPOSIT THE CHECK. THE BALANCE TRANSFER AMOUNT AND FEE MUST BE REMOVED FROM MY ACCOUNT BALANCE IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

A person named XXXX contact me by XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX she like my photo and ask me for use it to do an art project for a client with the cost of XXXX, I will cut XXXX of it for me, she ask my name my bank and my email, also she told me the check need to be nominal me because I should process he for use my image without permission, she send me XXXX check of XXXX dollars and one more of XXXX it was in my email I did the deposit, my bank completed the deposit and I send her part with the total of XXXX, at first was pending and she ask me to call my bank and ask to complete the payment, then my account was closed by the bank and I realize that I was an victim of scammer. My bank send me the bill and denied my claim.
Product: Mortgage

Company states they sent notice of force placed insurance. I never received said named paper work. Apparently my insurance lapsed on XX/XX/2021 and I wasn't notified until XX/XX/2021. The insurance force upon me is significantly more expensive then i was paying and ever pulled my escrow into the negative. Tried to call XX/XX/2021 to finish putting this to issue to bed after getting my insurance company back on. the previous call was XX/XX/2021. I was told that is my problem and that I have to pay all fees and increases, because there records showed they sent a letter, which was not received.
Product: Debt collection

I notified synchrony bank that this was Freud months ago regarding this account. They were supposed to talk to my son and I talk less the lady a message and they never called my son back. And this was a fraud account that Im not responsible for putting collections I am not responsible for this at all
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXXi ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX