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

I had called Citi credit card services on XX/XX/2021 to convert my Citi Prestige card to Citi XXXX card before my annual fee is due for renewal on XX/XX/2021. During the call, I was assured by the customer service representative that my annual fees for the Prestige card would not need to be paid and if I was charged with the fee, I could call and have it refunded back to me. The product change from XXXX to Rewards+ was completed and the agent said that the new cards would be sent to me. 

XXXX XXXX, I had received the Rewards+ cards and activated them. The XXXX XXXX account was now showing closed on my Accounts Summary page. 

XX/XX/2021, my statement on the Rewards+ card closed and a Membership fee of {$490.00} and two authorized user fees of {$75.00} each was charged to my statement, a total of {$640.00}. 

XX/XX/2021, I called Citi Credit Card services and explained to them that I was charged an annual fee for the Citi Prestige card when my account was already product changed to the Rewards+ card which does not have an annual fee. The agent explained that the fee should not have happened and the agent would create an dispute for me to credit the fee back to my account. 

XX/XX/2021, I saw that the fee of {$490.00} was credited back to my account but the fee for the XXXX authorized users of {$75.00} each, a total of {$150.00} was not credited back. The Rewards+ card does not have an annual fee for authorized users and this fee was from the Citi XXXX account that was already closed. I called back to Citi credit card XXXX and explained the situation. After being placed on hold, the agent informed me that the authorized user fees was non-refundable. I explained to the agent that the fee hit my account for the product, " XXXX '', that was already closed back in XXXX. The fee hit my account in XX/XX/XXXX, after the account was already closed. I asked the agent to close the XXXX authorized user accounts and the agent still explained that the fee would not be refunded regardless of what I do. This does not make sense to me since I product changed my account in XXXX before my annual renewal in XXXX. The XXXX account was already closed before the statement date.
Product: Vehicle loan or lease

Basically there are two different signatures on the contract that I signed and the contract that the loan company provided! Thats not my signature on the agreement that XXXX XXXX XXXX provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but XXXX and XXXX and XXXX  XXXX  is blocking me to prevent me from disputing these accounts.
Product: Checking or savings account

Checking account was opened on XX/XX/XXXX with a promotional code that I confirmed was attached to the account. 

The terms are laid out here https : XXXX The requirement of {$1000.00} in enhanced direct deposits was completed XX/XX/XXXX. 
The requirement of {$1000.00} in debit card purchased as completed on XX/XX/XXXX. 

The terms state XXXX XXXX  miles will be deposited within 30 days of completing the requirements, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and the miles have not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, finance a vehicle with XXXX XXXX XXXX  on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.
Product: Mortgage

I have received continuous collections calls from my mortgage company, Freedom Mortgage. on Wednesday, XXXX at XXXX MST, Thursday XX/XX/XXXX at XXXX MST and today, Friday XX/XX/XXXX at XXXX and spoke with XXXX who identified her " teller ID '' as XXXX. I also continue to receive several offers for FHA Streamline refinancing, which is ironic, because Freedom Mortgage nearly foreclosed on my house just a few months ago. I 've contacted the numbers provided on the offers and have been informed by several employees that I should not be receiving these offers and should not be receiving collections calls because the payments are being made by a third party due to the HHF program I am currently on. Freedom Mortgage continues to exhibit the bondage of the predatory loan they originated, as my home in just 16 months is nearly $ XXXX under the value, although it was a new build. They begin foreclosure processes, offer FHA Streamline and call for collections, all without knowing what one department is doing versus the next. I would like for some remedy to occur for the constant harassment I experience through and from this lender.
Product: Student loan

My student loan servicer is EdFinancial. On XX/XX/XXXX my loans were transferred from XXXX to EdFinancial. My due date is the XXXX of the month. I am enrolled in PAYE and my payment amount is {$0.00}. According to StudentAid.gov, on XX/XX/XXXX my loans were put into forbearance for the month of XXXX despite the fact that I didnt owe anything under my plan. On XX/XX/XXXX EdFinancial sent my XXXX invoice showing that I owed {$0.00} on XX/XX/year>. Now XXXX is showing up as " ineligible '' for PSLF because of this forbearance that I did not ask for or need. I am asking EdFinancial to remove the forbearance because I was enrolled in PAYE with a {$0.00} payment and report the period as eligible for PSLF purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am saubmitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX, XXXXXXXX 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 XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Bank account or service

I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were " never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX I have attempted 3 times to have my annual credit report mailed to me from TransUnion and they keep refusing to send it. 

My first attempt on XX/XX/XXXX, I wrote them asking for my credit report. I sent a copy of my valid Driver 's License with correct address and a copy of my Social Security Card along with my request. They wrote back with a letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. 

My second attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report. I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with the exact same letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. This made no sense to me as I sent them the documentation that they requested verifying my mailing address. 

My third attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report ( this time circling the items on the request document that met the requirements they were asking for ). I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with a new letter dated XX/XX/XXXX stating that one or more of the documents provided was illegible. 

I disagree that any of the documentation that I sent was illegible. They keep refusing to send me my credit report that is my right to ask for once a year and that they are required to send per the Fair Credit Reporting Act ( FCRA ). They are breaking the law and being unnecessarily meticulous.
Product: Mortgage

XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX dollars taken from my escrow account for insurance. On XX/XX/XXXX and XX/XX/XXXX, The insurance company. ( XXXX ) denies receiving. 
XX/XX/XXXX XXXX less expensive insurer was uploaded into my account. 

I spoke with XXXX of SPS on XX/XX/XXXX My purpose was to find out where the prorated proceeds from XXXX XX/XX/XXXX were. She advises that SPS is still looking into it, Also I am not allowed to see the cancelled check that XXXX XXXX  denies receiving. 
XX/XX/XXXX I spoke with XXXX of SPS He advises that SPS is looking into it. 
XX/XX/XXXX XXXX of SPS states the check was cashed by XXXX XXXX  company. I called XXXX XXXX  company, again XXXX advises they never received the check. 

Additional incident. SPS paid California XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have replaced it with less expensive insurance. on XX/XX/XXXX California Fair plan refunded the prorated amount of XXXX $ for my escrow to SPS. SPS has no record of this. The contact number for SPS XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : DISCOVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with PRESTIGE FNL with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record in 3 Credit Bureaus. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory. 
PRESTIGE XXXX XXXX XXXX : {$17000.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. EQUIFAX, XXXX, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX  I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX  I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXXXXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XXXX XXXX WHICH IS ONLY 5 DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account,, and I can not be disputed it through my banking institution. I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. Thank you for your attention to this urgent issue. I look forward to your response. Sincerely, XXXX XXXX I have attached the XXXX receipt and I am waiting on PR to be mailed as I am not in XXXX GA and I was there at the time my phone was stolen.
Product: Payday loan, title loan, or personal loan

ood afternoon! I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! Let me inform your company of some Laws protecting consumers. XXXX cfr part XXXX talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! There is civil liability for violation of these laws! Please see 15 usc XXXX. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! XXXX XXXX
Product: Checking or savings account

on XX/XX/2018 i deposited a couple checks on they put my account on hold until they cleared. they cleared on XX/XX/2018 one check was for XXXX and the other for XXXX. i called several times and they would tell me that they were closing my account and would send me my funds. this being capital one 360 checking and savings they closed my savings and they say they closed my checking but i can still login and see that the funds are still in my accpount plus they are still paying interest on it i asked the bsank for copy of all the recoreded calls that i had to make with them but no responce so as of XXXX my balance XXXX
Product: Credit card or prepaid card

Was not receiving statements starting in XX/XX/2018. Charges were very small. Bank made no alternative attempt to contact me. Had enough rewards credits to pay the bills but they didn't apply them. They cancelled the card and are reporting me as 30-60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have reached out to XXXX to have RS Clark and Associates collections XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX removed from my credit report since XX/XX/XXXX. The original debt stems from XXXX XXXX XXXX XXXX XXXX. I informed I have never been seen at this clinic and they have sent it back to me as debt verified XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also asked for details of the visit and they have not been produced. I never signed as a to guarantee to pay for anyone 's bill either. XXXX XXXX XXXX XXXX and understand medical billing very well.
Product: Debt collection

this account does not belong to me, and I requested proof with identification of my identification card or signature on file to say I opened it nothing was provided
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX