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

Called credit card company XXXX to ask for approximate date of next bill statement and amount and was told it would be XXXX and the minimum payment would be {$230.00} and credit limit was {$20000.00} which is recorded for quality assurance. On Monday XXXX went to use the credit card it was denied. I called Citibank and they adviced me that they reduced her credit limit to the amount owed and she has an {$8.00} credit limit. On XXXX a new card was received because the expiration date was soon arriving, on the new credit card it has the credit limit listed as {$20000.00} which I was previously told ( attached is a picture of that information ). The bills have been paid in a timely fashion and I have been a client since XXXX. To go through a worldwide pandemic and have credit limit decreased or just taken away at this time when all other institutions are expanding credit in order for people to survive is appalling to me. This is either because of my age or political views which is against the law and will flow up with the ombudsman pending 15 day review. Thank you XXXX at the Bureau of Consumer Financial Protection for whom I spoke to XXXX and for advising me on the process. It is greatly appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Bank account or service

I applied for a citi " gold '' checking account and enrolled in an offering for XXXX XXXX XXXX miles upon completion of terms. I confirmed via chat message that I was enrolled, that I had met the terms, and that I would be receiving the miles " after XXXX ''. I subsequently incurred monthly fees on the account waiting and when I inquired XXXX and XXXX I was told citi would not be honoring the XXXX miles as I was not " targeted '', despite having enrolled online and having confirmed it via customer service representatives online that I would receive the miles.
Product: Debt collection

Re : file no. XXXX Dear : On XXXX XXXX XXXX The Law Offices of Gregory Alexandrides , LLC contacted me by mail about a debt they were attempting to collect and identified the debt as a Intent To Create A Lien on my property. I provided receipts, with payments made on XX/XX/year> in the amount of {$97.00}, XX/XX/year> in the amount of {$50.00} and XX/XX/year> in the amount of {$100.00}. If I received a notice from XXXXXXXX XXXX XXXX in XXXX about this {$290.00} balance, and I have paid a total of {$240.00}, before The Law Offices of Gregory Alexandrides , LLC reached out to me with a notice. It means I do owe {$290.00}. and they are adding fees and unnecessary penalties to a balance in which has already been paid. I have attached all documentation.
Product: Consumer Loan

I moved from paying my car loan once a month to weekly to reduce the high interest rate. My payment was due on the XXXX of every month, so I made the normal payment of {$570.00} and then the next Friday, I paid XXXX and set it up as a recurring weekly payment through my bill pay with XXXX. These check when sent are withdrawn immediately from my account. It was almost 4 weeks later that I received the first check back with a letter from Santander. The letter stated that the account number listed could not be located. ~The account number is clearly printed at the top of the checks.~ I have tried to resolve this issue with them, but even the Office of the President is not making any progress and I am now 3 days late for the payment and interest and late fess have started to accrue. There is no problem with the payment, the checks or the account. However when I call in to the Presidents office my phone call is " answered '' with no one speaking for up to 30 minutes, when I call from a friends phone I can get through to them immediately and then am given an excuse like they are researching the matter and if this was their fault they will refund excessive fees, but will not put that in writing to me. I feel I have no other options for making my payments and have no where else to turn to pay my bill. 
I have made 12-15 phone calls about this, spent more than 25 hours on hold or getting bumped from department to department. I am exhausted of this and just want to pay my bill.
Product: Checking or savings account

This complaint is request a root cause analysis ( RCA ) on why my original compliant XXXX took over 100 days to resolve and caused me to get legal representation before Chase would acknowledge that I was right and return my funds. Chases internal processes, procedures & people were incorrect and were requiring me to produce documentation that the courts said was unnecessary, not legal and would not produce. My legal council did not produce any documents that I had not already provided other than the explanation letter on why Chase was legally wrong for holding my funds. I as an individual tried to resolve the matter without legal representation and Chase would not help me, they were very dismissive and even made the comments that my funds would be given to the government after a period of time if I did not produce the documents the courts would not produce. After getting legal counsel, Chase acknowledged that all correct documentation was received and Chase still took 40 days to return my funds. This internal issue caused me to not have access to {$20000.00} for over six months and thousands of dollars in legal fees to give me back was rightfully mine from the start. I am fortunate that I had the funds to protect myself from this Bully bank but how are these incorrect processes, procedures & people impacting others who are not as fortunate to have the resources to protect themselves from this Bank? I can only imagine the amount of funds Chase is holding of other people. I want a RCA on my case with known corrective actions and for Chase to reimburse my legal fees and pay me 6 % compounded interest that I lost due to their inadequate process, procedures & people. How are we going to hold this big Bully bank accountable if there is no consequences to their actions?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX phone account over 3 years ago. I cancelled service. Turned in all equipment and got service immediately from another carrier. They continued to bill me without me even knowing. I never received a bill or statement due to the fact that I relocated
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA 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 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: Checking or savings account

Subject : Formal Complaint Regarding Account Closure and Poor Service Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Mercury Bank regarding an unacceptable account closure and lack of communication during a critical period. Below is a detailed description of the issue : On XX/XX/XXXX, I deposited a check through Mercurys mobile banking platform. The next day, I received an email instructing me to endorse the back of the check with For deposit only to Mercury Bank. I complied promptly, and the bank confirmed that the check had cleared. 

However, just a few days later, Mercury Bank suddenly closed my account without providing any explanation. I was not informed whether the funds from the check were successfully deposited. 

This incident occurred during an already challenging period. My business address is located only XXXX miles from the recent wildfires in XXXX XXXX, forcing us to shut down operations temporarily. The funds from the check were essential to maintaining my business during this time. 

Additionally, since the check was marked for deposit only to Mercury Bank, I am now unable to deposit it into another bank. This has caused significant financial hardship. 

I reached out to Mercurys support team via email to explain my situation, but it took them over a week to respond with no helpful information. Despite my efforts to contact their customer service by phone, I was repeatedly told that their policies do not allow for direct assistance and that I must communicate exclusively via email. This level of customer service is unacceptable, especially given the circumstances. 

I respectfully request that Mercury Bank : 1. Provide a detailed explanation for the account closure. 
2. Clarify the status of the check deposit and release any funds that were deposited. 
3. Improve their customer service processes to accommodate urgent cases like mine. 

I would appreciate your assistance in resolving this matter as quickly as possible. Thank you for your time and understanding. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX XXXX because of it. I have not given
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

SOUTHWEST CREDIT SYSTEMS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

SOUTHWEST CREDIT SYSTEMS have used abusive, deceptive, and unfair debt collection practices. 

SOUTHWEST CREDIT SYSTEMS have violated my consumer right to privacy, I NEVER gave them any my information directly and SOUTHWEST CREDIT SYSTEMS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the SOUTHWEST CREDIT SYSTEMS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these collection with the credit bureaus 3 months ago and have not received results. I find it weird that XXXX was the only one who deleted the accounts. All the other bureaus have not even conducted an investigation. If they have, I am 100 % sure that they were not able to verify the debts because XXXX couldn't. Don't they get the information from the same creditors? Hmmm. Anyways it has been over 30 days and after doing some research of my own I realized that these accounts must be deleted because the investigation took longer than 30 days 611 ( a ). 
Please delete these accounts.
Product: Credit card

I requested payment assistance from Capital One due to the XXXX XXXX loosing our home since XX/XX/year>. Capital One has nothing to help me with. I am requesting payment deferral while we are homeless, and hungry and work thru all this.
Product: Vehicle loan or lease

I went to the XXXX XXXX dealership on a Saturday a few weeks ago to get aXXXX XXXX XXXX  XXXX. They didn't have the options I wanted and called another dealership that had the VIN of a car that matched my specs and negotiated a swap. XXXX XXXX had me fill out the paperwork for that VIN and told me they would get me the car the next morning. They then submitted that paperwork to XXXX XXXX even though the car was not in their possession. Sunday came and they were not returning my calls asking what was going on. Finally, at XXXX I got a call back that the other dealership sold that VIN already but they found another match at another dealership to do a swap with but would have to come back in and sign more paperwork. Frustrated that they had lied to me and wouldn't return my calls all Sunday I told them to cancel the deal as it was invalid anyway. I am receiving bills though. I contacted XXXX XXXX and they claim they can not do anything. I have an open case with their Customer Care department which has not done anything for 3 weeks. I contacted the dealership directly and have emails from their finance manager who created my deal saying they would resolve this more than a week ago. I  called XXXX XXXX again today and was told I'm in collections because my bill is past due. I called Customer Care today and talked to a supervisor and this has been escalated to a national office, but I can not contact my case manager and have not heard from them. I have to wait and hope that they actually contact me themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX OPEN BALANCE {$8900.00} OPENED XX/XX/2022 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agenc

y 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the companies associated with these accounts, and they have acknowledged the fraudulent nature of these accounts. They have assured me that the accounts will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 


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 or other personal consumer reports

I paid a lot of money for a service that was not delivered
Product: Credit reporting or other personal consumer reports

i ve been in the XXXX XXXX over seas for years and my own family members used my identity and opened accounts under my name so many times and even got phones and internet under my name and opened all these accounts while i was over seas i called the cops and made a case XXXX time the last one was ( case number : XXXX ) agent XXXX and i went to a lawyer to threaten them by law that i will sue them i attached the letter it was in 2019 and still everything is on, 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. 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, other than records of convictions of crimes which have dates the reports 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 these are all the tracking number for all these certified letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Navient ( formerly  XXXX   XXXX   ) ha s taken my private student loan and turned it into a repayment extending to 17 years! At this rate I will pay back {$87000.00} for a {$24000.00} private student loan. While the rate is variable between 6.0 % - 10 %,   Navient has not been shy about jacking the rate to 10 % for the last couple of years.
I should n't have taken the money, but they definitely should n't have given it to me! I come from a low income family and had little financial understanding when signing my life away. Now that I am more savvy, Navient has made it difficult for me to optimize my student loan repayment process.
For years now I have attempted to remove my cosigner ( who now has terrible credit ) just to have another Navient obstacle put in the way. The private student loan is currently so high that no other lenders will consider refinancing it given my income ( regardless of my husband 's income ). Now tha  t I 'm a stay-at-home mom, my chances of releasing a cosigner seems even more bleak since I have no income.     Customer service is rude and unhelpful every time I call. I have added my husband as someone authorized to speak on my account and they lost record of it. They make it seem as if I am already taking the most optimal path to liberating myself from this crushing debt.     Their website promoted a 0.25 % interest rate decrease for signing up for autopay. While I saw the benefit initially - my loan is now being charged as if I had never enrolled.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX  Delete this account because you are inaccurately reporting ( I ATTACHED MY CREDIT REPORT ) XXXX - Delete this account because you are inaccurately reporting ( I ATTACHED MY CREDIT REPORT ) You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX 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 : Account Number : XXXX : Balance : {$9900.00} - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX : Account Number : XXXX : Balance : XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2000.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$410.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : $ XXXX Date Opened XX/XX/XXXX Unauthorized inquiries 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
Product: Credit reporting or other personal consumer reports

I recently had a chance at review of account activity for navy federal credit union which still reads inaccurate nothing was done at fixing lies false bad business practices and disparities. I will continue disputing this matter w/XXXX  and all other 3rd party affiliates experian credit match. You all are mistaken me with someone else ; who made a recent payment of {$36.00} as of XX/XX/24? Please tell me I'm really interested in knowing how the account remains open because I never had a card for {$5000.00} again the only credit limit I had was for {$3500.00} which was paid off and the account was closed by branch manager. We still going in circles over the same if not worst scenario.
Product: Debt collection

I currently have an open auto loan with Prizm Financial XXXX XXXX XXXX which unfortunately is overdue, as a result of hardship. I receive regular communication regarding my account via email through different team members in the collections department. More recently, Ive received several emails from XXXX XXXX that can only be described as harassment and antagonistic in nature. By the very definition, XXXX communication tactics are verbally abusive. As I found the weight of behavior becoming too much bear, regardless of debt being owed or not, I exercised my rights, outlined under the Fair Credit Reporting Act, and asked XXXX XXXX to cease all contact with me, as there are other representatives who can communicate with me concerning my account. Even after 2 attempts, clearly outlining my request for her to no longer contact me, she continued to do so.