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

Citi  Dividend  World Mastercard c harged a foreign transaction fee.     When I signed up for the card a few years, the "  World '' Mastercard was not supposed to have any foreign   transaction fee.   I used this card to for a purchase in  XXXX   XXXX .   The purchase amount was  XXXX   XXXX  Citicard applied a 3 % foreign transaction fee, total {$130.00} When I talked with a   Citicard customer rep ( online chat ), she forwarded me the agreement for the card, that had 3 % fee.
Though, I know when signing for this " World '' card, Citi promised 0 foreign transaction fees.
Before making the purchase, I checked my account on citicards.com. The account website does not list this fee anywhere on the screen.
They send the card agreement via mail in 8-10 days.
  Citi card is making this information   difficul t   to find.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a regular payment of {$400.00} by check. Wells Fargo Dealer Services misapplied this as a principal payment and charged me a late fee. 

XX/XX/XXXX LATE CHARGE ADDED - {$16.00} {$0.00} XX/XX/XXXX PRINCIPAL RECEIPT {$400.00} {$11000.00} Description Details Effective Date XX/XX/XXXX Principal {$400.00} Posting Date XX/XX/XXXX Next Due Date XX/XX/XXXX XX/XX/XXXX REGULAR PAYMENT - OTHER {$400.00} {$11000.00} I called and was bounced around their call center as they stuck to the claim that I had requested it be applied to principal only. I asked for a copy of this and was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage 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

I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Neiman Mrcus XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021
Product: Credit reporting

I have requested my credit report many times and Equifax does not comply with my request. I mailed it identification information but still no response. Third parties are being able to see my personal information because Equifax has my information mixed with that of another person. Ca n't get my mortage loan approved because Equifax is reporting the wrong information. This issue has been on going for more than two years. My information dkeeps being mixed with someone else 's
Product: Credit card or prepaid card

The company name Chase Bank. 
Amount {$4000.00} Date : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, Experian has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.
Product: Checking or savings account

Every since BBT merged with Suntrust I have been having problems with my account. I have a business and personal checking account. I have received excessive fees for no reason. I had a dispute from a merchant received a letter stating it was in my favor then the Bank reversed it overdrawing my account {$300.00} and didnt send me a letter until 2 weeks later but no explanation. I tried to get in touch with the appropriate department to see what was going on but no help. Then I started getting random fees on my business account which I hadnt used in a while. Then my personal checking just keep occurring fees also with no explanation. I was told my account could be closed but then the following week I was told my account couldnt because of the negative balance even though the cause is not to me. Usually I would get an email stating what it was that caused the overdraft but I never got anything. Then after I told the representative I would be filing a complaint I now have excessive fees applied to my account. I havent even used my account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I am submitting this claim because I have been the victim of identity theft, which has resulted in fraudulent accounts being reported on my credit file. These unauthorized accounts and activities have significantly impacted my creditworthiness and my ability to obtain credit in my name. 
The accounts listed below were opened or reported without my knowledge or consent. Despite my attempts to resolve this by asking the companies to verify the accounts and provide proof of their validity, including contracts or agreements bearing my signature, they have failed to comply. Here are the accounts and inquiries : XXXX XXXX XXXX # XXXX {$18000.00} XXXX # XXXX {$210.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To date, the companies have not provided sufficient evidence that these accounts are legitimately associated with me, and they continue to report inaccurate information that is damaging to my personal and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.
Product: Credit reporting or other personal consumer reports

As specified by the FCRA 15 USC 1681 section XXXX states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer and XXXX, Experian, and XXXX are consumer reporting agencies. I the consumer have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of these customers nonpublic personal information. XXXX and XXXX are financial institutions by definition under that title. 15 USC 1681 section XXXX a section XXXX states that In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX and XXXX the financial institutions and the consumer reporting agencies XXXX, XXXX, Experian do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX, and XXXX whether it be verbal, nonverbal, written, or implied is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless the consumer is given an explanation of how the consumer can exercise a nondisclosure option. XXXX and XXXX never informed me of my right to exercise this nondisclosure option. Also 15 USC 1681 C ( a ) ( XXXX ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s ( XXXX ) ( A ) ( XXXX ) ( A ) states 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 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer report to the purposes listed under section XXXX of this title. 20 USC 1232 ( g ) ( b ) protects the privacy of student education records. Financial history can not reported without the written consent of the person who it belongs to. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Student loan

I am setup on auto debit payments for rate reduction. I have tried making additional payments to pay off my loans early and they keep lowering the auto debit without my permission, making it so I can not pay off my loans early. I was old in XXXX it wouldn't happen.
Product: Mortgage

Based on the PennyMac response received on XXXX for case number XXXX, it looks like the bank sent my property tax payment to XXXX XXXX County instead of XXXX XXXX County. They need to confirm that the payment was sent to the correct county. Please investigate and let me know for sure when XXXX XXXX County received the payment. Again, I am not responsible for any late fees. PeenyMac should be responsible of the late fees if any.
Product: Debt collection

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint. Despite my open complaints in the CFPB portal, Equifax, XXXX, and XXXX persist in sending me communications through the mail. It seems these companies are attempting to divert the conversation away from the CFPB process. *** The court docket clearly indicates that each company was properly notified of the bankruptcy proceedings : *** - The Bankruptcy Noticing Center ( BNC ) sent the Certificate for the Meeting of Creditors on XX/XX/XXXX. *** - The Bankruptcy Noticing Center ( BNC ) sent the Certificate for the Discharge Order on XX/XX/XXXX. *** The discharge order legally eliminated my liability for these debts. 
According to the Trustees Report, my estate has been fully administered, and all debts totaling {$64000.00} have been discharged without payment, resulting in XXXX balances owed. If your representatives lack training in interpreting bankruptcy discharge documents, this issue should not be managed by them but should be escalated to your bankruptcy or legal department. *** I have consulted with an attorney regarding each company 's collections practices and non-compliance with the discharge, rather than pursuing small claims as I had originally intended. I wish the attorney process was faster, as this stress is causing a significant hardship. However, I will ensure each company corrects this issue. *** Given that every court document I present is a matter of public record, and notices were directly sent to each company by the BNC, I am left to wonder if the companies may be verging on contempt of court. *** Please note the following statement from the XXXX XXXX XXXX 's Report of No Distribution : *** " I, XXXX XXXX XXXX, having been appointed trustee of the estate of the above-named debtor ( XXXX ), report that I have neither received any property nor paid any money on account of this estate ; that I have made a diligent inquiry into the financial affairs of the debtor ( XXXX ) and the location of the property belonging to the estate ; and that there is no property available for distribution from the estate over and above that exempted by law. Pursuant to Fed XXXX Bank XXXX XXXX, I hereby certify that the estate of the above-named debtor ( XXXX ) has been fully administered. I request that I be XXXX from any further duties as trustee. Key information about this case as reported in schedules filed by the debtor ( XXXX ) or otherwise found in the case record : This case was pending for 1 months. Assets Abandoned ( without deducting any secured claims ) : {$4600.00}, Assets Exempt : Not Available, Claims Scheduled : {$64000.00}, Claims Asserted : Not Applicable, Claims scheduled to be discharged without payment ( without deducting the value of collateral or debts excepted from discharge ) : {$64000.00}. ( XXXXXXXX, XXXX ) '' *** I strongly urge each company to acknowledge the discharge and cease collections and debt claims on my credit report concerning these legally eliminated debts. I look forward to each companys prompt cooperation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This account is a result of identity theft and needs to be blocked and removed. This is not my account. I have no knowledge of this account. 15 USC 1681b Account : 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

XXXX is not doing the correct job and protecting as a consumer i have submitted a FTC indentity report and everything and they still allow for this false account ( GM financial ) be reported on my account
Product: Student loan

I made a payment on the due date of my loan. For some reason, there was a technical issue with the company 's website which caused my payment to not go through. Instead of notifying me within 2-3 days of my missed payment, Great Lakes strategically waited until the XXXX of the next month to notify me, causing me a late fee on purpose. They should be required to notify you within 2 days if you miss a payment. This was caused by their system error, not me forgetting to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX and now my credit score XXXX I want to fianc a car I cant because they put my credit score for no reason. And my identity was used I dont know who used it.
Product: Mortgage

iam coming off forbearance and I've asked my mortgage company for a modification. phh mortgage sent me three notices acknowledging the request however when I talk to my loan counselor they say they havent gotten my info and they show in their records I refused the modification my interest is 9 % and could be easily modified but this predatory lending mortgage company is still practices their predatory loan service the feds need to put a stop to this. This loan is under my mothers name XXXX XXXX XXXX which she was their victim of predatory loan
Product: Debt collection

ConServe owns my SBA loan debt, but never attempted to collect on it. Any payments made were collected by Treasury. Despite trying to contact ConServe, I have been unable to speak with them about this debt. For the last two years, Treasury made no collection, and I did not hear anything from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from XXXX XXXX stating that I had a new Hard Inquiry from SYNCB National Credit Cards / Airlines and that if I wanted to dispute it the best way was to submit a complaint through you  guys. I did not authorize this Hard Inquiry and do not know who SYNC B is. I have not applied for any forms of credit or authorized anyone to run my credit recently. I looked up the company online and have seen numerous other complaints about a " Fake company '' Called SYNCB national credit cards / airlines appearing on other peoples XXXX XXXX accounts as hard inquiries, so I am going through you. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian XXXX times once around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The previous complaints were XXXX and XXXX Each time they noted the record was verified and correct. Even after receiving a letter from the clerk of the court stating they do not verify with consumer reporting agencies. On Experian website it states public records come from XXXX XXXX. On XXXX XXXX website it states that the public records it reports it contains errors and information is not 100 % accurate. By doing this violates my consumer rights reporting not 100 % accurate and complete information to my report. Violated by not maintaining an 100 % accurate information on my consumer report. Violations includes including 15 U.S.C. 6802, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b, 15 U.S.C. 1681q, and 15 U.S.C. 1681c-2. This wrong information is hurting me from obtaining credit and purchase an home. Its also embarrassing having this inaccurate not true information on my report. I was told by an agent XXXX XX/XX/XXXX it would be removed in XXXX. Its still on my report this was initiated XX/XX/XXXX for reinvestigation. Experian also use the complaint from the CFPB as an dispute. This is not to dispute but to investigate Experian handling in this already disputed account on my report.
Product: Checking or savings account

The ATM machine at Wells Fargo in XXXX NY has been broken fir some time. The machine jams and logs the money incorrectly. The claims department is rude, not helpful and discredits the customer. I am talking about thousands of dollars miscalculated. The bank says-its counted and you got a receiptsorry ( not sorry ). The bottom line is the machine is STILL broken and they claim no way can there be an error because the machine balances the money. The video cameras at the bank should be used to see that this is blatantly not true and see people losing their money. Instead of looking into this-they claim the bank does not own this ATM. In addition, no one in customer service is friendly or helpful. Not even the executive offices. Run away from this bank of you can-its awful.
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with TRANSUNION and its not reporting much information with XXXX. Also all 3 accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to Cushman v Transunion 1997, XXXX, XXXX, & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Equifax credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX XXXXXXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XX/XX/XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XX/XX/XXXX I sent XXXX XXXXXXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XXXX XXXX XXXX  to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment