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

Account ending in XXXX Please do not close this complaint. It is NOT a duplicate. Citi has never responded to this issue, please do not close this!

Citi is not handling a dispute accurately. I ordered supplements online with XXXX XXXX The box arrived and was filled with the wrong supplements, I contacted the seller and they sent me a return label for a return and refund or replacement. The items were sent back but they refused to refund me. I opened a dispute and citi has basically ignored the fact and supporting documents. I have proof via email the box was returned and was the same weight it was when received. I have photographs of the contents and confirmed they are items sold on their site. I also have emails proving the company will refund me but then won't. This is a cut and dry case for my bank to step in and file a claim but they have dropped the ball. 

I am now getting charged with late fees and service fees because I refuse to pay on the account until this is removed, this charge is my only balance. 

XX/XX/2018 XXXX XXXX XXXX NC Expand Details
Product: Vehicle loan or lease

I CONTACTED FORD CREDIT SEVERAL TIMES CONCERNING THIS ACCOUNT, WHEN THE PERSON APPLIED FOR CREDIT IN MY NAME AT THE FORD DEALER I DISPUTED THE INQUIRE AND IT CAME OFF AS FRAUD, I CONTACTED FORD CREDIT AGAIN AND TALKED TO A FRAUD ACCOUNT MEMBER AND XXXX XXXX STATED TO ME IT WILL BE CLOSED AND I WAS NOT RESPONSIBLE FOR THIS LOAN. THE PERSON USING MY PERSONAL INFORMATION IS XXXX XXXX XXXX WITH MY EX WIFE, XXXX HAS BEEN ARRESTED AND SENTENCED SEVERAL TIMES FOR USING MY INFORMATION AND NOW IS WANTED STATEWIDE FOR NEW CHARGES.
Product: Bank account or service

I had deposited a check on XXXX XXXX 2014 via mobile deposit for {$350.00}. On XXXX XXXX, {$350.00} was taken out of my account as a credit adjustment and when I contacted Wells Fargo they informed me that I had made a duplicate deposit of the same item on XXXX XXXX. but I never made that XXXX deposit. I went to a Wells Fargo branch and after sitting there for hours trying to figure out where they were seeing this duplicate deposit, they informed me the check had been deposited into her wells fargo account. I filed a fraud claim right away and went down to the police department and file the police report because somehow this woman had stolen the check and which I did not endorse the back of it. therefore Wells Fargo had accepted a non endorse third party check to be deposited which is against their policy so for Wells Fargo to cover their mistake of negotiating the duplicate item, they withdrew the money from my account to pay this woman. it has been a month and a half and they still have not refunded me {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX MOTORS XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Ditech to correct the reporting of my mortgage to the credit bureaus since the beginning of this year, thats right, the beginning of the year. Here we are on XX/XX/XXXX and I still have the same issues. 

In XX/XX/XXXX, Ditech admitted via letter that the information on my credit report with respect to their mortgage was inaccurate. The FCRA Date aka Date of First Delienquency should have been corrected to XX/XX/XXXX. 

I wanted for 5 1/2 months and then pulled my credit reports. To my surprise, nothing changed and the incorrect reporting remained. 

I then followed up with the better business bureau and CFPB about the issue again. 
I recieved two letters from Ditech apologizing for the error. They blamed an interbal system error and said the corrections would be made again. 

Last week, XX/XX/XXXX, I order my credit reports at my expense and low an behold nothing has changed with the reporting of the mortgage. Excuses after excuse, letter after letter admitting fault and incorrect reporting and they have yet to correct the issue with the credit bureaus. How is this even remotely possible. 

I have attached all three responses from Ditech on what the correct reporting should be. One response from Customer Service and two responses from their legal team. ALL SUPPORT MY CASE!!! And yet nobody can send the corrections to the credit bureaus???
Product: Mortgage

I refinanced my mortgage through my existing mortgage holder, 5/3 Bank, in XX/XX/XXXX. At the time I refinanced, my property also had a {$3000.00} special purpose credit program forgivable loan with XXXX XXXX Bank. The XXXX XXXX Bank forgivable loan closed in XX/XX/XXXX and I had been under the impression, based on information that closing agent had informed me, that the interest only payments on it would be accelerated if the loan terminated prior to the stated 3 years for the loan to be forgiven, but that the loan would otherwise be forgiven. During the refinance process with 5/3 Bank, I was informed that the XXXX XXXX Bank closing agent had been incorrect on the interest only payments being accelerated and that the loan would either need to be paid in full or held for a specific period of time. I asked if the loan with XXXX XXXX Bank could be subordinated. The person in charge of the XXXX XXXX XXXX informed that the product would only subordinate if I was refinancing with them. When I asked where in the loan documents I signed did it say that, he stated that they would make an exception for me and would subordinate the loan so long as 5/3 Bank requested it. I went back to 5/3 Bank with the form necessary to subordinate the loan so that I would not have to pay the full amount of the forgivable loan. The 5/3 loan officer who assisted me with the refinance informed me that they could not do a subordination on the mortgage due to the product they were refi-ing me with ( easy home refinance ) would not allow for it. I contacted the XXXXapproved mortgage counselor who I had spoken with prior to beginning the refi. She researched it and spoke with the community lending manager at 5/3 and was informed that it was feasible for the loan product to have a subordination. When I provided this information to the loan officer, she told me again it wasn't feasible. I had to make the decision of proceeding with the refinance with the interest rate from when I started the process or continue to challenge to have the forgivable loan subordinated so that I would not have to pay it back. I chose to close the refinance and pay back the forgivable loan in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with EXPERIAN in reference to some inquires that is listed on my credit report with out my consent. I have a fraud alert placed on my credit report and my phone number is suppose to be on my account for anyone to call me to verify that it was me who applied for credit. I currently have almost 30 inquires that was not authorized by me and EXPERIAN refuses to assist me in this matter. The inquires that are unauthorized are as follows : 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX ( don't even know what this is ) 5.  XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX    XX/XX/XXXX 10. XXXX XX/XX/XXXX I have called the companies and they don't see anything on file becase on these dates I have not applied for anything with these companies on these dates. Please assist me with getting these unauthorized inquires removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit card with Macy 's Department Store. I have previously had a card that was paid in good standing. On XX/XX/XXXX, I received a letter from Macys credit department and my application was declined. I called to get clarity and the lady told me you just did't qualify did I have bad credit. Well I would not have every thought I would be discriminated against. That question should not have been asked to me. I can fathom that Macy 's would train their associated to be so cruel and unprofessional. Based on the Fair Lending Laws and Regulations, I feel because I'm a minority and live around low income communities all of us XXXX XXXX  have bad credit. I was not given an opportunity to explain my Bankruptcy on my credit report which I have established credit since being discharged or an alternate proof I could afford repayments. I was never provided a second chance especially when I had an account years ago and paid it in full and closed it in good standing.
Product: Debt collection

Company has continued to call repeatedly about debt in question. I have requested that they send information directly to my mailbox which I gave them the address for and they still continue to call me. 

Debt collector is XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked Equifax to dispute a collection account that does not belong to me on XX/XX/year>. But the company reported that account belongs to me. There are several other account on my credit report that are not mine. 

I am sure of this because the accounts are open for more than 1 year. I got my SSN 7 months ago only and I have been in XXXX for 11 months only. The information is definitely wrong, I just do not know how to prove that.
Product: Debt collection

I'm inquiring to find out if Westlake wants to pickup or have me return this car. I am 20 days past due and have been harassed every day for the past 20 days. I Have been written up twice at work due to these disruptive phone calls. If this is how Westlake conducts business I'd rather you ask me to return your vehicle because this is insane. I am not going to lose my job do to your representatives constantly harassing me. I could understand if I was 1-2 months behind, but this is ridiculous. I explained to customers service in XXXX I had an unexpexted funeral to pay for and I would be less than 30 days behind for a while until I can get back on track. Why am I being harassed? The screenshots provided shows just one of the numbers calling. There are also calls from 3 additional other numbers. Constantly... all day. Please advise me if you want your vehicle back.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXXXXXX XXXX XXXX XXXXXXXX violations that Experian are furnishing with the accounts. I have previously attempted to fix this problem with Experian, but I see that they are continuing to violate my federal consumer rights that they agreed to uphold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX overcharged me all these fees I got a car for {$300.00} and they charge me $ {$680.00} in fee and it dropped my credit score and with Experian the last like four years I disputed things that I know XXXX  paid for and nothing goes off my record. I believe they fight disputes. I feel like they ignore them and sadly and financial crisis since.
Product: Checking or savings account

On XX/XX/24 at XXXX XXXX  I visited a Chase Bank ATM to deposit {$1000.00}, during the deposit the ATM machine froze, I waited for about XXXX minutes and it then spit out a receipt that said To be sure your deposit went through, please call us at XXXX and the money never was spit back out of the machine. I called the number to file a claim and an investigation was opened while I was still sitting there at the ATM. 

I received a letter from Chase Bank in the mail on XX/XX/24 stated that they did an investigation and the claim was denied. 

I called customer service and had the investigation re opened, I also provided them with a photo of the receipt that was mentioned above. 

I called on XX/XX/24 to check on the status of the claim and they stated it was denied again. I requested information on the details of the investigation but they stated they can not provide details and said there is nothing else that they can do. I asked if I can see the video footage and was told no or if I could speak to someone else and was told no. I also asked for the information of the company that would have counted the money that day but was told no they can not provide that. 

On XX/XX/24, Chase removed {$1000.00} from my account and I am now negative that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX For collections of $ XXXX XX/XX/year> - XXXX XXXX XXXX For collections of {$1800.00} Filed a dispute then Experian claimed to have done an investigation with out providing me with the following Chain of Title, Date of XXXX Delinquency, or the Date of the Last Payment on any of the above collections XXXX- for XXXX XXXX XXXXXXXX- For collections of {$1800.00}, I disputed information and the credit reporting agency has not provide me with the following Chain of Title, Date of Delinquency, or the Date of the Last Payment TransUnion- for XXXX- For collections {$590.00}, I disputed the collection and the reporting agency has not provided me with the following Chain Of Title, Date of Delinquency, or Date of Last Payment And I Used the Fair Credit Reporting Act to let Experian, XXXX, and XXXX know that's this went against the laws provided in the FCRA and using I even got in touch with them on several occasions to resolve the inaccurate information using various Codes such As ; 15 USC 1681, 15 USC 1681 ( i ), 15 USC 1692 ( c ), 15 USC 1692 ( c ) ( 2 ), 15 USC 1681 ( e ), 15 USC 1692 K
Product: Credit card

Fraud occurred on my Bank of America ( BoA ) credit card on XX/XX/XXXX-XX/XX/XXXX. I contacted BoA on XX/XX/XXXX to report. They immediately closed my card, reversed the fraudulent charges, and sent me a new card. On XX/XX/XXXX, I made several returns to XXXX XXXX XXXX and on XX/XX/XXXX to XXXX. After three calls between BoA telling me it was XXXX ' problem and XXXX telling me it was the bank, someone in the fraud department told me that BoA had " upgraded '' their system in XXXX which requires customers to call for balance adjustments each time something is returned back to the old credit card account. Fraud has occurred on my BoA credit card at least once a year for the past several years. I have never before had to be this involved with getting my credits transferred to the new account because it was always treated as XXXX account. After five calls to BoA, I finally reached someone in the fraud claims department who knew of this new system flaw and helped me with the balance adjustments to my new account. Most of the adjustments were correctly reflected as credits to my account. XXXX of them was transferred as a debit. A sixth call, XXXX BoA employees, and 45 minutes later, an employee understood my issue and said I should receive a reversal and credit back in one or two days. Please note this was approximately {$2400.00} that was held up for almost four weeks of calling Bank of America six times. Had I not kept calling, I would not have gotten my money back. A BoA system upgrade should not become a consumer problem! I have been a checking customer with them for 20 years and credit card holder ( of the same account ) for 11 years. I am seriously considering switching banks after this fiasco.
Product: Credit reporting or other personal consumer reports

My account with those screditors 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 payment reported in those account 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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: Consumer Loan

CNAC car creditor keeps updating status on my credit report that should have been removed when the original date was  XXXX  of   XXXX   and  XXXX  wo n't remove it. Its showing up as a paid charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # XXXX, has violated my rights. 


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
Product: Money transfer, virtual currency, or money service

Here 's what happened I was in XXXX I purchased a JPay tablet with a whole bunch of content extra was released from XXXX was instructed to send tablet back to JPay to have them unlock it so it can be used as a regular tablet I did so send it through XXXX this was in XXXX of XXXX  it is now XXXX of XXXX I've tried to contact JPay multiple times via email and their phone number with no luck you guys are my last option I see that there was class action lawsuits or lawsuits against JPay for unpair practices which led me to this so if you have any information that could help me or let me know when I can do or what my rights are please contact me thank you
Product: Student loan

XXXX sold my XXXX Bank loans in XXXX, 2018 to Navient. I am XXXX and XXXX years old. I already am paying XXXX & XXXX a month and XXXX {$45.00} a month. My S. S. I. payments are {$750.00}. I tried to get a forgiveness, but they sent the application to the Dept. of Education. I am currently still in school and I can not stop the program yet. I needed a payment plan that would help include the other private loans from XXXX Bank that were sold to Navient. They said because I am already making no interest payments on the private loans of {$68.00} a month I can not lower any more payments, and they want to start raising payments for XXXX Bank to a total of {$150.00} starting in XXXX, and then, going up from there. I have tried to get some kind of payment plan that I can afford for all the private loans like an income contingent plan. They have offered me nothing and I need help asap. Instead, after I sent all the doctors information and their application, they sent the information to the Department of Education for total loan forgiveness, but that does not stop the private loan payments. They are just trying to delay addressing my application to them by sending the application to the Department of Education. I am willing to make payments but they need to do an income-contingent plan and they are not observing the contract I signed with XXXX for XXXX Bank that forgives loans if you have a physicians statement, which I sent them, in fact, I sent them 2 statements and my S. S. I. income statement. In my condition at XXXX years old, what can I do?