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

The purpose of this letter to lodge a complaint against Citibank. The end of XX/XX/XXXX, I called the credit card company to verify if I was eligible for a credit card promotion. You receive XXXX XXXX air miles points if you spend {$3000.00} dollars within the first 3 months of opening a new card. You are not eligible if you open or close a card within the last 24 months, hence the reason I called customer service to verify if I was eligible. I had made this mistake 2 years prior, when they changed the policy from an 18 month to a 24 month waiting period to qualify without my knowledge. I didn't receive the XXXX bonus miles, although I spent the required XXXX dollars. I try to learn from my mistakes so I wanted to make sure I qualified this time and that I indeed had gone past the two year waiting period. The woman at Citibank 's customer service office confirmed that I had, so I applied for a new card which I received in the beginning of XXXX. 
By the end of XX/XX/XXXX, I had spent the required XXXX XXXX dollars. I checked my account and noticed the XXXX points had not been posted to my airline miles account with XXXX XXXX. I called to find out why and was told I wasn't getting XXXX points because the customer service person I spoke to in XXXX had apparently made a mistake. I was shocked. I feel like I have been duped into spending a lot of money for nothing. I asked to speak to a supervisor and then a manager both times told it's unfortunate but they can't do anything to rectify the situation. I demanded to speak to someone else and they said they would have another higher up manager call me from the review department. That was supposed to be within 24-48 hours. They never called. 
I do not feel I should be paying for their mistake, especially when I made sure this time I was doing everything correctly and was told I qualified. If I had been told the correct information I simply would have waited until I was qualified to open a new card. I was denied that option with the wrong information. Now I have to wait another 2 years ( a total of 4 ) to qualify for a new bonus program. We are talking about points not currency. In lieu of good customer service, they should own up to their mistake and award me with the XXXX points I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly. The reference number is  XXXX .
Product: Checking or savings account

I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a XXXX  individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almosXXXX XXXX XXXX at night one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again. I have cancelled my account and have tried to call WellsFargo multiple times regarding their feedback that they required additional information. I was hung up on twice before actually speaking to a representative who told me they did not know what additional information that was needed so they needed to reopen a complaint just to then receive an email saying it was closed because I did not provide the additional information!! How about someone actually call me on the phone and ask for the information. Or when I call back not hang up on me
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Waypoint and XXXX you represent. I did not open or authorize this account with this company or any other company they represent, and I would like to ask that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. Also, Waypoint never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, any reporting of a debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Checking or savings account

XXXX/XXXX/17 i attempted to link this account with the stock for the business line account and got an error message. i ws promoted to file this notice
Product: Debt collection

I would like to start by saying I've personally never done business with IC SYSTEMS. Ive never heard of the company ever. Im not sure how they have obtain my personal information but they are pursing me heavily regarding an debt owed for what? Im not really sure. It says XXXX XXXX attached with IC SYSTEMS on my credit report .Ive disputed this twice and I recently wrote this company to help me resolve this matter. They responded with an offer to pay half of the debt that was written on the letter sent to me saying I owe them. Ive never done business with this company and I do not owe them any cents of any dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened XXXX XXXX Balance : {$270000.00}.
Product: Vehicle loan or lease

Ive made additional principle payments that would not apply to my balance they would only credit it towards the next months bill. I have always paid my car payment on time and more then the normal amount and my balance at one point actually increased. When asked to give a completed payment history they would only give me the last few months. So I was unable to find the discrepancy and figure out him my balance increased and is not going down
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 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account XXXX 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Checking or savings account

Chime opened an account in my name without my consent and without applying reasonable security protocols.
Product: Debt collection

On or about XX/XX/2021, I wrote a letter to Midland Credit Management asking them to stop calling me, and to stop calling my friends and family about a debt I do not owe them. I sent a letter to them at the following address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX. However, over the past several months, I have continued to receive abusive calls and letters from them demanding payment. This company has also contacted my daughter and her husband about me, which I know they should not do, even though I am elderly. Please tell them to stop harassing me about this debt I do not owe them. 

Thank you. 

Kind regards, XXXX XXXX
Product: Mortgage

Seterus Inc, reported a late payment for XX/XX/2015 to my mortgage account and has refused to correct it on the XXXX credit reporting agencies. Although my monthly payment was {$810.00}, I paid the exact amount as stated due, according to their mortgage statement for XX/XX/2015. Being a fairly new client, seeing there was an adjusted stated amount of {$610.00} for that month, was n't unusual, so I paid that amount, which Seterus recorded as paid on XX/XX/2015. I was appalled when I saw that they reported a thirty date late. I 've requested that they take the procedures to update my credit reporting files, to no avail.
Product: Credit reporting or other personal consumer reports

Someone else opened a credit card in my name and I have been trying to dispute it for over a year now, as soon as I found out. It's a capital one card. I never had a credit card and it says the address it was sent too. I don't even know where that is.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XX/XX/XXXX : It appears there was a clerical error in how XX/XX/XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXXXX/XX/XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I was a victim of a scam, they offered me a job and also they hacked my email. My first problem was with XXXX XXXX, and also then XXXX XXXX XXXX. I have the complaint submitted to the police, the evidence and everything proving that I was a victim indeed. I didn't use any money or anything. Also I can't open a bank account and have a normal life for many years now. I need to fix this. The company is giving me vague answers and no help at all. Early warning is the reason I can't have a bank account like a normal human being, it's stressing and extremely upsetting at this point. Because they never seem to help out or have real responses over the phone or by mail. I want to be able to open a bank account, I was a victim of scam and hacking more than 3 times, money was removed from my other accounts many times and also I have this heavy load of not being able to open a bank account with my family.
Product: Credit card

Attempted to pay off card balance in XXXX. Only allowed me to pay off a percentage of it. Called in XXXX and paid remaining balance in full. In XXXX received a bill for {$2.00} interest. Called and spoke with rep who was going to waive the charge. Didnt do it afterall as in XXXX received another bill for a late fee and additional interest charges now owe {$4.00} including XXXX late fee and have reported 30 late payment to credit bureau when I paid the balance in full back in XXXX. Called again todays date XX/XX/year> and was told something different by 3 representatives and refused to allow me to speak to a supervisor and wouldnt wipe out the {$4.00} ; therefore, I paid {$6.00} today and they will now owe me money and I have requested my card to be canceled. They said they have properly escalated my request to a supervisor who will contact me by email after I requested repeatedly to be contacted by phone. Lastly said my card cancellation will be processed once the payment posts but hasnt yet posted ( why I have no idea for the delay as its always done in seconds while on the phone ) but then said my account was closed. So which is it?? It must be illegal to charge interest fees, late fees and report a bogus balance due to the credit bureau for late payment of false charges when the balance has been paid in full. It has now been paid in full again with an overpayment so can I charge them interest on the credit balance that should now be on my account? I have requested a refund check for my credit balance and a letter stating my account is closed with a XXXX balance. The rep also didnt ask my permission to repeat my cc # back to me and just rattled it off along with my exp date and zip code which I know is a privacy violation by federal law.
Product: Debt collection

XXXX XXXX  provide me a letter release if me from the lease and I have a copy of that letter which I provided to procollect!! It was a XXXX XXXX in the complex building were I lived!! I complained to XXXX about it they didn't like it that I complained about the noise and I reported them about code violations! They didn't like it and told me I could be released from the lease!! I said ok respond back and moved out!! Did what that asked on the letter!! 
Two or three months later they send me to procollect!! I called procollect they were very nasty and didn't want to hear me out!! 
I sent a copy of the letter!! They never responded back in which they said they would!! XXXX XXXX  was on channel XXXX news trying to scam other residents! 
I have tried reaching out to the complex but they are under new management! Didn't have a forwarding address!! I have disputed this almost every month with the credit bureaus and a statement is on my reports but procollect refused to comment on the letter I sent!! They T
Product: Debt collection

I contacted XXXX XXXX XXXX  on XX/XX/XXXX for a debt in the amount of {$300.00} which my husband and I wanted to settle. I contacted and spoke with an XXXX and the parties agreed to settle the debt in the amount of {$200.00}. ( Confirmation number XXXX ). {$100.00} was to be paid at that time with the additional {$100.00} to be paid XX/XX/XXXX. As I had another bill that was going to be withdrawn from my account I wanted to make sure that there was enough money in my account to cover both bills. 

Pending POS Debit - Visa Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} When I logged in I was charged the full {$200.00}. When I called back I explained that I had another bill coming out and was going to get charged a {$29.00} overdraft fee. I spoke with XXXX XXXX who informed me that yes I was correct on the payment arrangements. That the only thing she could do would be to refund the {$100.00} but it would 48 to 72 hours by the time it would be returned to my account, just in time to be taken back out not to mention still getting hit with the {$29.00} surcharge. 

Tonight I went back on line and it states that we still owe {$100.00} which I believe they have every intention of attempting to collect it on XX/XX/XXXX FILE NUMBER : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX RECEIPT DATE :XX/XX/2019 Amount of the Debt : XXXX Amount as of XX/XX/19 : {$100.00} This is deceptive and theft since the agreement was for a settlement in the amount of the {$200.00} which they have already received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted XXXX  and Experian trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .XXXX  and Experian have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now
Product: Mortgage

I have a home mortgage with Wells Fargo that has been in place since XX/XX/2013. I have never been late on any payment, and the payment is electronically sent from my account. I sent my payment for XX/XX/XXXX in the same amount i have been paying since XX/XX/2013. Without any notification, Wells Fargo held my payment in " suspense '' because apparently they recalculated the escrow amount and my payment fell {$77.00} dollars short. I was contacted by their collections department and told that I was also assessed a {$100.00} late fee. Wells Fargo had not notified me that my payment had gone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC was contacted to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC was contacted vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, again to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. A copy of the letter sent to the credit reporting agency is attached. " Please remove any other items from my credit profile, personal history because I am afraid that I might be susceptible to identity theft. '' On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC requested additional information from me, to to correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, Consumer sent EQUIFAX INFORMATION SERVICES LLC vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, the requested supplemental information asked. 

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC received US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, from Consumer. 

As of today, XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC has and continues to harm, damage, and injury the ESTATE belonging to Consumers business affairs, by continuing to publish invalid address, phone numbers, employment history, and credit account ( XXXX ) not used or owned by consumer.