23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear CFPB, I am writing to formally report a discriminatory delay in accessing my XXXX XXXX account, which hinders my ability to set up and manage automatic payments, ensuring timely payments. 

On XX/XX/year>, I was approved for {$4900.00} through XXXX XXXX, a " Buy Now, Pay Later '' service, to cover my purchase totaling just over {$4800.00}. I promptly received an email ( attached ) with instructions on how to access and manage my account. However, I have been consistently denied the ability to set up and manage my online account. 

The issue appears to stem from the verification process required by XXXX. When entering my U.S. cell phone numberone I have used without issue for years and which I also use to access another Citibank credit accountthe system fails to respond. Despite this, Citis representatives, including their Executive Response Unit, insist that the verification process may take up to XXXX  days to complete, leaving me unable to access and manage my account during this period. 

In an effort to resolve the issue, a representative mailed me a one-time passcode, which I verified promptly. However, even after a week, I still can not register for online account access. This excessive delay is not only unacceptable and discriminatory but also raises concerns about potential predatory practices. I believe this XXXX delay is intentionally designed to increase the likelihood of customers defaulting on payments, allowing XXXX to charge additional fees and damage credit scores. In today 's digital age, online account access and autopay are standard practices for making payments. 

I kindly request your assistance in addressing this matter to ensure XXXX XXXX provides timely and equitable account access to all consumers. 
Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I was alerted of an delinquent account was on my credit report on Experian and saw XXXX XXXX has reported a XXXX bill. I contacted the fraud department and was instructed to file a police report and include the last 4 digits of the account numbers the representative named XXXX gave me. I was told to email the police report and my ID to XXXX I then called them and I was told by a representative XXXX  I was unable to dispute the account at this time and I would be held financial responsible. I asked her well who said that she said she was unable to tell me. She said there was no one else I could speak to her contact.
Product: Bank account or service

I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts And Inquiries on Credit Report. 

XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX. XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX {$1900.00} Inquiries XXXX. XXXX XXXXXXXX XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several debt VALIDATION letters for this reporting to my credit. This is NOT my debt.
Product: Debt collection

Telerecovery, is reporting inaccurate Information to XXXX, the bill was paid in full by Medicaid, before I disputed I told the agency " verbally '' and in " writing '' this account was paid in full, and the agency is still reporting the account -- I asked for proof of this debt XX/XX/XXXX- the agency failed to respond, and it's still reporting on my credit file, I have been trying to resolve this issue with the this agency since XX/XX/XXXX I am not getting anywhere with this agency, I disputed this account with this collection agency several times, the agency keeps reporting to the bureaus as " verified '' with no proof of the correct documents- dunning letter , contract bearing my signature, etc ... I haven't received a phone call stating they were going to report this, this is giving me a negative mark on my credit file and is making it hard for me to obtain certain credit opportunities,, I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY
Product: Debt collection

I reached out to the collection agency, William Rush, and associates provided them with information stating that this is not my account nor do I have any knowledge of it and is in fact, a result of identity death I requested proof of the debt, however, have not been provided anything in months Ive disputed the account and for whatever reason its reported as a valid account so now I am falling a new FTC report and police report with these new fraud accounts that are popping up again so that they can be Removed and blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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: Credit card

I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Vehicle loan or lease

No actions were taken n any of them, amountso roughly about {$22000.00}. Dates r as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I wrote to Lexis Nexis on four different occasions to rectify this situation : ( 1 ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages ; ( 2 ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages you removed some info; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages added info back ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages. To no avail did Lexis Nexis remove this information. I recently submitted a certified letter through USPS ( XXXX XXXX XXXX XXXX XXXX ) in which I asked them to please remove all non pertinent information from my report. The letter was documented as being received by Lexis Nexis on XX/XX/XXXX. The XXXX report that was sent was over 30 days old which meant I could not view. Once again this is data that has to be removed. 

The Names, Addresses, Emails, and Phone # s to be deleted/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX my account was compromised. I filed a claim disputing transactions which were marked unauthorized. This included rent payment, utility bills, car insurance and credit cards. I didn't do this. My claim was denied. However, in XXXX I received notification from Center for Medicare and Medicad that a 3rd party vendor had a data breach. The dates were end of XXXX and beginning of XXXX. I asked for my claim to be reopened. This request denied
Product: Credit card or prepaid card

Bank of America is in violation of two Federal laws in regards to a charged off credit card : XXXX. The debt is alleged. 15 U.S. Code 1692a ( 5 ) : The term debt means any obligation or alleged obligation of consumer ( me ) to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

XXXX. I don't have liability for the credit card debt. 15 U.S. Code 1692g ( c ) : The failure of consumer ( me ) to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer. 

In addition, per contract law, credit cards are NOT negotiable instruments, which means they can not be sold or transferred, yet Bank of America did sell/transfer the credit card to multiple debt collectors.
Product: Debt collection

I filed Bankruptcy in XX/XX/XXXX and Nationstar put in a Claim for Nationstar as Creditor then XXXX XXXX XXXX XXXX XXXX XXXX  as creditor. Then claim was denied because they did not have accurate information. I reached out to XXXX XXXX XXXX XXXX XXXX to check to see it they were the creditor and they said they have no affiliation with my property ( XXXX ). Then XXXX XXXX XXXX XXXX shortly after Recorded an assignment to Nationstar so who was Nationstar servicing the loan For. If Nationstar is the servicer, who are they servicing loan for was the question then. Nationstar said they assigned it to XXXX XXXX XXXX what are they servicing if XXXX XXXX  assigned it and no affiliation to property ( XXXX ) Now XXXX XXXX just did another assignment to XXXX XXXX XXXX  XX/XX/XXXX No way if they assign it in XXXX. XXXX XXXX I need an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

in the first to second week of XX/XX/XXXX I filed reports with XXXX XXXX that issued the card as well as my own bank XXXX XXXX XXXX  and XXXX credit bureau about fraud or potential identity theft to obtain a credit card using my personal information. as of XX/XX/XXXX my disputes are still under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out over {$200.00} dollars of Certified letters via mail to All 3 Credit Bureaus on XX/XX/2023. With disputes letters along with copies of my identifications to verify who I was. I asked that all XXXX credit bureaus send me an updated copy of my credit report once the corrections were made/fix/resolved. But all XXXX credit bureaus didn't fix or resolve the disputes or send a corrected/updated credit report. In fact the disputes I sent to them are still reflected on my account as I type this complaint on XX/XX/2023. Which has given the company 4 months of opportunity to resolved my disputes. But they have not.
Product: Credit card or prepaid card

As of XX/XX/XXXX we ran our credit card bill up. We owed {$1400.00} on the XX/XX/XXXX statement. During XX/XX/XXXX I made these payments : XX/XX/XXXX {$2000.00} XX/XX/XXXX {$240.00} and XX/XX/XXXX $ XXXX.The payment date for the XXXX statement was XX/XX/XXXX. The new balance for XXXX was {$4300.00} with a payment due date of XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$2500.00} that is not showing on this statement because no payments were showing but I paid the {$2500.00} before the due date. I did not pay this month in full and accrued interest of {$45.00} which I do not debate. Then in XXXX my amount owed was {$370.00} with a due date of XX/XX/XXXX. I paid XX/XX/XXXX {$130.00} XX/XX/XXXX {$2500.00} and XX/XX/XXXX {$5700.00}. I paid all purchases besides the pending purchases which were the {$370.00} before the credit card close date. I accrued interest which I disputed of {$75.00}. I was told by TWO citi representatives if I pay the credit card off full in two consecutive months, then the interest would stop accruing. So on XX/XX/XXXX I paid XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX as the purchases posted. Then on XX/XX/XXXX I paid the remaining posted purchases of {$820.00} before the credit card close date and YET they still charged me interest of {$6.00}. I contacted them again and because my XXXX has a remaining statement balance it was not considered " paid in full. '' I have never had a credit card company that required me pay two consecutive months to stop interest or have I ever had a credit card charge me interest when I have paid the credit card down to a XXXX balance beside pending purchases. I am a XXXX member and when they switched from XXXX XXXX, we had no say. There was no paperwork we signed. To get a copy of the card agreement you have to request it. This is by far the worst credit card I have ever had. Citi does not allow customers to pay pending purchases online and XXXX XXXX allowed me to. I could eliminate some stress if it allowed me to pay pending purchases but they are using this as leverage to charge interest to customers.I don't see how a credit card company can charge interest when the card was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit report
Product: Vehicle loan or lease

In accordance to the Federal Fair Credit Reporting act, this creditor have violated my rights.

Under 15U.S.C1681 sec. 602 ( 4 ) states I have a right to privacy.

15U.S.C1681 sec 604 ( a ) sec 2 also states consumer reporting agency can not furnished account without my written instructions.

15U.S.C1666 ( b ).

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.
Product: Mortgage

Rocket mortgage closed my loan and my son 's loan on XX/XX/2021 ... .i did ask their loan servicer - who works for rocket mortgage- to remove escrow from my loan before closing, now after i paid my first mortgage, i found out that escrow is being added to the mortgage and not removed as agreed. i called rocket mortgage escalation team and they rudely informed me that this is their policy. i spent hours going through my loan and closing documents and nothing i signed shows that i have to keep the loan for 1 year before closing. i requested clarity from rocket mortgage and no one was able to give me an answer.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I initiated a CashApp transaction XX/XX/XXXX of {$40.00}. This was debited from my bank account balance the same day. 

An XXXX hold transaction for {$40.00} was initiated by CashApp XX/XX/XXXX. 

The funds were sequestered and were paid to CashApp. 

I reported the incident to my banking institution. They investigated and found the transaction on XX/XX/XXXX was not authorized. They credited my account for the {$40.00}. I moved the funds to my CashApp card for holding. 

I made an XXXX purchase with my CashApp card for {$10.00}. My balance left was {$29.00}. 

The funds were removed arbitrarily and have no transaction data to show where it went. 

I reported to CashApp both telephonically and via the app. 

The telephone customer service advocate hung up on me abruptly during responding to my call, the in-app XXXX arbitrarily stated that the card transaction was declined and the XXXX debit was initiated and ended the transmission, a second in-app XXXX mirrored the same as the first XXXX 

I explained I was holding the {$40.00} that was recovered successfully by my banking institution on CashApp and it was now gone. I attempted to report fraud to CashApp for this. My reports were rejected and conversations disconnected and/or ended without the financial institution initiating a claim or assistance with filing a claim to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

Accounts Reason This collection is not my account. 

XXXX XXXX XXXX This collection is not my account. 

XXXX XXXXXXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX never made a late payment on this account, please correct. 

XXXX XXXX  XXXX BANK I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Checking or savings account

Today I have got a call from Wells Fargo saying my debit card was closed out today because I did many disputes. I can't get a new one until the XXXX of the months, and I can't wait until the XXXX months. I need a new ASP. I have to call back and asked the agents for a replacement, and they ask me for a reference number for a stolen and lost card. Still, I told them I did not know it, and when I called in, the agents asked me for my high-security consumer password. I give it to them, and they told me they couldn't help me if I don't know the reference number. I want a replacement card ASP and have the stolen and lost card reference number removed from my account or tell it to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX  I stepped in at a Bank of America and waited in line for XXXX minutes and teller was helping me she wouldnt give her name inpresented my work check to be cashed and said that she couldnt cash it and said it was passed the check cashing limit and I asked to show me her policy on that went to get another XXXX  XXXX and she ran the check through there device and she said since its not a commercial  account I was not able to cash it and asked me to go back to my boss and get it split to be able to cash the check and then asked for business cards and said she didnt have any and wrote down the customer service number on a blank receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXXXXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.