23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX has locked me out of my account. I can not access my information. Multiple calls to the customer service line result in the same obstruction - the representative says that they can not verify me because my telephone # ( same one I had when I opened the account ) shows a different name in a database the representative is referencing. And since I'm a CA resident, they also inform me that CA residents can not be verified through drivers license. Multiple times I've been told some 'team ' will get involved and contact me. This issue is more than a week old and no one has contacted me. The net result is that XXXX appears to be blocking my access to money I've deposited or transferred and will provide no solution. I'm reporting to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any INQUIRIES which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX, I noticed my Citibank checking account had {$3100.00} of unauthorized transfer. I immediately contacted the bank and asked for a hold to be placed on my account. The person said it had been done but on Monday XXXX XXXX I was informed by my local branch that the account was not in hold status and another {$550.00} had been withdrawn. I again asked for the account to be put on hold, but the banker was not able to do that and I was forced to call the main bank again. The woman at Citibank I spoke with assured me that a hold was placed on my account ( after grilling me about why I wanted a hold placed and if I WAS SURE that I wanted to block it and that I knew that only I would be able to unblock it ). Then today, XXXX XXXX, ANOTHER unauthorized transaction for {$1200.00} was taken from my account and it turns out my account was never put on hold. The incompetence of this bank has allowed my account to be nearly drained, and though they have eventually given the money back, the stress caused by this incompetence is unacceptable.

Also, the bank pressuring me to open a new account is ridiculous. Why would trust that they could manage that one any better than this one?
Product: Credit card

I applied a bloomingdale credit card on XX/XX/23, and got approved through contacting with agent. XXXX of the credit card features promoted online is 20 % off on the first purchase made on the same day of approval or the following day, and customer can make purchases right after approval. I made a second phone call to make the purchase, but I was told I'm not able to do so, and need to wait for 7 days. I asked to escalate to a supervisor but ended up waiting for more than XXXX hours and hung up my phone call. I feel this is a scam company that uses fake information to attract customer applying for a credit card.
Product: Debt collection

Experian is reporting two very specific things on my Credit Report that are not mine. One is a Name of XXXX XXXX. I have never been known by this name and this name is not mine so this is wrong.this needs to be removed immediately! 

Also they are reporting a collection account that is not mine. I have never been a patient of this place. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Address identification number XXXX This is not mine, this needs to be removed. I have never been a client or patient of this group. But if they have my SS # and have said they have provided service to me they are liars and they are committing fraud. VIOLATION OF XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Acura Financial Services from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from Acura Financial Services in XX/XX/XXXX. I received a bill from Acura Financial Services in XX/XX/XXXX/XX/XX/XXXX for personal property taxes paid for XX/XX/XXXX to XXXX XXXX City in the amount of {$750.00}. 

I lived in XXXX XXXX City in XXXX when I leased the vehicle and moved to XXXX XXXX County in XX/XX/XXXX, which are different taxing authorities. I notified Acura Financial Services of the move and they accurately reflected my address in XXXX XXXX County and sent me correspondence at the XXXX XXXX County address for the remainder of XX/XX/XXXX and XX/XX/XXXX. Taxes were not payable to XXXX XXXX City for XX/XX/XXXX as I did not reside in XXXX XXXX City at anytime during XX/XX/XXXX. 

Upon receipt of the bill, I contacted Acura Financial Services and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from XXXX. I contacted Acura Financial Services and they said they would pull the credit from XXXX and work with XXXX XXXX City to obtain a refund of the taxes incorrectly paid. In XX/XX/XXXX/XX/XX/XXXX I started receiving calls again from XXXX. I called XXXX and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted Acura Financial Services again and they told me they have no record of an amount due. I have fully exhausted my efforts with Acura Financial Services and XXXX and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. XXXX or Acura Financial Services is  incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is Acura Financial Services responsibility to obtain the refund from XXXX XXXX City. I was never late to Acura Financial Services in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX County dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX City.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ownes XXXX XXXX XXXX and I have XXXX credit cards with them. 
XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. it is XXXX XXXX  that is responsible for that fact XXXX is not reporting in a timely fashion. 

I have called XXXX XXXX  and they disconnect the call. 
I have called XXXX and XXXX people both told me they reported XX/XX/XXXX and that XXXX is the XXXX or XXXX that is not reporting the information. 
Finger pointing continues to go on in a time where we can get virtual reports. 

We have a company legal service and plan to call them today to start legal process against them for the lies, and lack of getting our report correct for an upcoming loan for a home my husband and I are working on. I have been reaching out to all of them for a month now.
Product: Mortgage

Trying to access my loan for payment information and access to account, however system says my sign on info is invalid, even though it was not, but when I try to access log in help option, the system says they can not locate my loan/account number or information even though I receive paper statements with my account nbr on it. I also provided information by name, XXXX and ssn, as another option in locating my account information, and I receive the same response that they can not locate my account. Tried multiple times over the last year to call, never receiving anyone from customer service to answer. Sometimes I am on hold up to XXXX hours with nothing but a recording saying all customer service representatives are busy and to continue to hold, go online to make changes or choose the option to have them call you back ... ALL options given do not work. I've seen a large amount of complaints on their XXXX page with the same complaints dating back from 2014. It is IMPOSSIBLE to make contact with anyone to resolve these issues. Same complaints about people not being able to log in, or they can not locate the account number, or no one can make phone contact, or they are on hold 2-4 hours hoping to make contact with an actual person.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent {$600.00} via Zelle to phone XXXX for XXXX XXXX XXXX football tickets and never received them. The phone wasnt answering texts after. I contacted my XXXX XXXX  XXXX XXXX and they told me there was nothing they could do even though I had a number and they refused to help.
Product: Mortgage

At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.
Product: Student loan

When I was in my XXXX, I signed up for the Public Service Loan Forgiveness Program after graduating from my XXXX 's in XXXX XXXX program from a Public University. I was promised " loan forgiveness '' after I make qualifying payments after a set amount of time. However, what I found was that it is extremely difficult to find an employer who qualified for this program. In the state of California, there is a market trend of XXXX XXXX XXXX being privatized, even though they receive public and federal funding to operate. In 2017, I had a hard time finding a job with an employer that qualified for the loan forgiveness program, even though I searched specifically for a non-profit or government agency. Eventually I was offered a job at a for-profit entity and had to choose between being jobless or getting a job with an employer that isn't qualified under the PSLF program. Now I am in my XXXX and feel stuck with a loan that did not account for the market trends of privatized XXXX XXXX XXXX. The interest rates are sky high and I am drowning in debt from this program. I feel completely taken advantage of and failed by my government.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX ACCT XXXXXXXX Balance XXXX : {$0.00XXXX XXXX XXXX Bankruptcy  Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

There hard inquiries that do not belong to me haven't been authorized by me and have to be removed well thank you. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

WENT ON LINEXX/XX/XXXX & WAS ABLE TO ACESS MY CREDIT CARD. THE ONLINE WEB SITE STATED I HAD A LINE OF CREDIT AVAILABLE IN THE AMOUNT OF {$11000.00} WITH A BALANCE DUE OF {$4900.00}. I PAID $ XXXX.0N ONXX/XX/XXXX AND THE PAYMENT WAS ACCEPTED. WENT ONLINE ON XX/XX/XXXX. THE WEBSITE SAID I HAD A LINE OF CREDIT OF {$11000.00} OF WHICH {$9200.00} WAS AVAILABLE I PAID {$2400.00} TO XXXX  OUT THE ACCOUNT. THE PAYMENT WAS ACCEPTED. PLACED AN ORDER WITH A SUPPLIER. TRIED TO ACCESS THE CREDIT CARD ONLINE TO CONFIRM THE ORDER WAS PLACED BUT WAS UNABLE TO DO SO. CALLED CUSTOMER SERVICE TO FIND OUT THEY CANCELLED MY CREDIT CARD. 

I AM UNABLE TO ATTACH SUPPORTING DOCUMENTATION SINCE THE COMPANY HAS LOCK ME OUT OF MY ACCOUNT. I AM TRYING TO OBTAIN STATEMENTS REGARDING MY ACCOUNT FOR SUPPORT DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
Product: Credit card

At The End Of XX/XX/2023 I Did A Blance Transfer With Citi Bank. Iv Been Paying More Then Minimum Balance Then In XXXX Citi Bank Offered Me A Flex Loan To Pay Off Some Of My Debt I'm Think Great I Can Pay Off My Balance Transfer And Others.Well I Received The Loan And Paid Off A Credit Card And My Balance Transfer I Paid Over {$2000.00} Toward My Balance Transfer Or So I Thought Citi Bank Took The {$2000.00} And Put It Toward My Flex Loan WHY I Paid The Balance Transfer!! Now They're Tell Me All Money I Pay Will Toward The Flex Loan Which I'm Supposed To Pay {$170.00} Per Month If Our Agreement Is For Me To Pay {$170.00} A Month The Why Take All The Money For The Flex Loan THEN To Add Insult To They Told Me I Can't Pay Anything Toward The Balance Transfer And When The Balance Transfer Date Is Up I Will Accumulate 29.99 % Intrest Untill My Flex Loan Is Paid Which Will Cause Servere Finacial Hardship 1 ) Why Wasn't I Told This Up Front 2 ) Why If I Pay My Flex Loan Monthly Bill CAN'T I Pay Toward My Balance Transfer It's A Shame Citi Bank Would Do This Knowing It Would Put Me At A Disadvantage And I Would Never Be Able To Pay My Balance Transfer Until The Flex Loan Is Paid And I Would Accumulation High Rate I Could Never Get Out From Under Like XXXX XXXX Did Citi Bank Did Not Deal In Good Faith
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request of you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX Balance Owed : {$15000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Debt collection

EOS CCA has flagged my credit report and everything that i have researched calls this company a SCAM.my account with them they claim is closed so why is it still on my credit report? I do n't feel i should pay this collection agency if it 's closed and has been well over XXXX yrs old if the original company closed the account and i ca n't find who the original company is for verification.i truely believe this company is a scam
Product: Debt collection

XX/XX/24 I found out I had a letter in the mail from my job which I used to work and live at I tried to pay it there in a payment plan with the company XXXX XXXX XXXX I was told by Supervisor XXXX I couldnt make a payment plan knowing I didnt have the money that I expressed to her before I left she told me she would before I left my for a better job she did all this in 3 day time from me saying I quit I was giving a better opportunity I believe all this was to get back at me and hurt me in the long run because I left the job for a better opportunity, and from them treating me on fair so I called pro collections to see if I pay it can it be remove from my credit report or will it get reported a real rude lady told me it wasnt her problem I tried to call back to change card she told me I couldnt it is what it is I will be making a other call on XX/XX/24 to let them know and try again
Product: Mortgage

I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX for double dipping.
Product: Bank account or service

I woke up to an email from Credit Care that an online payment was made for {$500.00}. Which i did not authorize and it will make EVERYTHING including my mortgage BOUNCE. I did not authorize the payment on XX/XX/2017 to CareCredit for {$500.00} XX/XX/2017 XXXX PAYMENT - Date Posted:XX/XX/2017 $ XXXX. 
I called the Security Center at Member Benefits at XXXX and spoke with XXXX. She was not concerned with the UNAUTHORIZED charge and I heard a female voice listening and laughing. I asked to have my account closed so that I may go to XXXX XXXX XXXX XXXX as they are professional and take SECURITY seriously. She said that she could NOT do anything to assist me. I am now writing to the Consumer Financial Protection Bureau, the XXXX and The Federal Reserve to report XXXX for not assisting with my SECURITY of my CHECKING ACCOUNT.