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

I made a payment on XX/XX/2021 of {$310.00} which was the balance of my XXXX CapitalOne card at the time. I saw that the payment left my XXXXXXXX XXXX checking account on XX/XX/2021. I called today XX/XX/2021 and was told that my available credit would not be updated for 26 days because there was a " hold '' on my payment. I've never heard of such a lengthy hold. I offered to have them contact my bank to let them know that funds had been cleared. They kept saying it was a system limitation and have given me no reason for the hold and that is why I am complaining. I have a right to know why my money is being held. I also asked that they reverse the payment and they refused. They are holding my {$310.00} without explaining why. My ultimate concern is that they are preventing card holders from paying off their balances frequently so as to force consumers to hold a balance to earn interest.
Product: Debt collection

I noticed I had a debt collection on my credit report. from Bridgecrest for accountXXXX. I sent a request for a validation of this debt to Bridgecrest via mail on XX/XX/2022 per my rights under the Federal Debt Collection Practices Act. As of today, XX/XX/2022, I have not received any validation of this debt. They have not responded to me in the necessary amount of time and I would like this debt removed from my credit report.
Product: Debt collection

A company by the name of XXXX XXXX XXXX XXXX XXXX contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of PayPal but I've reached out to Paypal countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TransUnion sent me a letter about an " illegible '' complaint, providing file # XXXX. However, when I checked their website, I couldn't locate any record of this dispute. TransUnion claimed part of my submission was illegible, but everything I've submitted to them, as well as to the CFPB, has been electronic. Given my trust issues with TransUnion 's business practices, I'm concerned this letter might be a tactic to claim I havent responded and eventually dismiss my charges. This could impact my case involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant find any reference to file # XXXX on their website, which leaves me unable to respond properly. My CFPB Complaint number is XXXX continuing this falsified record on my report is causing me great financial harm in my ability to find housing due to a natural disaster area. I have submitted emails, lease renewal emails, new leases and move out reports and still fond in favor of XXXX / XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Edfinancial consistently reports my loan balance being {$20000.00} higher to the credit bueau than what is reflected on its website. My balance has been $ XXXX since the end of XX/XX/2022, however, for the last several months they continue to report my balance as $ XXXX + $ XXXX.
Product: Credit card or prepaid card

Been trying to pay my card but they will not let me change my phone number so I can pay it ... They do not have a physical place to go, cant help over phone or on the internet ... They say they sending a confirmation in the mail but dont ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of a security breach and fraudulent activity on my report and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.
Product: Debt collection

I was contacted by the Payroll manager on behalf of my employer XXXX XXXX XXXX XXXX that a garnishment withholding was scheduled instituted by XXXX and XXXX on behalf of XXXX Bank for the amount of {$XXXX} XXXX XXXX who resides at resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX with the social security number on paperwork is XXXX in which there is no affiliation with the social security number or address to cross reference pertinent information. I want to simply know how did this mistake handling with no one verifying the social security number.
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. 

1 ) XXXXXXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of Ed/XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXXXXXX XXXX XXXX  XXXX XXXX These accounts have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.
Product: Vehicle loan or lease

My lease buyout payment with Kia Motor Finance/Hyundai Capital America was sent certified on XX/XX/23 and posted to my account on XX/XX/23 in the amount of {$18000.00}. I intend to sell my vehicle privately and have been delayed due to the poor service of KMF/HCA and a continued problem with releasing my title. I have been continually asked to submit an Odometer Disclosure Statement which I have now provided 5 times in total with XXXX resolution. I have spoke to three reps of KMF to get this resolved, including emailing the form directly to management whom assured me it would be posted within the hour. This did not happen. I have receipt of providing the form for two occasions. One for XX/XX/23 and one for XX/XX/23, attached. Remaining times Ive submitted the form were verbal receipts. I am losing resale value in my vehicle due to this negligence.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card

I was XXXX from XX/XX/XXXX till XX/XX/XXXX, during this time I hired someone to dispute a late payment on my credit report. When I contacted the individual ( XXXX XXXX of XXXXXXXX XXXX XXXX ) he asked for my information to my XXXX account, XXXX account, and XXXX account so he could get an assessment of my credit report while not pulling my actual report. After I provided the above information he/the company somehow attained my credit card account numbers for my NFCU Visa Platinum credit card as well as my XXXX Platinum credit card and charged the cards {$15000.00} for my NFCU Platinum credit card and {$10000.00} for my XXXX Platinum credit card. These charges were processed in XXXX XXXX, and neither company was willing to refund the charges.
Product: Credit card or prepaid card

I opened an American Express XXXX credit card on XX/XX/XXXX with a welcome bonus offer stipulating : [ I ] must charge {$5000.00} ( the " Threshold Amount '' ) of eligible purchases on the XXXX XXXX  from American Express within the first 6 months of Card Membership to earn the XXXX points starting from the date [ my ] account is approved. According to the chat feature with representative XXXX on XX/XX/XXXX, " [ I ] have time till XX/XX/XXXX '' to incur the minimum spending in order to receive the welcome bonus ( XXXX points ). 

According to a spend report generated through AmEx ( attached summary and individual purchase descriptions ), I spent {$5900.00} during the relevant period of time ; however, {$550.00} of this was the annual fee, which is an ineligible purchase. I have in writing that " Eligible purchases are purchases for goods and services minus returns and other credits and do NOT include : fees or interest charges ; purchases of travelers checks ; purchases or reloading of prepaid cards ; purchases of gift cards ; person-to-person payments ; or purchases of other cash equivalents. This applies to all of my card purchases except for the annual fee, so the result is {$5300.00} of eligible purchases in the first six months of membership. Yet nearly a year after opening my account, I have not received the welcome bonus.

Via the chat function, I inquired about my lack of bonus a few months after having met the minimum spend. A representative told me to wait a bit longer for it to post to my account, so I continued until XXXX or so. At that point, still not having received the welcome bonus, a representative manually computed themselves whether or not I had met the criteria : they affirmed that I had! They opened up an internal " investigation '' to amend the matter. A few weeks later after checking back multiple times, I was told rather brusquely that I had not met the required spending. Their investigation claimed I had spent only {$4200.00} in eligible purchases, but they refused to give any further details ( i.e. noting major purchases which were misunderstood as ineligible, etc. ) or anything to explain the > {$1100.00} discrepancy. They refused to re-open the investigation, release a list of purchases deemed ineligible, or give any sense of transparency to the determination.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

I am posting this proof of judges ' corruption ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) and criminal activity on the public record for people to see how deep is the fraud on New Jersey State. I know no one is going to help my family since it is easy for the courts/bank to steal my family 's home instead of provide justice and do what's right. 

XX/XX/year> - The bank confirmed that they are the servicer for the account which is assigned to XXXX XXXX. The bank has no standing to foreclose. 

XX/XX/year> - Appellate Court Judges XXXX XXXX XXXX and XXXX XXXX XXXX XXXX denied my appeal without any explanation, bases for the denial, and without examination or finding of legal error. Appellate Court did not exercise its discretion and did not perform its duty.
Product: Credit card or prepaid card

I have been disputing a credit card that is reporting on my credit reports. Bank of America is the bank. XXXX has finally removed this account off my credit report However XXXX and XXXX are still reporting it. I keep disputing it and I keep getting the results of the investigation are that the account has been verified as mine. I just put this dispute in with XXXX again 3 days ago and they got the results of the investigation within 3 days? Unheard of. I was always told I have to allow 30  days for the investigation I also explained in my dispute that XXXX has responded to delete the account and XXXX and XXXX should be receiving the same response. I spoke with corporate office supervisor and explained that I did not make these purchases. I received a call back from corporate office a week and a half later and was told because it 's fraudulent charges they will send me paperwork to fill out and return which I did. Finally XXXX removed it but XXXX and XXXX are not doing a thing about this and my credit score is being ruined
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Debt collection

Collection of 2019 not owed show in collections of {$2100.00} XXXX credit bureau did accept my dispute but not Others. 

XXXX has XXXX different collections for XXXX XXXX XXXX and keep changing reported dates.
Product: Checking or savings account

I applied for a new checking account with Citizens Bank XX/XX/21 ( Application # XXXX ). On XX/XX/21, I received an email from Citizens stating that my new account was open and a {$50.00} transaction was processed from my debit card ( from another institution ) to fund the account. At this point, I setup an online account to access my new checking account and setup my paycheck to be direct deposited into this new account at Citizens Bank. I opened this account under a promotion offered by Citizens Bank for a {$400.00} bonus for opening a new checking account with direct deposit ( Promotion code = XXXX ). 

On XX/XX/21, I received in the mail a new debit card for this account. When I called the number to activate my debit card, I was instead forwarded to a representative. He said there was a problem with my account and he needed to speak with a supervisor. After waiting for a total of 45 minutes on hold, the representative told me there was nothing he could do to help me and nothing he could tell me about the problem. He said I should wait for a letter in the mail which would come in a day or two. At this point, I also realized that my online account was locked and I could no longer access my account. 

On XX/XX/21, I finally received a letter from Citizens Bank. It stated that my account had been closed. It offered no other information other than vague threats like " If you continue using this closed account, we will be forced to place a freeze on it. '' In fact, earlier that day my paycheck in the amount of {$500.00} was direct deposited to this account, as I had set up earlier. 

The letter also claims that they will send me a check for the balance at some point in the future. But they have no right to hold my money. They have already held {$50.00} for more than 2 weeks and now they are also holding an additional {$500.00} from my paycheck. Furthermore, as I have set up ( and they have received ) the direct deposit required for the promotion they offered me, I am now due the {$400.00} bonus that was promised. At this point, I have no idea when I will get my money as they have refused to speak with me on the phone. The letter I received is signed by " Fraud Operations '' but it seems clear that Citizens Bank is the one perpetuating a fraud here. The have enticed me to sign up for an account under false promises of a bonus, and then locked me out of access to my own money. 

I have attached screenshots showing the promotion that was offered and the promotion code attached to my account application. I have also included a copy of the letter I received. Finally, I can not provide my full checking account number as I have been locked out of online access.
Product: Mortgage

I upped the coverage on my property as my agent and I agreed that I was underinsured for replacement value. This took place XX/XX/XXXX with XXXX XXXX via XXXX messenger. The policy remained with the same company, XXXX. To my knowledge after accepting the binder, that was the end of it. Fast forward to Monday, when we reached out to farmers to file a claim for hail damage XX/XX/24. Between multiple calls to them we are informed that our policy was canceled due to nonpayment! Nowhere in the past 3 months was I EVER contacted by anyone in regards to this, mind you the difference in premium was XXXX dollars. XXXX claims to have sent request fkr payment 3 times. Freedom mortgage on calls today said they had no correspondence related to this. As it sits, I am told I am high and dry with a huge hail damage claim that XXXX is saying I am not covered on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}
Product: Student loan

My federal loan are on the XXXX program. 
With the stay that was issued on XX/XX/year> my loans are to be at a 0 % interest rate. My loans still carry an interest rate and my balance keeps increasing. 
I have called and messaged Mohela and was told I would have my interest rate set a 0 % and my balance will return to what it was on XX/XX/year>, but it has not. 

I have wasted over an hour on the phone and sent 5 messages to get this taken care of since XX/XX/year>. Since XX/XX/year> my balance has increased almost {$350.00}.
Product: Checking or savings account

On XX/XX/XXXX we issued Ck # XXXX to XXXX XXXX XXXX in the amount of {$15000.00}, mailed it to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX. Few weeks later XXXX has advised us that they have not received the check. We immediately provided the information by sending them the front and back of the check. To our surprise, XXXX notified to us that they have no record of depositing the check via mobile. Nor did they recognize the signature/.endorsement. Also it showed Pentagon Federal Credit Union Routing # XXXX. We reported to our bank, XXXX XXXX at their Fraud Department. Since last year, XXXX XXXX has been handling this matter. On XX/XX/XXXX, we received a letter from them advising us that they have completed their research of our claim related to Ck # XXXX. However, they were unable to credit our account due to lack of response from Pentagon Federal Credit Union. On XX/XX/XXXX called the customer service of Pentagon Federal Credit Union. Asked which department that could address my concern. The customer service refused to route my call. In short, very uncooperative.
Product: Debt collection

These people CALL MY CELL Phone and CALL my HOME number. 
They leave messages on my Cell phone to contact them. Last week on XXXX/XXXX/2015 i returned a call. The agent there said that my number should have been removed. IT WAS NOT i received another call today XXXX/XXXX/2015 at HOME and on my CELL phone again. The issue is that they are trying to reach my SON. WE have the SAME name Except i am XXXX. he is XXXX. the debt is HIS not MINE. 
That is what i told them yet they still call MY NUMBER.
Product: Checking or savings account

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : I hope this letter finds you well. I am writing this complaint regarding an issue with Citibank that has been going on for the past 5 months. On XX/XX/XXXX I deposited an expense check, in the amount of {$1300.00}, from my company, XXXX XXXX XXXX, via CitiMobil app. This check was deposited a second time by mistake on XX/XX/XXXX onto XXXX XXXX. XXXX XXXX was made aware of the mistake by me the next day and they started the process to return the money that was deposited for the second time to XXXX XXXX. XXXX XXXX   returned the money to XXXX on XX/XX/XXXX and the issue was settled. On XX/XX/XXXX I received a notification from CitiBank that they have deducted the deposited money {$1300.00} from my account. During the past 5 months I have contacted Citibank Customer service more than a dozen times, had in-person branch visit and sat down with the banker, providing them proof that the money was deducted from the companies account yet they never refunded the money to XXXX. They refuse to give me a clear answer as where this money went because XXXX XXXX did not receive their refund. Citibank is also adament in returning the money back to my account. XXXX, who is XXXX XXXX XXXX XXXX, has initiated a case per request of the company to investigate where this money is and why Citibank is not returning it to me or them. There has been no repsonse from Citibank Customer service despite our best efforts to fix this issue. I have attached proofs and documentation for your viewing and would appreciate your help in this matter. The documents attached are : 1-A copy of the letter sent by Citibank 2- A copy of the check ( Front and back ) 3-A letter from the CEO of  XXXX XXXX XXXX sending the copy of the XXXX statement 4-A copy of XXXX ( XXXX XXXX XXXX ) which shows the money was cleared from their account on XX/XX/XXXX and XX/XX/XXXX 5-A copy of my XXXX highlighted statement ( XX/XX/XXXX and XX/XX/XXXX ) showing the money debited back to the company 6- A copy of the emails from the CEO and the accounting manager of the  company stating they have never received the money back from Citibank! 

Please do not hesistate to contact me for any questions or concerns. I thank you in advance for your time and kindest consideration. 

Regards, XXXX XXXX