23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Charge Off : XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$7700.00} Collection : \ XXXX XXXX {$3000.00}
Product: Vehicle loan or lease

During the XXXX pandemic my XXXX XXXX was repossessed. I tried to work out a payment option and the lender said I had one and still repoed it. I was a small business owner I worked for myself I wasnt able to receive any XXXX  help. I also suffered from XXXX and have lasting effects such as XXXX and EOE. I tried to work out a settlement with global lending they refused and wanted the full amount. They took my car after agreeing to work with me and sold it at auction during XXXX. A time everything was shut down and our economy was hit hard no one was buying anything. This repo hurt my family on top of the XXXX pandemic. It wasnt a fair repo. The company has now added atleast 13 late payments to my credit and no on time payments. At this point its harassment.
Product: Credit reporting or other personal consumer reports

Transunion is continuing to report false information and unverified information on my consumer report. According to the FDCPA and the FCRA ALL INFORMATION IS SUPPOSED TO BE FAIR AND ACCURATE. They have violated my rights under USC 1681 b and 15 USC 1666b and others as well.
Product: Credit reporting or other personal consumer reports

I received two inquires from XXXX XXXX XXXX  without my permission and i would like it deleted immediately. attached is my FTC report and a letter from credit one explaining there need to remove these inquires thats impacting my credit report
Product: Checking or savings account

On XX/XX/XXXX, a person claiming to be my bank, Chase Bank, contacted me regarding my debit card being used in a fraudulent transaction in New Mexico. This person knew my home address, my debit card number, and, throughout the call, knew Chase Bank procedures well enough to know when text verifications would be sent to my phone, when authorization requests would come through, etc. to the point I had little reason to doubt they weren't Chase. It wasn't until they asked about my PIN number right before hanging up that I suspected things weren't right. 
Immediately after hanging up, I checked my bank account and saw {$1400.00} of withdrawals had been conducted through an ATM located on XXXX XXXX in XXXX, TX, near where I live. I locked my card through my app, went to my local bank branch, informed them, and contacted Chase through the number on my debit card to inform them of the transactions. They cancelled the card and went through the process of issuing a new one which I received on XX/XX/XXXX. 
My problem is that according to a letter I received on XX/XX/XXXX, they will not be reversing the charges and all efforts I have made to contact Chase and get the case re-opened have not produced results. I went directly to the bank branch where the fraudulent charges took place and, other than photocopying the claim letter, did not receive support. I've contacted Chase on the phone several times, but they claim that since the transactions were made using my PIN, they consider the transactions to be valid in their system. 
I've made a police report to the city of XXXX, TX as part of this process as well. 
While I admit that I gave information I shouldn't have in the form of my PIN, as soon as I realized the mistake, I reported it and tried to take actions to prevent further loss. It seems that a reasonable assessment of the situation along with a simple check of security camera footage from the ATM coupled with the fact that I've reported the incident to multiple authorities should be enough to show that I don't approve of these charges on my account, despite the fact that my PIN was used.
Product: Mortgage

I have XXXX mortgages with Seterus ; I send XXXX separate checks each month. XXXX of XXXX, seterus posted a payment for loan XXXX to loan XXXX ( both checks attached ). I have continued to send two checks each month for these loans ( see attached invoices ). After numerous calls and speaking to supervisors, I was told they can see the problem and they will fix it and notify the credit bureaus of their mistake. This has NOT happened and I am in the mist of buying a house and need this cleared up. Please HELP.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Checking or savings account

This is a follow up to a previous complaint for which feedback was already provided and the case was closed. Previous complaint ID is XXXX submitted XX/XX/XXXX. 

My father died on XX/XX/XXXX. I attempted to close his account with JP Morgan Chase on XX/XX/XXXX, but understood some funds needed to be withheld for possibly reclamation by Social Security. However, the potentially reclaimed amount was {$1400.00} and the balance in the checking account was {$15000.00}. Chase said I needed to provide the SSA # XXXX or provide a letter from Social Security indicating that the funds could be released. However, after 4 different calls to SSA, SSA says they do not provide such documentation to banks. Finally, after filing a complaint with CFPB, I was able to have the funds in excess of the potential reclamation released. I was told by the branch officer in Florida that I should withdraw the funds quickly because they may freeze the account again soon. I tried to withdraw some of the funds using XXXX and was able to transfer {$5000.00} before a fraud alert was issued and froze the account. Chase then required me to go to a branch to withdraw the remaining funds. On XX/XX/XXXX, I went to the branch ( XXXX, MD XXXX to withdraw the funds and have them transferred to my new CHASE checking account. Unable to do a simple transfer of the funds, the branch manager had a counter check printed on my father 's account which I ( as beneficiary ) was instructed to make out for the amount that was not being held ( {$9900.00} XXXX. The check, deposited on XX/XX/XXXX, cleared by the end of the business day on XX/XX/XXXX. A few days later, I received an email from CFPB asking if the matter was resolved to my satisfaction, and I provided relevant feedback at the time. However, on Friday, XX/XX/XXXX, I received a letter from CHASE informing me that the check I deposited was not paid by the bank (! ) and therefore the funds were withdrawn from my account, which is now overdrawn due to a {$12.00} bounced check fee. I am not longer satisfied with the resolution of this case. 

It is now 6 weeks since I attempted to close this account and withdraw the funds IN EXCESS of the amount that must be withheld for potential reclamation by SSA. I am in the midst of grieving for the untimely loss of my father during a global pandemic. I am burdened with paying his funeral and burial expenses, and I find the emotional stress of dealing with Chase and it's opaque policies throughout this ordeal to be unbearable and beyond frustrating. 

I was making a good faith effort to establish a banking relationship with Chase by opening a new checking account and leaving the transferred funds in there. I now regret that I did not simply ask for a cashier 's check so I could take my business elsewhere. 

This is unacceptable treatment of a consumer and inappropriate withholding of funds that Chase has no right to hold. As a result of my inability to access these funds, I am paying interest and late fees on the bills I intended to payoff using this money.
Product: Checking or savings account

A Capital One " 360 Checking Account '' was opened in my name without my knowledge or consent. When I phoned Capital One, I was told by a representative in their security department that the account was opened online. However, when I asked for the device ID and location of the party who opened the account, the Capital One representative stated that they would not provide that information to me. The rep stated that I would have to contact law enforcement, but would not explain which jurisdiction or agency I should contact. The rep assured me that the account would be closed and that no one could use it. However, two days later I received an email asking me to fund the account. Because XXXX XXXX was caught illegally opening accounts, I am suspicious that the bank itself may have done this. If they did not, then they should help me identify the party who opened it.
Product: Checking or savings account

On XX/XX/2021 I attempted to withdraw funds from my checking account via ATM. I received a prompt stating that my banking institution has blocked transactions. I immediately attempted to contact BBVA to find out more about the issue. Can not even connect! The calls are being dropped continously. Please help with this situation. I need access to my money.
Product: Credit card or prepaid card

I have a Citi Dividend credit card with Citi Bank that offers 1 % cash back on all purchases and 4 % cash back each quarter on select purchases. From XX/XX/XXXX through XX/XX/XXXX, Citi Bank offered 5 % cash back on airlines  and hotels and resorts in the XXXX portfolio. I made a purchase at a XXXX XXXX XXXX XXXX in XXXX, FL that posted to my credit card on XX/XX/XXXX. I received 1 % cash back on this purchase but not the 4 % cash back offered during this quarter. I waited to see if the 4 % cash back would show on my XX/XX/XXXX and XX/XX/XXXX statements but it did not. I only received the 1 % cash back on this purchase, which reflected on my XX/XX/XXXX statement.
On XX/XX/XXXX at XXXX XXXX I called Citi Bank to inquire about the 4 % cash back on my purchase. I spoke to a Citi Bank representative and then a Citi Bank manager who stated that I had to sign-up for the 5 % cash back offer 2 days prior to my purchase to receive the additional 4 % cash back. The manager stated that I signed-up for the offer a few days after my purchase ; therefore, my purchase did not qualify for the additional 4 % cash back. I looked for this information on the Citi Bank website and I could not locate anything that supported what I was told. 

I called back at XXXX XXXX to gain an understanding of the sign-up process to receive the 5 % cash back. I spoke to a Citi Bank representative who stated that in order for me to receive cash back I had to activate the promotional offer first and once activated it would not go into effect until the next business day. I asked the Citi Bank representative where this information is found on the website and he stated he was not sure. The Citi Bank representative also stated that the 5 % cash back would not show on my statement until the quarter ended. However, based on my previous experience the bonus cash offer shows up on the closing statement of the purchase. 

This is not the first instance where Citi Bank has provided unclear terms and conditions. During XX/XX/XXXX through XX/XX/XXXX, Citi Bank offered 5 % cash back at Home Depot and home and garden stores. I made a large purchase at XXXX during this quarter and did not receive the additional 4 % cash back. When I called Citi Bank, one of its representatives told me that XXXX was not classified as a home and garden store and that Citi Bank does not determine how merchants are classified. However, Citi Bank states on its website that it does reserve the right to determine which purchases qualify for this offer and that merchants are generally classified based upon the merchant 's primary line of business. In addition, Citi Bank does not provide a way for its customers to verify a merchants classification prior to making a purchase. 

Citi Bank does not provide clear terms and conditions that a reasonable consumer can understand on its bonus cash offers. These practices are unfair and deceptive to customers. I would like to receive the 4 % bonus cash back that is due to me. In addition I would like the CFPB to require Citi Bank to provide clear terms and conditions on its website to consumers on its 5 % cash back offer.
Product: Credit reporting or other personal consumer reports

I noticed over 100 inquiries on my credit report, i called and spoke with several representatives with experian, they were rude and basically told me they could not remove inquiries even though it was clearly stated it looked like fraud and my information was on the dark web. They basically mocked me and refused to remove the 100 inquires that no one in their right mind would do. Somehow my information was used and inquires repeatedly submitted. Please remove the inquires that i did not do
Product: Checking or savings account

My ATM/XXXX XXXX  card will not work for the last few years. I only use it to withdraw funds at the ATM maybe six times a year. I must go into a branch or call the fraud department whenever it fails for an unknown reason. I go to the same branch every time. XXXX XXXX never works, and Wells Fargo keeps holding my account hostage and forcing me to speak to someone whenever I need cash. This needs to stop as it has been happening for years and is intentional on the part of Wells Fargo to prevent access to my funds. I have close to XXXX in the bank. I should not be stopped whenever I want to take out {$100.00}. It is deceptive and unethical on the part of Wells Fargo. These are not fraud controls but rather handcuffs.
Product: Credit card

I made a payment online for the full statement balance to be paid on the due date. The Payment was not processed by the bank and I was charged a late fee of {$39.00} and an interest charge of {$74.00}. I then received a late notice and made the late payment amount specified.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am writing to seek clarification regarding an issue with my loan payments. The matter is as follows : XXXX. Payment made by HUD on XX/XX/XXXX : {$55000.00} XXXX. Payment made by HUD on XX/XX/XXXX : {$21000.00} XXXX. Payment made by HUD on XX/XX/XXXX : {$16000.00} Total : {$94000.00} My concern is that these payments, made by HUD to Mr. Cooper, were not deducted from the loan balance that I was required to pay back to HUD in full. 

While the initial payoff amount provided to me before these payments seems accurate, the payoff amount after these payments was significantly higher and does not align with the amounts paid by HUD. This discrepancy is unreasonable and needs immediate resolution. 

If further details or clarification from a real estate lawyer are required, I am more than willing to provide that. However, this issue has persisted for months, and despite contacting HUD, FHA, and other offices, the problem remains unresolved. 

I would appreciate a prompt response and resolution to this matter. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Refinanced XXXX XXXX Auto Loan with XXXX XXXX XXXX. Now I have XXXX Auto loans listed on my credit report. So XXXX loan is reported New but the prior loan is yet to come off. This has made my credit score drop.
Product: Checking or savings account

XX/XX/XXXX at XXXX call Citi XXXX XXXX ) XXXX, regarding how to solve the problem for linking my external account, the customer representative told me everything all set and wait 24 hours, I can add my external account. for the transaction I requested for {$1500.00} from my XXXX XXXX to Citi, there is no problem. totally I will have {$3000.00} balance in Citi bank. then same day XX/XX/XXXX at XXXX, I received an email Your Citi Online User ID has been blocked for your security. Second day XX/XX/XXXX at XXXX XXXX, I called Citi ( XXXX ) XXXX option # 4 which customer service representative gave to me and told me to call for my issue because they blocked me and can unblock it. I spent 52 minutes with them on the phone, they asked all my personal information and bank accounts information and security code and social security number, then they told me my account will be closed in 60 days. transaction is blocked, access is blocked, decided by top office, they dont have access to help me. they can not transfer my money back to me until wait 60 days the account is closed, then they can mail a check to me. they refused my request to close the account now, they can not transfer my money to me or send me check until they close the account in 60 days. they took my {$3000.00} as XXXX, i filled a complaint to citi ( XXXX ) XXXX at XXXX XXXX  XX/XX/XXXX, when I called back at XXXX, the department said they havent summit my case, it will take 24 days for them to work on it. I am XXXX  woman with a XXXX XXXX XXXX to feed, I need my money to raise my kids. Please help me to get my money back ( {$3000.00} ). 
My citi debit card XXXX XXXX XXXX XXXX. My phone number is XXXX, Sincerely, XXXX XXXX
Product: Debt collection

I have sent Santander Consumer USA an Affidavit of Truth/facts regarding XXXX  // XXXX // XXXX // VIN XXXX // Account Number : XXXX. 
Also I have sent Santander Consumer a NOTICE TO CEASE AND DESIST. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the Bank of America Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with Bank of America last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!
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. 

Account name : XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

This date was liquidated in 2010 by XXXX, but is being reported by Ditech/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC.
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 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XXXX XXXX XXXXXX/XX/year> 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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.

And according to 15 USC 1681s-2 they are suppose to 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.