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

We have had Citi Credit Cards for years. We have attempted three times to allow us to get notifications on our account ( mobile alerts, spend limits, due dates, etc. ) to little avail. After hours of hold times, the feature ( s ) will be turned on only to be later disabled by Citi. This is extremely frustrating as we, as consumers, simply want the features and benefits of those alerts for our family.
Product: Mortgage

I applied for Mortgage hardship as it has got really hard for me to make the Mortgage payment because of the Corona virus Epidemic and I applied for Mr. Cooper Hardship assistance on XX/XX/2020, since then Nationstar Mortgage DBA Mr. Cooper has paused my application three times and also asked for my HOA fee which I already mentioned in the application that I do not have. still again and again they keep on asking for my HOA fee, mine is a single family house and there is a property tax but no HOA fee. 

Mr. Cooper is asking for my Tax returns and two bank statements which I have already provided but they are pausing my application out of no reason ( Please see the screenshots attached ). Their dedicated Loan specialist " XXXX XXXX '' is also not responding, I have called her multiple time and left voicemails but to no avail. I don't know what to do I am banging my head on the wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.
Product: Debt collection

Refinanced home through XXXX XXXX, XXXX XXXX XXXX sent us a check to payoff the HomeDepot account. The check was mailed XX/XX/2020. We just got a bill from Home Depot (  CitiBank ) that we were behind in our payments. XXXX XXXX from XXXX XXXX discovered that the check had been cashed on XX/XX/2020 by CitiBank. We made numerous attempts to contact CitiBank without success.When we did get them. they still said they did not receive payment. Today ( XXXX XXXX ) they finally put us through to the complaint department. The check was found after some checking by the department. According to them it had not been credited to our account due to no account number on the check. My husband had put the account number at the bottom of the check and made a copy of it before he mailed it. They said it should be credited to our account in about 10 to 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This account is missing information, and is currently, and has been, reporting incorrectly on my credit report. This is illegal, and a violation of my rights! I have requested validation several times, and I have suffered damages due to the incorrect reporting on my credit report, that you are responsible to validate. 

Please Delete immediately! 

There is no High Balance reporting, where it should be. This has been reporting incorrectly for an extended amount of time, despite me requests for my rights to be protected and to have this assessed : 1.  XXXX  XXXX. 
Delete immediately, as this is a violation of my rights! 

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

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX  verification is unacceptable. I am requesting a reinvestigation and your Method of Verification.
Product: Bank account or service

Bank of America can instantly email you, to tell you when you 've made a deposit or withdrawal. But if you sign up for email notifications for a low balance, or insufficient funds/overdraft notices, the emails take up to a day to be sent out. 
By the time I receive the notification, it 's too late to do anything, and I just have to deal with multiple overdraft fees.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX. All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. 
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 I dont have contract with this Agencies they did not provide me with original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX TRANSUNION reporting XXXX  Account # XXXX Bal Date XX/XX/22 is reporting incorrectly. 30 day late reporting is incorrectly appearing on the report and is hindering me from obtaining new credit. 

There were technical issues beyond my control dealing with their website which had numerous errors in order for me to gain access to it in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report on XXXX XXXX on XX/XX/XXXX and I noticed a few inquiries that I do not recall applying for. There are four inquiries that I did not apply for that are showing up on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX and XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX. XXXX XXXX was reported on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

Bureau of Accounts, Con  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files -  XXXX ,   XXXX   and  XXXX .     The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to both XXXX and Equifax to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : XXXX : XXXX , XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XX/XX/XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, UT XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>The following are inquiries from Equifax that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX of 2024 I was charged with an interest charge of {$4.00}. I called the XXXX Co to see why. I was charged interest on my promotional purchase. I was told that the interest charge was on the paper fee. The paper fee is {$1.00} and they charged me {$2.00} for each of interest on the {$1.00} paper fee? That is outrageous and should be illegal! This is the minimum interest charge for interest on a late payment and it wasn't even a purchase that I made. This is a money maker and very loan sharky. 100 % interest on a purchase that was not a true purchase. How is this legal??? Why is this not eliminated and also the charge for a paper statement?
Product: Credit reporting or other personal consumer reports

I hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the GAP insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.
Product: Mortgage

Hello, I held a mortgage with Fifth Third Bank and refinanced with another lender around XX/XX/2022. 

I had mistakenly made XXXX 's mortgage payment ( {$940.00} ) to Fifth Third as my account was on auto-pay. I was told my escrow funds with the bank were applied to my final payoff, and my XXXX mortgage payment of {$940.00} would be returned to me in the form of a check in the mail as it should have never been remitted due to the timing of the refinance closing. 

At this time, I never received the check, and I am told the check was mailed out on XX/XX/2022, and cashed on XX/XX/2022. I have been following up with Fifth Third Bank for months trying to get information on the cashed check. 

I have not received any check imaging from Fifth Third Bank after numerous requests and now that it's been almost three months. I suspect the check may have been cashed fraudently and I am trying to verify this and figure out how to recoup the funds. 

Fifth Third Reference Number - XXXX Unfortunately, after almost three months and multiple attempts of trying to retrieve check images, and trying to resolve this with Fifth Third Bank, I do not feel they are responding appropriately and now need to escalate this matter to CFPB. 

Please let me know if there is any additional information I can provide or be of any further assistance at this time. 

Thanks, XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I'm filing this complaint against Southwest Credit Systems for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Walmart has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations within my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied to XXXX to be a driver. XXXX used a company called Checkr to run a background check. Checkr got back to XXXX about a case here in my county that I had been promised my first offense would be expunged after paying off the court. The following has been sent to XXXX by Checkr : Case Number XXXX File Date XXXX XX/XX/XXXX Court Jurisdiction FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX State FL Full Name XXXX XXXX XXXX DOB XXXX XX/XX/XXXX Charge XXXX XXXX XXXXXXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXX XXXX  XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX I have been rejected as a driver because of this and would like it corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I got a cashiers check for XXXX from chase on the same day deposited into a XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with XXXX XXXX XXXX XXXX for {$66.00} thats fraudulent as well. None of these are my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I busted an XXXX in my XXXX  so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject-dispute of inaccurate Information on Credit Report I am writing to formally dispute Information on my credit report in accordance with the provisions outlined in 15 U.S. code 1681 i have carefully reviewed my credit report and i have identified the following inaccuracies : XXXX XXXX XXXX XXXXXXXX Amount- {$300.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX XXXXXXXX Amount- {$2400.00} - - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXXXXXX Amount- {$600.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX XXXX Amount- {$27000.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY I am Requesting a thorough Investigation into these items, as they are not reported accurately. i have included supporting docs that substanitate my claim. 

Please ensure that these docs are taken into account during your investigation. 

According to the Fair credit reporting Act ( 15 US code 1681 ) you are required to compete your investigation within 30 days of receiving this letter. i kindly request that you provide a written response, including the results of your investigation and any actions taken, within the timeframe, if you determine that the information is indeed inaccurate, i ask that you promptly Correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I notified Bank of America that two unauthorized charges in the amount of {$13.00} was debited from my account on XX/XX/XXXX by XXXX XXXX. I did not and have never authorized a charge from this company. 

Bank of America informed me that the charges were made using an electronic debit card. The debit card in question for this account has never been used or activated and is secure in my safe at home. Bank of America indicated that they would investigate the charge and get back with me. They acknowledged that there have been complaints regarding this same company. Please see link of other customers who have reported the same. https : XXXX Bank of America informed me that they would be cancelling the debit card and reissuing a new one. They also said that reversing the charges would be pending an investigation. The funds have not been deposited back into my account as of XX/XX/XXXX. 

Also, I am concerned that their has been a breach in security of accounts at Bank of America and that my other accounts ( check, savings and credit cards ) are not safe.
Product: Debt collection

The company Complete Professinal Recovery accocount popped up on my credit report on XX/XX/XXXX and this company is trying to collect a debt that was from XX/XX/XXXX and that i included in bankrupty with the original creditor on XX/XX/XXXX. The company states that this account has been reporting on my credit report since XXXX but I spoke with an agent at transunion to verify and they said that they do not see this company anywhere on my credit profile from XXXX to current. Nor have I ever saw this company on my credit report ( I have old copies ) This account was also opened but not by myself. The Also the original creditor removed this credit account from my credit report in XXXX. And they are the ones who were included in the bankruptcy 5 years ago not this collection agency. and according to the and according to the XXXX siteThis collection agency also isnt licensed to collect in the state of illinois which requires a license