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

Started on XXXX XXXX, XXXX. tried to use activated card an purchase denied. Called Bank of America and they said there was no problem, go ahead and use card. Tried again and still did not work. Called again and said everything ok. tried again after very long wait and still nothing. Had to use other means to pay... very embarrassing. 
This happened several times over the following weeks. I have made many calls and wasted many long minutes ( hours? ) dealing with problems not of my origin. 
On XXXX, XXXX, I tried to make my first payment and found it virtually impossible on the App without starting a Banking account. Everything led to starting a bank account. Tried to make payment using my Debit card, but they refused. 
Finally had to call and give my Bank account and routing number to make the payment. 
Accidentally gave wrong account number but was not informed until the XXXX, after payment was late. 
Bank of America then put a hold on my account and lowered my limit BELOW what had been purchased, then wanted a larger payment. ( XXXX XXXX ). Called and spent another 40 minutes giving correct info and making payment. Card has been on hold since, and limit lowered. 
Called again on XXXX and arranged for hold lifted and limit restored. They approved and additional XXXX dollars as well added to limit. I was told to wait two days to take effect. 
Monday, XXXX, XXXX, still unable to use card. Called again and was told that I would be receiving a letter denying the request, even though it had supposedly been approved the previous Friday. 
I have been put into too many difficult and embarrassing situations because of this bank card, and will never recommend this Bank OR card to anyone.
Product: Payday loan, title loan, or personal loan

I consumer entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/18. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Navy Federal charged me a finance charge of {$11000.00}. Navy Federal Credit Union is also in violation of 15 USC 1643 in which my credit card ( SSN ) was used in which monthly payments of {$600.00} is being paid monthly when its suppose to be paid off being that consumer used his open-end credit plan. Banks can not loan money according to 12 USC 1431. Navy Federal credit Union used my credit card ( SSN ) to apply for a loan in my name fraudulently.
Product: Credit card

I am filing a complaint regarding Citi 's refusal to provide evidence that they sent an electronic notification about a credit limit decrease on my account. Despite my efforts to request this information, the company has stated that they own the records and will only produce them if a subpoena is issued.

I believe this refusal impedes my ability to verify the notification and ensure proper communication regarding changes to my account. I am concerned that this practice may violate consumer rights or applicable regulations requiring transparency and accountability. 

I kindly request your assistance in investigating this matter and determining whether Citi 's actions align with consumer protection laws. Please let me know if you require additional information or documentation from my end to proceed. 

Thank you for your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has remodeled their website since I created my personal account in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am repeatedly defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Equifax has remodeled their website since I created my personal account in 2017 in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am always defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Hours upon hours of time on the phone have resulted with repeated incompetence from their support staff and promises to send me emails with shortcuts and special access in order to complete this project. NONE of those emails have ever arrived and none of them show up in my spam filters. The result is that I now have a freeze that can not be unfrozen. This is problematic in that the Social Security Administration uses, specifically, Equifax in order to authenticate who I am so that I can create an online account with them. SSA can't verify who I am because Equifax has my account frozen. I can't unfreeze my Equifax account because Equifax won't allow me to create an account the will provide me with access to that freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put security freezes on my accounts with XXXX  and Experian  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
XXXX  representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at Experian, and their automated options don't include a solution to my problem. Experian 's online resource, which is the only way that I can contact Experian, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from Experian  from 2017, when the freeze was put in place.
Product: Credit card

I started working with XXXX XXXX to help receiving business funding for my XXXX XXXX. I filled out my client information with the correct income and revenue information. Then I signed the client agreement with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. He then texted me telling me he had to send me another agreement. This one had a different name on it, XXXX XXXX XXXX. XXXX XXXX was supposed to apply for business loan for me but took out a line of credit with skewed income information. XXXX XXXX XXXX applied for the application for me. He then charged XXXX percent on the line of credit to pay himself. I have a thread of text messages proving I did not apply for the card and how he changed my information to receive commission. I have evidence of fraud for multiple banking companies. XXXX XXXX XXXX would have specific people that he said I had to talk to. He applied for credit I didn't need, changed my information, then paid himself. The charges on the JPMCB credit are fraudulent. CFPB please investigate XXXX XXXX and complete an audit of my entire account application process.
Product: Mortgage

First Home Mortgage has fraudulently chosen to both disqualify the buyer and keep the buyer 's money in the amount of XXXX of the closing costs without delivering the service or enabling the buyer the chance of qualification. The lending agent ( XXXX XXXX ) originally approved the buyer ( XXXX XXXX ) approximately 85,000. credit to purchase a property, in addition to a XXXX grant with a monthly HOA fee of XXXX per month, qualifying the above mentioned buyer approval to purchase. During the process the buyer was working with ( XXXX XXXX ) up until approximately one week prior to settlement when ( XXXX XXXX XXXX the listing agent ), discovered at the end of the contract that he made an error on the listing price of the HOA fee. The fee was changed during the contract from XXXX monthly to XXXX monthly. The change resulted in the buyer not being qualified and XXXX of the funds have failed to be refunded to the buyer and the buyer never received purchase of the property or receipt of the paid closing costs.
Product: Credit reporting

Experian credit bureau has refused to report my mortgage payment history for several years. I have tried on many occasions to rectify by many phone conversations. Since filing a chapter XXXX bankruptcy in XX/XX/XXXX and having it discharged about XX/XX/XXXX. Missing trade information is greatly reducing my credit score. When XXXX and XXXX reports complete credit profiles. Experian should be investigated and fined, if a violation has occurred. I would like for Experian to report my complete credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX  / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX  {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}
Product: Debt collection

I paid to delete a debt with the original owner of this debt and this company still shows the debt as outstanding and is continuing to keep it on my record after already disputing through XXXX. They would not provide a to my evidence and correspondence with management at XXXX XXXX XXXX XXXX, Tx ). Ive disputed this debt before but settled with management to delete for payment.
Product: Credit reporting or other personal consumer reports

Theres a. New account with XXXX XXXX which isnt mine. This is apart of an identity theft, however I do have a XXXX  account but any new services with them isnt me and should not be reporting on my credit report this has ruined my credit profile from good to fair. I havent added any new services with XXXX XXXX however I tired calling due to this to be informed about these alleged new services Ive added as new line of credit to my report. XXXX, and Experian is at fault as well because I do have fraud alerts, and freeze on my reports these shouldnt have been allowed until further investigation by myself. According to the FCRA accounts which are reporting inaccurately should be disputed and removed immediately within 4 days.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I began a mortgage loan with XXXXXXXX XXXX. My first payment was due XX/XX/XXXX. I made all of my payments online via the XXXX XXXX website. 

On XX/XX/XXXX I made my first payment. On XX/XX/XXXX I made a payment, as well as on XX/XX/XXXX. The payment made on XXXX/XXXX/XXXX was for the XX/XX/XXXX due date and the seconde payment was for the XX/XX/XXXX due date. XXXXXXXX XXXX applied my XX/XX/XXXX payment to the principal instead of to the XX/XX/XXXX due date and has failed to correct the error to date. 

Unaware that the payment was applied incorrectly to the prinicial balance I did not make any additional payments until XX/XX/XXXX and XXXXXXXX XXXX marked my account 30 days late to the credit bureaus for the months of XXXX and XXXX. 

In XXXX I received several notifications that my mortgage account had been marked late via the credit bureaus. I immediately contact XXXX XXXX  who she that the payments made were received but reflected as " principal '' payments because I had made them prior to the due date. I was assured that the payment and credit reporting would be correct asap however to date the credit errors have not been corrected. 

I have called XXXXXXXX XXXX numerous times since the initial call and complaint. Once in XXXX, XXXX and XXXX and twice in XXXX of XXXX. I called again in XXXX and XXXX of XXXX, only to be given the same responses. " A supervisor will adjust the credit reporting within a few business days '', " the prior case wasn't input properly for the supervisor to correct the reporting '', or " we will have a supervisor contact you within 1-3 business days and correct the credit reporting '' All lies. 

Not once has anyone returned a call, sent a letter, or even emailed me, more important my credit still shows two 30 day late payments from XX/XX/XXXX and XXXX of XXXX. I previously filed a complaint with the CFPB and the company fixed the reporting for XXXX and XXXX of XXXXHere is there response " We have manually updated the information sent to Transunion to report your XX/XX/XXXX and XX/XX/XXXX payments as no data. Should you need it, the AUD # for this correction is XXXX. Should you have any further issues or questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX and Saturday XXXX XXXX XXXX XXXX. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have several statements where XXXXXXXX XXXX has applied and removed payments from XX/XX/XXXX that reflect on the XX/XX/XXXX statement due to their errors. the acconting and statements errors are outragous for such a large corporation that is responbisle for mortgage and credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, CREDCO  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

For starters I pay my home loan through my banks autopayment system. 
The catalyst to the problem I am facing today was due to us shopping around for new bundled insurance. Thought this would be an easy process. 
Insurance company ended up sending me what was in the escrow account. So I held onto it to sort out with PHH Mortgage. 

PHH Mortgage sent me a letter stating we didn't have insurance and that they were going to penalize us for not having insurance. After submitting multiple copies of insurance we were able to get that resolved. Keep in mind my Auto Payments are still being sent at the first or prior due to weekend or holidays. 

I made a mortgage payment on XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX mortgage payment was for XXXX. 
I get a letter stating the the escrow is short and I need to make a payment. I call on XX/XX/XXXX and provide a payment to ensure everything is correct. 

Now they are stating that I have not paid my XXXX mortgage payment, when I did on XX/XX/XXXX. 
They are stating there is nothing they can do to resolve this. I have the feeling I have to make an extra mortgage payment + Late charges to get this rectified when I shouldn't have to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.
Product: Checking or savings account

I opened 4 claims via phone on XXXX for unauthorized and fraudulent transactions and my card was closed and a new one was mailed to me. On the XXXX business day all 4 claims were closed and I was told they were closed due to acct history. I requested to formally APPEAL all 4 denials as I am the acct holder and these transactions ARE FRAUD AND UNAUTHORIZED BY ME! Citizens Bank has not responded to my formal appeal sent via email and regular mail. I have requested all documents used to come to their decision and to formally appeal their denials. They never reopened my claims or provided me ANY documentation and I had my money stolen and Citizens Bank is refusing to help me. I am requesting immediate resolution! Citizens Bank refuses to provide me the documentation they are required to send, they failed to provide any valid reason for denying my claims and did not complete a true investigation into my claims. I am a protected consumer and by Federal Law am limited to {$50.00} liability because I reported the fraud as soon as I seen it and I have been trying since XX/XX/19 to get this resolved!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Capital One located in XXXX, Virginia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit card or prepaid card

I am a XXXX with credit score ( FICO ) of XXXX and credit utilization of less than 2 %. My credit history is since XX/XX/XXXX. I have never been late in making payments responsibly inmy entire life.I earn close to {$480000.00} annually and am a credit worthy customer. 

10 days ago, I applied for credit card for XXXX XXXX company as I had become their customer as of XX/XX/XXXX and obtained insurance on my three XXXX XXXX cars and three XXXX  XXXX vehicles and our personal property. The card was through XXXX XXXX of XXXX Ohio. I wanted to give my full loyalty and business. 

Today, on XX/XX/XXXX, I received a letter from XXXX XXXX that I have been declined for credit citing reasons that I have high credit utilization and low level of authentication indicating identity fraud. 

Bank never confirmed my income as a XXXX working for more than four XXXX and serving as XXXX XXXX who was trained at XXXX and has never had a negative credit event. 

I tried to approach te bank however as you can see from the attached letter that bank does not publish its phone number. I called the bank and its representative refused to give me phone number of the approval/denial department citing that I need to call XXXX which we all know, does not make creit granting decisions. 

I believe that bank violated Federal laws under Federal Equal Credit Opportunity Act and State laws in Ohio which prohibit discriminationagainst a person of foreign descent who is a US citizen. My last name is the reason for refusal of credit. XXXX XXXX failed to comply with teh laws that require that " all creditors make credit equally available to all credit worthy customers.
Product: Vehicle loan or lease

I had called XXXX on XX/XX/XXXX to open a claim to an accident that happened on XX/XX/XXXX. I was on a three way call with XXXX and who I thought was an agent from Santander to finalize all of the information on the account and to have XXXX CLOSE the account with Santander. There was talks on faxing documents to XXXX ( from Santander ) when they received certain information from each other the loan would be taken care of. I had given my social, all personal information, and permission to have this done with Santander. I was under the impression the loan was closed out with Santander that day due to the information I was given from the " Santander '' agent. I received a letter of automatic payments coming out again from Santander. Upon calling them to check on the status of the closed loan, they had no record of me even calling. I had asked several times if he was sure and he said yes. I am afraid at this point my information is compromised, and that we didn't have a good phone number for Santander. I was three way 'd in so I do not know the number the agent from XXXX  had called. I reached out to XXXX to have them verify from me that on there end I had called and had the conversation and they confirmed everything with me for verifying I called and handled this on the XX/XX/2018.