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

I am complaining of excessive interest charges on kohls credit card. 
Credit card is set so that minimum payment is made online automatically. I did not realize there was a balance in the account. Statements have been sent electronically which has not been either received seen or reviewed by me, hence I did not know there was a balance. Meanwhile compounding interest has been piling up and the interest rate is ridiculous, why is anyone even allowed to charge such exorbitant interest rates. Attempt has been made three times to ask forgiveness/lessening of the interest charges ( especially during pandemic ) without success, they would only forgive one months worth, meanwhile they have been charging compounding interest for more than a year totaling hundreds of dollars. 
There is also limited information online on the statements. Goes back to only 3 months and without details.
Product: Mortgage

Faye Servicing handles my mortgage/escrow for a property. They maintain escrow for insurance and taxes. They failed to pay the insurance payment and subsequently it was cancelled. Many calls to them were not returned. They are not responding or fulfilling the agreement to pay escrow from funds I've paid directly to them. I paid the insurance from my own account directly to the insurance company. Faye Servicing has not reached out or provided me with reimbursement despite many calls to their customer service department.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Victoria 's Secret on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding late payment that being reported to credit bureau. Victoria 's Secret is reporting to XXXX  that I paid a payment late XXXX  XXXX  30 days late but is reporting with XXXX that it was paid on time. They are also reporting to XXXX  that I was late in XX/XX/XXXX but XXXX  that the account was paid on time in XXXX. This information is not true the account was paid on time. The company is reporting incorrect information on my account. I have multiple account numbers but only had on account with this company. This company is reporting Account number XXXX with XXXX, Account number XXXX with XXXX  and Account number XXXX with XXXX. Then another Account number XXXX with XXXX, Account number XXXX with XXXX. This company would deleted then re add accounts to my credit report and this has been happening for the last 4-5 months. This company is reporting inaccurate information on my credit report.
Product: Debt collection

Do not owe, tried disputing amount last shown as I have a receipt for a return with tracking number. Merchant received the return over 3 months ago and never refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter nearly two months ago, asking them to investigate errors on my credit report. Its been well over 30 days, and I have yet to get a response from their organization.
Product: Checking or savings account

Recently I opened an account in Citibank, using their website. Everything was good, they sent me a Debit Card and I was managing my account without any problem. 

Last Friday I received a paycheck from my Employer ( XXXX XXXX ) and I decided to deposit it into my new account ( Citibank Account ). 

Yesterday ( XX/XX/2023 ) I called to the bank because my access to my account wasn't working and they told me to call a fraud phone number. 

I've called today and they said that my account was closed due to a potential fraud transaction ( referring to this check mentioned above ). I asked for my funds and they said that after the account is completely closed ( 30 to 60 days ) they will send me a check with the funds. 

At the end I won't receive my funds in at least 70 days. This is part of my salary and the bank is taking it illegally. I need help to resolve this issue. 

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

Target XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with the recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Dispute of Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccuracies in my credit reports from Experian, as accessed through both AnnualCreditReport.com and Experians XXXX app. These reports fail to reflect my XXXX rent payment, despite evidence confirming it has been paid. 

This inaccuracy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, which emphasizes the importance of fair and accurate credit reporting. According to this statute : XXXX. The banking system depends on accurate credit reporting. 


XXXX. Inaccurate reports impair the system 's efficiency and undermine public confidence. 


XXXX. Consumer reporting agencies are tasked with assembling and evaluating accurate information about consumers. 



I have attached my rental ledger as evidence of payment, which clearly shows that my XXXX rent was paid in full. Despite this, Experian has failed to update my credit report, which XXXX harm my creditworthiness and standing. 

I request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by correcting the inaccuracies in my credit report. Additionally, I request that Experian confirm the corrections in writing once the updates have been made. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional documentation or information. 

Sincerely,
Product: Mortgage

Bank Of America took my hard earned tax paying dollars as well as everyone else 's in the bailout and then did absolutely nothing to help me with my underwater property in FL which is what the money was designated for. I have been trying to speak with someone at Bank of America since 2008 to gain access to principal forgiveness or principal reduction and continuously am ignored. I filed a complaint with the District Attorneys office which lead only to a single letter from BofA indicating more time was needed and have never heard from BofA again. They think this is a joke. They lined the pockets of their XXXX 's and whomever else is in the upper positions whilst those of us, including myself continue to suffer with underwater properties if we have n't had to walk away already. I ca n't count how many times I asked for help whether it be principal reduction of forgiveness or asked to simply refi and was denied indicating the property value is upside down and this is denied - hello .... what the XXXX do you think the bail out money was meant to be used for?!!!! I was not able for a period of time to pay my second mortgage and instead of helping me they started the foreclosure process. I had to borrow money yet from someone else to become current on an upside down property - I have to ask myself why I continue to keep paying and not just walk away - this property cost XXXX and has had since 2008 a value between XXXX-XXXX. Oh by the way BofA never included the appraisal with the loan docs - how convenient. How do I know this loan was n't unfairly processed, that some form of unethical practice was used to have the appraisal match the loan amount to justify the approval? I have read public information available online which clearly indicates BofA is in hot water and I am not alone in my situation. What I want to know is why are these large companies bailed out when its us middle class folks who pay for this country and why are n't these CEO 's etc ... rotting in prison where they belong?
Product: Credit reporting or other personal consumer reports

FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, TransUnion & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : XXXX XXXX Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX ), Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX XXXX ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : XXXX. XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Debt collection

I made settlement arrangements with the company in which I could not afford to keep. After multiple checks had bounced, I spoke with a representative and advised her I would like to cancel ACH authorization and they still proceeded to run the checks. This has caused an extreme hardship on my end due to multiple overdraft fees. I was told that the company would not reimburse the fees that they had caused and any monies that were paid by my bank after advising Porfolio Recovery to stop the drafts would not be refunded. The " supervisor '' XXXX XXXX refused to give me the name of the representative in which I spoke to originally and told me that the ACH 's are submitted at XXXX XXXX. and could not be cancelled the day of. I was not informed this by the representative I had spoke with to cancel the ACH draft, and I was clear that I did not want those payments to be submitted and was clearly informed on their " recorded line '' that my request was understood and would be honored. The supervisor continued to over talk me was rude, very unprofessional and hung up the phone during the call. I have worked in the financial industry for years and never has any company I worked for/with ever ran ACH payments at XXXX XXXX while no one is in the office!! They are not a bank they are a collection agency!
Product: Mortgage

In XX/XX/2019 we received an alert from a credit reporting app called XXXX XXXX that our mortgage company, Fifth Third Bank had deported our mortgage as being late. We have had our month for 29 months and have never missed a payment. We immediately stopped in a branch to speak with a representative. After sitting down for 30 minutes with a representative who had to call the corporate office we were told we would hear back from someone. 
In late XX/XX/2019 we received a letter from Fifth Thrid dated XX/XX/2019 stating they apologize for the error of a late or missing payment and claimed they would fix the error on our credit reports. My score dropped over 80pts as a result of the error and my husband 's score dropped over 50pts. We have still yet to see the error fixed on our reports and we have been waiting now over 60 days. We have been eager to refinance our mortgage but are unable to because of how low our scores are.
Product: Credit card

I disputed a charge of {$880.00} with Citibank for a hotel booking made through XXXX due to a technical glitch on XXXX website, which directed me to book a hotel in the wrong state. Additionally, I was going through a personal hardship due to the recent passing of my father, which prevented me from using the reservation. 

As soon as I noticed the issue, I contacted XXXX and the hotel to request a correction or refund. XXXX refused to help, citing the hotels cancellation policy. I then disputed the charge with Citibank, providing detailed information on the website error and extenuating personal circumstances. 

Initially, Citibank reopened the dispute, which seemed like a positive sign. However, they later denied my claim, stating that they did not see anything valid. This decision fails to consider the clear technical error, the hardship I experienced, and XXXX refusal to provide reasonable assistance. 

I believe Citibank mishandled this dispute by : Failing to fully investigate the website glitch that led to the incorrect booking. 
Ignoring my extenuating personal circumstances. 
Taking XXXX  side without ensuring fair consumer protection. 

I escalated this to Citibanks executive offices, but they still refused to overturn the decision, showing a lack of concern for fair dispute resolution. 

I requested that Citibank provide a detailed explanation of why my dispute was denied and what specific evidence they used to make their decision. I also requested that they fairly consider the technical glitch that caused the incorrect booking and my extenuating personal circumstances. However, their response simply stated that they did not see anything valid without further clarification. I was not provided with any documentation or reasoning that justified their denial of my dispute. 

I am requesting that Citibank fully refund the {$880.00} charge, as the booking was made in error due to a technical glitch and was further complicated by an unavoidable personal hardship. If they will not issue a refund, I request that they provide a full travel credit for future use. 

Additionally, I request that Citibank review their dispute handling process, as this case shows they did not fairly investigate the issue or consider all relevant factors.
Product: Debt collection

I received a email from XXXXXXXX XXXX XXXX I am one of the XXXX XXXX customers who identity was stolen in XXXX. Ive tried to dispute this debt multiple times.
Product: Payday loan, title loan, or personal loan

I took this interest loan at a time if need. The loan was scheduled for semi monthly payment until paid. On XXXX XXXX 2023 my account was erroneously drafted. This will not only cause overdraft fees that they say will be taken care of but also cost me a day of work that I will not be compensated for. Due to an online system calculation error the fee schedule listed an erroneous draft date out of sync with the pay schedule based on the last pay date entered into their system. My cell phone will be disconnected because the funds are not in my account for me to pay it. This is causing me hardships they will not cover.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please re-open Case # XXXX. It is not closed. XXXX is unethical and possibly violating privacy laws on state ( CT ) and federal levels. Please share my complaint publicly if TU does not provide solid results, explanations and apologies for their role as a seller of my private info and/or enabler of private info theft. 

Every USA consumer has the right to know about how callously and nonchalantly XXXX treats their personal and private information. They have the right to seek out discrepancies in XXXX reports that might be causing them harm in their credit score and hence equality of access to credit. 

Thank you CFPB!
Product: Mortgage

Me and my wife were unemployed since XX/XX/XXXX and both got job XX/XX/XXXX. Bank of America, unwilling to help with past due amount of $ XXXX, even we have a equity in the house for over $ 200K and accelerated the loan and filed for foreclosure. They have done the same scam in the past with different home, pushed us chapter XXXX and chapter XXXX bankruptcy and now they are trying to push us in chapter XXXX bankruptcy. The Bank of America ( BofA ), ripping a part of family with XXXX little XXXX XXXX children involved. The BofA, keep changing single point of contact, asking same documents multiple time, accelerated the day we got the job, coming our house, keep taking pictures, sending people, realtors to my house and listed in the court house for foreclosure. The BofA, got lot of federal assistance and unwilling to help XXXX XXXX citizens. We need assistance in modifying past due amount to catch up and please help us in stop the foreclosure & scam of BofA. As we all know US Attorney general sued BofA for irregularities of XXXX XXXX dollars grant by XXXX XXXX US Attorney general. I called making home affordable.gov and various other federal and state agency I see no hope of help to XXXX XXXX citizen family. I can be reached at : XXXX and my email address is : XXXXXXXXXXXX. We need your department help and save XXXX XXXX citizen family kindly. We do not to become homeless, loose life time savings of $ XXXX. The BofA, deliberately ruined our credit by not providing help and assistance even when they federal money sitting in there bank to help american citizen. President Obama, giving money to banks, but the banks are not helping. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE 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 XXXXXXXX XXXXXXXX XXXX
Product: Mortgage

Freedom Mortgage corporation will not allow new borrowers of VA assumed loans online access to their accounts and mortgage information. This is an accountability problem as new borrowers will not be able to hold freedom accountable or identify any issues with their mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX XXXX  XXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I paid {$500.00} upfront for an e-commerce mentorship program offered by XXXX XXXX. I also financed an additional {$3200.00} through Affirm to cover the rest of the program cost. Upon joining the community on XXXX XXXX XXXXXXXX, I realized that the mentorship program was not what was promised. The advice provided was generic and unhelpful, and it was clear that I had been scammed. 

On XX/XX/XXXX, I contacted XXXX XXXX to request that he cancel the loan and refund my payment. He initially claimed that he could not cancel the loan or process a refund. After I filed a dispute with Affirm on [ insert date of filing dispute ], XXXX XXXX suddenly reversed his position and told me that he could issue a refund, but only if I canceled my dispute with Affirm. I found this suspicious, as his initial response was that he could not process a refund. 

On XX/XX/year>, Affirm denied my dispute, siding with XXXX XXXX claims that the service was provided and that I was not entitled to a refund. Despite providing evidence that I was misled and the mentorship program was fraudulent, Affirm refused to cancel the loan or issue a refund. 

I was then directed by Affirm to contact XXXX for further resolution, but I have not received any response from them after multiple attempts to reach out.
Product: Credit card

There were unauthorized purchases made on my credit card. After Chase initially adjusted the charges but after their 'investigation ' they found we were liable for the charges. 

I ran a spreadsheet of adjustments on the chase website, they totaled {$1100.00}. Chase put back over {$1400.00} worth of charges on XXXX. This amount is incorrect as proven by downloading a spreadsheet on their website. 

I've attempted to speak with Chase and advise them of the issues but they keep transferring me. I was on the phone with 4 different customer service reps on Wednesday, it took me until the 4th rep to confirm the correct amount. The amount of {$1100.00} was confirmed by 4th rep. Then two days later, I see they put the original amount of {$1400.00} back to the card. 

Chase is accusing me of fraud. They are being deceptive and can not provide any documentation to support their numbers. I get bounced around their phone system when trying to correct the issue. 

Chase Recovery phone number is XXXX