23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

First, they deceived and threatened me. They said I would be rewarded when I opened an account. I did what they asked, but they made all kinds of excuses saying that I was not qualified. However, after I finished, I called two of their customer service representatives and they both said I was qualified, but they never gave me any reward. During the communication process, they made all kinds of difficulties, frauds, forced me to hang up the phone, and deceived me many times to ask me to go to the local branch to solve the problem. When I went there, I asked for a complaint form, and they said they had already complained for me. However, it was later proved that I had not complained, and they continued to deceive me. On the same day, a manager who was not at work asked me to leave the bank because of my complaint, otherwise he would call the police. I said that it was your online employee who asked me to come. You threatened me that I had to write down your name and the reason for my leaving, otherwise I would wait for the police to come. He didn't dare to sign, so I put his business card on it and took a photo! This bank has many employees and has committed many frauds, which is extremely scary!

The second photo is the manager on the business card. He is wearing XXXX clothes and says he is not at work, but he is handling work, which is obviously against common sense.
Product: Credit card

I received a phone call advising that Portfolio Recovery was the XXXX party collector for XXXX which issued a credit card in the name of XXXX XXXX. I sent Portfolio Recovery a Cease and Desist Letter on XXXX/XXXX/15 and the US Postal Service showed it was received and signed for at XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received a call from Portfolio Recovery. I attempted to explain the above and that Portfolio Recovery was violating the Fair Debt Collection Practices Act. I was met with a belligerant response that they did not have any such letter on file and there was heavy insinuation that I was lying. I attempted to give proof of the letter and their receipt and the employee was not interested in hearing any of it. I attempted many times to give the employee information that would prove the letter was sent and received including ; copies of the letter and a printed confirmation screen showing their receipt of the letter. During each of these attempts the employee stated, " you can keep repeating yourself and it wo n't matter. ''
Product: Credit card

Apple Card- Charged for XXXX which was not interpreted as XXXX Police Department of Michigan stole before encountering
Product: Checking or savings account

I closed my checking account sometime in XX/XX/XXXX. There was a remaining balance of some $ XXXX in the account. When I called to close the account I was assured this amount would be mailed to me by check. I asked the representative to please confirm the mailing address that the check would be sent to, as the mailing address ( PO Box ) is different from the physical address on my account. No check. 

I called Citi again in XX/XX/XXXX, and was told the check was returned to them as undeliverable. Citi mailed the check to my physical address ( which doesn't accept mail ). I explained that I told the first agent this exact thing the first time and was assured it would be sent to the correct place. This new agent told me that the mailing address on my account was my physical address. I explained this was wrong ( and an error on their side ), because my debit card and PIN when I opened the account were correctly delivered to my mailing address, and I double-checked with the first agent anyway! This agent relented, and again assured me it would be sent out to my mailing address. No check. 

I called Citi again in XX/XX/XXXX, and was again assured by the agent that he would take personal responsibility that it was resolved and sent to my mailing address. No check. 

All of this information is in their call logs and notes on my account, and each agent could see the issue and that I had called before and the check wasn't delivered. 

It is now XXXX XXXX, and I'm done. I want my $ XXXX. I want them to mail it to my mailing address, or hand deliver it, I don't care. Please help! Thank you!
Product: Vehicle loan or lease

I obtain a loan from fifsg in XX/XX/2013. My payments did not begin until XX/XX/2013. Ive made payments before the due dates or sometimes 5 or more days after the due date. However, in XX/XX/XXXX I requested a different date for payments in writing, which was granted to the XX/XX/XXXX of each month. However even though I was granted the request I still continue to receive late fees and reported to the credit reporting agencies I was more than 30 days past due when I was not. I carefully look at the payment history and realized not one single payment was 30 days past due. Also they also stated they ran a check through my bank and it was returned when they never did had to get on a conference call with the bank and they confirmed no check ever came through my account.But still had reversed payments posted to my account.They also continue to harass me each month about payments that were not past due by phone and email.
Product: Mortgage

My lender is not helping me save my house. I tried to submit an application but my lender refused my application and said that there is no offer available for me. I just want to save my house and I am able to make my monthly payments now that I have been doing well. Please help me.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze my credit with Equifax. The website login is unavailable and directs customers to the company XXXX number. 
The automated system uses information from customer credit report to verify identity. 
However, the automated questions have no relevance to my current credit report. The automated system will ask follow up questions for credit report entries that do not exist on my report. 
The customer has the option to choose a keypad option for " no '' but the system will continue to ask questions based on the " NO '' answer. 
The automated system then drops the phone call. 
There is no " get human '' option. 
This is impacting a job opportunity and I am displeased immensely.
Product: Debt collection

XX/XX/2023 Called Source Receivables Management with whom my sprint debt was sold to to obtain account number so as to make payments via the website. XXXX XXXX the agent who picked my call refused to give me the account number she just kept saying how are you paying today, I said to her well i'm not paying anything today but I would like to have my account number she kept talking over me about paying, then she offered me a discount and asked for payment and I kept telling her this is not what I called for today may I just please have the account number at this point she is still asking for payment, she was extremely rude, she does not listen and this is not the best way to go about getting payment. I was speechless.
Product: Credit reporting or other personal consumer reports

My account with (, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 30 - 60 DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I'm getting 6 calls or more from Comenity Bank from various numbers starting at XXXX and going into the evening. I have spoken with someone to tell them I'm waiting for my account number to set up an account and make my payment.
Product: Payday loan, title loan, or personal loan

On Tuesday XX/XX/2022 at XXXXXXXX XXXX  I entered XXXX XXXX XXXX XXXX XXXX XXXX '' store to finance some furniture for my household. I was told to fill out an online application to see if I qualify for said loan. At XXXXXXXX XXXX  I was denied for the credit after they ran my credit. They told they will send out an adverse action notice to my email address that I provided to them with more details of why I was denied. I still have not received the notice and as far as I know when they ran my credit a consumer credit transaction has to have taken place. Which they did not disclose the material facts with me at the time of the credit application being filled out and I did not receive any furniture. It is unfair that they have discriminate against me after I gave them my social security card number. Pursuing 15 USC 1602 ( L ) my social security card is my credit card so how can they deny me after I supplied them my credit card.
Product: Debt collection

Hello there well i have a loan with regional finance, i was doing just fine. Till all this Came down, i was still paying them i was a couple days late but never as late so they can report, but they reported to my credit payment missed wen it wasnt even late, so laid about it, i was still paying them but. Then I wasnt working at all helping my family at home. 
Then they started to call, they have called me up to 206 times a day. 
Then they got the number of my mother, cause she had a loan there. And e started to call her.
Product: Debt collection

I'm submitting this complaint in reference to Southwest Credit System knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX  account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

I pay my mortgage to LoanCare , LLC. Originally, the loan was paid to XXXX. I started paying at least an extra payment since XX/XX/2018. The mortgage company has applied the extra payment as " payment in advance, '' which is to the advantage of the mortgage company. I have to call several times a month for the mortgage property to correct the situation. I have mentioned to them have a " XX/XX/XXXX. '' A computerized " XX/XX/XXXX '' is a computerized check to make certain that a customer is up to date on their mortgage, and additional payments go to " principal '' only. The mortgage company and the customer would not have to talk on the phone to correct the situation. 

The mortgage company website does not inform the customer the date that they receive the payment. On the other hand, the mortgage company has a column entitled as " applied date. '' Normally, the " applied date '' is different than the payment date. Based on what i have seen, It takes many days subsequent to the payment date to correct the entry. Having the customer 's payment date, the customer can calculate that the interest/principal portion.
Product: Mortgage

Chase is not allowing us to explore all loss mitigation options. 

They offered a shortsale and now are not giving enough time to do one. 

XX/XX/XXXX Chase We Received letter confirming ; receipt of request & valuation report. as part of request for mortgage assistance.
XX/XX/XXXX XX/XX/XXXX Our follow up call to Chase! It 's too late, sale date of XX/XX/XXXX XX/XX/XXXX Letter received confirming my request XX/XX/XXXX. and their commitment to research update and resolve request by XX/XX/XXXX But Foreclosure notice for the XX/XX/XXXX Yet XX/XX/XXXX Letter received XX/XX/XXXX Postponed sale until XX/XX/XXXX No response from Chase therefore Not enough time
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 my automatic payment of {$450.00} was scheduled, in addition I authorized an additional payment of {$500.00} for a total of {$950.00}. However, when they pulled the payments from my bank account on XX/XX/2022 they pulled two payments of {$450.00} and one payment of {$500.00} for a total of {$1300.00}. 

After contacting the company they have extensively tried to tell me that I set up 2 separate auto payments for the regular installment amount, which is completely untrue. They also insist that it will take 30 days for them to refund the unauthorized payment. It is completely ridiculous that a bank can hold my money, that they took without my authorization, XXXX for a month. They have repeatedly told me that it is the only thing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.
Product: Checking or savings account

My savings account was removed from view when I logged onto my Chase account. 
The funds are still there but I can do ( or see ) nothing online. 
Two calls and two hours of discussion with reps in the XXXX bore no fruit. A supervisor, XXXX XXXX was particularly unhelpful and dismissive. 

Chase ' insistence is that I appear at some ( unspecified ) branch and there alone can the problem Chase created be remedied. Be it known that 2 weeks ago I could see everything online. I'm told that for unknown reasons my name was stripped from the account, thus stripped from online access. Nothing else about the account changed and the foreign phone clerks say that can not re-enter the name onto the account, nor can anyone in the United States unless I make a personal appearance at some ( unspecified ) branch. 

This is unacceptable to be put out like this when the error was clearly Chase 's.
Product: Debt collection

I have made multiple requests to XXXX and XXXX to send me proof of this debt owed and still have not received. They send back a letter stating verified. I have contacted Ideal Collection Services to ask for a contract between them and I but have not received anything. I am currently threatening to be homeless due to apartment agencies and mortgage companies showing I owe money to an apartment complex that I do not owe. They also have these documents under XXXX XXXX and I was not XXXX XXXX at that time due to my divorce.
Product: Debt collection

I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX. XXXX, XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened : XXXX XXXX XXXX  Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.
Product: Debt collection

To Whom It XXXX Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and Capital One regarding the inaccurate information being reported on my credit report for the following accounts : XXXX XXXX  - Account Number : XXXX Capital One - Account Number : XXXX Both of these accounts have been removed from my credit report twice due to inaccuracies. However, without notifying me or providing any explanation, these accounts were placed back on my credit report. This repeated action is not only confusing and frustrating but also has the potential to negatively impact my XXXX XXXX. 

I believe that these actions XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ). It is critical that the information on my credit report is accurate, and I feel that both XXXX XXXX  and Capital One have failed to uphold this standard. 

I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX  and Capital One either provide a clear explanation for the repeated re-reporting of these accounts or permanently remove them from my credit report if they can not be accurately reported. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My XXXX mother in XXXX wished to make a XXXX wire of her savings to me. An XXXX XXXX transfer of {$48000.00} was made to my Marcus savings account with Goldman Sachs XXXX code XXXX on XX/XX/2022. I have not seen the funds issued to my account or the seen the transfer rejected. 

The transferring bank has the proof of acceptance from Goldman Sachs as seen in the attached receipts. Why did Goldman Sachs accept the transfer? Where are the funds now? The transferring bank has tried to reach Goldman Sachs over authenticated XXXX messages and they have not been responded to. 

Please thoroughly investigate this matter at the earliest as to where the funds have gone. I seek resolution instead of a wall of excuses I have been hitting through customer support. This has been very painful and I have exhausted every legitimate avenue Goldman Sachs has left open for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX
Product: Mortgage

Roundpoint has been having my $ XXXX insurance claim check XXXX and it is now XX/XX/XXXX. Every few weeks they willl call me to tell me they need some form or a signature or an invoice, which I provide to them. Then they wait a few weeks and call me back telling me they need something else. We have been thru 3 hurricane 's, a flood and a freeze and feel we have been thru enough that I should not have to fight for my own money that my insurance company has paid. Roundpoint even came to my home to inspect that all the work was complete according to my summary of loss. The only thing left was 2 ac vents -- -that is cosmetic and was not on my insurance summary of loss. I feel as though they are stealing my money. I have been complying with their demands and they come up with new ones. I do not know what else to do and hope you can help.