23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a call from MUFG Union Bank, N.A. on XX/XX/XXXX/2019, and they stated that I did not make payment to my previous mortgage company, XXXX for XX/XX/2019. 

For one, why is another mortgage company trying to collect for another? If my problem is with XXXX, then they alone should call me. And why is this problem 2 months old? 

There is no problem, and MUFG Union Bank is unfairly harassing their customers due to their incompetence. This has happened with another complaint I have filed with the CFPB and occurred with another mortgage payment that I provided proof. 

I have included a snapshot of payment made to XXXX.
Product: Consumer Loan

I have been a Wells Fargo customer since 1999 and had a couple of loans with them which I have always paid on time. They stopped sending statements on XXXX of the accounts so I missed a couple of payments. They sent me an e-mail so I immediately called. They claim that my address was correct and they had the correct e-mail and yet the only correspondence I had received from them was asking to call. I explained that I had not received statements and they could clearly see how long I had been a customer, and that I had always made payments on time. I asked them to remove it from my credit report and that I wanted to pay the balance. The manager was very rude and said that I knew of the account and that it was my responsibility whether I received statements or not. They did n't care in the least that I had been a long standing, good customer. I will never do business with Wells Fargo again and I would strongly suggest that you consider another alternative. I have been with XXXX XXXX XXXX for a much shorter period, and they have provided excellent customer service and seem to genuinely care about that.
Product: Debt collection

Account Name SUNRISE CRED Account Number NA Date Opened XX/XX/XXXX  Balance {$180.00} Collections is not from original creditor. I do not owe Sunrise Cred- {$180.00}. I never heard of Sunrise Cred and I never did a contract with them. 

These people billed me for {$480.00} but I it says on my credit report {$180.00} this is very inaccurate. They are reporting false information and this is very confusing.
Product: Money transfer, virtual currency, or money service

In XXXX of 2024, I was approached by a friend regarding an investment opportunity involving trading through bitcoin. Her name is XXXX although I am not positive that is her real name. She communicated with me using the XXXX app and showed me how to create an account with XXXX. I followed her instructions and created my account. Hesitant to invest too much I began with a small amount- {$200.00}. She showed me how to deposit the funds using CashApp to purchase XXXX and deposit the credit into my XXXX account. Once the money was deposited she showed me how to enter into trading - instructing me on which market to join and when. I did so and turned what I believed to be a profit. We did this a few more times and I became confident in her methods as my account balance continued to increase. Over the course of several months I deposited nearly $ XXXX took out a couple high interest loans expecting I would be able to pay it back once I withdrew funds. I accrued nearly {$200000.00}. However, when I went to withdraw my funds I received a prompt indicating I had an insufficient credit score to withdraw- that I must have deposited over {$20000.00} before I would be eligible for a withdrawal. I contested this and contacted customer support but they said the same thing. I attempted to withdraw the money again but this time directly into my checking account. I then received a message saying I was flagged for money laundering an that I must deposit an additional {$20000.00} to remove the flag from my account. It was at this point I began to wonder if I would ever get my money back. I tried time and time again to speak to customer support to resolve the issue but they again told me the only way to lift the flag is to deposit more money. 
I reached out to various agencies to submit complaints but none were able to take my case. I now have loans with high interest rates that I can not afford to pay and funds that were taken that I can not retrieve. This is criminal. 
I have bank statement, CashApp transactions, and screen shots from the app. I will include examples
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Student loan

I logged into Discover Student Loans XXXX on X/X/2017. I noticed in the top right hand corner there was a message waiting for me. I rarely log into Discover Student Loans because I pay them the same amount each month as I have for the past several years. For the second time since XXXX 2017, there was a notification that my interest rate had increased. In XXXX my rate increased from 3.75 % to 4 % and then in XXXX they increased it to 4.25 %. I was not given a written notice, or any correspondence regarding this increase. I check my credit score regularly and it has continued to increase so it can not be related to that. Also, I have already paid over {$13000.00} above the principal balance over a period of 11 years and I still owe them over {$5000.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit report with Trans Union, I noticed the same derogatory remark on my credit report. That Trans union removed in XX/XX/XXXX with XXXX XXXX XXXX The contract was not signed by the company 's representative and myself dated XX/XX/XXXX. In Trans unions investigation with XXXXXXXXXXXX XXXX XXXX XXXX  stating they are FCRA Requirements is valid. To change the opening or collection date to XX/XX/XXXX
Product: Credit card

Hello, I stated that the card doesn't belong to me and I don't have any knowledge of this account. They stated that based on the information, it look like it's mine.
Product: Credit card or prepaid card

Frontier Airlines processed a credit like they said they would in the amount they agreed to. A month later and with no explanation the put the charge back on the credit card. I reached out to Barclays US and they said they have absolutely no idea why the charge was placed back on the card. They suggested I reach out to Frontier to have the credit re-applied. I did and they said they would again process the credit they reversed, and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute, about the incorrect items on my report, its been well over 30 days and I haven't received any investigation results
Product: Checking or savings account

I opened a TD Bank Signature Savings Account. I was supposed to receive a bonus after doing the following, according to TD 's website : " Open a new TD personal savings account online. This can be either a TD Signature Savings or TD Simple Savings account.

Deposit at least {$10000.00} in new money within 20 days of opening. New money means funds not previously held in any TD Bank checking or savings account. 
Maintain a minimum balance of {$10000.00} for 90 days from the date you first met the deposit requirement. 
TD Bank will credit your account with the {$200.00} bonus within 180 days after account opening. '' I have not received my bonus. Unfortunately, due to the very poor customer service offered by this bank, I have to complain to a regulator to get this issue resolved. Currently, I am dealing with fraudulent transactions on another account, which TD will not remove, as required under US Federal Law.
Product: Credit card

I received an offer for a US Bank credit card@14.49 % tied to confirmation code : XXXX. The offer must be accepted by XX/XX/2017. I applied yesterday XX/XX/2017 and the rate jumped to 14.74 % I work in the mortgage business so I would think the code locks me in at the 14.49 % rate and will change based on the Prime Rate after introductory signup. How can my rate change because the Prime Rate went up last week. That is n't stated on my bill. It states APR will vary, but no where does it state that the introductory APR will change based on the Prime Rate or what 's the sense of having a confirmation code locking in a current rate? On top of it when I accepted the card at the 14.74 % the print out stated my rate is 10.74 %. I do n't know what 's going on, but I do n't like the fact of not knowing what percentage my card is tied to and why cant I just get one rate quoted to me like the offer stated. I 'm also reaching out to the Attorney General. At this point I 'm not sure if this is fraud or why is US Bank continuing to change the APR in this case three times??? I feel this is VERY MISLEADING & CONFUSING on a consumer. If my term and conditions state 10.74 % on the accepted card and terms when my card was accepted. I would think that US Bank should be binded and honor their own terms and conditions!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XXXXXX/XX/XXXX
Product: Debt collection

As coronavirus destroyed XXXX XXXX  industry and people stopped taking XXXX, I lost my income on my XXXX  XXXX  XXXX, however PenFed credit union to whom I owe money for my taxi loan demands me to pay my XXXX loan as if no coronavirus happened in New York. I would like you to ask PenFed credit union to delay with forcing me to pay my taxi loan to credit union as it is now the worst pandemic in 100 years and the worst recession since the XXXX XXXX. At the time of XXXX  crisis in New York, I could not get any income on my XXXX  XXXX  as there are no riders in XXXX XXXX  XXXX because tourists refused to travel to New York, airports do not work and people who get to New York from 29-states are expected to be kept in 14-days quarantine before they are allowed to walk on the streets. In addition, as the XXXX shows are closed there are no people who take XXXX  for that shows. My XXXX  agent refused to pay my lease payment on my two XXXX  XXXX  and put them into XXXX  storage saying that there is no income to pay me a lease payment. At the same time the XXXX   does not enforce any regulations on XXXX  XXXX  industry and ignores what happened in XXXX  industry. Without any income from my XXXX  XXXX, I am unable to pay PenFed credit union on my XXXX  loan. As I ask my PenFed credit union manager, XXXX XXXX, to delay with payment on my XXXX  loan until taxi business come back with people taking XXXX XXXX   again, he refused to listen to me. By forcing me with my loan payment to PenFed, which I am unable to pay as I have no income, I will default on my XXXX loan to PenFed would seize my XXXX XXXX  and everything I have worked hard all my life. I would like to ask you to tell PenFed to wait until coronavirus vaccine will come to New York and people won't feel scared to take XXXX  XXXX  again.
Product: Checking or savings account

XX/XX/2020 : charge from XXXX XXXX XXXX for {$99.00} taken from my account. 

I did NOT authorize this transaction. 

Bank sent a statement of transaction. I do not recognize the transaction. It is not a product I would ever use from a business I have never heard of. No product was EVER delivered. I did NOT authorize this purchase. This is criminal and investigations should occur with prosecution of the business that has stolen my money and info. 

Bank has refused claim. 
I tried to contact bank again and waited over 45 minutes and representative hung up while I was discussing the details of this case. 

I have tried to call back and there is no one to talk to, only robots that ask for your critical sensitive information such as social security and pin number.
Product: Credit card

seen my account is closed. Called Citibank ( credit card ). I was told that they could not give me information on why my account was closed and i would have to wait on my mail to come to know why, when i asked why. Asked to speak to a supervisor and was told by the supervisor that XXXX told Citibank to close my account.
Product: Credit reporting or other personal consumer reports

XXXX & ACIMA Digital FKA SIMP is breaking the consumer law pertaining to Acct # XXXX and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE
Product: Checking or savings account

Hello my bank account was wiped clean on the night of XX/XX/2020. I currently have Bank of America. Somebody stole {$1200.00} from my account and left me with {$20.00}. I received a letter within a week of when my case was closed. I called on XX/XX/XXXX and they closed my case within a day. The letter on the date is XX/XX/20. I will attach it below. I had to reopen my claim on XX/XX/XXXX. They told me they filed a hardship which is suppose to speed up the process and I have yet to receive an answer. I have called on multiple occasions and I still don't get a response. Some representative tell me they filed another " hardship '' while I have other representatives are telling me they aren't doing any " hardship '' claims because of the volume of fraud cases they are receiving. I feel like they are playing around with me. Every time I call its always something new and I get the run around. I was told by a Supervisor named XXXX that legally they had 45 days to give me a response. I called after the 45 days I still get no response other than its still pending. I was told by another supervisor that I was suppose to receive a progress report in the mail and I have yet to receive that. That same person was the one who told me they had done something wrong on their part because its been more that 45 days, but when I call back they tell me they have done everything they could on their part. I will also be attaching my last billing statement as it is a EDD account.
Product: Credit card

I've had issues since I received my card in XXXX or XXXX of XXXX. It all came to a head in XXXX of XXXX, where I ended up paying over {$1200.00} in a one month period because of billing issues. While talking with the supervisor XXXX at the time, while she's trying to figure out the issues on my billing, my wife and I hear her say, " Well I don't even know why they had you pay those two months, then turned around and added those two months to that month 's bill. '' So I said, you're telling me that I overpaid because of a billing error on your part? '' To which she replied " Yes. '' Well, there's the first {$700.00} mistake. She proceeds to go through my history with Comenity, to which she numerous times referenced errors made on their part that I had to pay for. So XXXX of XXXX, a month in which I anticipated having a bill due but was told by XXXX  that there would be no bill due until XXXX, I pay {$410.00} at the beginning of the month after I got my VA XXXX check and towards the end of XXXX I paid off what showed as my remaining balance due, which totaled {$6700.00}. There was no notification of " potential additional interest charges may occur '' warning. So here we are in XX/XX/XXXX, I paid thus account off a month prior, and I get yet another bill from Comenity for interest on a card that is paid off. I've overpaid enough to this company, I will not give them another dime. This is a habitual issue with them based on the numerous complaints posted with the CFPB and XXXX. I paid what they said I owed, I will not pay them anything additional.
Product: Student loan

XXXX reference my previous complaint. They did complete the IDR for this current year. However, they had me submit my documents for 2013 - current to redo the Idr for previous years as they never suffered nor allowed me to correctly utilize my income for those years as since i incurred the loans prior to my marriage and i have no access to his accounts. I do not have to use his income. They agreed to redo those years, but i have not heard a thing. I am eligible to the pslf loan forgiveness and would be on my 7th year of repayment. I have turned all requested documents. I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact Experian to unfreeze my account for over a week. 

Its impossible to call in and speak with a person, very frustrating. 

I submitted my unfreeze request by mail over a week ago. 

If you force me to do business with this terrible companies the least you could do would have even a standard amount of customer service. These companies are useless, a identity theft liability, and use shady business practices and only exist because they have regulatory capture.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy. Pursuant to 15 USC 1681 b2, this company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against several banking reporting agencies for consistently reporting inaccurate and misleading information about me, which has severely hindered my ability to open bank accounts and conduct business with financial institutions. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), these agencies are required to ensure the maximum possible accuracy of the information they report. Despite my previous disputes with these agencies, where I provided detailed explanations and evidence of the inaccuracies, they have failed to address or correct the errors. Their refusal to investigate or rectify these issues demonstrates willful noncompliance with FCRA provisions, including 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. This negligence and disregard for my rights have caused significant harm to my financial opportunities and reputation. If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXpital Bank SSXXXX. 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : I Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provide all necessary supporting documentation.

To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. This is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts.

I request that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report.

Thank you for your assistance.

Additional Information : Debt Collector/Agency Name : XXXX XXXX
Product: Checking or savings account

I had two accounts with Chase bank. Check close of the checking accounts without notice and took the {$900.00} that was in the account without consent. When I tried to call chase customer service without this matter all I get is the run around. With no answers about my money. Also Chase recently charged my account {$34.00} overdraft fee for every transactions that hit my account. Not only is Chase stealing from their customers this XXXX XXXX bank is abusing their customers. I plan to take legal action against this bank
Product: Credit reporting

XXXX XXXX XXXX is reporting that my credit account with them is still open. The XXXX XXXX Account was discharged on XXXX XXXX, 2015, and closed. They continue to report incorrectly that the account is open. The account has been discharged, closed and balance zero.