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

What Happened and What We Have Done : On XXXX XXXX, 2023 my husband received an email from XXXX confirming a reservation ( booking number XXXX ) at XXXX XXXX XXXX for XX/XX/XXXX and XXXX, 2023. We saw the email on XX/XX/XXXX. We did not make this reservation so notified XXXX of the fraudulent {$410.00} charge on XX/XX/XXXX. XXXX issued a provisional credit of {$410.00}, closed the account, and issued a new credit card. 

We are in possession of our credit cards but the reservation was made using our credit card number. The street address and postal code were NOT provided to XXXX at the time of the reservation. 

I keep all paper and digital receipts and reconcile them to our credit card statement. When reconciling I became aware of a XXXX credit on XX/XX/XXXX in the amount of {$200.00} thus I expected XXXX to be refunded for the {$200.00}. In XXXX I called XXXX XXXX and was told that the reservation was a no show thus explaining the {$200.00} credit. 

In late XXXX, I received a letter from XXXX XXXX dated XXXX23 stating that the XXXX transaction was authorized and you received benefit from the transaction, thus the {$410.00} was added back to our account and the case was closed. I was extremely upset by this incorrect decision and have now been charged {$200.00} for a reservation which we did not make. 

In early XXXX, I was able to talk with XXXX XXXX, XXXX XXXX case officer ( XXXX ). She said that she was responsible for making the decision that this was a valid transaction. She said she would talk with her supervisor and promised to call me back. I called two more times, left a message requesting a call back. To date I have not heard from her. 

I then called XXXX XXXX XXXX at XXXX and worked with XXXX XXXX ( XXXX ). XXXX was very helpful. She requested I fax a copy of the XXXX receipt which I did. I asked her to send me the XXXX XXXX XXXX information in my file which she mailed to me. I then called XXXX to try to get this corrected and was told that the booking confirmation number on my receipt was not in their records. I was also told that I could not make a reservation thru XXXX without providing my postal code. 

I last spoke with XXXX XXXX On XX/XX/XXXX. She was sending my information to XXXX XXXX and requested I receive a call back. No call back has been received to date. 

Under XXXX XXXX XXXX in the XXXX  Documentation it is noted that the billing address and postal code were not provided by whomever made the reservation. The billing address/ postal code is part of the proof of who you are and the validity of ownership of the card. The absence of this information should have been a red flag that the reservation was not made by us. The disputed amount should have been {$200.00} and should have been refunded to the merchant. Had XXXX charged our account {$200.00} then the case would have been correctly closed. Instead she charged our account the full {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only reported to XXXX, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by XXXX this XXXX. This would only occur upon applying for any Chase related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currently demonstrated in the above-mentioned report andbeing seemingly deficient ofcertainty of facts, with concerns to the adequately certifiablereporting process ( es ) and or format ( XXXX ), it can NOT be assumed your claims are within theminimal criteria forlawful and or ethical reporting, even should collection rights beunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( XXXX ) divulged versus me are contested as not being of a sure confirmation offactsand truth much less being certifiable in its essential compliant reportingprocess ( es ) and orthe mandatory XXXX XXXX format reporting. Being divergent of theexpected reporting caliber, the below contested reputed claims probity each is in astate of peril due to multipleaspects of ailment as indicated beneath, efface fromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. In accordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDS such as XXXX XXXX XXXX Points of Compliance andother potentially applicable standards andor regulatory engrossments of reporting I amrendering this officially writ consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any and all insufficientreporting and ineptitude to sufficientlydocument factual reporting verifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant Procedure ofREPORTING and mandatorilyperfect complete certifiable XXXX XXXX FORMAT compliance ofreporting standard ( XXXX ). Ido not recognize the information listed below as having ever beendemonstrated tobe factual in solidity much less certified compliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the XXXX XXXX COMPLIANCE STANDARD of reporting standard ( XXXX ) .PLEASEDELETE THE FOLLOWING ACCOUNT BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY 2 CARDS. THEY REPORTED ME LATE IN XX/XX/XXXXAND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY CREDIT SCORE DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # 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. 15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.

Creditor updated account with Experian as Collections. Creditor advised they would send request to credit bureaus to have item removed from credit report but flagged account as Collection.
Product: Mortgage

I was on a forbearance plan with my Mortgage company. They stated there was no penalties for the plan. Now that I am contacting them to restart payments, they have done a loan modification, however the modification includes interest on the mortgage during forbearance resulting in my total owed for the house going from {$300000.00} to {$320000.00}. Nothing i completed stated that there was interest acruing during this period.
Product: Debt collection

I am not liable for this debt with XXXX  and i do not have a contract With MCNEIL & MAYERS RECEIVABLES. They did not provide me with the original application like I asked. 


Ive contacted XXXX and McNeil and Meyers regarding this account they gave reported to the credit bureaus using my information fraudulently Ive notified them that the account is not mine and was opened using my information fraudulently and that i am a victum of identity theft they refuse to remove this account.
Product: Payday loan, title loan, or personal loan

I have a loan from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The manager there has continued to call me and my friends and family, even ones she has never been authorized to after being repeatedly told by myself and them to stop, she has even called from different numbers when blocked and calling my work place multiple times after also being asked more than politely many times to cease any and all contact and that I would like to deal with another branch or corporate to deal with payments on my XX/XX/2018 loan. She has made it into some personal vendetta as if the money came from her personally and not the company she works for. I am 8 months pregnant and it is causing me a severe amount of stress and calls are often early or late and it is hard enough to sleep anymore as is. I have even considered filing harassment charges on the manager herself at the local police. I do not know what else to do she is fixated, I switched jobs from working at a XXXX  where she was never supposed to be able to call through to me while on post for safety reasons but still did, to a XXXX XXXX  and she was calling my new work place before I said to anyone or anywhere publicly I was working there. I had been there just a couple days. It is very frightening how she got that information I have no idea. It is unprofessional and vindictive.
Product: Credit reporting or other personal consumer reports

This probably happened about two years ago, ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.
Product: Checking or savings account

I am filing this complaint against Morgan Stanley Private Bank ( formerly E*TRADE ) for their persistent failure to comply with my repeated requests to close all of my accounts. Despite following their procedures and receiving verbal confirmation that the accounts would be closed, the bank has failed to take appropriate action. 

Background : 1. On XX/XX/2023, I submitted a formal request to close all of my accounts with Morgan Stanley Private Bank.

2. Following this request, my investment accounts were closed. However, my checking and savings accounts remained open, despite my explicit request that all accounts be closed.

3. This is not the first time I have encountered this issue. On occasions prior to XX/XX/2023, I attempted to close all accounts, only to find the process either incomplete or ignored.

Current Situation : As of today, four accounts remain open without my consent. These accounts are : - Checking Account : XXXX - Checking Account : XXXX - Savings Account : XXXX - Checking Account : XXXX To make matters worse, I was recently notified that Morgan Stanley Private Bank will begin charging account fees for these accounts, further exacerbating the situation and causing me unnecessary financial harm.

My Complaint : I am deeply frustrated with Morgan Stanley Private Bank 's : - Repeated failures to honor my explicit requests to close all accounts.

- Mismanagement and lack of transparency during this process.

- The imposition of account fees on accounts I have repeatedly requested to close.

This behavior is unacceptable, and it undermines my trust in their financial services.

Desired Resolution : I request that the CFPB investigate this matter and take appropriate action to : 1. Ensure that all remaining accounts listed above are immediately and permanently closed.

2. Prevent Morgan Stanley Private Bank from charging any fees on these accounts.

3. Hold Morgan Stanley Private Bank accountable for their repeated negligence and failure to address my requests.

Thank you for addressing this issue promptly. I look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

Figure Lending LLC has repeatedly requested that I provide my Condominium/Homeowners Association ( HOA ) Master Policy/Evidence of Insurance. I have followed Figure 's instructions and sent my insurance information to their vendor several times using the website XXXX. On XX/XX/2024 ( my most recent submission ), I asked for an email from XXXX confirming receipt of my insurance which I did receive and it stated " no further action is required ''. Figure Lending LLC continues to request this information and on XX/XX/XXXX threatened to force-place insurance on my loan and " increase my monthly mortgage payment accordingly ''.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 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 XXXX XXXX  XXXX never 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, 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: Checking or savings account

My bank Suntrust/Truist has charged me over XXXX in NSF in less that a year. I have addressed this issue with the bank many times with no assistance. I have NEVER opted in to overdraft protection therefore the bank should NOT overdraw the account. The bank also intentionally DO NOT credit XXXX, Transfers etc. immediately so that they can charge NSF fees. I am currently seeking with an attorney about a Class Action Lawsuit. Suntrust/Truist is making BILLIONS with illegal NSF practices XXXX
Product: Debt collection

Mailed Macy 's Fraud Department a letter disputing debt owed on XX/XX/XXXX. Included with the letter was an FTC report with attestation, a police report, a copy of my ID and SS card- stating that I did not open an account with Macy 's XXXX and did not have any knowledge of the account being opened. Additionally Macy 's was requested to validate the debt by conducting a thorough investigation of the open account that was being reported to the credit bureaus. Macy 's mailed me a letter back XX/XX/XXXX stating that they had completed a through investigation, with no additional documentation, and found that the debt belonged to me. This will be my second attempt requesting Macy 's PROVIDE DOCUMENTATION, and COMPLETE A DEBT VALIDATION. Attached is the letter that is being mailed to Macy 's Fraud Department. It is illegal, and a violation of the FDCPA, and Illinois collection account for a debt collector to simply state that a debt is a consumers, without providing any verifiable proof. Macy 's Fraud department is in violation of these laws.
Product: Credit card

As part of my USAirways Barclaycard account, I was eligible to receive elite status qualifying miles on my US Airways frequent flyer account should I reach an annual spending level of greater than {$40000.00}. In XXXX and XXXX, I received those miles based on achieving the spending level threshold in the prior year. The mileage posting usually occurred during the XXXX period in the year subsequent to achieving the spending threshold. I once again exceeded the spending level during XXXX, but as of this date have not received the elite mileage status posted to my US Airways account. As the merger between US Airways and XXXX XXXX has now moved forward to include the frequent flyer programs, I have made inquiries to both airlines in search of a satisfactory resolution. While each have pursued the research associated with elite mile postings, I have not heard back from either airline and not received confirmation from Barclaycard to confirm that they have taken the steps necessary to trigger the benefit that results from owning their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lot of inquires for credit on my credit report all 3 of them Experian, there are address on my report that do not belong to me XXXX, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 card or prepaid card

Dear Sirs, I opened a Citi XXXX XXXX XXXX account. This card offered a 19.74 % promotional rate for the card. The consumer would receive XXXX miles for spending an amount of {$3500.00} before XX/XX/2022. I met the goals to obtained the miles. I was approved for this card on XX/XX/2022. I received the credit card in XX/XX/2022. My due date on the card is the XXXX of each month. I have paid XX/XX/2022 {$500.00}, XX/XX/2022 {$300.00}, XX/XX/2022 {$460.00}, XX/XX/2022 {$600.00}, XX/XX/2022 {$560.00}, XX/XX/2022 {$560.00}. I always pay before the XXXX of each month. The Citi rep stated that, I could lower my APR and interest by deferring some of my purchases with a lower rate Then my current interest rate of 28.74 %. I was shocked. The Citiflex plan rate was {$27.00}.. I questioned why my APR was so high. I didn't get a straight confirmed answer. Please note to obtain this credit card you needed a minimum credit score of XXXX or higher. I have been traveling out of the country. Citi card is aware of the location. The payment on XX/XX/2022 didn't clear my bank. I didn't understand why .I called a representative to give them the debt card from that checking account on XX/XX/2022 so, that my credit payment could be deducted immediately. I received a email from Citi XXXX on XX/XX/2022 that the payment returned which, I informed them initially on XX/XX/2022 that it would per our recorded conversations. I rectified the issue immediately before the XX/XX/2022 email.. I contacted Citi XXXX on XX/XX/2022 to inquire as to why they closed my account. They stated because of my late payment. I told them that I contacted you about the initial payments made. The email generated on XX/XX/2022 requested I make another payment. The representative stated that I should've been alright. I'm out of the country. I need my card for the miles and business. My credit is prestine. I have contacted Citi XXXX to give me a copy of the service agreement today on XX/XX/2022 to confirm the verbiage that indicates the reasons how they have a right to close my account .They wouldn't mail or email the information. My payment history is great. My credit is prestine. I only have this credit card. I don't carry debt. I'm requesting your assistance to having my credit card reopened and my interest rate lowered. If my credit score has dropped from XXXX until now it's do to my credit card being closed. I'm a mortgage consultant. I know how the credit scores work and surely don't have a lot debt. I truly appreciate all of your help in assisting me to resolve this matter. Best Regards, XXXX XXXX
Product: Mortgage

In early XXXX of XXXX, ran into some difficulty stemming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to Citizens bank explained my situation was offered a forbearance which truly was appreciated and helpful to help me get back on track. I was offered 3 months forbearance with payments to resume in XXXX of XXXX. I was told I could continue to make monthly payments during the forbearance and so I did XXXX XXXX the unpaid payments would need to be brought current. I scheduled payments for XX/XX/XXXX only to find out on XX/XX/XXXX when I self queried reason for payment processing by citizens .The bank claimed their system placed a stop on my payment due to a glitch.The agent XXXX XXXX then requested that I make a new payment to replace the XXXX payment since that payment was still not processed. I was assured I would not be charged late fees as the error was on their part. New payment was made and to date still not processed. Had I not called I would not have known this. I only called because the money has been sitting in my account for several days A new payment was made on XX/XX/XXXX and a new confirmation number issued. I do believe the bank may be engaging in some form of deception in an attempt to take my property illegally.I have worked very hard for my property and never used any equity from it. I no longer need a forbearance and my account is being brought back current. I have payments scheduled through end of XXXX way past my mortgage dates.These payment was made despite not due to put me ahead .I am very concerned that there is deception and that I am being misled.Please assist. Are their similar complaints from other citizen 's customers?