23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 we tried to make our mortgage payment online and over the phone an was unsuccessful... ( PHH blocked there customers ) why because PHH website stated payments unavailable and over the phone it stated no payments can be excepted at this time. This is the only business I know that blocks customers from making payments. Any other company we do business with you can call any day an any time and NEVER have an issue. Though my payment was not late what if this was the last day before it would have been late. This is the tactics of this business and this is a pattern because this is not the first time I have had this issue. There needs to something done with companies like this who are deceitful and have no integrity. I am sure that everyone who has this mortgage company feels the same way. If it's not one thing it's another. There phone system when you call you can't hear options because its pauses in the message and it goes out and in. And on the website everytime it's time for payment the website has issues and problems. What is the use to speak with the company there going to act as if they didn't no or say we are sorry and will do it again. It's a pattern.
Product: Checking or savings account

I called Truist Banks Bankruptcy Department because I filed Bankruptcy and included Suntrust Bank who Truist apparently bought out. I spoke with XXXX XXXX at Truist Bankruptcy department who pretty much said my Bankruptcy doesn't count and I still owe them over {$600.00} in order to open an account. My question to them was about # 1, how can you ignore a bankruptcy discharge that you were included in and # 2, how can you still collect on an account from 2015? Isn't there some statute of limitations to collect on a bank debt in Maryland? That account is XXXX XXXX XXXX now and the representative insisted that the debt is valid and I believe it isn't.
Product: Credit reporting or other personal consumer reports

XXXX submitting to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the items which do not belong to me and opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 ''
Product: Credit reporting or other personal consumer reports

Good day. Erroneous information is being reported on my credit which is really concerning and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's taking a toll on my mental health and I'm facing financial hardships.
Product: Credit card or prepaid card

Back on XX/XX/2019 my Kohls charge reflects a charge of {$350.00} With no items that could it discribes the charges. 
The store in question where the charges were from, I havent visited since the month of XXXX nor I ever purchased that amount at once on any kohls stores Several times I contacted kohls customer service without an answer all they said is the they are investigating and Im certainly didnt make such a purchase.
Product: Checking or savings account

My account was closed without any reason a few weeks ago. 
Until now the bank has not been sent the check with my money on that account.
Product: Checking or savings account

Back in 2020, I and my XXXX XXXX opened up a joint savings account with both our names on it, I had complete authorization and access to this account The amount deposited into the account was {$1300.00}. I was asked to move into my aunt 's house to take care, of her so I took out {$1000.00} to do some repairs on her house. My aunt 's friend found out about the account and took my name off of it and put hers on it. The bank then took {$1000.00} from my account without permission and gave it back to my aunt and her friend, saying it was a teller error. I know that they have cameras in the bank and computer access to find out what happened to my account. Can you please help me?
Product: Checking or savings account

This bank is being run by lying degenerates who can not do a single thing right. 

I set up a wire transfer on XX/XX/XXXX with supervisor XXXX who assured me that it was expedited. 
Called on XX/XX/XXXX as the wire transfer had still not gone through. Spoke to supervisor XXXX who said that XXXX did not expedite it. Then she goes on to put me on a XXXX hour hold and hangs up XXXX me. 
Called again and this time got XXXX gain, the one who had set up the wire transfer. She insisted that she had expedited the wire transfer and that XXXX was lying. Then she said that the wire transfer has run into " some '' error and she is not sure what error and she will have to set up another wire transfer. When I asked her to file a complaint against XXXX who XXXX  up on me after XXXX hours, XXXX also hung up on me. 

Now I have XXXX wire transfers showing pending in my scheduled transactions and no one has any clue what is going on. 


XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time This bank is bein run by lying degenerates and incompetent idiots.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Im requesting to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Failure to provide a verifiable notification that debt existed as required by Law. Reported to my credit bureau without advising me. Debt is not mine and I could have disputed. Never sent me required notice.
Product: Money transfer, virtual currency, or money service

I received a payment from a friend into my Venmo account and I started using the funds by means of my Venmo debit card. Then towards the end of the evening my Venmo debit card kept getting declined so I called into Venmo customer service and was told that my account was frozen. I was also told that it could not be fixed until 5 to 7 days later because it Hass to go to a specialized department. I finally heard back from that specialized department who told me that the reason my account was frozen and that I could not access my funds is because there was another account that had been opened in my name that had a balance due. I informed them that I did not have another Venmo account and that if there is one open and it was open without my knowledge and fraudulently. They are refusing to listen to me and theyre telling me that I can not take my money out of my Venmo account or spend my money until I agree to allow them to take the money towards this other balance that is owed that I had no part of. At this point, all I want to do is to cut ties with Venmo altogether and take my money out of the account so I can move forward. I dont think its going to be that simple. How is it even possible that they allowed a second account to be open to begin with? I never authorized a second account. The fact that they allowed someone to open an account in my name and that person has a past due balance has nothing to do with my Venmo account. They have no right to hold my money and tell me that I need to comply with their demands in order to withdraw my money. I feel that I am being extorted by Venmo. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched EXPERIAN CREDIT REPORT BY USAA. # XXXX XXXX XXXX XX/XX/XXXX Account Number does Not match. See circled USAA ( *Account XXXX ) Opened XX/XX/XXXX I DID NOT OPEN THIS FRAUDULENT ACCOUNT .See attatched 1099- C USAA CANCELLATION OF DEBT Account ( XXXX ) XX/XX/XXXX never closed. Two New Accounts opened Fraudulently WITHOUT " VERIFICATION '' OR AUTHORIZATION See attatched new account Mastercard Statement ( XXXX XXXX XXXX XXXX ) of XX/XX/XXXX {$100.00} balance. I DID NOT OPEN THIS CREDIT CARD. see attatched CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} card XXXX UNAUTHORIZED TRANSACTIONS OCCURRED. I DID NOT OPEN THIS CREDIT CARD VISA XXXX. SEE Attatched USAA CREDIT CARD I REFUSED NEVER ACTIVATED ( *Account XXXX ) I DID NOT OPEN THIS CREDITCARD ACCOUNT. 
AGAIN USAA ACCOUNT NUMBERS KEEP CHANGING ( a. XXXX, b. XXXX, c. XXXX, d. XXXX )??? ** KINDLY NOTE FOUR DIFFERENT ACCOUNT NUMBERS. I DID NOT APPLY FOR AUTHORIZE OR OPEN ANY CREDITCARD AFTER XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Credit reporting, credit repair services, or other personal consumer reports

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with XXXX?? How can I be late 30 days with XXXX and Experian in XXXX of XXXX but on time with XXXX? 
The payment status shows 30 days late yet XXXX shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Product: Credit reporting or other personal consumer reports

On the day and month of XX/XX/2024 I received 2 credit inquiries from TD Bank and XXXX XXXX XXXX that are very unknown to me also XX/XX/2024 i received another unknown inquiry from XXXX XXXX.
Product: Debt collection

I am writing to file a formal complaint regarding the continued negative remarks on my credit report from XXXX XXXX XXXX, which I have requested to be investigated. I initially reached out to Experian on XX/XX/year> to request an investigation into these negative remarks. As of today, more than 30 days have passed without resolution, and the account in question has now stopped reporting altogether. However, I am still concerned about the potential impact this may have had on my credit profile during the extended period of delay.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ), when a consumer disputes information on their credit report, the credit reporting agency is required to conduct a reasonable investigation within 30 days. This means Experian has failed to comply with the FCRA 's timeline for resolving disputes, which has resulted in an unnecessary delay and potential harm to my creditworthiness. 

Moreover, since XXXX XXXX XXXX is no longer reporting the account, I am concerned that Experian did not thoroughly investigate the dispute and, as a result, did not take the necessary actions to update my credit report promptly. As per Section 1681i ( a ) ( 6 ), if a dispute is resolved in the consumers favor, the credit reporting agency must ensure that the negative information is corrected or removed as appropriate.

Given the situation, I request that Experian immediately complete a thorough investigation of the XXXX XXXX XXXX account, correct or remove any inaccuracies, and update my credit report accordingly. I also request a written explanation for the delay in the investigation process and confirmation that the information will be handled in compliance with the FCRA. 

Please inform me of the actions taken to resolve this matter and the status of my dispute as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Product: Checking or savings account

I first had a problem logging into my Chase business banking account on the XXXX of XXXX. A message appeared saying that I was locked out due to suspicious activity, and to call a number which I have tried several times. Each time, a recording said the wait time was longer than 50 minutes, no matter when I call. 

Meanwhile, automatic payments are being rejected, with each resulting in a {$34.00} fee. I can't stop them because I can't log in. This has resulted in several XXXX dollars of fees. I've had to stop depositing funds into this account because no matter what, Chase just takes my deposits for their own fees. 

I have not received any explanation as to what this suspicious activity was, nor an opportunity to review recent transactions.
Product: Credit card or prepaid card

Bank of America talked me into getting an interest free card and balance transfer my other bank of America card.They never closed the old card. I had a propane delivery and didn't know they used the closed card. I had about 5 late fees in a row. They never called me and my credit score was over 800. I took a big hit before I realized what was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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: Student loan

Back in 2016 I asked to be waive my XXXX XXXXXXXX  XXXX  status and submitted the paperwork. I was told it was processed through their internal messaging system. I later asked to cancel the waiver and they sent me the form. However, since this current reconsideration/review effort has been going on I've learned they never applied the waiver. This leaves me with 2.5 years of uncounted payments. I wanted them to count because I was in a XXXX dollar payment period because I was on XXXX from my employer while I completed my degree. They switched from sending me documents via email to an internal messaging system that they control and leaves no to a very short time-limited paper trial for me. I have complained to them for years about their handling and was assigned one person to speak to at one point. They do have some records or those conversations and actions but apparently not all. FedLoan Servicing is deceitful! They put me into deferral/forbearance when I didn't want to be because it would hurt me when I was in favorable payment range. I repeatedly asked where I could go to file a complaint and they never directed me to CFPB they just said they are the servicer the government chose for PSLF program. When I consolidated my loans I was not told the payments previously made would no longer count until after it was done. When I asked them to count them under the current initiative they didn't until I provided information my old servicer provided. I was fortunate old servicer still had the information. They never helped me verify my employment dates from previous employer that failed to sign or the state hospital that had closed. Their handling has been a hinderance of my financial freedom and impedes my motivation to trust what any of the representatives say. I do have some documentation to support my assertions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first initiated a dispute with Experian and XXXX  regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX  XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to XXXX  and Experian asking to verify the account. Experian and XXXX  claimed they have verified and validated the XXXX  XXXX XXXX account all four times. I sent in a fifth letter to Experian and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX XXXX XXXX account in XXXX and XXXX of XXXX. I also sent a letter to XXXX  XXXX XXXX in XXXX of XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XXXX of XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, Experian, and XXXX   XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.
Product: Credit reporting

( Account numbers enclosed as all accounts have been closed for several years ) My XXXX/XXXX/XXXX bankruptcy discharge included two separate XXXX mortgages/equity loans. One loan, Acct XXXX for a dwelling on XXXX in XXXX, AZ, was discharged by this bankruptcy. The other loan, Acct XXXX ( possible full acct # XXXX ) ( loan application # XXXX ) was reaffirmed by me and not discharged in the bankruptcy. Payments for this loan were all made in a timely manner until the home was sold on XXXX XXXX, XXXX. At that time the remaining balance was paid in full. 
I made numerous complaints to XXXX and was always told they would research the matter and report back to me. I never heard anything from XXXX. 

I made several disputes to the credit bureaus who always reported back that they had contacted XXXX who erroneously reaffirmed the loan had been discharged by bankruptcy. The latest dispute and reaffirmation was by/through Trans Union on XXXX XXXX, XXXX. 

I would greatly appreciate this issue being resolved. 
Thank you
Product: Mortgage

Approximately one year ago, I noticed that the automatic payments in my accounting software did not match the information on the Citizens One Home Loans monthly mortgage statement. I could not match their escrow amount with my escrow amount which is comprised of property taxes and property insurance. I began a process of attempting to determine the property tax and property insurance components of their escrow figure, but was unable to do so. I used their on line resources, but they do not provide the detail specifying the amount of property tax and property insurance for each statement. The consequence of this is that my goal of pay additional principal each month has been thwarted and now I am not where I wish to be with the outstanding balance. This is beside the point that I still have not received the monthly breakdown I have requested. 

My first request for this breakdown was on XX/XX/2019, and was made to my loan officer, who has been very good at responding and attempting to help. In fact, he is the only one at Citizens who has been responsive. 

Since that time, I still have not received this information. 

I have spoken to their office in XXXX XXXX, VA which I was referred to. All they did was provide the exact same information that I could ( and did ) download from the Internet. More recently, I was in contact with the Rhode Island Head Office in XXXX, RI. A XXXX XXXX, who works for XXXX XXXX XXXX, Chairman and Chief Executive Officer of Citizens Financial Group , Inc.. I asked her for the breakdown information, and she refused. I asked for her to send me a letter to that effect and I would forward it to the CFPB. She said I could expect the letter in up to ten days, once it was approved. I called twice after ten days and left messages asking for the status of the letter, and asking her to call me. She did not return either of my phone calls. I then sent an email to Citizens stating that I was taking this action against them.