23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad
Product: Checking or savings account

Hi, I bank at Wells fargo and they keep charging me a {$10.00} service fee when my account goes below {$500.00} for even a minute. In the past when I didn't have much money the charge would cause overdraft fees and to make matters worse they will not waive the charges so if they are doing this to me then they are compounding a lot of people with the same fee that I find very unnecessary. I have other banking accounts such as XXXX  XXXX  and they do not charge these fees. The problem with Wells Fargo is that they are everywhere. I truly don't think extracting money from someones account when they are below {$500.00} is evil and greedy.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX.-XXXX  -XXXX XXXX-XXXX XXXX XXXX-XXXX  5 INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

If I had to guess I would say {$100.00} i receive XXXX XXXX from hud and for $ XXXX monthly the amount is never correct I may receive $ XXXX all of the overdraft fees for {$.00} I cant get any information on account Im always road blocked by a access code Ive got the company to reset it but still nothing I cant get a new card or anything XXXX XXXX XXXX use XXXX XXXX I cant receive my funds on another card so Im stuck with what ever they want to deposit in the account the card is registered to me and my information but I cant access it
Product: Credit card or prepaid card

I am still being affected by covid 19 and I need another payment waiver request.
Product: Credit card

A USAA 0 % promotion was offered and received on XX/XX/XXXX, with a 3 % balance transfer fee. Recurring bills did not stop as expected first month and higher interest occurred on those balances. Payments and credits were made above purchase and minimum payment requirements each month. The next month 0 % promotional balance dropped over XXXX and higher interest balance increased over XXXX. Minimum payment due was XXXX on USAA App and two places on page 1 at top of statement. When I asked where and how my payments were applied, Agent told me it is not documented but any where USAA wants it to go. I said well how will the higher interest balance ever be paid down. 
Also the USAA Agent revealed on the USAA statement buried at the bottom on page 4, next to last paragraph, there is a statement which reveals a higher minimum payment due than on the three places mentioned above.This is very important payment information that contradicts 3 other documents, can cause fees and should not be buried behind less important info.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

I want the CFPB
Product: Mortgage

I have a mortgage with Wells Fargo, which I originally obtained from XXXX XXXX  in XX/XX/XXXX. I have a XXXX FICO score and have never missed a single payment. In fact, I consistently pay an extra {$10000.00} to {$20000.00} toward my mortgage each month and am on track to fully pay it off in XXXX. 

When Wells Fargo acquired my mortgage, my insurance company was not informed of the change. As a result, they were unable to send insurance information to Wells Fargo. Wells Fargo then sent me a letter requesting proof of insurance. Due to the confusion, my previous insurance policy was canceled because we believed Wells Fargo was requiring us to obtain a new policy through them. This led to a brief lapse in coverage. 

The issue has since been fully resolved, and my insurance is in good standing. However, Wells Fargo is now charging me {$5000.00} for this short lapse in coveragean absurd amount considering my annual insurance premium is only {$1900.00}. This charge is unreasonable and appears to be a predatory practice. I am requesting that Wells Fargo remove this unfair charge immediately.
Product: Checking or savings account

My direct deposit came into my account as well as a withdrawal hold fees from the NC Tax was attached I asked bank to remove the fees but never did instead i accessed fees to my account in which turned into a collection matter I was harrassed by the bank to pay fees while my account was on hold the hold was released and the bank still held my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint previously because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Phone # : XXXX appeared on my credit report. The company failed to validate - i had no idea what it was. I received a letter from XXXX XXXX saying that XXXX XXXX was updated the three agencies and deleting the listing. The listing has since been removed from my XXXX and XXXX report, but Transunion however has still not deleted it.
Product: Debt collection

On  XXXX  I was contacted by CRS  XXXX . The gentleman told me he was a lawyer who needed to get my side of the story on a debt I owed before going into court. He stated he was a lawyer and that the company I owed the debt to had filed legal action against me for check fraud that was punishable by jail time, fines, and restitution. He stated that unless I gave him my debit card information immediately they were going to move ahead with the legal filing against me. What can be done about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX loan id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. Loan ID : XXXX Is reporting inaccurate information on my TransUnion credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX  keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my TransUnion credit report.XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information
Product: Mortgage

I have a mortgage through Watermark Capital serviced by XXXX. The first payment was due XX/XX/2019. I make payments through a bill payment service. When I did not see the first payment post at the XXXX website, I made a payment directly through their website to insure I was not late on the first payment. Turns out myloancare was just slow in posting the payment made through the bill payment service, so it ended up that I made the first payment twice. 

In early XXXX, I noticed that rather than applying the second payment to principal, they applied it as if it was early for the next month. They also applied the impounds to the next month, rather than to the principal. 

Since early XXXX, I have spent hours waiting on hold, left messages that were not returned, and have spoken with five agents - XXXX, XXXX, XXXX, XXXX - a manger, and XXXX. Each of the agents said the issue would resolved in some number of days ( varied among agents ) or that I would get call back by a manager. In each case, nothing was done and there was no follow-up. 

I am writing to see if a complaint to CFPB may help me get some action on my request.
Product: Mortgage

I just received a statement from Bank Of America where they paid my back taxes on my property. I have set payments up on my taxes and have never been up for tax sale. We have up to 2 years for taxes. I have always set up payments and never defaulted. What Bank of America did was set up an escrow a few months ago {$29.00} for taxes per month. With penalties I pay a little over {$2000.00} a year for all taxes that year. I never had problems with them before on this. I had a 20 year fix mortgage with countrywide home loans which bank of America bought out. I have a little over 5 years left on this mortgage. I have never missed a payment or been late on one. So what they did was added XXXX a month to my mortgage. My mortgage is XXXX per month. They now state that I have to pay XXXX per month. I was able to make my payments before. Now I wo n't be able to. That XXXX totals XXXX per year. I thank this is an attempt to foreclose on me with no just cause. There was absolutely no reason for this. I have to live just like anybody else including them.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX, XXXX, Equifax XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions
Product: Credit card

Capital one reported to my credit report late payments without my written consent. Without my written consent reporting anything to my credit report is violation of 15 USC 1681 ( b ). 15 USC 6801 requires financial institutions to protect the security and confidentiality of customer records and information. They gave my personal information to XXXX  and XXXX which is a third party company. This has created substantial harm and Inconvenience because I cant get any loans so I can get a car. According to 15 usc 6802 ( b ) ( 1 ) A financial institution may not disclose non public information to a nonaffiliated third party which XXXX  and XXXX is not. I also opted out of disclosing that information to them and they still reported send my private information to them anyways. According to 15 usc 6802 ( 6 ) ( a ) to a consumer reporting agency in accordance with the fair credit reporting act ( 15 usc 1681 ), or ( B ) from a consumer report reported by a consumer reporting agency which capital one, XXXX  and XXXX is not
Product: Money transfer, virtual currency, or money service

{$400.00} was taken out of my account by someone unbeknown to me by way of cashapp XXXX XXXX. I tried calling customer service and opened an investigation through my back to get the funs back. Being that cashapp is a 3rd party my bank charge me the full {$400.00} putting my in the negative.
Product: Mortgage

I was court ordered to get my ex-husband 's name off of the mortgage loan. I had already thought his name was off and had contacted Citimortgage about this. After being redirected to many people, a specialist assured me that my ex-husband 's name was off the mortgage loan. A week later when I received the court order, I contacted Citimortgage again. This time a different person figured out that he was off the deed of the house from when we did a Quick Claim Deed a few years ago, but his name was still on the loan. After trying to refinance at 2 different times and getting denied, I contacted Citimortgage Inc. to obtain paperwork for a release of liability claim. This was stated on the court paperwork. Otherwise, I would not have known about doing a release of liability. On XX/XX/XXXX, I received the paperwork which was just like applying for a refinance of a loan. It was long and tedious for a person to do by myself. I had to pay a {$900.00} fee in order for underwriters to take a look at the paperwork. They said this fee was non-refundable. On XX/XX/XXXX, I was notified of a denial of the release of liability.
Product: Debt collection

Collector CMRE Financial Services and XXXX XXXX XXXX. Their practices of harassment and are met with antagonistic and unlawful procedures! Do n't go to XXXX XXXX Hospital as their billing practices are harassment and borderline unlawful. I went in for a covered procedure surgery with prior authorization. Even with Medi-CAL coverage they will pressure you to pay all before leaving. I have received a collection notice and called them and said I just spoke to Medi-CAL and they are processing the bill, and here is their contact information. Besides being met with an antagonist harassing person ( she said her name was XXXX ), she asked if the number I was calling from was my cell phone. Fearing a trick to acknowledge my number, I hesitated, but remembered I 'm on the " Do Not Call '' list and they cant call for collections as I have only a certain amount of minutes. She said she could n't go any further without my answer, and since I wanted them notified of the bill being processed, I confirmed. She then asked me if it was ok to call this number for collections. I said, ABSOLUTELY NOT! Within 1/2 hour of hanging up I 've been receiving multiple collection calls on this account! Sometimes using a different name ironically. Up to this point I have n't received XXXX call from any collection services. Ironic? .. or do they pass the number along so they can skirt the law. Besides the terrible billing practices of XXXX XXXX HOSPITAL, I would n't recommend ANYONE going there. This is an obvious collection svc for the XXXX department. The bill is not unpaid, as the billing is still going through Medi-CAL but that does n't stop the harassment by both XXXX XXXX Hospital and CMRE Financial Svc 's and XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

When I disputed with you last time all three reporting agencies updated my credit file and show I have a bankruptcy reporting within the last 3 months and I filed that over 4 years ago. There has been no negative on my credit since then yet because all three " refreshed " the status and made remarks it brought everything up as if it was current. This has dropped my score over XXXX points in the last 3 months. Since XXXX of 2020 I have no negative remarks on anything in my history yet they update the file and then it tanks my score.
Product: Debt collection

I was charged for damages on an apartment. I paid within a few months. 9 months go by after that and I get another statement. The collection agency never notified the apartment company and my credit score dropped significantly.
Product: Debt collection

Professional Debt Mediation continues to report this collection account to be opened but it was discharged in XXX 2016 with a  chapter XXXX BK. I have disputed this account status as " opened '' a couple of times with XXXX  but the collection agency refuses to remove still. I get numerous calls, just about daily, from the number in XXXX, which is where their offices are located. I have been referred to by my BK lawyer to a consumer affair attorney, XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX ) and plan to proceed with a lawsuit if this is not handled ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting wrong information on my credit report.I told them the account dont belong to me and to send me the original signed agreement, and account original balance and they will not validate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My information was leaked in the equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX  XXXX and is affecting my mental well being. 

XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. First Flaw is the date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the XXXX and Experian ( XXXX ) from the XXXX report ( XXXX ). Third Flaw is the payment status report which differs from XXXX and XXXX ( Late 120 Days ) from Experian ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from XXXX and Experian ( XX/XX/XXXX ) from XXXX ( XX/XX/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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.

I have tried to communicate to the companies involved through the XXXX otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.
Product: Debt collection

There were 2 pending bills one from water utility and one from electricity that got left over when I moved the accounts to my tenants. For some reason, I was not aware of it and these went to debt collector. The debt collector never informed me and report to credit rating and this resulted in a XXXX point deduction in my credit score. This is directly affect my ability to take a mortgage now. The pending bills total is about XXXX . The moment I learnt about it last thursday, I paid it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX XXXX needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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