23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX AUTO # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$560.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$670.00}
Product: Credit card or prepaid card

My bank of America XXXX  prepaid card was somehow hacked and XXXX was Stolen from my account.After disputing with bank of America, they denied and closed my claim. I called back in XX/XX/2022 and finally got a reconsideration to have my claim reinvestigated. It is now XX/XX/XXXX which is over the 45 days they said they will either refund my Stolen money or give me an update. I can't get the bank to give me any updates. My landlord has filed an eviction to pay or quit so I'm about to become XXXX  and it's not just me it's also my XXXX XXXX XXXX XXXX  I really need help .please help me get my money that was stolen.thank you
Product: Credit card

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : CFPB Complaint Regarding Citibanks Failure to Honor COVID-19 Credit Card Pause Request To Whom It May Concern, I am writing to formally file a complaint against Citibank concerning the management of my credit card account. During the COVID-19 pandemic, specifically in XX/XX/XXXX XXXX I elected to take advantage of the federally provided option to pause my credit card, a relief measure designed to assist consumers during this unprecedented time. 

Despite my timely and proper request to pause my account pursuant to the federal guidelines available at that time, Citibank failed to honor this request. Instead of freezing the account as required, Citibank continued to impose fees, penalties, and interest on my account. These additional charges have significantly increased my balance beyond the credit limit, and the account was ultimately reported to collections. Consequently, my credit score has been severely impacted by these actions.

I have maintained comprehensive documentation of all related communications and account statements, which clearly show that I followed the correct procedures to request the federal relief option. My attempts to resolve these issues directly with Citibank have not yielded a satisfactory response, leaving me with no alternative but to seek intervention from your agency. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask that you : Determine whether Citibank violated any federal regulations or consumer protection laws by failing to implement the COVID-19 relief provisions.

Assist in facilitating the correction of my account to remove improperly applied fees, penalties, and accrued interest. 

Work toward having any negative reports related to these actions removed from my credit reports to restore my credit standing. 

Enclosed with this letter, please find copies of all pertinent documentation, including my initial relief request, correspondence with Citibank, and account statements detailing the charges and subsequent reporting actions. 

Thank you for your prompt attention to this serious matter. I trust that your investigation will help resolve the issues and protect consumer rights in these challenging times. I look forward to your response and to a resolution that rectifies the adverse effects on my financial standing. 

Sincerely, XXXX XXXX
Product: Credit card

PenFed often blocks my online access for no discernible reason. I only use online access to pay my credit card. The payment is due today and I can't log on to pay it. Worse, because today is sunday all of their offices are closed so I can't contact them by phone. I'm quite certain that they will try to apply a late payment fee, but this is their fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

I supplied Total Visa a letter dated XX/XX/2021 which requested cancellation of my Visa credit card. The annual fee of {$48.00} posted on XX/XX/2021 and the monthly serving fee of {$6.00} should have been eliminated by my cancellation request. XXXX XXXX charge posted on XX/XX/2021 should not have been honored as the cancellation letter is dated XX/XX/2021. Additionally, XXXX did not have the authority to charge {$190.00} to my account. A letter from XXXX admits the charge was not legitimate and reversed this charge from my account. That reversal was made by Total Visa within five to seven days of XX/XX/2021. The remaining charges of a service fee of {$6.00} posted on XX/XX/2021 ; a late fee of {$29.00} on XX/XX/2021 ; and an interest charge of {$4.00} on XX/XX/2021 occurred well after the XX/XX/2021 date of the cancellation letter. This dispute was answered by letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX, servicing bank for Total Visa denying my request to eliminate the {$94.00} charged to my account for the annual fee, servicing fees, late charge and interest charges. These charges were all placed on my credit card by Total Visa. The only phone number that I have for XXXX XXXX XXXX or Total Visa in XXXX XXXX, SD is XXXX. My name is XXXX XXXX at XXXX is XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. Total Visa credit card # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I look on scoresense to check for accuracy of my report. I notice I had a couple of inquiries I had no idea of nor authorized request. I call Trans Union customer service ( I know this is going to be a run around ) and the representative would not help take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit report showed slow payment information for a credit card I never had. I called many times and disputed through XXXX but Chase refused to provide me with the original application with my signature and would not tell me what was purchased with the card. I had my mother on the phone with me and they wouldn't help even when she called them. She tried to explain this was fraud but they could not or would not provide the information she requested which was a copy of the original application with my signature or the information on what the credit card was used for.
Product: Credit card or prepaid card

I was notified by XXXX XXXX of a hard inquiry that was made against my credit on XX/XX/2022 for a XXXX XXXX XXXX Credit Card. I called XXXX XXXX 's credit card services and reported the fraud and had them cancel the credit card application. I asked the representative what address the credit card was opened under. That address was an address I lived at over 5 years ago, so I'm assuming they had opened mail for a credit card that was sent to that address and sent in the application. 

The XXXX XXXX XXXX XXXX provided me with a reference number for my case, so they are already aware on their end.
Product: Debt collection

I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are currently reporting a {$790.00} debt.
Product: Mortgage

XX/XX/XXXX, i filed a complaint.. It was PARTIALLY resolved On XX/XX/XXXX. 

my loan was on forbearance due to the pandemic. During that time frame, My loan was NOT to accrue interest during the relief period. 

On XX/XX/XXXX i received my loan modification documents via fedex. There was NO estimated unpaid principal balance breakdown documents. 

On XX/XX/XXXX i received via XXXX a correspondence notified that was written on XX/XX/XXXX. 

This document did give the Breakdown estimate of unpaid principal balance. 

Mr. Cooper has added {$10000.00} for Delinquent interest which they can not apply Under the covid 19 relief act. 


In XXXX when i received my erroneous loan modification, my interest rate was locked in at XXXX. NOW due to Mr. Cooper delay on my loan modification that has taken over 18 months. my current interest is XXXX. 










When my forbearance timeframe expired, Mr. Cooper made an major error on my loan modification. They had my former husband name on my modification loan. The underwriters had the right book number BUT wrong page number from the Registry of Deeds in the Town of XXXX, Ma. I refinanced in XXXX when i finalized my divorce. My former husband name was not on the mortgage and is not on the title of deed. This is all documented at the town of XXXX registry of deeds. My loan company was XXXX, it was bought out by Mr. Cooper XXXX. 

The delay on my loan modification was fully due to the underwriters. From XXXX to XXXX i made numerous calls, written emails to their complaint Department along with a written faxes to lost mitigation, which i received XXXX response. IF the underwriter had corrected modified my loan by simply deleting my former husband name which should not have taken more than a week, i would not have wanted 2 years to have my loan modification RECTIFIED. Removing my former husbands name off my loan is all that needed to be done to make my loan free of errors. I faxed with a certified notary from the Town of XXXX MA, registery of Deeds my property deed and mortgage, I only received a response after i filed a complaint with the CFPB in XX/XX/XXXX The delinquency of accrued interest needs to be exorcised.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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: Mortgage

I sold my property at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The mortgage company is PHH, originally with Ocwen. This was in a deferment due to Covid. The payoff of {$21000.00} was good through XX/XX/22. The loan was paid off XX/XX/22 with an escrowed amount of {$2700.00}. When I first contacted the company on XX/XX/22 I was told a check was sent to the old address on XX/XX/22. The the representative corrected herself to say the funds were escrowed for taxes & ins. I asked for a detailed statement to explain where funds went. After this conversation I contacted the local property tax division & the ins co in which neither had received payment. I called PHH back & was over talked, informed about the interest added daily in which I explained I was aware of that but that daily interest should be charged for those days in which it was paid off but I was told there was no overpayment. I was informed the loan payoff was good through XX/XX/22 & yes, they received the payoff early but that was it, it was paid off early & that was that, there was not any funds to be reimbursed. 
The letter I received from PHH specifically said there were no surplus fund & none would be returned. There was no statement explaining where the funds went. 
This is unacceptable. The customer service needs to be more customer friendly. They need to understand what they are telling customers & this company as a whole should be enforced to abide by the rules & regulations of mortgage loan holding. I talked to 2 representatives & was given 3 stories. A statement request should give detailed information, not merely a statement to say there was no surplus therefore you arent owed any money, especially when you have the payoff statement from the title company saying differently!
Product: Credit reporting or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or was opened without my permission. XXXX XXXX XXXX Balance : {$3500.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

received noticed of unpaid medical bill from debt collector ( not sure when first received - sometime this year XX/XX/XXXX ). possibly received from State Collection Service in WI. <P/>debt is from services received from XXXX XXXX of Wisconsin. date of service XX/XX/XXXX & XX/XX/XXXX. <P/>we would gladly pay any amount owed however we never received any bills from the hospital. naturally upon receiving the debt notice i contacted XXXX immediately to try find out any information regarding the service etc. At that time they acknowledged that they had the incorrect address on file and perhaps the reason why we never received any bills. they told me they would send the information to the correct address. <P/>however after not receiving i contacted them again ( repeatedly ) only to be told that they would not provide any information, that they had turned the debt over to state collection service and i could only discuss with them. <P/>again, have absolutely no problem paying this bill. first however i never received any bills in the first place and second obviously i need detailed information as to what i 'm being billed for. i have an excellent credit score. <P/>thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX XXXX ) {$1100.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) ( {$760.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX/XXXX XXXX XXXX account is. I have never signed an agreement with XXXX/XXXX  XXXX XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is reporting XXXX late account # XXXX loan opened XXXX and paid off, they will not remove XXXX late its been over XXXX years. I have hired XXXX XXXX to remove it and they told me I must file this report. Its way over the statute of limitations. 

This XXXX XXXX loan was on XXXX and XXXX XXXX names Thank you
Product: Checking or savings account

Someone stole my debit card and my PIN number to my Hancock Whitney Bank bank account and made quite a few unauthorized ATM withdrawals and store purchases within 3 days time. As soon as I discovered what had happened I immediately contacted the bank and filed a dispute. The following morning I contacted the police and filed a police report. Dates and Amounts posted to my account are as follows in chronological order : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've have filed disputes a total of three times and was denied each of the three different times. I have filed a report with the police that is being investigated currently. The Bank has still refused to reimburse the money stolen out of my checking account even though I did not give any authorization to anyone whatsoever to have use of my bank debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA violations : accounts are not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed.

XXXX Potentially negative Date opened XXXX Balance {$0.00} Status Closed. {$610.00} written off.

XXXX Potentially negative Date opened XXXX Balance {$0.00} Status Closed. {$530.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1600.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} XXXX XXXX account. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX XXXX account. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$75.00} Status Account charged off. $
Product: Money transfer, virtual currency, or money service

A few months ago I noticed that everytime I send a cash app. I was now being charged XXXX for each amount i sent. For example if i cash app my daughter XXXX cash app charges me XXXX. I didnt receive any communication in reference to the change. The receiver has always had to pay a fee to receive funds instantly but never the sender. There is no contact information and no one I can get a hold of to inquiry about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the XXXX XXXX. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXX bank Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXX XXXX DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything