23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX, XXXX functioning as XXXX XXXX credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from Trans Union. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding this incorrect account being listed on my credit report. This issue has negatively impacted my reputation, and I need your support to resolve it. Your mishandling of my report has greatly affected me, and this mistake has tarnished my reputation. You must take action to remove this incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Product: Mortgage

Recently my husband, XXXX XXXX XXXX and myself recently began paying ahead on our Mortgage and now Bank of America wants to take our money and apply to the Principal after we have directed payments to be applied directly to the next outstanding monthly payment. I, XXXX XXXX paid the XXXX Payment in the amount of XXXX online via our online Bank of America Account on XX/XX/XXXX and this payment was to cure the XX/XX/XXXX Payment and after I physically directed the funds to apply to the XXXX payment, BOA applied the payment to Principal and it was approximately 15 days before it was reversed and corrected, the last person I spoke with at BOA informed me that this should not happen again. I informed that person that I somebody should have to contact us if they are unsure about what to do with the payment and was kindly told that they could not do that, it would take too much time and there was not any other place to send the funds, they had to be applied to something. XXXX is XXXX  XXXX and the nearest branch is 35 miles away considering that we no longer have a local branch here in the county that we live in. With that being said, I then proceeded to make the XX/XX/XXXX payment which was paid online via the website on XX/XX/XXXX in the amount of XXXX and there was not any problem, I assumed that the problem in question had been resolved considering that the XX/XX/XXXX payment was now cured with XX/XX/XXXX being the next payment due but on XX/XX/XXXX I made the next payment of {$1100.00} and should have cured the XX/XX/XXXX Payment via online the BOA Website and the next business day, I noticed that the payment once again had been applied to Principal with the XX/XX/XXXX payment still outstanding and once again I have contacted BOA and stressed to them that we once again have directed where the funds were to be applied and I want the payment voided and reentered correctly and was kindly told that it didn't work that way and there was no time frame or limit as to when or how long the request could take. Legally unless they have written directions from us they should not be allowed to process any Mortgage payments to Principal without our permission. This is very Deceptive and I know why they do this due to the interest and we still show that the XX/XX/XXXX Payment is due but we dont have the money to send large amounts just for the Principal Payments, we do send Principal payments but nothing over {$100.00} has ever been mailed to apply to Principal. Now how can you assist us with getting this matter resolved and the payments being applied as if we were not 2 to 3 months ahead? That should be our prerogative how the funds should be applied not BOA 's. 
I have written the bank but have not received any response. We thought that this had been resolved on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

What is reported on my credit does not match the invoice I was give by collection agency. I gave credit bureaus that & proof my identity was stolen twice & they keep siding with collection agency. The apartment on my credit is in Georgia, I contacted them & provided that proof to the credit bureaus. I have told this collection agency many times that their info is false & to get it off my credit. They send me an invoice for a complex on XXXX, tx yet post a complex in Georgia on my credit. My lawyer has been disputing this with them since XXXX  yet after everything its still on my credit report. Ive given credit bureaus letters for complex in Georgia stating I never lived there, police, XXXX XXXX XXXX reports but they side with collection agency. I & my lawyer have given all this to collection agency & still its on my credit for $ XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXXXXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX  XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cashapp. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I paid to XXXX for car rental in advance of pickup in the sum of {$160.00}. The car was to be picked up from XXXX ( XXXX ) on XX/XX/XXXX to be dropped off XX/XX/XXXX. Upon arrival at the Merchant 's office, I was asked to pay a deposit for insurance in the sum in excess of {$1800.00} ( XXXX Dollars ). I informed them that my credit card ( Bank of America ) had auto-insurance that covered the rental car. They rejected and insisted I must cough out the requested amount. I reminded them that I was not informed at the time of the transaction that I would be required to pay ten times the car rental charges as insurance nor was I pre-notified that card-backed auto insurance would be rejected. 
As I could not afford what was being requested, and believing that it was a way of fleecing me, I requested to be refunded my advance payment. The Sales Representatives requested me to contact XXXX. Astonishingly, nowhere on all the receipts and other information sources were the contact details of XXXX was stated. 
I eventually was able to find the contact details on the internet and put several calls through that went into voicemails. 
The only option left was to dispute the transaction as the merchant had made it impossible for me to obtain the service I paid for. 
I provided all the information requested to Bank of America and after couple of weeks, I was written a letter by the Bank that I could not be refunded because the merchant made the service available but I did not avail myself of the service. 
My complaint is that the Bank ( Bank of America ) aided the merchant in under-cutting me. The Bank knowingly provided me with an auto insurance-backed credit card that they knew would not be acceptable to car rental companies and did not do anything to my knowledge to challenge the merchant as to why the auto insurance was rejected. 
The Bank 's action is a breach of Dodd-Frank Act ( UDAAP ) Unfair, Deceptive, Abusive Act Practices ) by knowingly selling to me a credit card product ( auto-insurance ) that is evidently worthless in the market place. I feel strong about this particularly the way the Bank Agent that I spoke to responded to me with a high level of non-chalance. 
I hereby appeal to CFPB to assist in investigating this deceptive transaction with the aim of recovering the sum of US {$160.00} that was surreptitiously debited to my account by the merchant in connivance with the Bank of America.
Product: Checking or savings account

My interest from XX/XX/XXXX is currently being held XXXX by Chase Bank. I have contacted them numerous times via phone and in person. They keep passing me from one person to another and refuse to give me concrete answers. I have attached cards of employees/management at Chase Bank that I have tried to work with and no one will get back to me. I'm told this has been escalated but have never received a response. On XX/XX/XXXX I went into the bank and had all of my brother 's funds transferred to my account totaling {$500000.00}. When I received my account update on XX/XX/XXXX it showed {$250000.00} in the account. When I went back to the bank to speak with XXXX XXXX, who created my Certificate of Deposit, they said she was no longer working for the company. No one wants to take responsibility for this error and they are refusing to back date the interest on the {$500000.00}. Chase Bank escalation department is offering to backdate the interest starting on XX/XX/XXXX to the present date, which means I will have lost over {$7000.00} in interest.
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 XXXX 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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 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 and other adverse items of information, other than records of conviction 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: Checking or savings account

My account was closed by XXXX XXXX  on XX/XX/24 because physical address was not met. I had updated my address multiple times online but after the closure they said I needed to do it over the phone, which I was never told about. 

They said they mailed my check for {$XXXX}, which I never received. Then they made me wait 22 days to reissue a check. I called back today to ask for the reissue and they said they will be mailing an affidavit and once they get that back I have to wait 90 days to get my check. 

I don't know how it's legal to tie up my funds for 90+ days without my authorization and everyone at XXXX saying there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several times disputed an account that i noticed at the start of XX/XX/XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XX/XX/XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XX/XX/XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having transunion, XXXX, and XXXX remove this from my report as soon as possible.
Product: Credit card

Subject : Formal Complaint Regarding Unresolved {$12000.00} Refund with Citi Credit Card Dear Sir/Madam , I am submitting a formal complaint regarding an ongoing issue with my Citi AT & T More credit card account ( ending in XXXX ). On XX/XX/XXXX, a payment of {$12000.00} was made from a business checking account ( XXXX XXXX, ending in XXXX ), which resulted in a negative balance on my credit card. The payment is valid and was made by someone I know. I contacted Citi customer service to request a refund of this negative balance via check sent to my billing address. 

In XXXX, I received a letter from Citi asking for a payment receipt for the {$12000.00} transaction. However, the letter did not outline any deadlines or consequences for not providing the receipt. On XX/XX/XXXX, Citi rebilled the {$12000.00} to my credit card account, which was reflected in the XXXX statement. 

On XX/XX/XXXX, I faxed the required payment receipt to Citis payment department, and on XX/XX/XXXX, I received written confirmation that they had received the receipt. Then, on XX/XX/XXXX, Citi sent a letter stating that my account had been credited with {$12000.00} as shown in the XXXX statement, which is incorrect. 

Despite numerous calls to Citis customer service and attempts to escalate the issue, the matter remains unresolved. I am requesting your assistance in either issuing a refund of {$12000.00} or crediting the amount back to the original business checking account ending in XXXX. 

Attached are the relevant statements, receipts, and correspondence for your review. I would greatly appreciate your prompt resolution of this matter. 

Sincerely,
Product: Checking or savings account

Pentagon Federal Credit Union has a publicly posted policy that in branch withdrawals of {$2000.00} or more require 24 hours notice. I gave the branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX notice on XX/XX/2023 at XXXX notice I need to withdraw more than {$2000.00} from my checking account. It is now 72 hours later and I have been unable to withdraw funds my checking account. There is no direct phone number for the branch or branch manger. Unfortunately, the branch is a 35 mile drive one way so I am not easily able to just go talk in person. I have called the publicly posted phone number, XXXX, multiple times with representatives telling me they will contact the branch manager. The first name of the manger is XXXX, I have not been given his last name. I have been told three times over the past two days that XXXX the branch manager will contact me directly to discuss my request. My deposited funds are being held hostage and the bank is not following their policy. I am unable to make a purchase I need because the bank will not release funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items listed on my credit report. Upon reviewing my credit report, I noticed two negative items that require immediate attention. 

Firstly, I found an inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX, which was not authorized by me. I have no recollection of authorizing this credit pull, and therefore, I demand that it be removed from my credit report immediately. 

Secondly, I noticed an account listed under the name of XXXX XXXX XXXX XXXX XXXX XXXX with an account number of XXXX. I do not recognize this account and kindly request that you investigate whether it belongs to me. If it does not belong to me, please delete it from my credit report. 

I understand the importance of maintaining a good credit score and I am taking the necessary steps to resolve these issues as soon as possible. I would appreciate your prompt attention to these matters and the removal of these negative items from my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX original creditor XXXX XXXX XXXX - is reporting incorrectly to Experian and XXXX  a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX. This account is fraudulent and does not belong to me. Experian and XXXX  are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.
Product: Debt collection

This collection company is reporting inaccurate information to my credit report. I am writing to them to cease & desist from reporting or communicating with me regarding this debt that I do not owe.
Product: Credit reporting or other personal consumer reports

I see this in my email for a XXXX loan that I did not get or use, so I tried to call but can't get in touch with anybody. Like I'm on the do not call lists.
Product: Debt collection

The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.
Product: Credit card

I called in to make a payment on my credit card and used the option to pay the entire balance due. This was on XXXX XXXX and my bill was due XXXX XXXX. I received a bill in the mail on XXXX XXXX saying that I owed interest of {$2.00}. How can i owe interest if I paid the entire balanxe due? When I called in they told me that the statement closing date and the due date were different and I was charged interest based on the statement closing date. They said it was my fault and when I asked if I would be charged interest again in XXXX I was told yes.
Product: Checking or savings account

On the XXXX of XX/XX/2019 I made a {$1500.00} deposit into my Wells Fargo account ( {$900.00} in Checking and {$600.00} in Savings ) Following that successful deposit, for which I have my receipts, the next day, I was not seeing the money in my account, despite the fact that I had made a cash deposit. I spoke to a number of Wells Fargo customer service people on the phone and then I also physically went to Wells Fargo to sort the problem out all to no avail. Today is Thursday XXXX XXXX and I am still having to waste time trying to get my money back. I've already taken at least 6 hours off work trying to get my own money back. The amount of mental anguish this has caused is not acceptable.
Product: Debt collection

Enhanced Recovery Co XXXX incorrectly reported the origional deliquency date from the origional account that it reported to the credit bureau. Deliquent accounts are to remain on an individuals credit report for a mere 7 years. The origional date of my delinquent account was late XXXX, however Enhanced Recovery Co XXXX has it dated for XXXX XXXX, XXXX and at one time I had two collection agencies, with Enhanced Recovery Co XXXX being one of them, open on my credit report for the same debt. This type of faulty information negatively affects my credit report. Federal law requires that collection agencies report the origional delinquency date from the origional account. This debt was incurred by XXXX XXXX XXXX XXXX and was a result of failed contractual agreement. I signed into a contract with the company for a monthly fee in exchange for cell phone service. When my cell phone failed to get reception because of the city where I lived during that time, I called to advice them on their failure to provide the service I paid for. They adviced me a tower would be built in the next 2 years, this was in XXXXI was forced to switch companies given that I was paying without receiving service. The debt was the cancellation fee of contract breach, even though they in fact breached the contract.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$380000.00}