23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/2024 I have been contacted by people identifiying as Chase Bank, phone XXXX XXXXXXXX they called at XXXX XXXX XXXX and XXXX XXXX XXXX. They hang up when we answer XXXX XXXX XXXX XXXX, which we own. I call them back and they ask for a XXXX XXXX... we tell them that we have no one here by that name, and they have reached a travel agency, along with if they can prove a dept for XXXX or XXXX XXXX, or the company then we will discuss it with them, but since we do not, nor ever had an account with Chase Bank, not to call us unless they prove a debt, or wish to purchase travel. Both times they said that they would not call us back, and then call again. I have no idea who the person is they are looking for, but need to stop harrassing us and tying up our phone line.
Product: Credit card or prepaid card

I went through XXXX to rent a car from XXXX XXXX XXXX  XXXX in XX/XX/2019. XXXX charged my Citibank XXXX in full and in advance ( {$760.00} ) for the rental car. 
However, when I went to the XXXX XXXX XXXX XXXX in XXXX to pick the car up, XXXX told me they didn't have any rental cars available. To be clear : XXXX charged me in full for a rental car from XXXX, but XXXX did not have any rental cars and could not ( and did not ) deliver one to me. 
Because this was obviously a breach of the XXXX agreement, and also potentially fraud, I disputed the charge with Citibank. I have provided extensive evidence to Citibank ( and to XXXX ) that XXXX did not have any rental cars- including emails from XXXX confirming that no rental car was delivered to me, and confirming that XXXX approved a full refund to me on account of the absence of any cars. ( I am attaching just some of the documentary proof of the foregoing ; I have more, including a recorded phone call with XXXX confirming that they had no rental cars. ) Despite this overwhelming evidence that XXXX charged me in full for a service that they did not and could not deliver, Citibank refuses to issue the refund. ( XXXX also won't respond because I disputed the issue with Citibank. ) XXXX has effectively defrauded me out of {$760.00} and Citibank is helping them do it.
Product: Debt collection

Dear AmSher Corporate, I am writing to formally dispute the claim that I have an outstanding debt. After thoroughly reviewing my records, I can confirm that I do not owe any money to your company or any affiliated entities. I believe this claim is an error and respectfully request that you cease any further collection activities.
Product: Credit reporting or other personal consumer reports

In complaint XXXX, you stated that the company has updated my credit report but that is incorrect. I was recently denied access to multiple loans and questioned by NH bar admission regarding the late payments showing from XXXX from Comenity. They have not fixed my credit report and every attempt to rectify this with Comenity directly runs into errors from the company. I am told they are experiencing difficulties and to call back later. I need to have this removed and request that the company be held responsible for their lack of good faith and deterred drom these activities in the future. I even attempted to fix my credit report for the 4th time, latest being around XXXX where Comenity reconfirmed the late payments that are inaccurate as I never missed a payment. Thank you and best wishes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am able to get my free annual credit report from XXXX of the XXXX credit bureaus since XXXX However, I have not been able to access my free annual credit report or manage my credit freeze with Equifax. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.
Product: Debt collection

I discovered on XXXX XX/XX/year> that an account was created in my name in another state. I disputed the bill on XXXX as identity theft/fraud on XXXX XX/XX/year>. 
I contacted XXXX XXXX XXXX XXXX ( debt collector ) that this was identity theft. 
I contacted the utility company to start a file of identity theft. 
I was told to get a complete notarized identity theft report from CFPB. 
I will be going to law enforcement to fill an identity theft report. 
I am being required to take a lot of steps to prove this is not my account. It is very frustrating that I have to prove that someone else has stolen my identity.
Product: Credit card or prepaid card

I went to Victoria Secret on XX/XX/22 and was told to sign up for a card to get a discount. I asked, " will this affect my credit score '' Cashier XXXX said this wouldn't affect my score when I apply or if I closed the card. 

I submitted the application thinking this was a rewards card. It was not clear to me that this was going to have a hard inquiry on my credit report and I also asked if this account was closed if it would affect my credit. The Cashier said this application does not affect my credit. Now this account has affected my credit report and I was mislead in believing it wouldn't. 

They have sent me a card, but I do not want to activate it because I do not agree to having this card. 

I am attaching the receipt to this complaint.
Product: Credit reporting or other personal consumer reports

Inaccurate accounting sent XXXX money order, was not applied to my account.
Product: Mortgage

We got a construction loan from an out of state lender. It is over a year past construction completion date and the house is unfinished and exposed to elements. We continue to pay the mortgage in its entirety, even though the bank has only release a fraction of the approved funds. The bank and its CEO are all aware of the situation but continue to ignore the situation and have not done anything to protect the house or rectify the situation. We are not allowed to access the borrowed money. We continue to bare the financial burden of paying for a mortgage on a house which is unfinished and is in perpetual worsening condition and is rendered uninhabitable. The bank is the ultimate arbitrator within the mortgage agreement yet has acted irresponsibly and negligently within respect to the house and its condition to the elements and in respect to not mending the mortgage payment monthly to reflect what amount of money has been released to offer some kind of financial relief.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Approximately 18-24 months ago we started receiving letters from Navy Federal Credit Union ( NFCU ) about the vehicle title to our XXXX  XXXX XXXX . The letters had stated that they have not received our title from the Florida DMV and that we needed to call the DMV to request that it be sent to NFCU showing they were the first lienholder. We called the DMV on numerous occasions and were told that the title states that they are, in fact, first lienholder ( which we have known since purchasing the vehicle ) and that it is an electronic title and NFCU has the ability to pull that information from their database and they will not release the title to myself and my husband. When I called to notify NFCU about this ( on numerous back - and - forth phone calls over the course of 6-8 months ) each time we were told it would be handled but months would pass and we'd receive another letter. The most recent letter we received in XXXX stated that if we did not resolve this issue of the title, they would transfer this loan into a personal loan with a rate of XXXX % ( up from our 2.5 % ). This prompted us to call AGAIN and we sat on the phone for over 2 hours discussing this issue and how to resolve it as there is absolutely NOTHING further we are able to do on our end. They said it looks like there was a " coding '' issue and notes were taken down on our account. I even sent over proof they were listed as first lienholder with documentation from the DMV ( not a physical title ) showing them as first and only lienholder. I was assured numerous times during the end of this call that she had managers on board with this, everyone was aware and that they would take care of this and to not worry and we hung up. We stopped receiving letters and figured this was fixed ; as we were assured ... We logged into our mobile banking app to discover they had jacked up our rate and transferred it to a personal loan. We called again last week or two ago to discuss fixing it but the title department was closed and we were told, yet again, this would be fixed and that she didn't have access to fix these issues. Now we have STILL not heard back after being assured she was contacting the title department. 

This has been ongoing for so long and we have been very patient, as we do truly love Navy Federal as an organization. They have always had phenomenal customer service and treated us very well and we would love to continue to bank with them. However, this particular issue and the lack of urgency and follow-up is concerning to me. I have never been delinquent on any loan or payment, I have provided the proof they asked for and have always been understanding with them on the phone but this is just going on for too long and we have no where to turn for a resolution.
Product: Mortgage

This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I thought was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they zeroed out my taxes and just put XXXX in the would-be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. Prior to today It also showed that my taxes were deferred in their system as well. Now for the third year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. As of right now, my escrow account is $ XXXX. A negative escrow account means my payment will go up over 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX, even after they corrected the issue last year. This is the third time in a row!!!!! There needs to be a fine at this point. This is egregious and its obvious they care nothing about the well-being of their customers. Please help me again. Thanks.
Product: Checking or savings account

I was scammed by my friends phone account whose account was scammed. I had made a payment using my Capital One account checking via XXXX and had send {$700.00} dollars. I had no clue that the money I was sending was going to the imposter who had hacked my friends phone. When I found out I called the bank to request a dispute. The bank then had denied it and gave me misleading information in regards to XXXX. I also experience some rude costumer service in the fraud department and was denied for my claim even though i provided all the proof of messages from the scammer. I am not sure what else to do I feel very bad since this is the first time this happens and the support of Capital One had not been at all pleasing. I hope this complain about the scammer and Capital one helps.
Product: Debt collection

Ive never received any communication about this alleged debt. It just popped up on my credit report out of no where this year. On XX/XX/2021 I sent a validation of debt letter to their address. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. It has now been as of today XX/XX/2021 it has been 49 days and I have yet to receive validation of this alleged debt, yet they recently reported once again on XX/XX/2021 this debt to the credit bureaus.
Product: Debt collection

Subject : Dispute of Debt and Rights Violation I am writing to formally dispute the debt that you claim I owe, as listed on my credit report. I am disputing all amounts that you allege I owe and require full validation of this debt in accordance with federal consumer protection laws. Additionally, I am revoking any and all rights of communication with me via phone, email, or text message. Any further attempts to contact me outside of written correspondence will constitute a violation of federal law. 

Violations and Legal Citations I have identified several violations of my consumer rights as outlined under the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information but has still placed the collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account as required by law.

3. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) :
The collection agency is unlawfully furnishing information to consumer reporting agencies without providing the necessary disclosures mandated by law.

4. 15 USC 1692k : If you continue to contact me in any manner other than written correspondence after this notification, you will be in violation and subject to damages of {$1000.00} per infraction.

Requests for Validation and Documentation To address this matter, please provide the following : 1. Debt validation information as mandated by federal law.

2. The purchase agreement between your agency and the original creditor that legally assigns this debt to your company.

3. Proof that your agency is licensed and bonded to collect debts in my state.

Failure to comply with these requests within 30 days will result in further action, including but not limited to submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for the violations outlined above.

Please consider this letter as a formal revocation of all rights to contact me by phone, email, or text message. All communication must be in writing and sent to my mailing address listed above.
Product: Credit reporting or other personal consumer reports

In XXXX I was convicted of a felony and stoped making payments on my debt. I have contacted the companies and have had no response. 
My credit report still shows a debt from XXXX XXXX of $ XXXX that was paid in full and the only fees are charges that they illegally charged. 
My credit report shows a debt from XXXX of {$5700.00} that has been delinquent since XXXX. It should be removed. 
XXXX XXXX shows a forclosure. I turned the house over to XXXX XXXX  in a simple lieu of deed. They were fully compensated for all loans and additional fees XXXX XXXX XXXX of {$3000.00} is simply an old creditor sold my bad debt and they continue to act as if it is a new debt. When in fact it is a bad debt from XXXX XXXX XXXX debt of {$560.00} is a company I have never heard of XXXX XXXX {$400.00} id another company that I never dealt with XXXX XXXX  {$130.00} I never dealt with XXXX {$88.00} i have no information about this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.
Product: Student loan

I paid {$100.00} on XX/XX/XXXX for a forbearance on my loan. I received an approval letter on XX/XX/XXXX for forbearance from XX/XX/XXXX to XX/XX/XXXX. I was told, I could only re apply for forbearance after XX/XX/XXXX, so I reapplied on XX/XX/XXXX. Navient had me, due for a payment XX/XX/XXXX, but my forbearance was approved before them. I called them with the forbearance approval and they drug around and didn't tell the payment department. Then they had me owning a payment that I didn't owe. Now, they mailed a new forbearance letter out, stating my new forbearance is from XX/XX/XXXX to XX/XX/XXXX, due to a late payment in XXXX. I paid for my original forbearance {$100.00} for XX/XX/XXXX to XX/XX/XXXX. Not a new forbearance I didn't pay for dated XX/XX/XXXX to XX/XX/XXXX. Need help with Navient business dealings.
Product: Debt collection

I attempted to call, pay off debt and requested letter from Tek-Collect, Inc. I fought out this company never had my new address since moving in XX/XX/XXXX. I called the XXXX XXXX XXXX and fought out Tek-Collect Inc made false statement concerning conversation in XX/XX/XXXX. I was told the company does not accept XXXX card and my checking is with XXXX. This company was making in hard to pay an account open with XXXX   since starting in XX/XX/XXXX when I received product never paid for, which never got in touch with me either. I received service from the hospital, which I worked for since XX/XX/XXXX.
Product: Credit card or prepaid card

Credit application on XX/XX/2022 from a TD CARD SERVICES
Product: Credit card

XX/XX/scrub>XXXX Someone applied for a credit card that was fraud
Product: Mortgage

I have applied again for forbearance on the corona virus rule AND I became XXXX in XXXX after being XXXX by a car. When I gave them money last time, they told me I could get back on forbearance when i needed. I just need to get through XXXX XXXX when my workmans comp case goes through. They denied my forbearance and helping me. This is incorrect because I quality on mulitple levels. I have put in with MiHAF for help but XXXX should be helping me like they promised. They conned me and I bet they are denying everyone now.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax are reporting incorrect information on the account listed as XXXX account number XXXX. The information is not consistent among the credit bureaus which means they have not performed a reasonable investigation into this account. 

Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$170000.00} {$170000.00} {$0.00} Payment Status : Unknown Late 60 Days Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Debt included in or discharged through Bankruptcy XXXX  XXXX, or XXXX. 
Real Estate Mortgage FHA mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Mortgage

We paid off our loan XX/XX/XXXX at United Community Bank in GA ( which I believe was sold to XX/XX/XXXX- XXXX XXXX on XXXX our escrow refund of {$1200.00} was supposedly mailed to us. We moved out of state and never received it. 
I updated our address at the bank in XXXX. I called XXXX talked to a person by the name of XXXX she stated she would have it re-issued. On XXXX at XXXX I called again spoke to XXXX she stated she couldnt do anything until 30 days - asked if I could call back after XXXX. Keep in mind its not an easy process to keep calling back. I called back XX/XX/XXXX at XXXX spoke with XXXX after about 15 mins I realized she wasnt much help, I asked to speak to a Supervisor. When she transferred me she sent me to the loss draft department instead of the supervisor line.. each time I have to repeat my information and reverify myself at this point, Ive been on the phone for over a hour. I was then transferred back and specifically ask the man to not blind transfer me to let them know what my issue is, so I dont have to repeat everything again. Well that didnt happen a supervisor XXXX answered stated she was going to escalate my issue XXXX via a form ) and request them to overnight the funds. As of XX/XX/XXXX at XXXX XXXX  I have not heard from anyone. I would like my funds overnighted to me ASAP. 
This is completely unacceptable and a very poor customer experience.
Product: Credit card

Over the weekend- we visited our Citi mobile app to accept an offer from Citi Bank to transfer the current card to another card they offer with better points and a waived annual card fee the first year. Surprisingly- Citibank closed my account. I have been paying my account diligently ( via Auto draft ) - never been late - paid my account off several times- been an excellent customer- not to mention about to buy a new home so this Closing of our account will harm us tremendously. : ( We've never had a closed account- a charged off account- or any negative impact to our credit. I and my wife both have an excellent credit history. 
We had ONE issue that was out of our control that resulted in a total Statement balance payment in XXXX and it deducted the total balance of {$5100.00} from our XXXX XXXX XXXXXXXX account instead of the usual payment of $ XXXX {$1000.00}. Which would usually be considered a positive. 
Citbank advised us to call XXXX and reverse the charge so we get the correct amount to them which is what we did. UnfortunatelyXXXX XXXX could not reverse the payment and we adjusted for the month. 
The following month the payment withdrawn and we were advised it was reversed and to correct it and we did immediately through the online app. Found out-XXXX  automatically adds a block when such things happen or are reported to prevent any payment from being made from that account and I had to correct that. Once it was corrected there were no more issues and payment was made and cleared. Why wouldn't Citbank reach out and give us a fair chance once seeing this account has always been in good standing and this issue was not a fault of our own instead of turning to such harsh measures on the consumer? I was thinking of opening a Business Checking with this Bank and just spoke with someone Friday! I almost deposited $ XXXX into this bank! God is always there in the signs he shows us
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a credit alert on XX/XX/, stating that there were 2 inquiries on my account, one from Citi  and one from XXXX XXXX  XXXX that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.