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

I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, Wakefield and Associates, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX . The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a XXXX XXXX XXXX account open reporting the amount of {$310.00} inaccurate that was also fraud. and XXXX XXXX XXXX reporting late payments and inaccurate balance.
Product: Debt collection

I have a due date of the XXXX, and I always call when I need to let them know about my promise date, the XXXX. I let them know it will be by then. They proceed to call me approximately 5-20 times a day. I have answered and told them to stop calling me so much as I have a set promise date. They will call again 30 minutes later. They blow up both mine and my wifes phone all day long with hardly any wait time between calls. They start around XXXX and dont end until around XXXX. Which is also out of the time frame they are allowed to call. I know they can only call 7 times in a 7 day period. They typically exceed the 7 calls within just 24 hours. I have asked them many times to stop as I work often and can not take so many calls. But they still proceed. I have let them know when I work and that I can not have personal phone calls in that time, so my phone just rings off the hook until I am able to get a break and answer. I tell them during that break that I can not accept phone calls during these hours and to stop calling so much. But back at it again not even an hour later, I receive another call. They call from multiple different numbers all from different states. I feel harassed and annoyed by the company. The company is Credit Acceptance.
Product: Checking or savings account

XX/XX/XXXX bank of america closed my account, held my funds up until 2 weeks ago then sent my information to other credit check and third parties systems. Never gave a reason why. Also I was an victims of missing unemployment benefits that was sent to bank of.america prepaid card services and just receive funds after two years of emailing, sending proof of fraud and I know they owe me a big interest compensation for hold my money. And my unemployment compensation was almost {$20000.00} and held from XX/XX/XXXX until XX/XX/XXXX.
Product: Mortgage

Auto-pay communication to me on XX/XX/XXXX was incorrect by Chase. Chase states otherwise. 

Chase did not advise of new servicing transfer 15 days before the effective date of transfer of mortgage Chase issued a payment confirmation number for XX/XX/XXXX for balance due prior to XX/XX/XXXX. However, Chase did not take funds for payment from my account
Product: Credit reporting or other personal consumer reports

I kindly request that my credit report be frozen immediately, as I am eager to take this step to safeguard my personal information. I hope that the freezing process will be completed without delay to ensure my credit remains protected from any unauthorized access or activity. Thank you for your prompt attention to this important matter.
Product: Debt collection

I was in contact with the company for over a year and have had my wages garnished for about the last XXXX  months. I recently switched jobs and since I had been paying on the garnishment for so long asked if I could make payment arrangements in the amount of XXXX dollars a month after switching jobs because of other dependants and the pay cut I was taking I couldn't afford to pay a quarter of my checks anymore. The last XXXX  months I had gone in and made my XXXX dollar payment and the XXXX of XXXX they started garnishing my wages after agreeing they wouldn't. So right before XXXX I find out on my payday. That my checks been garnished even though I have made my payments and was still going to be paying the XXXX in XXXX. So I called them to ask what was going on and they agreed and said that I had been paying it then lied and told me XXXX  had been trying to reach out to me in XXXX which she never called or left any messages at all on my phone. But he then said that since she couldn't get in touch with me that they put the order to garnish through again. But why would they do that and put the order through in XXXX when I had just made a payment on the XXXX or so of XXXX. Then they told me I still have a debt of XXXX dollars when last time I paid in XXXX I got a receipt from them saying that the total amount I owed was XXXX dollars I believe but can provide a copy of. They then told me that that was for a different debt. I have since requested all the paperwork on the debts and who they were to and records of all the payments I've made with the all the dates.
Product: Credit reporting or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

Repeated call to my cellphone - One today from Portfolio Recovery Associates. The number they called from today ( XXXX/XXXX/2015 ) was XXXX. 

On two other occasions I have ask that no calls be made to my cell. One of the other call was from XXXX on XXXX/XXXX/2015. Requested for the second time no calls are to be placed to this cell number. 

In all three cases I notified that they were calling a cell and to never call this number again.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX  that starts with XXXX. due to that account not belonging to me. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car & apartment. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Last year the mortgage on my home was transferred from Loan Care to another servicer without my knowledge and on their initiative, not mine.

My monthly payments have ALWAYS been made on time, through automatic payment with my bank.

During the transfer process, which I was not initially notified about, a change in my payment amount was made by the lender due to an escrow review that happened at a time different from normal. I was not aware of the small increase until a month after it was initiated by the bank. 

The bank has acknowledged that they received ALL of my payments, on time. XXXX payment was a few dollars less than the payment amount, which had increased due to the bank 's review of escrow account. Instead of applying the payment during the transfer, the bank placed it in a pending status because according to them it was for less than the full amount due. At this time I was receiving multiple letters, from XXXX different lenders, every week about account status. I received XXXX notice that said I was past due. I immediately called the lender and was told the problem was nothing to worry about, that it wasn't showing up as past due, and my credit wouldn't be affected. I received another late notice and realized the loan had been transferred so called the other bank. I talked with several people and they figured out the issue with the pending payment, took my payment for a few additional dollars to get the pending payment applied, and told me there would be no issue with my credit report. 

This late payment is the ONLY late payment on my credit report and has a dramatic effect on my credit score. It needs to be corrected. My payment was never late.
Product: Mortgage

I received a letter from Shellpoint Newrez offering a COVID-19 Payment Deferral Offer. The letter is dated XXXX. The following is a quote from the letter : We require a processing month for us to complete your payment deferral. Because you are 18 months delinquent, you must pay your current monthly contractual payment of {$2700.00} by XX/XX/21 in order for your payment deferral to become effective. 

On XXXX, I sent a check to Shellpoint.. After sending the check, I spoke a few times to various representatives as well as leaving messages with my assigned representative, Mr. XXXX. I was informed via phone by a representative in XXXX that the deferral was being processed. 

On XXXX, I received a call from XXXX XXXX that as of XXXX my loan is in default. Ms. XXXX verbalized that the COVID-19 Payment Deferral Offer has been rescinded despite the stipulation of making a current monthly mortgage payment of {$2700.00} by XXXX so that the deferral offer can become effective. 

I am an XXXX XXXX. My civil rights has been violated by Shellpoint Newrez. The company actions towards me are discriminatory, pernicious and predatory. Also, their actions are deceptive and unscrupulous. There is a disproportionate rate of foreclosures among XXXX Americans due to mortgage servicers like Shellpoint.

To reiterate, the servicer was dishonest and predatory. The servicer had no intentions to honor the COVID-19 Payment Deferral Offer or comply pto their Terms of the Payment Deferral. 

Please review the attached XXXX Payment Deferral Offer and canceled check.
Product: Credit card or prepaid card

Citi Bank sent me an offer in the mail received today XX/XX/18 for a new AA Platinum Select Card with  XXXX bonus miles after spending requirement. I read it carefully and there was no mention of a previous account exclusion to the offer. Having been fooled by such an offer before, I called Citi Bank to verify my eligibility for the offer they sent. After being transferred around to different departments, I was told that I am not eligible for the bonus miles offered in the mailer. 

This is a fraudulent practice clearly designed to XXXX consumers into applying for a new credit account and spending a lot of money on their card, only to be denied the reward offered with no warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX removed a delinquent account from my report due to improper reporting on an account. On XX/XX/2023 at account was put back on my report. It is XXXX 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

XXXX is reporting XXXX inaccurate late payments for the JPMCB account XXXX. These include a 30 day late payment posted. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Poor Service and Mishandling of Wire Transfer at U.S. Bank XXXX, MN Branch To whom it may concern, I am writing to formally express my dissatisfaction with the service I received at the U.S. Bank branch in XXXX, Minnesota, regarding a wire transfer transaction initiated on the morning of XX/XX/year>. 

I had a scheduled appointment with banker at XXXX XXXX  XXXX XXXX to complete a domestic wire transfer to XXXX. The transfer was finalized by the banker before XXXX XXXX. Having successfully completed similar transfers to XXXX through U.S. Bank in the past, I expected the funds to process within a couple of hours. 

However, I noticed no movement in my U.S. Bank account as the day progressed. At approximately XXXX XXXX, I contacted the XXXX branch and spoke with the banker who did wire transfer for me in morning. She informed me that I needed to call the wire department myself. I expressed that I had assumed she would assist with that communication, but she insisted that I handle it directly. 

Following her instructions, I contacted the wire department using the number she gave me and spoke with a representative. She informed me that the wire transfer had been declined. When I asked for more information, she said only a banker could communicate with the banks internal department, and customers are not permitted to do so directly. 

In response, I returned to the XXXX branch around XXXX XXXX  to speak with this banker again. I explained what the representative had told me and asked her to assist in contacting the internal department. After some persistence on my part, she finally made the call. She was informed that my wire transfer had been declined due to a fraud protection hold and that it was under review for XXXX hours. I was told someone would contact me within that timeframe. As of XXXX XXXX, nearly the entire business day had passed, and I had not received any call or update. 

I asked her if I could initiate a new wire transfereven for a smaller amountbut she refused. I also inquired about transferring my funds to another bank, and she declined that request as well. She insisted my only option was to wait for a call from the fraud department or return the following day to speak with a manager.

This situation has caused significant disruption to my financial plans and considerable stress. It is deeply frustrating to be denied access to my own funds and to receive no meaningful assistance or guidance from the bank staff. Despite multiple requests, I was passed between departments with no resolution and minimal accountability. 

I am requesting that U.S. Bank investigate this matter thoroughly and take appropriate action, including considering assigning me to a more responsive and helpful representative or escalating my case to a higher level of support. 

Thank you for your attention to this matter. 

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

canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from XXXX XXXX XXXX told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX points. This is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of XXXX negligence. Also, they are saying I owe {$2800.00}. This is causing me financial distress and emotional distress because now I have to worry about them repossessing my car and I have XXXX toddlers. I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. Please let me know if you can assist.
Product: Checking or savings account

On XX/XX/2020 I contacted Citibank through their interactive web chat to request assistance and information on how to close a maturing Certificate of Deposit ( CD ). The online assistant named XXXX helped me with the request and proceeded to close the CD. Unfortunately, in the process, XXXX mistakenly also closed another CD that was not scheduled to mature until XX/XX/2020. Citibank then assessed a penalty for closing the CD and took back all the accrued interest for the period. XXXX informed me of the mistake but refused to undo the CD closure and offered no alternative to solve the problem that she created ( see attached chat transcript ). I then reached out to Citi corporate and to my account representative Mr. XXXX XXXX at XXXX. Mr. XXXX promised that everything would be resolved and that Citibank would reimburse all costs related to the closure of the CD and that a new CD would be opened for the remaining term at the rate that I originally had on the CD. On XX/XX/2020 Citibank reimbursed me {$130.00} for the penalty assessed and the interest taken from the CD ( see attached letter from Citibank ). However, today is XX/XX/2020 and Citibank has not opened the CD, and has not paid me for the accrued interest that I lost ( according to my calculations, the amount owed should be around {$110.00}, which is calculated at the CD rate of 2.23 % for 71 days with a CD balance of {$25000.00} ). Furthermore, Mr. XXXX is unavailable and does not return emails or phone calls ( see emails attached ). All my previous attempts to put this issue to rest have been met with excuses and apologies instead of solutions. Citibank has been unprofessional and unresponsive but also is taking advantage of the situation and abusing a consumer. They have breached the contractual terms of my original CD and have demonstrated unwillingness to resolve this situation. As you know, the prevailing rates today are a fraction of what they were when I opened the CD almost a year ago. Due to Citibank 's negligence I can not find any other alternative to make up for the lost interest on the CD. I respectfully request your help to stop this type of abuse and get Citibank to remedy this situation. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following hard inquiries on my credit report : 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 XXXXXXXX I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.
Product: Credit card

I have had Citi credit cards for close to 20 years, maybe longer. Its ThankYou rewards system no longer works, it appears to be intentional deception. You can not access it to use points online or through its app, and if you can you get error messages that prevent you from utilizing points. If you call, you can not get a representative on the phone to utilize your points, and you get stuck in a foreigner-driven doom loop on the phone. 

If this happened just once, no issue. It has happened repeatedly to me and can not be a simple oversight or technical issue that was temporary. This is such poor performance for such a large institution that it is nearly impossible to believe it is mere incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX, I never received a letter from XXXX with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per XXXX agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from XXXX with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with Experian, XXXX  and XXXX. 
On XX/XX/XXXX I received a notification from Experian that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( XXXX ) has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in Experian Credit report about Public Records : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX 

XXXX and Experian and playing games with the consumers, when I called XXXX about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to Experian and any other credit bureau. But when I call Experian they say that XXXX is the one verifying and reporting the Bankruptcy to my Experian Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.