23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was very disappointed after securing a Wayfair card from Comenity Bank when needing a new mattress. I thought I could pay the promotional balance by the end of the promotional period to avoid interest, which I managed to accomplish. However, I was unable to schedule payments more than 30 days in advance. I could not schedule a minimum payment either. With my current life circumstances, I couldn't always access my account in a timely manner because I am a single working parent of XXXX XXXX XXXX  children in a demanding XXXX XXXX field. They did refund some late fees of {$35.00} for me, but there are still two for a total of {$70.00}. So even though my charged amount is paid off and my account is closed, they are still sending me statements for late fees totaling {$70.00}. 
I complained to the customer service agent many times over the course of the 2020 about what I felt were unfair credit practices. What credit card does not allow a minimum payment to be scheduled so you never make a late payment? What credit card does not allow you to schedule future payments so you can easily manage your account with minimum amount of effort and time exerted? Comenity Bank, that's who!!! Because they are making bank off of hard working, over scheduled consumers who don't have a lot of time to micromanage their accounts. 
Now they have reported to the credit bureau and my excellent credit has dropped several points. 
I can't feel good about paying {$70.00} that resulted from their unfair and unethical business practices and I want this money refunded and my account with Comenity permanently closed.
Product: Debt collection

I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.
Product: Mortgage

Our mortgage is with Freedom Mtg & a few months ago, they contacted us asking us to refinance. After some convincing, we agreed as they would be paying all closing costs and lowering our monthly payment. We were told by their agents, XXXX and XXXX, not to make our XXXX payment as it would just be refunded. I asked several times if they were sure we should not make the XXXX payment and was reassured that we should not as long as we closed before XXXX. The closing was XXXX. I cancelled the already scheduled payment. On XXXX XXXX, we began getting delinquency calls from Freedom. Each time I would explain they asked us not to make a payment, gave their disbursement date, got the run around, they said it was automated and would probably happen again and there was nothing they could do. It happened many more times, sometimes twice a day. We were never delinquent in our loan and only cancelled the payment at their request. We also got delinquency letters and statements. I called again with the same response, it is automated, nothing they can do, each department blaming the other ( refi and mortgage ). Spoke to XXXX weeks ago, asked him to look into it and have it stopped, he promised he would get back to me but never did. They sent escrow refund dated XXXX XXXX for {$310.00}. They sent another delinquency notice dated XXXX XXXX saying we were 48 days delinquent, but zero owed. See statement attached, see XXXX page for delinquency notice. It is abhorrent that they are unable to figure out how to make their left hand speak to the right. If you are refunding me for the same account, why are you accusing me of delinquency? I spoke to them again, they said it should not have happened but can not say why it did, or how they will fix it. For a month and a half, we have been getting these calls and letters accusing us of being delinquent. We do not pay our bills late. The only time we had an issue with late bills was when we bought the new house and there were mail delivery problems because the neighborhood was so new. To repeatedly be accused, for such a protracted time, is harassment and it needs to stop. This should not be happening to any customer refinancing, much less a customer they asked to refi with them and told not to make the payment. If we were actually delinquent, I would not have a problem with the contact because it would be my own fault. However, this is rising to the level of absurdity.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 Reporting on Transunion XXXX XXXX # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Product: Mortgage

As indicated by my Escrow Account Disclosure Statement from RANlife Home Loans Servicing Division, I have overpaid on my Escrow account by {$1100.00}. I received a check in that amount, but I can not cash the check with either of my Banks, XXXX XXXX XXXX, or XXXX XXXX, with my Co-borrowers name name on the check, unless it is into a shared account ( which we do not have ) or unless he is physically there with his photo ID ( not possible, as we have had a falling out, as you can see from the agreement attached and recorded with the Warranty Deed ). I have been asking for a re-issue of the check without his name, so I can cash it, and receive my overage back. 

When the banks both told me this information, I called RANLife Home Loans ' Servicing Department at XXXX on Friday evening XX/XX/XXXX. At that time they told me I would need to provide evidence that he was no longer on the note. I told them I had proof that he was not on the title anymore and that all payments for the mortgage since the loan 's origination had come from my bank account, and they told me to upload it and wait 48 hours. I did, and called back on the evening of Tuesday XX/XX/XXXX. They said they did not have the information because I uploaded it to the wrong place, so they guided me to where to upload it, and I waited again. I just now called again on XX/XX/XXXX to see if I can get the check and they are now saying because he is the Co-borrower, they will not re-issue the check. 

My co-borrower for the loan, XXXX XXXX, granted his rights to the home to me on XX/XX/XXXX for the price of {$20000.00}. As a previous XX/XX/XXXXXX/XX/XXXXXXXX, someone who is a co-borrower on a previous home loan can still qualify for a new purchase, by removing that loan from their debt to income ratio, if you can prove payments have not been made from their account for 12 months or more. In this case, not only am I the only owner of the property by Title, I am the only one that has ever paid for the mortgage from my bank account. I asked if the money could be deposited back into my account via direct deposit/bank transfer and they said no. I asked if I can get my money back any other way other than check, and they said no. 

I somehow can not collect this {$1100.00} of my own money, even though they have all of the evidence they need to issue me a check with only my name on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$720.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 years ago XXXX placed fraudulent information on my credit file indicating I owed them {$650.00} XXXX - for which there is no truth. The truth is I was lied to by their rep while in the office, given some paper work to take home which required me to return with the needed information before opening an account with them. When I reviewed the information I knew they were not reliable and return all of the material the next morning to the same office from which I was given the material in XXXX XXXX. That should have been the end of our short association but they didn't like my rejection and filled the fraudulent information. I have no reason to check my credit report but when I was sent a statement that my FICA score had been reduced and asked for a report I discovered their lying ways. Trying to work with you has been impossible because of the stupidity of your rulels.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving and accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, a legend, systemic issues, such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses and failing to adequately, notify consumers of dispute outcomes. These failures aligned with my experience, where experience has neither the corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law and rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit card or prepaid card

IOn XX/XX/2021 a charge was made againt my XXXX XXXX  card ( CashApp mobilie app ) following which time I contacted support on the mobile app. There is never anyone available by voice on the phone nor by live chat ; only by XXXX  email ... days later which emails can not be verified. XXXX XXXX  refuses to address the unauthorized charge issue, refuses to investigate the issue, and even worse has very poor security mechanisms in place to properly secure my assets and prevent fraud. The security failures are so gross such as to suggest XXXX XXXX  is complicit in the fraud.
Product: Checking or savings account

On XX/XX/XXXX I received a call from my cellular provider XXXX XXXX, alerting me someone was trying to steal my information and have it added to another device using a different cell carrier. I went to XXXX in XXXX CA, and they stopped the theft of my cellular information. 

On XX/XX/XXXX my cellular service was cut-off and it was determined that XXXX XXXX had failed to stop the thief, and my information was imported to an unknown device by an unknow person. 

On XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, CA and purchased a new phone. They then uploaded all my personal information to the new phone with the same phone number. 

After purchasing a new phone I kept getting locked out my online banking. I called Bank of America twice, and they assured me everything was fine and changed my online password twice. 

Beginning XXXX of XXXX, I started receiving calls from someone that I thought worked at Bank of America. They had all my personal and account information. During these calls the person was able to access my account and steal {$2500.00} in XXXX and {$19000.00} in XXXX using a different device. 

XX/XX/XXXX {$3500.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00}
Product: Checking or savings account

XX/XX/XXXX i received a XXXX transfer into my chase bank account for {$200.00}. Checked online banking and it showed it was available for use immediately. So I submitted a transfer request from my checking account ending XXXX to my other checking account ending XXXX in the amount of {$180.00}. 

XX/XX/XXXX chase alerts me that I received an overdraft fee for moving money from my accounts. I called chase and was transferred to XXXX levels of associates. They explained that zelle or quick pay has a cutoff hour XXXX hr earlier than every other transaction. Creating an hour where a client can technically overdraw their self. Chase is using this technicality to charge overdraft fees from clients that are n't aware of this XXXX hour of time
Product: Credit reporting or other personal consumer reports

Trans union, continues to report charges off debt, that has been credited by the IRS/federal government, meaning debt has been paid. 

Any and all charge offs have no legal validity to remain on credit report. This report is misleading, false, and inaccurate by appearing on XXXX XXXX XXXX credit report as a debt that has not been paid.
Product: Checking or savings account

I recently encountered fraud through my checking account with PNC bank were funds have been taken out it was about XXXX $ i reported it, they than provided provisional credit for that amount. They than placed a hold on the account and i can not access the funds. I called multiple times, including going to different PNC branches. I get no answer to why i can not withdraw the provisional credit. As at first was told i may access the funds within 10 business days, than that was changed to 30 days now they tell me 60 days. I am now 2 months late on rent my phone bill is late, credit cards etc Late fees and charges are adding up. Its now the holidays and i currently dont have a dime in my pocket those funds Are from my children 's XXXX  benefits from Social Security XXXX I am in extremely desperate situation. I been having XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as my bills keep adding thank you those are the only funds i currently have
Product: Credit reporting or other personal consumer reports

Equifax has let an unknown, unverified, fraudulent account report on my consumer report. They did not and have not verified with me about this account. The account is XXXX XXXX XXXX. This fraud and they are impending the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am the victim of identity theft. I am a single mother, and trying to fix my credit score. Please let me know how I can
Product: Mortgage

Horrible lender, you can't speak to loan officers, they don't respond after they do whatever it takes to get your business. Process takes over 60+ days ... Stay away, stay away, stay away!! Bait and switch between what they advertise and what they offer.
Product: Checking or savings account

I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.
Product: Mortgage

After my house burnt down XXXX of XXXX, I was shocked to discover that on XX/XX/XXXX a lien had been placed on my property by Discover Financial Services in the amount of {$4300.00} together with interest and legal costs, thus preventing me from selling the land. I completed a Chapter XXXX Bankruptcy on XX/XX/XXXX. My bankruptcy attorney informed me that Discover Financial Services could not hold a lien to my property since the debt had been discharged. 

I went to the XXXX XXXX Clerk of Court 's office for guidance on how to resolve this matter but received no help whatsoever. No one has been able to produce a copy of the judgment that was supposedly served to me. I have depleted all of my resources and without the judgment I have no way of knowing who/where/how to contact Discover Financial Services so I am turning to you for help in getting Discover to file a Request to Cancel Inscription so the Clerk of Court will cancel the lien on said property. 

I have attached supporting documents for your aid. Any help you can give in this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX Account number XXXX Remove Account from my report. 
This account is a collection/ charge off. The account should not be listed as open the account has no payment agreement and should not have any late payments. Its a violation of the FCRA. 
The Company has made false accusations claiming to certify the validity of the account. I have supplied documentation from the company itself stating they will move the account in 30 days. I provided the letter to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX//18 A DISPUTE WAS SENT IN TO THE CREDIT BUREAU ASKING THEM TO VERIFY THAT XXXX XXXX XXXX  IS REPORTING 100 % ACCURATELY. I ALSO ASK FOR COPIES OF HOW, WHAT AND WHEN WAS THIS INFORMATION VERFIED ACCURATELY. I STILL HAVE YET TO RECIEVE THE INFORMATION ON THIS INACCURATE ACCOUNT. I HAVE ATTACHED CREDIT REPORTS THAT SHOWS THAT THE ACCOUNT WAS SETTLED THEN IT WAS REPORTED INACCURATELY ON MY ACCOUNT AGAIN CAUSING MY CREDIT SCORE TO DROP.
Product: Mortgage

To whom it may concern, My secondary mortgage was recently transferred to Shellpoint Mortgage. 

It transferred over on XX/XX/2018 I was supposed to be able to start making payments to you starting XX/XX/2018. It is now XX/XX/2018 and you have even failed to provide me with something as simple as an account number. I dont know what it is the hold up but I need to know ASAP as I am in the middle of a refinance with another bank. 

You either own my secondary loan or you dont please let me know.
Product: Credit card or prepaid card

Three issues : 1. Online chat showed conversations of MANY other customers ' conversations. The messages clearly demonstrate that other customers are seeing threads that do NOT belong to them. This is a huge legal and compliance issue. 
2. Account is not activated when agent said it was. This is lie and deceit. 
2. Business card accounts can not be registered or managed online. This is a known issue without deadline for resolution. 

Details below : Opened a CitiBusiness AAdvantage Platinum XXXX card in XXXX. 

Two weeks later, finally received card in the mail. 
Same day, I try to activate it online. Keeps saying " information is incorrect. '' A week later, I get text messages AND mail that there was fraudulent activity on my account. 
I call Citi Customer Service three times. Open online chat. 

Citi agent, on the third time, asks : Did you call a week ago? We suspect it's fraudulent call, and may need to close your account. 
After explaining that was me trying to activate the card, he said the card is not yet activated. 

I was then transferred to a rude agent, who was not trying to help at all. 
I have spent over an hour with a large Financial institution, and during this whole time, have not been able to use the card for a single transaction. 

After being transferred again, the Citi XXXX XXXX team tells me that it is a known issue that business customers can not register the card online nor manage it. There is no time for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information has been stolen from Equifax as a part of the recent data breach.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX
Product: Debt collection

Capital One did not provide me with any notification of this debt and I was unaware of it. I had no opportunity to dispute the debt.