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

An important letter in regards to billing and balance issues was mailed to an address I do not reside at in XX/XX/XXXX. I received no phone contact regarding resolutions for that outstanding balance from CITI. 

Due to COVID I was unable to receive that important hardcopy letter until XX/XX/XXXX when it was considered safe/allowed to travel according to the XXXX of California. During the pandemic ( XXXX through XXXX months, the most dangerous in California ), CITI sold the account to a debt collector. 

Debt Amount {$4700.00} Member since XXXX ( seven years history of good standing and payments ). 

During the pandemic, I have tried numerous times to get a hold of CITI customer service department at XXXX* but had to wait online for long periods of time without being connected. Thus, I was unable to resolve the issue with my account or even to suspend payments due to COVID. At that point I would have been able to work out a solution as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted METRO 2 COMPLIANCE regulations. This creditor ( XXXX XXXX  ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX and the XXXX dealership were notified that the person leasing the vehicle was going to purchase the car in full. Both XXXX and the dealer notified the buyer NOT to pay the last month 's lease payment, and instead, that amount would be included in the buyout payment. The purchase went through smoothly, but in XX/XX/2018 XXXX reported a late payment to XXXX for the vehicle, which is now on my credit history. Other than this false report, my credit is perfect with a XXXX+ rating. 

I called XXXX, and they told me that they don't have a record of this report, and that I have to provide them with a letter to prove the issue. This is not my job! XXXX should be doing everything to fix this! 

Even though it's not my job, I did send XXXX a fax with all of the details. I have also reported this issue to XXXX. Both were done on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting late payments on my credit report that are not late and violated the ( CARES ) Act forbearance program regulations it states that NO LATE PAYMENTS are to be reported to the credit bureaus during the time of Covid 's ( CARES ) Act forbearance period. 

I have listed the accounts with the late payments on my report that should not be reporting late especially if payment arrangements has been made. Failure to comply is a direct violation of FCRA section 623, 15 U.S.C 1681s-2 ; 12 CFR part 1022 subpart E. 

" If my account is current and I make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is REQUIRED to report to credit reporting companies that I am CURRENT ON MY LOAN OR ACCOUNT. 

These accounts LATE PAYMENTS needs to be update to CURRENT that were reporting during the pandemic : 1. XXXX XXXX-Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or to NO REPORTING Account Number :. XXXX  XXXX Account Number : XXXX 2. XXXXXXXX XXXX- Please update reported late payment showing on XX/XX/XXXX from 30 days late to CURRENT or NO REPORTING Account Number : XXXX XXXX. XXXXXXXX XXXX-Please update reported late payments showing on XX/XX/XXXX, XX/XX/XXXX, and XXXX remove the 30 days late to CURRENT or NO REPORTING Account Number : XXXX
Product: Credit card

On XX/XX/2024 I the consumer applied for a small business credit card but was denied an extension of my own credit which resulted in several consumer rights violations. I was discriminated against by Bank of America and denied credit in violation of 12 CFR 1002.7 ( a ) as creditor refused to grant me an account.
Product: Checking or savings account

I had three unauthorized withdraws from my account take place. The first was to a " XXXX '' on XX/XX/year> for the amount of {$16000.00}. 
The next was on XX/XX/year> labeled as " Transfer to XXXX XXXX  '' for the amount of {$16000.00}. The next was on XX/XX/year> labeled the same, and was for {$16000.00}. 


First the " XXXX '' transaction was credit back to me. After that credit took place was when the XXXX withdraws to " XXXX XXXX  '' happened. I'm not sure if this is someone within Navy Federal itself that has access to my info that has been stealing all this from me. I really don't know. But they credited back the first fraud transaction, then the next two took place. The fraudsters were able to withdraw over {$32000.00} somehow even though I had around {$16000.00} in the account. They did this because they were able to send my savings account into a deep hole and make it a negative {$16000.00} balance... 

After all three were reported as fraud, and I got credit for all 3, now suddenly they are trying to take back about {$16000.00} from me for some reason? Maybe to send back to one of the banks? I'm really not sure. I don't think they have a valid reason to do so and are getting themselves confused... I tried calling them and explaining all this, they refuse to help me and give me any good reason...

I am disputing this with you and sending all the information so maybe they'll realize what happened and that they basically have now just taken almost {$16000.00} from me... 

I will attach screenshots of all these transactions i'm referring to and you can see after all is said and done, for some reason they just debited my account my entire {$15000.00} balance and haven't told me why, even after I called them and asked them to explain it. 

I need my money back.
Product: Credit reporting or other personal consumer reports

TODAY I RECEIVED AN ALERT ON MY EXPERIAN REPORT TODAY STATING THAT THERE WAS AN UPDATED ADDRESS ON MY CONSUMER FILE. THE ADDRESS IS XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I HAVE NEVER LIVED AT THE ADDRESS NOR DO I CURRENTLY LIVE AT THIS ADDRESS. MY CURRENT ADDRESS IS XXXX XXXX XXXX, XXXX, GA XXXX ; MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX. THERE IS AN ACCOUNT ASSOCIATED WITH THIS ADDRESS. THAT ACCOUNT IS WITH XXXX XXXX | ACCOUNT. NUMBER XXXX  | Date opened XXXX XXXX Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/year>. I SPOKE WITH XXXX TODAY AT XXXX AND SHE STATED THIS WOULD BE ESCALATED TO THE APPROPRIATE DEPARTMENT. PLEASE REMOVE THIS INFORMATION FROM MY CREDIT FILE EXPEDITOUSLY. I AM THE RIGHTFUL OWNER OF THIS FILE AND THIS INFORMATION IS FRAUDULENT INFORMATION. ENCLOSED : GA DRIVERS LICENSE, PROOF OF ADDRESS, FTC REPORT AND AFFIRMATION OF TRUTH
Product: Money transfer, virtual currency, or money service

I have been the victim of fraud, privacy breach and security breach on my Venmo account. I have been getting harassing calls ostensibly from Venmo alerting me of suspicious transactions being processed from XXXX XXXX for {$550.00} and then texts asking me to enter a code. I ignored the calls and texts for several days but they kept calling with great urgency. When I finally complied with Venmo 's request, a fraudulent transaction for {$150.00} immediately was processed on my account. I called Venmo immediately and they are not helpful. They refused to reverse the transaction or to let me speak with anyone who could advise me whether or not my bank account and routing number have been accessed by the party committing the fraud. I was told an investigation would be started, that it would take XXXX business days, and I would only be able to communicate through email and only after I am contacted in XXXX business days. 

Subsequent to reporting this fraud : XXXX. I am still getting numerous calls from Venmo with the same message about transactions being processed from XXXX XXXX for {$550.00}. My Venmo account is supposed to be frozen. 

2. My email address has been changed, probably by the hackers, so I no longer can access my Venmo account and I likely will not receive the fraud investigation updates because my email address has been changed! 

The calls and texts are coming through from Venmo 's published telephone number ( XXXX ) XXXX.
Product: Student loan

I have twelve different loans with  Sallie Mae . I had called two days ago,   XXXX    , to try to consolidate my loans and they told me they were unable to consolidate any of them. They then tried to convince me to be a part of their  Graduate Repayment Program  which allows me to make interest-only payments for the first year. While this seemed like a reasonable alternative, I was then told that the interest-only payments would increase the second year and add up to {$500.00} on each of my existing loans. I have over {$100000.00} in loans which they are expecting me to pay back within 10 years. Some of my loans are up to 10 % interest. My monthly payment would be about {$2000.00}. I do n't know of a single person that can afford to pay that much money per month. This amount is more than my house payment. At this point I feel my only other option is to default on my loans because  Sallie Mae  is unwilling to work with me to come up with a reasonable repayment plan.
Product: Credit reporting

XXXX and Experian are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. Credit bureaus account numbers are XXXX and XXXX
Product: Credit card

on XX/XX/2024, i called this company at XXXX at the fraud dept and they sent me to a different department and passed me around like I was an old shoe. They are so rude and sent me a letter asking me for information and I followed the letter instructions but they said the case was closed and wanted me to pay for a credit card that I DID NOT OPEN. Their Fraud operations is God awful and they open credit cards for people without getting verification and i tried to tell them that I DID NOT open this credit card. I am asking for help to file a lawsuit against this company because this has happened a second time with I believe it was them before. I am tired of this. All I ask for is peace of mind that they do not open credit cards in my name and remove this credit card off of my profile. Attached are all the letters they sent me plus my ids and bank statements. Please note, my bank statement shows all bills that I pay. Any bills i have gets paid on time and comes out of my XXXX XXXX XXXXXXXX account.
Product: Debt collection

3rd party collection agency Vance & Huffman LLC purchased a previous debt and reported it on my credit without ever contacting me in any way Nothing by mail, phone or email. They reported it without contacting me so I would contact them so they could try to collect. The amount and the details of the debt are incorrect. They have numerous complaints of the same thing through the XXXX XXXX XXXX XXXX. They're tactics are fraudulent and not within guidelines.
Product: Credit card

This complaint is in regard to my newly opened PayPal Credit Card. I strongly believe this began with the inappropriate actions of them closing my account with no communication. I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself which I did last year. I applied and was approved for a PayPal Credit Card in XXXX of XXXX. I never went above my spending limit nor was I ever late with making timely payments on this or any of my credit accounts. My income and budget were always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. I logged online to see my credit available balance show {$0.00}. I called in and they stated my account was closed due to 2 payments being returned. I have made 10 payments on the account and 2 of them returned in which I explained to PayPal Credit card what happened. Below is an explanation. 

XX/XX/XXXX - Payment made of {$690.00} was made. I used the wrong bank account as I have XXXX saved online. The payment showed scheduled online and with in a minute I realized wrong bank and try to cancel it. When I click cancel which showed as an option it said you need to call. I called and the rep explained unable to cancel the payment even with it just being made. That is why that payment returned. 

XX/XX/XXXX - Payment made of {$2700.00} and payment was returned for insufficient funds. I had fraud on my bank account debit card and why no money was there to cover the payment. 

My other 8 payments made have all been successful.

This is devastating to my credit risk scores on all 3 bureaus because closing the accounts displayed a high usage of credit card usage with no available percentage of credit hurts my score and ability to refinance. Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. The actions of PayPal Credit card, did not take into consideration my income or my history of repayment when making this arbitrary decision. I will note that I was never contacted by PayPal credit to ask why the payment returned. I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that sometimes things happen and why a payment gets returned that is out of your control like fraud. Please assist me in righting this wrong caused by tthis bank.. With Kind Regards, XXXX XXXX
Product: Credit card

We have had a company card thru chase for XXXX yrs. We inquired two weeks ago about promotional offer at 0 % interest. They referenced our old account was not eligible and that we had to open a new account ( the business preferred card was the only one that had a XXXX offer ). We applied ( the application was on hold until they pulled my credit ). I did it on the phone with a live XXXXep. We were approved ( for orig a XXXX limit ( I then asked XXXX take he majority of our old acct limit add it o he new card limit so we could consolidate 3 other business accounts and take advantage of what chase promised thru flyers/online emails and he rep live ( 0 % for 12 months ). I called tonight and the rep told me no promos. This is going o create a fiscal hardship along with having impacted my credit where I would never had applied if no XXXX promotion
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 155 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602.A States I have a right to privacy 15 USC 1681Section 604.A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other that records of conviction, other that records of convictions of a crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Mortgage

PennyMac has a responsibility to pay consumers Property Taxes on a timely basis. 

After reviewing our Mortgage Interest Statement ( Form XXXX ) for XXXX I noted a large shortfall in Real Estate Taxes paid. After speaking with two senior supervisors at PennyMac I was told the taxes are paid by a third party tax service ( XXXX ) and two of the four taxing entities rejected the tax payment for XXXX. 

I 've been dealing with the same taxing entities for over 25 years and to the best of my knowledge my mortgage companies have NEVER had a tax payment rejected! 

PennyMac made absolutely NO effort to contact me and review the issues of rejected tax payments until I contacted them in XXXX of XXXX. PennyMac also told me they would not send me a corrected Form XXXX given tax disbursements were not made in XXXX. 

They stated the shortfall would be made up in XXXX. PennyMac 's failure to pay our property taxes may cause us to loose a significant tax deduction for XXXX. 

POOR customer service and FAILURE to pay taxes on a timely basis!!!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I reviewed a current copy of my credit report and show inaccruate information listed. Account name AMER FST FIN Account number XXXX is stating an alleged collection and I understand per FDCPA that a chargeoff can not have an open balance and must report {$0.00}. This account is showing an open balance in the amount of {$1300.00}. I have sent many disputes with no reply.
Product: Credit reporting or other personal consumer reports

I've been engaged in correspondence with Experian. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

I have repeatedly raised concerns regarding inaccuracies persisting in my credit report, despite numerous notifications. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 
The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life. I have explicitly communicated to ( XXXX, XXXX, or Experian ) that I do not consent to the inclusion of this flawed information in my consumer report. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2.
Product: Credit card or prepaid card

My Marcus Goldman Sachs GM card was formerly a GM XXXX XXXX card. In my online bill pay, it still contained the nickname " GM XXXX XXXX. '' My mistake - On XX/XX/XXXX through my Credit Union online bill pay, I inadvertently scheduled an online bill pay for XX/XX/XXXX payment of {$7800.00} to Marcus instead of XXXX  XXXX ( it processed on XX/XX/XXXX ). I did not realize it until XXXX XXXX notified me that I missed my payment. I immediately contacted Marcus at the number provided on the card. This was on XX/XX/XXXX at XXXXXXXX XXXX ( CT ). I spoke with XXXX. He informed me that he could see the credit balance on my account. I inquired as to how I could get my money back. He informed me that he would process the balance refund request. He stated that since the payment was made by paper check, I had to receive the refund by paper check ( I could not receive it electronically ). I found this odd as my credit union has an " established relationship '' with Marcus, but I accepted it. XXXX  stated that he typed in the urgency of my request as I needed the money back to make payments to XXXX XXXX as we always pay our bills in full. He stated it would take 10-12 business days to receive the refund. 

On the XXXX business day, XX/XX/XXXX, I had not received the refunded money. I contacted Marcus GM Card by Goldman Sachs again. I spoke with XXXX - I somehow ended up in the financial institution help line. He first insisted he had to offer me a sales pitch. After giving him all of my information, he said he couldn't help me, but would connect me with someone else. I hung up and called again to get to the credit card division. I spoke with XXXX. He said I could link my bank account with Marcus and then the refund would be faster than paper, but it would still take an additional XXXX to XXXX business days. I asked to speak to his supervisor. I then spoke with XXXX. I explained that the first mistake was mine, but this was now Marcus 's mistake because allegedly XXXX did not process it correctly. I explained that I needed this money to make payment to XXXX XXXX. He said there was nothing he could do except process a digital request that would still take 8-10 business days. It is now XX/XX/XXXX ; they now have been holding my money for 30 days. The first mistake was mine, but I did what was needed to correct it. I told them that it was unacceptable that it would take 8-10 additional business days to process the request again. He told me that there was nothing else that could be done. I explained that I had no guarantee that he would process the request as XXXX assured me it was processed and it wasn't. 

I informed XXXX that I would be filing a complaint with CFPB for documentation and that as soon as the money was returned, I would be closing this card. I have spent approximately three hours of my time trying to resolve this issue. 

Name on Card : XXXX XXXX
Product: Debt collection

every day for over 2 weeks i get a call at XXXX from best buy Citibank card asking if I am someone else. I don't have a best buy card nor do I bank at Citibank.