23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife and I have a Citi Bank XXXX XXXX Credit Card. Through our online account, we indicated that she would be travelling from XX/XX/XXXX - XXXX with the intention of using these credit cards as her payment method while on this trip. 

Along with these credit cards, my wife only brought around XXXX dollars USD with her. Upon arriving to XXXX XXXX, she is being prompted to use a PIN to complete any credit card transactions. We were not made aware that a PIN may be required and it was not something we were familiar with. I also did not know what the PIN was, and it wasn't until contacting Citi that I realized how archaic of a process to obtain a new PIN. 

After speaking with several customer representatives at Citi, they refused that I speak with a supervisor to help escalate this issue further. I assumed they might be understanding, or have some means to help with this situation, but other than shrug their shoulders, they were not helpful one bit. 

I wanted to get in touch with a supervisor or a manager, as I had hoped I could get this issue escalated with the intention of having a new PIN overnighted ( at my expense! ), but they refused to let me speak to a higher-up telling me they also could not do anything. 

This is my wife 's first time travelling over seas and Citi never made me or my wife aware that a PIN may be required. Had they made us aware in the first place, prior tot Travelling, this would not be as big of an issue. 

Citi needs to publish this information and make it more clear AND visible so that others do not run into a situation like this. You would think Citi would be understanding and try to help in this situation, but they didn't have a care in the world or try to help at all. Clearly they do not put American Citizens first, especially in this type of situation. 

Now my wife has {$200.00} cash to get her through an entire week. Then what? Citi at no point tried to make this right even when I offered to pay out of pocket to have a PIN overnight mailed to me. 

Again, I can not stress enough, had we known we would need a PIN, we would have been sure to set this up. The PIN requirement was never made apparent at all when we placed the travel dates on our card. It is unacceptable, especially in the digital age of XXXX, to have to send a PIN via snail mail and have no alternative means to recover or reset this PIN.
Product: Debt collection

I disputed this claim from my credit report with the credit bureau. They ( collection company ) responded to the dispute and said the charge was for un-returned equipment. On XX/XX/2018 I emailed the company and provided a receipt from when i returned the equipment ( years ago ) and now they are saying its not because of equipment ( which is what they told the credit bureau ).
Product: Money transfer, virtual currency, or money service

XX/XX/ In planning to accompany my family on a visit to XXXX, I endeavored to find a favorable exchange rate in order to exchange some of my United States dollars into the XXXX XXXX currency. In so doing, I contacted my bank, who provided their exchange rate and then looked online, whereupon I came across Wise.com, a company allegedly providing multi-currency accounts purportedly located at, according to the Subject wise.com 's own website, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX I thought that I would get a more favorable exchange rate than was offered at my local bank. 
Several days later, in seeing that Wise.com 's exchange rate remained more favorable than any other exchange rate advertised-to-date, I proceeded to try to open an online account at that bank, Wise.com, located at the aforementioned address. In proceeding through their, Wise.com 's, online application to open a multi-currency account however, wise.com at first began demanding my date-of-birth, and then my social security number, which I, by law, provided them both. Then, the Subject wise.com demanded copy of my identification, at which point I tried to provide photograph of my driver 's license to wise.com online and at which point the Subject 's online application began malfunctioning such that the Subject 's photographing function did not and would not recognize or validly photograph my valid and lawful driver 's license as identification that they, the Subject wise.com on their website, was demanding. 
Now fed up with the inability of the Subject wise.com 's website to recognize my lawful and valid driver 's license as required by law to open an account at wise.com, the Subject 's bank, I decided to close and/or end and/or terminate any further attempt to create or open an account at wise.com. In so doing, however, I was then notified by the Subject wise.com 's website that they, wise.com, could not and would not close my account, thereby placing my personally identifying information at risk by a company that appears neither interested in enabling the creation or opening of an online multi-currency account nor in enabling this formerly potential customer from speaking with anyone at wise.com fluent enough in XXXX to address my now present concerns regarding the potential for the misuse and/or abuse of my personally identifying information including, but not necessarily limited to, my name, my date-of-birth, my social security number, my home address, my driver 's license number, and my now compromised identification, photographs for which I was required to disclose to the Subject wise.com on wise.com 's own algorithm in order for wise.com to render completely ineffectual my attempts to open a multi-currency account at wise.com because I am travelling overseas to XXXX with family. 
Please feel free to advise. 

Very truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, Transunion, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX ALSO unlawfully sold this debt to a third party collection agency, AFTER the debt had already been tendered in accordance with UCC 3-603. I have never had a contract or agreement with XXXX XXXX and I do NOT consent to them reporting any account to my credit report. I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint and a 3949a form with the IRS, because I was supposed to have gotten a 1099c from this charge off as its more than {$600.00} so remove this account are I will be forced to get a audit report done.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information regarding the XXXX  section of my credit report. The discrepancies outlined below violate my rights under the FCRA and unfairly impact my credit history. 

Identified Discrepancies Reference Number : TransUnion reports the reference number as XXXX, while other credit bureaus list it as XXXX, indicating an inconsistency in the information reported. 

Court Identification : TransUnion identifies the court as XXXX XXXX  XXXX, but another bureau lists it as XXXX XXXX XXXX XXXX XXXX, showing a lack of uniformity and accuracy in reporting. 

Violations of the FCRA XXXX. Section XXXX ( a ) ( XXXX ) : I am entitled to a credit report that includes accurate and complete information. The discrepancies in the XXXX  section demonstrate that this requirement has not been met. 

XXXX. Section XXXX ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy in the information they report. The inconsistencies in the reference number and court identification indicate a failure to adhere to this obligation. 

XXXX. Section XXXX ( a ) : Under this section, TransUnion is required to delete or correct inaccurate or incomplete information within the legally mandated XXXX period after a dispute is filed.
Product: Payday loan, title loan, or personal loan

On XXXX, I have received denial letter dated XXXX from PenFed Credit Union for personal loan application number XXXX. I have NOT applied for personal loan with PenFed Credit Union. The letter had credit score listed, which means they pulled my credit report without my consent and it most likely affected it. Furthermore, I do have credit freeze alert on with all three reporting agencies, so no one should be able to pull my credit without calling me first. I called PenFed Credit Union on XXXX and after being on hold for 21 minutes, I got through to their rep, explained to her why I was calling and she hung up right away. It appears to be legitimate financial institution, however this experience seems shady and illegal.
Product: Mortgage

Bank of America recently transferred my mortgage to another servicer, XXXX. I was notified of this by Bank of America sending me mail that my recurring payments were cancelled. Today, on XX/XX/XXXX, I received mail from the new servicer, Shellpoint, with information on how to make a payment and create an online account. Because Bank of America canceled my recurring payment prior to my mortgage payment due date on XX/XX/XXXX, and the new servicer sending the new information XXXX days after the payment is due, I'm now in my grace period. For someone that makes their payments on time, this is unacceptable. When a mortgage servicer transfer mortgages, they should do so in way that does not create opportunities for consumers to miss their payments, like the situation I am in now. I should not be in my grace period and Bank of America should be smart enough to not put a longtime customer like me in this situation. XXXX should send their information out sooner than XXXX  days after the payment due date.
Product: Debt collection

I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. 

Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. 
On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. 
About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. 
As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.
Product: Mortgage

We have been trying to apply for relief from our mortgage for the initial 180 days according to the CARES Act. The mortgage servicing company is Dovenmuehle Mortgage CompanyXXXX XXXX. They will not return calls or answer questions on their secure portal. They have ignored my requests all together. I attempted to get their attention by not paying my mortgage payment but their response was to have their collections department call me but could not provide me with any information on the CARES relief. Out of fear of not paying my mortgage I used a credit card to make the payments for 3 months but now have reached a point where I am not able to continue doing this. All I would like to do is apply for the CARES relief from my FHA loan so I can get my family back on our feet from this pandemic. My XXXX, which is our only source of income was closed down for the better part of 5 months because of the CDC guidelines and the fact that we have XXXX XXXX XXXX children to care for at home. It just seems like nobody is accountable for not following a federal Act of Congress? Please help us!! 
Thank you The attached document is what they responded with after 3 months sitting in their secure message center
Product: Credit card

DISCOVER must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account ending in XXXX was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXXacting as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to DISCOVER over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, DISCOVER should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, DISCOVER has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " Holder in Due Course Rule '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. DISCOVER has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. DISCOVER 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Product: Prepaid card

I have an American Express XXXX XXXX and I unable it to use it anywhere. It keeps getting declined from every online merchant I try to use it at. When I reached out to American Express I was told to just keep trying til it works somewhere. I tried even using it at XXXX online which allowed me to enter the 4-digit America Express card security code, as instructed by American Express XXXX and still declined there. The customer service is horrible- only automated and never got to speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX  - Acct # XXXXAmt  {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert in regards to new hard inquiries on my credit report. I immediately reviewed my credit report and had to hard inquiries from XXXX. I contacted XXXX inquiring about the inquiries providing them my social security number and they could not provide me any validation in regards to why the inquiries were there and referred me to dispute with Equifax in which I did. I receive an email today, credit report number XXXX indicating the dispute was completed and the inquiries were valid. I called XXXX again and they are stating the same things that they did not pull my credit report. I am asking for the two inquiries to be immediately removed and if you still refuse to remove, I am asking Equifax to provide me with the way they disputed and who verified, because I contacted XXXX at the same information listed on my credit report and they are claiming they do not have any information matching my social etc and they did not pull my credit report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX, protected under the SCRA act. I am utilizing a mortgage forbearance program which protects me from foreclosure and adverse impact to my credit ( while payments are in forbearance status ) during the XXXX duration. Between XXXX XX/XX/2024, Rocket Mortgage provided an erroneous remark ( payments deferred ) reporting to the credit bureaus and then rescinded this remark during the same exact time frame ; replacing the erroneous remark with the correct remark ( XXXX XXXX XXXX ). This remark reporting error caused my credit to drop nearly XXXX points between all credit bureaus. I have been attempting to resolve this with Rocket Mortgage and the credit bureaus for XXXX months, with no resolution. I filed a dispute through the credit bureaus ; the outcome came back with confirmed data and no changes. I elevated the complaint through the supervisory channels at Rocket Mortgage. The supervisors stated that they are now reporting accurately and the best way to correct the credit impact would be to come out of forbearance and resume monthly mortgage payments ( email paper trail available upon request ). This answer is unacceptable, given the erroneous reporting they made created the adverse ( and illegal ) impact. Rocket Mortgage has been reporting the correct remark ( XXXX XXXX XXXX XXXX since XXXX XXXX and my credit still has not improved. 
The escalated tier supervisory channels at Rocket Mortgage are unwilling to further explore resolutions on this matter, which is why I am filing this formal complaint through the CFPB, hoping for support. I understand the credit score algorithms are very nuanced and this problem-set poses the need for technical assistance to isolate the root-cause issue. Screenshots from XXXX XXXX attached for reference. Thank you CFPB Team.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a dispute with Synchrony Bank my XXXX XXXX  card due to only having the furniture for XXXX months and the cushions and the foam were separating and the claim was being investigated. A few days later my XXXX card limit decreased and then they started to do that to all my synchrony accounts. I have never missed a payment never been late and have always liked Synchrony Credit services until this happened. In any event I just purchased a home XX/XX/XXXX and needed to do some repairs so yes I might have used my cards a little more than usual but again I never missed a payment. I can't believe XXXX  got reduced as it had a XXXX balance for XXXX months. I was furious I called and closed the account. I would like to speak to someone at Synchrony XXXX XXXX about this because this is really sad they lost a good customer and I want to discuss this with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I received a Strange call from M & T bank which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with M & T. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from M & T Bank which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Product: Credit reporting or other personal consumer reports

EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. Please send the method of verification after the reinvestigation and an updated consumer report. 

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