23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bank of America on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from BOA ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.
Product: Checking or savings account

I have two complaints against Citibank, 1 and 2 below : 1. I deposited a check in the amount of {$2000.00} to my Citibank checking account via an ATM machine located at a Citibank branch. I deposited the check on   XXXX    XXXX , 2017, at   XXXX   XXXX   EST at the Citibank branch located   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , Florida. The check was from a local municipality from the   XXXX   XXXX   XXXX   XXXX  , Florida, which under the Expedited Funds Availability Act, the funds should have been available on the next business day after the deposit was made which was   XXXX     XXXX , 2017. On  XXXX   XXXX , 2017, the funds were not available which was a flagrant violation of the law under the Expedited Funds Availability Act. I tried contacting Citibank via their chat feature on their website, their customer service said they could not help me with my funds because the check was supposedly in a " clearing house ''. Citibank is flagrantly violating the Expedited Funds Availability Act. The funds from the check deposit from a local municipality should have been available the next business day which they were n't. I deposited the check on  XX/XX/XXXX  and the funds should have been available on   XXXX    XXXX , 2017 per the Expedited Funds Availability Act. Citibank is violating the law by not having funds available the next business day when the check deposit is from a local municipality. Citibank is instituting excessive hold times on my check deposits and have broken the law by not having my funds available for me to use.
2. In addition, Citibank charged me overdraft fees on XX/XX/XXXX  and  XX/XX/XXXX  of {$130.00} for four payments of {$2.00} each. So for {$12.00} that was charged on my account from a vendor, Citibank charged me {$130.00} in overdraft fees. During a conversation with a Citibank representative they admitted that Citibank intentionally clears the large transactions first, and the smaller transactions last. I have attached a transcript of the conversation with the Citibank representative. This has the consequence of Citibank being able to charge more overdraft fees from all the small transactions. This is an unethical business practice, as Citibank wants to be able to rack up overdraft fees by intentionally draining my account with large transactions first and smaller transactions last so that they can charge more overdraft fees.
Product: Debt collection

I received a claim on my credit report from Credence Resource Management. They claim that the original creditor was XXXX XXXX. I called XXXX to ask if they have reported a balance against me to a collections company. They did not have any record of me owing them money. I now have a balance owed to Credence Resource Management for the amount of {$700.00}. 

The report claims that I opened an account on XXXX. I did not. 
The balance was reported on my credit on XXXX. I filed a dispute through my XXXX account on XXXX. 

I called Credence Resource Management on XXXX and told them to remove the claim from my credit report. I also emailed them on the same date stating the same thing. I have never received any voicemails, mail, or emails from this company at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account because I attempted to pay it online using the portal that the company offered but I had repeated problems with the portal when trying to enter my payment. After a couple days of trying i called the number when i had time and made a payment over the phone It was late but not 30 days late but i now see my report and i now have a 30 day late payment on my report from that company from that month. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not only not 30 days late but it was caused by a problem with the portal. Thanks
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX is reporting false information, this account is closed however there adding a XXXX and subtracting a XXXX  every month to make the account look active. If this happens again I will take legal action. This is false information.
Product: Debt collection

I don't know who this Company is Lela Mae Group, telephone number is XXXX from XXXX XXXX. I don't know why they are constantly contacting me. I have asked this collection company sometime long time ago to cease all communication with me, by email, phone and mail. They are sending threats to my email if I don't reply within 3 days they will take actions towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Product: Checking or savings account

Ally Bank continues to ignore repeated instructions to not enroll me in their " optional '' overdraft service. 

Ally Bank authorized a debit from my account when the balance was {$140.00}, for {$390.00}. Prior to the transaction posting I had supposedly " frozen '' my debit card from any transactions being approved through it via the " Card Control '' product. 

The Ally Bank website offers this advice : " If you didn't set up overdraft transfer service and used your debit card to make a purchase or withdraw cash, then your transaction may be declined but we won't charge an overdraft fee. '' I do not have overdraft transfer service setup, but yet, they processed this transaction and charged me an overdraft fee. 

I have tried to talk to Ally about it, however, they claim that they " may '' authorize transactions that will overdraft my account at their sole discretion and " may '' charge me that fee if that happens. 

Yet, the agreement and website state something entirely different.
Product: Mortgage

My loan was recently sold from one mortgage servicer that was doing a great job to another mortgage servicer called Nationstar Mortgage that is not doing a great job. I just went through a situation regarding my escrow account that I wanted to share with you. I pay my bill on time every month. I received a tax bill from my local township that needed to be paid from my escrow account by XXXX XXXX. I contacted them to pay the bill XX/XX/XXXX. On the XXXX call I offered to fax them the bill, but they declined stating they will just call them and get the amount. After the bill was n't paid XX/XX/XXXX, I started calling them constantly to plead with them to pay the bill on time to make sure I received the 2 % discount. They would tell me it was paid, but nothing had come out of my escrow. After my XXXX or XXXX call, I was elevating to a supervisor to talk about the issue. Finally they paid late and covered the late fee. This started more problems with my escrow. Because the bill was n't paid on time, there was an analysis that states annual escrow account disclosure form that states I have a surplus of {$320.00}. They sent me a check. I called again and explained that this money was supposed to pay the taxes not be sent to me. That was on XX/XX/XXXX. They ran another ANNUAL escrow account disclosure on XX/XX/XXXX stating I owe {$390.00} due to escrow shortage! What is going on with this company. The icing on the cake is I sent in the {$390.00} with the escrow slip they provided and they applied the full amount to principal. This was an escrow shortage payment sent in with the slip they provided and now I have to call them again to have this money placed correctly into Escrow. I have had several mortgage servicers and this is the worst customer experience ever. I am completely stressed out and was hoping your organization to fix the incompetence at Nationstar Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to Experian so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes Experian XXXX or XXXX. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.
Product: Debt collection

I remember I answered a phone call ( on my cell phone ), while I was driving. The phone number of caller is XXXX. The caller identified herself as, " XXXX ''. She claimed she is calling from the Law Firm of Maury Cobb. " XXXX '' claimed I owe {$290.00} to XXXX. I knew her claim is FRAUD. I knew that XXXX cell phone number was deactivated and transferred to XXXX. The date was XX/XX/year>. The entire account was transferred on that date.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previous disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card

I have contacted Capital One credit card three times on this matter. 

This is a dispute with Capital One. I attempted to make my payment on my account. I have never been late. The mobile app somehow did not take the dollar amount I entered, and a partial payment was made. The error happened repeatedly, but eventually showed the full payment and I thought it sent. I had no intention of making a partial payment. The payment was made from my Capital One 360 account, and the remaining funds were in there. I do n't use my 360 account for anything but making this payment, and I transferred money there to do that. 

I called and explained my situation, and the gentleman said he understood and had taken care of my late payments on capital One 's record and it would update with the credit bureaus. Please pull this call recording, or I will request the CFPB pull the recording in an investigation. 

The time and date of the Capital One employee telling me this was taken care of was at XXXX XXXX XXXX PT. 

Additionally, when on the phone for all that time, the representative failed to tell me that the payment was applied to XXXX and XXXX was still not paid. I would have paid the account that day had I known. My mobile app did not indicate this was late when I looked, and now I have two thirty day lates. 

I realize that Capital One must report the actual performance to the credit bureaus. However, based on the minimal control a consumer has if technical errors occur, Capital One should recognize my past behavior, my strive to build my credit and my conversation with them to correct this problem stemming from a technical error.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

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

15 U.S.C section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report.

I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. i WOULD LIKE A PIN NUMBER FROM XXXX XXXX, XXXX, LEXIS NEXIS AND XXXX.
Product: Credit card or prepaid card

I have been trying to get to get transaction history between the dates of XX/XX/XXXX thru XX/XX/XXXX to see all debits and credits on my XXXX XXXX XXXX which was issued in order to receive child support payments. I discovered after re-opening my child support case in XX/XX/XXXX that there were 2 deposits totaling {$4500.00} made on XX/XX/XXXX and 1 deposit in the amount of {$200.00} made on XX/XX/XXXX that were sent by the Texas Attorney General 's Disbursement Department to the XXXX XXXX XXXX and these monies were not credited to my account. I have spoken to representatives who have confirmed these amounts but, when I ask for copies of the transaction history, they tell me that they will mail them and never do. I made a total of 3 requests and I have not received one copy. I have requested to speak to a XXXX with the same request and he also promised to submit my request and have not received it. I have requested to go to their office and they will not give me an address. They have told me to access the information on their website and I have but, it used to have year XXXX option and since then, they have deleted this option. I have contact the Texas Attorney General 's office and I told them of my problem and they were not able to help me other than suggest to submit a complaint thru this website. I would like to get copies of all transactions while they managed my account so that I can see where these monies went. If and when I get this information, I want to get these monies sent to me as I am sure they were never credited to my card, which is now expired and they no longer handle my child support payments.
Product: Debt collection

My bill for internet service had been steadily increasing with XXXX annually. It reached a point where what started as a {$40.00} service was now being billed at $ XXXX. I had called XXXX and spoken to an agent to see if they had a better deal OR if they cancel my service so I can signup with XXXX. 
I spoke to an agent on XX/XX/2019. The end of my billing cycle is XX/XX/XXXX. I had asked that she put in a request to submit my request for the end of the billing cycle. She then clarified that if I picked a date before the billing cycle, that they would pro-rate the amount for the days the service was provided. Consequently, I moved the cancelation date to XX/XX/XXXX and signed up for a new service for XX/XX/XXXX. She re-confirmed that they would pro-rate me back the amount for remaining XXXX. 
PS - I have this in a recording that I would be happy to share as proof of agreement. 
The bill didnot reflect our conversation. After speaking with customer service numerous times, they said that their agent was mistaken and that I would still have to pay for the service even though it was cancelled by XX/XX/XXXX. They only thing remedy they offered me was that they would train their agent. This wasn't an acceptable course of action as it was an error on XXXX 's part. They refused to rectify it and threatened to send me to collections. 
When they sent me to collections - I requested to dispute it but I didn't get an information from them to be able to do so. I know see that it is unfairly on my credit report and I would like to rectify it.
Product: Mortgage

I pretty much have a mortgage in my name through Wells Fargo. Evidently someone used my social security number and my birthday to open up an account a mortgage at that without my permission. I think the first XXXX letters of the mortgage name is XXXX clearly this needs to be taken care of. I have never had a mortgage never signed for a mortgage never even own my own home much less have a mortgage in my name with Wells Fargo so with this being said someone needs to get on it. My name is XXXX XXXX XXXX and my social is XXXX XXXX and my phone number is a XXXX so if you could give me a call so we can resolve this issue. As well as XXXX XXXX have an anime card in my name and account in my name and I have a credit score XXXX I don't understand how anyone can get an XXXX XXXX account was that credit score. Not only does XXXX XXXX but XXXX and XXXX have account in my name under my social. I contacted both of them and try to get on do the online account to see what was going on but I could not. And the representative that I spoke with said they couldn't do anything about it because I didn't know the account number well considering I didn't open the account how would I know the account number so but they had my phone number Social Security number birthday everything on file all accounts in my name without my authorization. Please give me a call and we can't proceed to push forward thank you very much.
Product: Prepaid card

Three weeks ago you could not find a hardcopy of my statements. Nor could you find my police report and list of transactions sent into XXXX XXXX and XXXX XXXX XXXX of XXXX. My police report has seemed to have vanished all of a sudden from your system? How? This was very important because XXXX felt that my computer hacking my personal accounts being drained and the fraud going on with your bank could have all tied into together. So the fact that this has vanished is shocking to me. But so are the dates you have and the statement I was sent has been left without telling me why there are double debits and how they too have vanished and a new statement in its place now exists.Seems to me that your documents and dates change as does the amount of my claim. So let me set things straight on how things went down. Being that your system is not reliable. XX/XX/XXXX I brought to the attention of BofA the fraudulent activity. XX/XX/XXXX I sent in my police report and XXXX of fraudulent transactions. I at this point was continuing to get my money back in what your bank is now calling " returns '' its a bit hard to return XXXX when that is an online platform. As is XXXX and stores were opened numerous times various spellings of my name and store. I dont need XXXX or XXXX I have been selling online for XXXX years. So it is not a return. In XX/XX/XXXX XXXX phoned me from his cell and he was leaving the bank so he didn't care what he was saying to me ( XXXX XXXX also knew of this call ) I was told that " investigation was being looked into for a second time and that today was his last day.He said there was zero proof that these transactions are mine and that they have no photos from anyplace ( I knew at the time photos were available ) He said photos unless from another BofA branch wont be requested the bank never asks for them. He said that they pulled up a map looked at the transactions where i live in comparison to those transactions. Of course my next email was straight to XXXX. You cant tell me that becuase I live within XXXX miles of a place that is my transaction. 

Below are the dates I emailed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of the statement sent to me by your bank XX/XX/XXXX and how did this statement change between then and now? Someone hit the delete button
Product: Student loan

Due to my financial burden I would like to maintain my rate of payment for the next year.
Product: Payday loan, title loan, or personal loan

Signed up for forbearance, due to covid related job loss. The start date XX/XX/2020 for three months. They started it in XXXX, I paid XXXX payment and XXXX payment now I am behind 2 payments for XXXX and XXXX. 
I want the forbearance to be for the 3 months that they offered. 
I spoke to Barclays customer service 4 times for a total of approximately 4.5 hours. The consistent theme is that I have been late on my payments which is false. I have paid 1 month ahead since I obtained this loan. The customer service reps say they can not do anything about this. I have asked to speak with management of Barclays. They refuse to forward me to management. My credit score was XXXX before they reported that I was 2 months late. It is now at XXXX, after this debacle.