23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/2023 I opened XXXX business checking accounts with XXXX XXXX XXXX XXXX XXXX city XXXX. I used a promo code to get {$750.00} per account with a deposit of {$15000.00} per account. I deposited the $ XXXX in each account at the time of opening the account. The terms were stated and verified by XXXX that the $ XXXX sit there for 60 days and the {$750.00} promo would be deposited within 45 days after the stated 60 day promo period. The 105 days has passed at this time and I have been getting the run around from the XXXX # .. And XXXX has failed to response to me. Today XXXX reached out and stated that I was not getting the promo because I never used online banking. XXXX attempted to open my online banking the day of account opening and failed to get it opened. I was never told this was a term but I do have an online account that I have used. He is now stating I have a personal online account and not a business online account. I have no personal accounts with US Bank, so I have no idea how I could only have a personal online account as my business accounts are the only accounts listed on my online profile. I am owed {$2200.00} dollars from US Bank and they are stating they are not going to pay me. My {$45000.00} dollars has been tied up for over 105 days to get this promo and they are not following through with what was promised by XXXX at the beginning of XX/XX/2023 when opening the accounts. I need my {$2200.00} promo ASAP as it is over the 105 days stated that was the XXXX time before being paid the XXXX. XXXX XXXX can be reached at XXXX. He is a liar and failed to provide what was promised in XXXX at account opening.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Regardless of all my submissions, XXXX will respond in less than 48 hours stating the account is accurate, or has been updated without providing any evidence that the account was investigated. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceedings ( File No. 2025-CFPB-0002 ), against them in similar violations. I request that the CFPB ensures that XXXX complies with the Federal Law, and provide proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company SA-VIT COLLECTION AGEN ( Original Creditor : XXXX XXXX OF XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

My former mortgage company, PennyMac, currently holds approximately {$17000.00} of funds that were issued from my former insurance company, XXXX, for an insurance payout after flood damage to the property on XX/XX/XXXX. 

I sold the property yesterday, XX/XX/XXXX. Since then I've received multiple emails from PennyMac congratulating me on paying off loan XXXX, PennyMac insurance tracking number XXXX, and confirming that the same loan was paid off. 

I've contacted PennyMac 's Insurance Department multiple times to confirm that the loan is satisfied and to request they issue the remaining insurance funds to me expediently. 

PennyMac can not confirm that the loan has been paid off, despite multiple confirmations to me attesting that it has been via email. They will not release the remaining insurance funds and have advised it could take up to a combined span of 31 days to release the funds. This includes 10 days to verify that the loan has been closed and a 21 day period to process and send the funds. 

It is unacceptable and unethical for PennyMac to delay this payout for an event that happened in XXXX, especially after multiple confirmations that the loan has been paid off. This delaying tactic allows PennyMac to accrue additional interest on the funds that they simply will not release. 

" Canned responses '' with PennyMac 's typical verbiage of " sorry we missed the mark '' or " we apologize that you feel this delay doesn't meet your expectations '' are not acceptable. The expedient, if not immediate, release of my funds from their impoundment at PennyMac is the only agreeable solution to the situation PennyMac has created. When released, these funds should be sent via check in a trackable, overnight mailer.
Product: Checking or savings account

I have a Bank Of America Checking account that is frozen. On XX/XX/2024 there was a transfer into the account in the amount of {$360000.00} that prompted my account to be frozen by the bank the following day. Ive tried calling the bank and going into the branch personally to try to solve this issue, but not getting a resolution to the problem from Bank Of America. Bank Of America has already verified all the signers on the account and they have mentioned that the account in under fraud investigation. I am still waiting for an answer or correspondence from Bank Of America, and the account remains frozen.
Product: Credit card

My card was compromised and they stated it would take XXXX billing cycles to reverse and fix. This conversation was had XX/XX/XXXX while I was in the XXXX. It is now XX/XX/XXXX and its been XXXX billing cycles and they have not fixed anything. Instead, they keep charging me fees for unpaid the amount every time I call them to get an update on why its taking so long. They tell me theyll call me back within XXXX hours and they never do. I have done so over XXXX times already. The company is Citibank.
Product: Credit reporting or other personal consumer reports

Received enclosed letter stating my credit score was obtained from this consumer reporting agency. My credit is locked. The score reported is not accurate. 
If this is an extension of XXXX- the information provided by this company is bogus.
Product: Credit reporting or other personal consumer reports

It shows on the credit report that I bought a property at XXXX XXXX XXXX XXXX, and lien with XXXX # XXXX satisfied. Min Net Proceeds {$150000.00}. This is fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I noticed that my credir report dropped a significant amount. This was due to an error that XXXX XXXX made. They erroneously reported that I was using between 12 and 29 % of my credit for the month of XX/XX/XXXX. On XXXX XXXX, 2017 Supervisor at XXXX XXXX XXXX stated she would message the XXXX reporting agencies, Equifax, XXXX and XXXX of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached 2 screen shots of my credit report. The correct one and the one that took a hit uneccessarily. Please fix this error ASAP.
Product: Debt collection

The bankruptcy on my credit report is inaccurate. There was never a case tried or seen, and no judgment was made. Please remove this account immediately : Bankruptcy XXXX XXXX Reference number : XXXX.
Product: Credit card or prepaid card

I first realized my account was locked on XX/XX/20. After calling waiting on hold over an hour I was told the account was froze due to my recent address update change and they needed me to verify my identity which would consist of me faxing my legal documents ID social taxes lease and a bill showing my new address. I complied and did so calling the next day on XX/XX/XXXX to confirm that documents were received I said yes to wait 5 days and call back. I called on the fifth day just to be told they couldn't unlock my account because they couldn't read the documents I had faxed. Once again I have to pay to have faxes sent each time this has gone on for almost a month now total I call every single day and speak to somebody I've even spoken to supervisors multiple times just to be told my accounts being reviewed and or my documents were not accepted. My ID card does not match my new address because I just moved and in order to get a new card I would have to purchase another one to change my address. That would require me using funds on the card that they have Frozen. There is no excuse or reason why my account has been locked this long I have no access to my money my bills are all past due I don't have any food on my table and my electricity is on the verge of being shut off. There is no way to contact the fraud department that's supposedly overseas and verifies address & identification. All I did was change my address online thinking it was the right thing to do considering they never mail me anything I just have an online account that I use to get my unemployment benefits loaded onto. I don't know why my voter ID card has not worked with my new address on it or my recent bills with my new address and my name, my lease agreement with my name, address on it have NOT been acceptable?! I've made numerous attempts to get this handled multiple times a week with no avail & nobody can give me answers or direct me on who to talk to that has the power to unlock my card I need help immediately for this situation has become an urgent and serious matter. As of today XX/XX/20 my account is still waiting to be reviewed after reflecting and uploading all my documents once again to them at the beginning of the week. Please help me resolve this and get my funds back to me before I am out on the XXXX, XXXX from not being able to pay my rent. 

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

I originally submitted a dispute letter to XXXX  dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting XXXX XXXX method of verification for the two collections, XXXX and XXXX XXXX, and a collection from ATG Credit, which I have disputed in the past. This letter was received by XXXX on XX/XX/2019, at XXXX XXXX. XXXX responded with a letter dated XX/XX/2019, verifying the ATG Credit collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

She apologized for my incovience. Said unfortunately unless i can prove i wasnt the peron who actually allowed credit checks etc..
Product: Credit card

Bank of America charged a right to offset on a business card leaving me in dire straights to pay my mortgage. They took XXXX out of my checking fully knowing I was in a hardship. They offered no solutions and increased a payment for when they knew I couldnt pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite writing two letters to Capital One to correct my payment history across my three credit cards, they continue to report no payments for XXXX andXX/XX/XXXX on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
Product: Credit card or prepaid card

I have Bjs credit card through Comenity bank and they say they have had scheduled maintenance since last week never notified me of this went to pay my bill today and can not get though online or by phone even called Bjs to try and pay them they can not take the payment so there for my payment will be late I have been rebuilding my credit and raising my credit score and fear that this will take a negative effect messaged the bank no response from anyone who does scheduled maintenance for a week at a bank
Product: Vehicle loan or lease

Every month I get statements from BMW stating that I made a payment. I have repeatedly tried to contact BMW, with no response. I've contacted their privacy team, no response. Nothing I do gets a response from this company. Since someone used my email when they got their loan, I now have access to all of their personal information and BMW doesn't care. CFPB is my last attempt at trying to get this off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit card or prepaid card

I booked a flight with Chase XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX flight for Monday XX/XX/2022 ) and used XXXX rewards points to book the flight. Severe weather was going to impact the flight ( according to the email that I received ) and I was told I could reschedule the flight for another day or time. I had to reschedule the flight through Chase ( as opposed to via XXXX XXXX ) since I booked the flight through Chase using rewards points. Chase representatives said I would get a refund of the points or otherwise be compensated for the terrible Chase customer service that I received in trying to rebook the flight ( i.e. I missed an entire vacation spending an hour and a half on the phone trying to resolve the issue with Chase and getting ABSOLUTELY NO WHERE ). Ultimately, I had to pay my own way to grab an XXXX  to go to the airport and speak to multiple XXXX XXXX representative to get the issue resolved on my own. Chase was of no assistance throughout the process. I called to get the update on XX/XX/XXXX regarding the complaint that I filed with Chase on Tuesday XX/XX/XXXX, spent 2 HOURS being transferred from representative to representative and still DID NOT get any compensation or refund of the points as I was told I would get. I asked the Chase representatives for the complaint number so that I had something to refer to but the representatives refused to give me or send me any information they have on file. They also refused to transfer me to another agent who could assist and said they were the highest person in the chain at Chase who could assist in any way regarding my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- TransUnion and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. Neither bureau is showing a closed date. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

On  XXXX   XXXX  of  XXXX , I was ordered to appear in  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , Indiana to defend myself for a credit card debt through  XXXX   XXXX   XXXX   XXXX . I appeared that day, signed in with the desk to notify them I have arrived, and was called upon in the hallway by  XXXX   XXXX   XXXX , of  Sprunger Law offi ces located in  XXXX  Indiana. The attorney did not identify himself as the defense attorney for  XXXX   XXXX   XXXX   XXXX  and asked a series of question for personal information. I assumed he was the courts clerk to verify my identity. Once he obtained his information and I had signed the documents he said  " Ok, thank  you. You are free to go. ". Puzzled I asked why I was not attending this hearing, where he then explained that he was the defense attorney for  XXXX   XXXX   XXXX   XXXX  and he had all he needed, then walked away. I then left, confused. I later understood what had happened once I received a garnishment order for 25 % of my paycheck for a total amount of {$9600.00} plus costs.   On  XXXX   XXXX ,  XXXX , I sent a certified letter to  XXXX   XXXX   XXXX   XXXX  requesting all of the documents bearing my signature to prove the debt was mine and to file a dispute. Note : I checked my credit reports the same day to verify the account had not appeared as disputed in the comment section. This certified letter was signed for on  XXXX   XXXX ,  XXXX .   My letter was then forwarded t o Sprunger Law Office, whe re  XXXX   XXXX  retuned an envelope with documents bearing my signature, but without all of the documents I requested in accordance to the FDCPA and FCRA.   I then waited over 31 days and sent another certified letter on  XXXX   XXXX ,  XXXX  stating that neither  XXXX   XXXX   XXXX   XXXX  nor  Sprunger Law Office ha ve contacted  XXXX ,  XXXX , or  XXXX  to note that the account had been disputed in the comment section. Note : This letter was signed for on  XXXX   XXXX ,  XXXX  at  Sprunger Law Office. I reminded them that neither Sprunger Law office, n or  XXXX   XXXX   XXXX   XXXX  were in compliance with the FCRA  623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. A s they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inact ion ) on their behalf may result in a sm all claims action against their company, and would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identify fraud, violation of the FDCPA, and violation of the FCRA.   I have yet to receive any documentation of their stance for this debt removal and my wages are still being garnished.
Product: Credit reporting or other personal consumer reports

Chase claims of a missed payment through their payment plan process invalidly caused my credit score to go from a XXXX on XXXX. XXXX to a XXXX on XXXX XXXX an outrageous XXXX point decrease then several more reports after the initial first one over the next 2 weeks. Why so many reports? why a decrease to that degree? All within a two week span how is this even possible? On top of that Chase was suppose to take the money out which they didn't automatically, I had issues with the plan in the month of XXXX when they sent me emails saying they hadn't received funds but they really did.
Product: Credit card or prepaid card

There were two charges on my account I did not authorize on my credit card ( discover card ) on XXXX for {$540.00} & XXXX {$400.00} plus fees comes to total of {$990.00}. XXXX department already decided they will not refund my money. I have submitted documents this was not me, yet they are not providing any proof this was me and not providing any documents of showing my signature on any documents. 

Discover card address XXXX XXXX XXXXXXXX, XXXX XXXX, OH XXXX Card Number ending XXXX TELE # XXXX XXXX XXXX ( XXXX XXXX  )
Product: Credit card

I attempted to obtain a My Lowes Credit card via their online web page which only accepts a US driver 's license as a form of ID. I made numerous calls to various numbers at Synchrony Bank ( backers of My Lowes Credit cards ) as well as two numbers at Lowes : XXXX and XXXX. At the second number I spoke with a lady who said she was head of the department. She advised me that if that is the case I should submit a complaint with the appropriate agency and perhaps if enough complaints were submitted Lowes would change their policy. She advised she could not help me further. I then called the Credit Dept. at XXXX and spoke with a man who identified himself as XXXX, an Account Manager, Employee Number XXXX and he advised me that in order to obtain a US credit card one required a US ID. Please note that I own my own home in Florida and have other US credit cards even though my primary residence is in XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.