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

My Citi credit card ending in XXXX still has not updated on my XXXX credit report since XX/XX/2021 despite repeated correspondence with the Citi Executive Response Team. In their most recent response they've said that they are going to stop responding to my requests and " consider my complaint resolved '' at this point. Until my Citi account begins to update on my XXXX credit report, which it has not for going on 7 months, this issue is certainly not resolved. Citi has repeatedly stated that my suffix " XXXX  '' is the cause of the issue. I have spoken to XXXX many times and they allow for the use of a suffix field. As stated in my previous correspondence, all of my other creditors report my suffix " XXXX '' to XXXX on those accounts and every single one of them updates every month just fine. Again, this is a Citi issue, NOT a XXXX issue. I have attached further supporting evidence of this below, where I've included screen shots from 4 of my other creditors showing that they allow for a suffix field, but when you look at the Citi image ( last ) they do not ask for a suffix. XXXX like most institutions uses XX/XX/XXXX 2 formatting which allows for 426 characters of reporting and fields 33 and field 6 depending on which segment are for generation/suffix. If whoever that is handling my complaints at the Citi Executive Office is unaware, unable or unwilling to further assist with my inquiry ( as evidenced by their last response ) I would appreciate it if it were passed on to someone in the credit bureau division of Citi that understandsXX/XX/XXXX 2 reporting and can adequately address my concern. Blaming my suffix for the non-updating of my account on my credit report for nearly 7 months is not an acceptable response and as a customer I'm entitled to have ACCURATE and current information presented on my credit report. Currently it is not, and that must be rectified. 

XX/XX/XXXX XXXX : XXXX Please see the images uploaded which show many of my other lenders using a suffix field, but Citi NOT using the suffix field.
Product: Money transfer, virtual currency, or money service

On the XXXX of this month, I went shopping at a supermarket and I used my Wise debit card to make the payment. However, just after I tapped my card on the XXXX machine there I found my card was charged {$47.00} but I was told by the cashier that the transaction was rejected and they showed me some written evidences about that. I contacted Wise immediately to ask them help solve that problem but they just told me they could do nothing about that. And at around XXXX yesterday I was informed by Wise that that {$47.00} was returned to my Wise account while the transaction was REALLY canceled 7 days ago ( on the XXXX of this month )! Its totally unreasonable and unfair to hold the money thats should have been returned to the customer once the relevant transactions was canceled. And till now Wise has never given me any reasonable explanation for that. 

The second problem is about my using my XXXX checking account offered by Wise to receive ACH transfer. On the XXXX of this month ( at about XXXX XXXX  ), I initiated a ACH transfer of {$500.00} to send money from my XXXX brokerage account to my Wise checking account operated by XXXX XXXX XXXX XXXX  and my broker sent that money out immediately after that, however till now I still havent received any money on my Wise account. And I have used such way to transfer money several times before but I always got the money from my Wise account no later than XXXX XXXX  on the next business day after the day when initiated such money transfer from my XXXX brokerage account.
Product: Debt collection

Ive asked CONVERGENT OUTSOURCING multiple times from XX/XX/XXXX to present to send proof that their the original creditor. Theyre violating my consumer rights reporting inaccurate information pursuant to 15 usc 1981 ( a ). Pursuant to 15 usc 1692 ( a ), 15 USC 1692e misleading representations, 15 USC 1692j - false & deceptive. CONVERGENT OUTSOURCING does not answer the phone.

Pursuant to 15 USC 1981 XXXX is reporting the last date active on XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. VIOLATION 15 USC 1692 ( c ) ( a ) ( 3 ).

FURNISHING A DECEPTIVE FORM TO MAKE THE CONSUMER BELIEVE THEY OWE A DEBT 15 USC 1692J
Product: Credit reporting 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 15 USC 1681. 

Name : XXXX XXXX XXXX Account : XXXX Amount : {$2600.00} I told XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Financial Bank is dealing with XXXX  internally that is preventing me from working with them properly, from them receiving my credit reporting properly, and from them reporting my credit properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and NAVY FCU, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I previously sought assistance from your agency with the following complaint, though my initial submission appears to have been inadvertently miscatergorized. I would like to expand my concerns to now include yet another adverse action taken against me ( the closing of my XXXX charge account ) which I never once requested as a resolution to my original dispute and, which I firmly believe, constitutes discrimination/retaliation based on my open disclosure of being a recipient of XXXX ( XXXX  ) income. Please review the following text along with my supporting documentation, which is attached. You will find that the closing of my charge account was never a requested action nor resolution to my original unauthorized billing/improper credit reporting dispute. In fact, had I not brought forth my initial concerns nor disclosed my XXXX income, XXXXComenity Capital Bank would not have otherwise closed out my charge account without advance notice, valid reason or full disclosure. Moreover, this action is discriminatory and appears to be in direct violation of the Equal Credit Opportunity Act ( ECOA ). 

In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXXComenity Bank on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " totally and permanently XXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with visual and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated. 

Please note that I filed a dispute with XXXX and provided supporting documentation ( including my XXXX XXXX XXXX XXXX ). XXXX/Comenity bank upheld the late fee and derogatory credit reporting, and they closed out my charge account, undoubtedly due to my current XXXX status.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} has 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
Product: Mortgage

Summary of Complaint to CFPB Regarding Mr. Cooper I am filing a complaint against my mortgage servicer, Mr. Cooper, due to inconsistent information and unfair denial of my private mortgage insurance ( PMI ) removal and escrow waiver request. 
PMI & Escrow Removal Promise : Mr. Cooper informed me that if a new appraisal showed I had a 75 % loan-to-value ( LTV ) ratio, I would be eligible to remove PMI and waive escrow. 
FEMA Forbearance Concern : Initially, there were questions about late payments on my account supposedly caused by a FEMA disaster forbearance. However, these late payments do not appear on my credit report.

Confirmation from Mr. Cooper Representative : On XX/XX/year>, I spoke with XXXX, who confirmed that the FEMA forbearance would not affect my PMI or escrow removal as long as the appraisal supported a 75 % LTV. 
Appraisal Fee Paid : Relying on this information, I paid {$450.00} for the required appraisal.

Denial Despite Meeting LTV : On XX/XX/year>, Mr. Cooper denied my PMI removal, again citing the alleged late paymentscontrary to what I had been told and what appears on my credit. Furthermore, they did not provide me with the appraisal results until I specifically requested a copy. 
Failed Resolution : I attempted to resolve this issue by speaking with XXXX in the PMI department, but no solution was offered. 

I believe Mr. Cooper has acted improperly by giving me contradictory or misleading information, causing me to pay for an appraisal under false pretenses, and then denying my request based on incorrect claims of late payments. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, ensure that my eligibility for PMI and escrow removal is fairly reviewed, and address any wrongdoing or miscommunication on Mr. Coopers part, including reimbursement of the appraisal fee if warranted.
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 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Acct- XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXX Acct- XXXX XXXX XXXX XXXX Acct- XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

Hi I filed two complaints previously with CFPB regarding this and was told US bank was working on it. I had since then spoken to them many times and was told to again keep waiting for them to provide a resolution. Not only did US Bank never contact me, I ended up calling their fraud liasion center again in XXXX XXXX XXXX and was told the claim was rejected and if I wanted to get my money back, I had to go through a court. 

During that phone call, I also asked for details of the investigation and reason why they would not be able to reissue me a check and I have never received the requested information from US BANK. 

In XX/XX/XXXX, I had a lawyer send a demand letter to US Bank but have not heard from them since then. My lawyer also reached out to the XXXX XXXX ( where the check was fraudulently cashed out ) and I have attached their response here. Based on their response, it was US bank 's responsibility for not being able to notify XXXX XXXX within the required 30 day window. In addition, it sounds like US Bank received the response from XXXX XXXX way earlier than what I was told. Again I am trying to resolve this issue without having to go through a court. So I need US Bank to respond with details of the investigation as well as reissue me a check with the amount plus loss of interest accured asap. 

Please find response from XXXX XXXX below : Pursuant to UCC 4-207 ( d ), a claimant must submit a claim to a warrantor within 30 days after the claimant has reason to know of the breach and identity of the warrantor. Failure to meet this deadline results in the warrantor being discharged. 

In this case, XXXX XXXX notified US Bank at least by XX/XX/XXXX of the alleged forgery. See emails attached she sent US Bank affidavit. US Bank then had 30 days to make claim upon XXXX XXXX XXXX XXXX, or by XX/XX/XXXX. 

However, U.S. Bank did not send XXXX XXXX XXXX XXXX any notice until a letter dated XX/XX/XXXX well outside the 30 day timeframe. Accordingly, per the attached emails, the claim was denied. 

Claimant ( s ) knew of the alleged breach at least by XX/XX/XXXX, but notification was not timely tendered to XXXX XXXX XXXX XXXX. As such, any liability the XXXX XXXX had in this matter has been extinguished pursusant to UCC 4-207 ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On or about XX/XX/XXXX, a vendor erroneously processed a charge through a third-party payment processor ( Web Authorized Pmt XXXX  ) in the amount of {$30.00}. This caused a surprise temporary negative balance ( which has now been, separately, reversed, resolved ) on my business checking account and triggered, on or about XX/XX/XXXX, an 'Overdraft Paid Fee, ' in the amount of {$36.00}. To the best of my knowledge, I have not authorized the use of any 'overdraft protection services ' on this account, given the option, nor would I. But, it appears, the default account management is for the bank to automatically opt-in customers to their suite of overdraft 'protection ' products in order to 'pay overdrafts ' so they may charge excessive, rent-seeking fees, such as the one assessed to my account. In this particular case, the fee of {$36.00}, amounted to an incurred cost higher than the item itself ( {$30.00} ) the one it was supposedly paying to cover. Such profiteering fees should be disallowed entirely ; but, the bank should have to be more explicit about the scenarios where these fees may be incurred. They should be required to be much more upfront and transparent about when and how to opt out of these so-called overdraft 'protection ' plans completely. I do not want this or any overdraft to be 'paid ' now or in the future and expect the bank to reject any and all debit and/or drafts that would cause an overdraft to avoid these fees, entirely. Any reasonable person would call these fees excessive.
Product: Checking or savings account

I am a small business recipient of the PPP service. I open this account for purposes of receiving the funds since at the time my bank did not recieve PPP loans ( someone advised me to use Marcus Bank instead of getting the PPP prepaid card ). I recieved my deposit which took almost 2 months for me to recieve which has already caused financial issues for me on top of the pandemic. XX/XX/XXXX recieved my {$7500.00} deposit, same day I sent {$500.00} to my external account which is attached via Plaid to my Marcus Account. Hours later I recieved a call but the call didn't come to my cell phone on file It seemed to have went to my alternative number in which I never gave them. That number is attached to my external account, which I the only reason I knew they called because that number sends me a Email notification. On the call it's stated to me that my account will be closed with no explanation. Of course I was mad and frustrated about this BUT then when I asked how will I get my funds the REAL problem began. I was told that my funds will have to go back to my lender ( same lender It just took me a month in a half to get a resolution with to get my funds ). So I have found YOUR COMPANY IS VIOLATING ITS OWN CONTRACT. Per MARCUS DEPOSIT AGREEMENT *effective XXXX XXXX, YOUR company per section VI.Your Account ( bullet point 9 ) states as follows : -- -- " If your Account has a balance when we close it, we will return the funds to you minus any applicable penalty, unless prohibited by law, by ACH Transfer or wire transfer ( with your authorization ), or by mailing you a check. '' -- -- With this being stated and your company not sending me my funds with either option, I am considering notifying police of theft from your company. Also I have been informed by legal consolation that while you all have my money illegally you are collecting interest illegally. This is also costing me with the government seeing that I have a time frame to apply for forgiveness of my loan In which your company is holding my funds. I called my lender and they stated your company should simply write a check. I was also deceived by your agents who I have recorded saying my account has been closed and from legal consultation they stated this can not be the case because if the account was CLOSED a check for the remaining balance is sent to the account holder. ( Me ) Again you all are violating your own contract costing me emotional and financial distress because of it. I also see that this is an ongoing complaint with your company on the XXXX site wish I had recognized that earlier would have just waited for my PPP debit card. But again you all are violating your own contract that we agreed upon. I need my money rent is due and bills need to be paid
Product: Credit reporting or other personal consumer reports

A fraudulent collections account was placed on my credit report today for XXXX XXXX. I dont own or have ever owned/financed a XXXX or related car. I have filed a dispute with all credit bureaus. It is impossible to get a hold of this " company ''. I called a dozen times and I get put on hold and then eventually it goes to a voicemail. How is it fair for me, someone whos been trying to rebuild my credit and I get my score ruined for a XXXX collections account? Please help me. I don't know what else to do to resolve this matter.
Product: Credit card

I am XXXX XXXX. There were multiple numbers of unauthorized transactions in my Bank of America credit card account. This is a fraudulent activity. I realized that the balance increased up to more than XXXX XXXX dollars in the past. I paid more than half of the amount. But I do not want to pay the rest of the balance. BOA keeps bugging me to make the payment on the account. They keep charging interest on the account.
Product: Checking or savings account

I deposited a check on XX/XX/2023 into the US Bank account for my XXXX. The check in question is my paycheck for {$5000.00}, written by my dad 's company who also has an account at US Bank. US Bank has decided to hold the entire {$5000.00} deposit from XX/XX/XXXX until XX/XX/2023. Given that the check is coming from the same institution I am frustrated that they can not " verify '' it faster, and I believe they only have two business days to do this after reading regulations for " on us '' checks. They refuse to release the hold any quicker than that. I have called twice and have been given little information as to why they do this other than its probably " just random '' or the " check was suspicious ''. They say suspicious checks get flagged but this check is identical to every check I have deposited into this account since I opened it. There is nothing off about this check or how I deposited it. I use their mobile app and have never had this happen with a mobile check deposit. I feel like they are intentionally holding my money until after my credit card due date ( XX/XX/XXXX ) to force me to miss the payment so I have to pay interest and fees.