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

the XXXX  regulations does it say that the consumer must have a correspondence with the merchant. It only requires that the consumer to try and contact the merchant. I wrote a letter to Citibank credit card CEO, head of XXXX and CEO of XXXX XXXX on XX/XX/XXXX and said that their reasoning for not processing the chargebacks did not follow XXXX Policy.I then received a letter from executive correspondence which statedWe may be able to assist you if you provide us with a documentaon showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit.Then XXXX from executive correspondence told me my time was up. I only had 60 days and that time had passed. We had an argument over the 60 day timeline. She told me I didnt know what I was talking about and I told her she was wrong about the 60 day timeline. I have attached the XXXX document, Timeframe for chargebacks is on page 60.I talked to the XXXX again from executive correspondence and she now claimed that I didnot ask for the refund properly. I had not cancelled my account but just asked for a refund. I told her the account was cancelled in XXXX and the email asked for the refund. Again, she said I was wrong and Citibank would not process my chargeback through the system.I want all phone conversation with Citibank from XX/XX/ untiXXXX XXXX XXXX.I want to know how many other customers did they process a chargeback through the system against XXXX XXXX.I want Citibank to honor XXXX Policies and process the chargeback through the system. 

If you get the recordings, it will prove everything I said.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out to Equifax to unlock my account so I could life a credit freeze. For some reason they couldn't get my account to unlock. I also called their customer service number to attempt to lift my credit freeze over the phone, which they said they did, but it didn't go through. I'm applying for a mortgage and it's holding me up from continuing because I can not log into my account even after the allegdly reset the password. 

I'd like to be able to access my Equifax account to freeze and unfreeze my credit as soon as possible
Product: Debt collection

After receiving calls from " Genesis Financial, '' I sent a request for validation in writing, as well as a cease and desist notice of communication with third parties or anyone other than myself as I would correspond with them directly. They noted this on the account last week per their representative I spoke with, yet not only called my mom the day after I asked them not to and they confirmed, but today my employer also got a notice from them which I have not yet even received. I have reviewed and attached the notice that was sent to my employer, and as this notice should have been provided to me, and per the phone call with Genesis Financial on speaker phone while in the payroll office at my place of employment, the person at Genesis said when I asked what my employer was supposed to do with this "  notice, '' she said nothing. '' Again then, if this notice had nothing that needed to be done by my employer, it should n't have been sent to them in the first place, and should have been sent to me as requested. I specifically asked them to send me written correspondence regarding this " account, '' provided them with my contact information to make sure they had everything they needed, only to have them continue to send correspondence to third parties without even sending it to me directly so I have a chance to dispute and/or respond appropriately. I have requested validation and verification of this " account '' in writing, and while I am waiting for them to mail me that information, they continue to violate a cease and desist communication with third parties after they confirmed receipt of that last week, and acknowledged to me they received it and would not contact anyone other than myself. This should apply to written correspondence as well as the phone calls to my " references '' as they indicated. Per that request, written notification should be provided to me BEFORE it is sent to an employer, or shared with anyone else.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF DEFENSE, 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. 15 USC 6802 A. may not disclose personal information.
Product: Checking or savings account

I contacted Wells Fargo on XXXX day regarding a transaction that I had completed using XXXX. Since I did not receive the goods I was promised, they explained to me that I could dispute the transaction. Th next day I contacted cashapp and they stated that they would refund my funds but the bank would need to submit a refund request. I submitted all the documentation to Wells Fargo regarding the information I received from XXXX and for their investigation. On XX/XX/XXXX, I was notified that investigation was final and they were reversing the transaction. I contacted XXXX  and they stated that Wells Fargo did not contact them and I ask Wells Fargo why they stated that they did not have too since it was my account regardless of the fact I did not get the product I received and the company was going to refund the money.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and address. I have attachments that will show you inconsistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX DOB : XX/XX/XXXX Todays Date XXXX XXXX In accordance with the Fair Credit Reporting act. 

The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX ( ALLEGED ACC XXXX XXXXXXXX ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 2 ) XXXX XXXX XXXX : ( ALLEGED ACC XXXX XXXX XXXXXXXX ) ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 3 ) XXXX XXXX XXXX  ( ALLEGED XXXX XXXX XXXX XXXX ) ( DATE ALLEGED OPEN : XXXX  ) ( ALLEGED ORIGINAL CREDITOR : XXXX XXXX ) ( ***REINVESTIGAION OF DEBT REQUESTED ) ( NO RESPONSE 45 DAYS ) ( DEMAND IMMEDIATE DELETION ) 4 ) XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ) ( OPENED : XXXX  ) ( ALLEGED LATE PAYMENT DATE : XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 5 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XX/XX/XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 6 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENEDXXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XXXX  ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 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 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.
Product: Checking or savings account

I have been attempting to transfer the funds of my XXXX to another firm. UMB Bank has had the necessary forms since XX/XX/2021 and still has not processes the transfer request. I call on XX/XX/XXXX and and agent assured me that the check had been sent and to wait. 

I continue to wait as the agent instructed and call the new financial institution which states that nothing has been received. I call UMB back on XX/XX/XXXX and the agent tells me that no check has been sent but that they confirmed that the transfer request was received.

UMB then informs me the following day that I need to find account closure forms on my participant portal, however my account is administered by XXXX  so I don't have a portal with UMB.

It would appear that UMB is intentionally obstructing my ability to close/transfer my account despite official documentation of the requests.
Product: Debt collection

AES is contacting family members who are not even on the loan I have with them. They are harassing family members in search of me because they no longer try to contact me directly. If they do not get a hold of me they immediately call family members that day or the next day.
Product: Debt collection

Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameNORDSTROM/TD BANK USA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$550.00} written off. {$550.00} past due as of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having turned in numerous pieces of information that are contrary to the information on my file, XXXX and Experian continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from XXXX XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advanced Resolution Services Inc. has refused to follow the Fair Credit Reporting Act Section 605A which states that a consumer reporting agency needs to place a security freeze within 1 day by phone and 3 by mail. 

ARS is now stating that they do not need to follow the Fair Credit Reporting Act because they are not a National Consumer Reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank is promoting bonuses for opening checking accounts online. 
I opened an account on XX/XX/2018 after being automatically forwarded from the link. 
It stated that a bonus of {$300.00} would be paid after enrolling in direct deposit. 
After completing the requirements and after two months had passed, I inquired about the bonus. 
They responded, saying I needed a coupon code to get the bonus. 
I have the pages copied if they are needed for verification. 
As of today, the process is the same.No coupon code is given when opened online. 
Any assistance with this matter is greatly appreciated. 
Thank you, XXXX XXXX
Product: Checking or savings account

ATM= {$500.00} was taken from my account. I went to a open bank they gave me {$500.00} in cash then 2wks. Later I received a letter were they took {$500.00} from my account.

When I was at the ATM I went to take {$1000.00} as normal, but nothing came out, on record I called about the problem while on the phone the Rep. Told me to try for a lesser amount which was the {$500.00} the receipt said it was withdrawn but I never received the funds of {$500.00}, THERE WAS SOME KIND OF GLICH AT THAT POINT, THE MACHINE SHUTOFF AND ON SO FAST AS IF SOMEONE WAS TAMPERING WITH IT AND THERE WAS A CAR BEHIND ME. I went to a bank that was open reported what happened they gave me {$500.00} and I thought that was the end of that I no longer have the ATM receipts but the Rep at the B.A.in XXXX, nj bank saw them and made a call and helped me. 
Claim # XXXX On XXXX XXXX XXXX REMOVED {$500.00}
Product: Debt collection

On  X/XX/2014  I signed a notice to vacate as well as the management of the apartment complex (   XXXX   XXXX   XXXX   ) and they agreed to break my lease with no fee as letter states. I am in the process of fixing my credit for mortgage purposes and realized that I have a broken lease fee on all  XXXX  of my credit reports so of course I disputed it and it came back verified. I contacted the creditor ( National Credit Systems ). I called sometime in   XX/XX/XXXX  as king to speak to a supervisor and was transferred to  XXXX . I advise him that I had proof that the complex agreed to break the lease with no penalty and he advised me to mail it in. I did just that and once it was delivered, I called   XXXX   back and was told that I violated my lease by giving my notice a couple weeks prior to the 60 days and they will continue to seek payment.
Notice to vacate agreed and signed on :  X/XX/2014  Dat of move out :  X/XX/2014  I was on a section 8 program (   housing authority of   XXXX   county ) and they were paying the rent, so this notice to vacate had to go through may channels before being approved considering they were paying the full monthly rent at that time.   XXXX    XXXX  was paid fo r  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  so I 'm not sure why there is a fee.
Product: Debt collection

Midland credit management has misrepresented themselves as the original creditor on a debt on my credit report that I owe to XXXX  XXXX XXXX  which is owned by XXXX XXXX. The only contact with Midland was a notice of lawsuit served by the sheriff 's dept XXXX XX/XX/year>. They refuse to accept phone calls or return them as I did call to discuss a settlement. I am very aware that Midland stays in trouble for illegal and unfair debt collection practices as stated in several legal sites. It's not that I mind paying this as I know I owe it it simply slipped my mind and I'm trying to find an amicable solution.
Product: Mortgage

Borrower : XXXX XXXX XXXX XXXX Loan Number : XXXX BB & T Loan Number : XXXX Recorded Date : XXXX Principal Balance : XXXX address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Rate : 7.250 % Current pre UPB XXXX, after Servicer mod UBP proposed to be XXXX Payment : XXXX/XXXX/2015 ; New Term : 480 months, maturity date XXXX request and concerns : Refer to attachments. Borrower was advised by servicer BB & T that HAMP, trial period offer was printed and sent in error. BB & T servicer then advised borrower and XXXX XXXX XXXX verbally on the phone that the original HAMP, TPP was an error. Offer was not mailed to correct the error. The borrower was advised over the phone to take what was verbally offered or the foreclosure would move forward. Be advised that no correction modification was mailed to the borrower per request from the borrower and no signature modification is recorded or on record. Be also advised that the borrower would have never been aware of the error had she never initiated the outbound call to the servicer to confirm the mailing address was correct to assure the servicer received the original HAMP TPP was received before the designated deadline. 

Per XXXX XXXX guidelines the borrower is requesting a fair review and a new trial period with the original offer of payment at {$0.00} identified as a forbearance period of 3 months, refer to the attachment and rate while this violation is under review and all workout options per waterfall as listed in attached XXXX XXXX directive are considered. The borrower also request a reduction to the current interest rate of 7.25 % to a rate of 2 % and term to 480 months. A complaint is currently filed and in review with the following financial agencies : Servicer BB & T ( servicer ) executive compliant department, Federal Housing Finance Agency, Consumer Finance Protection Bureau. We ask that XXXX and CFPB investigate and confer with XXXX XXXX XXXX investor XXXX the operation and servicer 's performance as a delegated entity on the behalf of XXXX XXXX. We suggest all loss mitigation timelines and foreclosure operation task be reviewed by a third party firm for designated servicer participation agreements, compliance and regulatory error. We ask that a random audit of servicer 's internal mailers be reviewed for more than one workout mailed to additional borrowers and not honored. This error flags servicer and investor violations and places borrowers at risk. Keep in mind this is one violation. There are XXXX if not more and by more than XXXX servicer. Feel free to contact, XXXX XXXX XXXX, and XXXX XXXX XXXX at XXXX XXXX ) XXXX, former senior mortgage XXXX consultant to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


Equifax. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I called BBVA after getting confirmation of my refund from LA XXXX who told me it takes 1-3 days to return to the acct and I called my bank BBVA and asked that when I get refunded can they refund me the XXXX over draft fee and he stated No.! Bad customer service and I would not recommend this place to any body who wanted a Great Customer service bank!! I work in financial services with credit unions and we truly appreciate our members and I recommend them to people
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was denied access to My American Express Serve card account balance to buy groceries and pay bills. This occurred in XX/XX/2022. I called the customer service number XXXX XXXX and the recording said I needed to register a new card that I never received. My card was still valid. I could not get a human to answer the phone. The E-mail section of XXXX online did not respond. I repeated this process in XX/XX/2022 to no avail. 

This denial is ongoing and I have suffered financial harm from this electronic fund transfer denial and have been charged a monthly fee for XX/XX/2022 for services I can not access. This is fraudulent illegal activity by this bank. 

I thank you in advance for helping me to resolve this matter.