23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Care Credit. Im having XXXX over this. we have made several attempts to take care of a past due. Its my husbands account. we work different shifts. he was here today and talked with them on the phone, he gave ALL permissions for me to talk with them about his account. collections, payments, everything, he gave the phone back to me. he then left for work. I then made sure with that associate, that before they transfered me, that it would be Ok to talk with me. He said absolutely, he will note it and made sure the next associate knows its Ok to discuss this account with me. I was tranfsfered to XXXX in the hardship department, at approximately XXXX XXXX this day XX/XX/2016 pacific time zone. She refused to discuss this hardship program with me, without getting permission again from my husband. He had left for work already as stated above. I asked if they could mail us the paperwork, She says No. I asked to be transfered to her manager XXXX XXXX, answering machine was full. They have been calling my phone off the hook and calling my husbands phone and calling my work. We have made our best attempts at resolving this matter. And its now causing me medical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit card or prepaid card

Hi, I applied for a Jet Blue credit card with Barclay and was declined because my federal student loans currently have no monthly payment on my credit report since the Federal government paused payments during COVID. Since my federal student loans are reporting on my credit report with a $ 0 monthly payment, Barclay is making up a number based on my federal student loan balance which is an incorrect monthly payment. I've asked Barclay if I could send them the paper work from my federal student loan servicer so they can see my actual monthly payment with be {$810.00} a month because I'm on IBR. Barclay will not allow me to send any paper work and will only work off my credit report with the $ 0 monthly payment and they then make up the monthly payment based on a calculation. My only option at this point is to now wait until the federal payment pause is lifted and my federal student loan servicer starts reporting my real monthly payment again of {$810.00}. So in short, Barclay 's policy is discriminatory towards borrowers with federal student loans on a payment pause. Which goes against the purpose of the payment pause. Basically, because of the payment pause I'm being declined. As soon as the payment pause stops, I will be approved because Barclay will then use my real monthly payment based on the credit report. This is extremely unfair treatment. I can't understand why Barclay won't allow someone to prove their real payment and only make up a payment based on loan balance. I've worked in lending for almost 20 years and if the payment on the credit report is reporting as {$0.00}, the lender should allow the applicant a chance to prove the real payment. Even more so now because an applicant shouldn't be penalized because of the federal payment freeze on student loans. Who know how many other applicants with student loans have been harmed by Barclays policy. 
Thanks!
Product: Checking or savings account

XX/XX/2021, I made a check deposit of {$13000.00} into my business account. I made this deposit inside a branch with a teller. My receipt stated that there would be a hold on the availability of those funds ; the hold on the check that I deposited will be available on XX/XX/2021. 
On XX/XX/XXXX I received a text message that the hold was going to last until XX/XX/2021. 
Between XX/XX/XXXX and today, XX/XX/XXXX. I sent chase five secure messages via my secure messages account inside of my chase online account. 
On XX/XX/XXXX @ XXXX XXXX  PST., I received a text message from Chase stating that. The hold was released on my account. 
Today is XX/XX/2021. At the time is XXXX XXXX  PST. I still do not have access to the funds I deposited. I am submitting attachments so that you can see what I'm Speaking of.

Chase has had utilization of {$13000.00} of my money for three days because it is not available to me. I deserve interest on those three days. They held my money and used it for other investments.

In the secure message that I received, Chase advised me to call XXXX and that is to the deposit hold department. When I called them, I was on hold for an excess of 1 hour 30 minutes ; and when the representative did come on the line after 1 hour 52 minutes, he said he could not hear me and disconnected the call. This is so totally unfair.
Product: Checking or savings account

Hello! I sent a XXXX transfer of {$1500.00} on my business debit account of BANK OF AMERICA XXXX XXXX XXXX From my XXXX  to my personal account in BANK OF AMERICA to the number of ( XXXX ) XXXX - which is my own number which I sent all my payments to previously without any issue. In the date of XX/XX/2022, this money was sent but was never received to my personnel account or refunded back to my business debit account which I sent it from. Then I called several times throughout the month and on XXXX of XXXX, I submitted a claim to Bank of America to let them check thoroughly for the {$1500.00} I sent. They have sent back the reply on the XX/XX/2022 saying they can not honor my claim of {$1500.00} because it was received which I have all the proof that I have not received on any of my accounts either personal or business account. I have the confirmation numbers from XXXX about the payment sent and the proof of the {$1500.00} leaving my business account and not reaching my personal account. I have the automated texts from BANK OF AMERICA that states that I have sent and it was received on the number of ( XXXX ) XXXX - my own number, but to prove, I have all evidence to state I have not received a single penny. If you want to contact me, please reach me at ( XXXX ) XXXX or ( XXXX ) XXXX or e-mail me at XXXX or XXXX To this date, I have not received anything regarding payment and they do not want to give me back my own money. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to re finance my loan and XXXX XXXX XXXX said he is having difficulty in pulling my credit report and asked me have I frozen my credit and I said I haven't done anything on my credit file. So Lender asked me to get in touch with Experian and find out what is the problem so I called customer support and found out that some company has placed some kind of file in my account and that's needs to be sorted out or straightened out. 
Experian support person will not tell me anything more then that. 
To resolve the issue they wanted to identify me and said I need to answer some questions to identify my self, I said sure go ahead and ask me questions. First few questions I could answer them clearly but one questions pertain to 10 years ago which credit card did I closed, 10 years ago? I didn't remember which card was closed so he said he can not help me out. Since matter was urgent as my application had to be processed by lender I requested him the problem created is by some company you sort it out and remove that problem so lender can access my file. I do not want any information, my lender should get the info he needs. 
But Mr XXXX was very rude and refuse to help me, He did not allow to talk to a supervisor I requested him several time but he denied every time. Avoid negative remarks on survey at the end of call he just transferred me into system again so I can not attend the survey. 
I need answer for such negligence and rude behavior of Mr XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I need to put a freeze on my credit report and need a copy of my credit report immediately. I have had extreme difficulties doing this with Experian and still have not been successful. 

My identity was compromised on XX/XX/2018. Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report. 

I have tried to do this over the phone and online with Experian and have been unsuccessful. Also, when I attempt to access my credit report online with annualcreditreport.com I am unsuccessful because my information for the Experian section can not be verified. It is extremely imperative that I receive my credit report so I can contact every creditor on the list and notify them that my identity was compromised and that these accounts need to be canceled immediately. 
I am also unable to freeze my credit report through Experian. When I call or attempt to do so online I receive a notification that it can not be completed. My phone calls are consistently a dead-end. I need to speak with a representative at Experian as soon as possible. 

This thief also opened an online account with XXXX with my personal information, but with their email address. This has been confirmed with XXXX. The thief used my name, SSN and other personal information to create an account but used their own email address and other login information. I cant retrieve this account login information because I obviously do not know their email address or answers to security questions. I believe this is the case for Experian as well, but again, I can not get through to Experian in any way. 


Thank you in advance for your help.
Product: Credit reporting

On XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX XXXX was not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. I spoke with XXXX XXXX onXX/XX/XXXX and they confirmed that I should deal with Transunion directly as I did n't have any account opened with them. 
This week I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX, in an attempt to dispute hard inquiries currently showing on my credit file. 
My husband XXXX XXXX with my permission spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. 
I want all fraudulent and unauthorized information to be deleted from my credit report.
Product: Mortgage

Mortgage application with Amerisave was completed on XX/XX/21 and rate locked in for 47 days. Due to warranty issues we were not able to close within that 47 day window. With rates dropping significantly over that period I assumed the lock had expired and I was eligible for a lower rate. The company said that wasn't the case because they had automatically extended the rate lock to protect me. I was never notified of this extension and did not learn about it until after the fact. I contacted the company and asked them to honor the terms of the application and they refused.
Product: Mortgage

We have been filling out loss mitigation for 3 years since XXXX and My divorce caused us to be out of work. We never heard anything and listed the house spring  of XXXX. Had a full price offer and wound up pulling out after we received a foreclosure notice and reached out that we would like to keep the home and the only reason it was listed was because we didnt hear back. We were shortly later advised to call freedom mortgage because we would qualify for a COVID modification. We were assured this multiple times so we pulled the house off the market. When we completed the COVID modification for basically reinstating payments- i it required all the information the loss mitigation packet required despite being advised it wouldnt. I called to check the status she couldnt see it then I was told the system glitches but they would get it to XXXX. We were advised no additional paperwork would be needed. We were then advised a few weeks later that we did in fact NOT QUALIFY for one of the plans under the COVID options but would be offered a similar option but didnt need to resubmit because they had everything they needed. We received a notice requesting it a few weeks later so I called I was told no I didnt need to since we had recently submitted it all. Called the night before it was due to re verify it didnt and was told just paystubs and bank statements. I demanded to speak with a supervisor for clarification. I was then placed in direct contact with someone named XXXX XXXX who is a liaison for these kinds of issues. She advised complete the entire thing. We both had to call in last minute the day of but we got it submitted online. A bit later she advised that was not sufficient and complete the hard packet. She advised I could send directly to her. I completed and put everything in one file labeling each document. Was advised she would reach out and let us know if additional documents were needed. Heard nothing and received another packet in the mail to complete. I emailed asking why they needed again and for a phone call. Never got an answer and that phone call turned into what seemed like an intentional game of phone tag that ended with an email advise if she RESENT THE APPLICATION. I went to XXXX where the incompetence continued. They asked how I would like to be contacted by phone or email and I provided TWO EMAIL addresses. Didnt hear anything for a few days and reached back out and was advised THEY CALLED but got no answer- like it was my fault yet I NEVER PROVIDED A NUMBER. WE ARE AT A LOSS. 
We pulled our house off the market which may have been our only chance to secure housing for our family of XXXX. One of them being my daughter who is XXXX and XXXX XXXX. PLEASE HELP US.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also repeatedly offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXt Account # XXXX, has violated my rights. 
XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Unjust Account Restriction and Planned Closure - Citi Checking Account ( Account Number : XXXX ) Dear XXXX, I am writing to lodge a complaint regarding the handling of my Citi Checking Account ( Account Number : XXXX ) by Citibank. After making my initial deposit, Citi blocked and restricted my account without reason, promising a review after XXXX hours. 

Unfortunately, after the XXXX period, I received no further communication regarding the status of my account. When I called to inquire, I was informed that my account would remain restricted and closed within XXXX days, and a check for the remaining balance would be sent to me. 

I have made several attempts to resolve this issue with Citis Fraud Prevention department, but they have not provided any explanation or remedy options. This situation has caused significant disruption and inconvenience, and I believe it violates my rights as a consumer. 

The reference number for my case with Citi 's Executive Response Unit is XXXX. I respectfully request your assistance in this matter, as I wish to have my account unblocked and reopened. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Navy Federal offered a switch to a rewards card earlier this year where I was going to get points rather than cash rewards where the cash rewards card reflected a 5.99 % interest rate based on SCRA benefit ( I signed up for the cash rewards card about XXXX or 3 months after I became an XXXX XXXX military member ). I have received a new card thinking that the same SCRA benefit would be applied to my new card since XXXX XXXX has my information in their system but it was not that case. My first attempt to get the benefit applied began at the end of XXXX of this year to which no one responded. My second attempt happened on the phone in XXXX where a representative apologized and told me to try again with my service information in order to process the request. My second attempt also failed. Third attempt at calling them out on XXXX did not get any response so I filled out a form online to submit my information again to which a response was made. Bottom line is that they rejected my benefit stating that I am ineligible to receive the benefit on the current credit card because of the lending product opened during XXXX XXXX period ( which is now ) and that any debt accrued during a current or previous XXXX XXXX period is not entitled to have benefits applied. I received my first credit card during current XXXX XXXX period ( which started on XXXX XXXX XXXX   ) with the benefits, and have other products through other institutions where XXXX has been applied. Please help.
Product: Debt collection

2014 Receivables management Systems took over a medical debit from XXXX XXXX in the amount of 76.00 over the years the amount has increased to XXXX. Clearly the collection agency has been applying additional fees and reporting them to XXXX. Additionally, the HIPPA agreement signed during treatment did not include Receivables management systems, there ability to verify the account is in direct violation of my rights as i did not authorize access to information obtained for medical treatment.
Product: Debt collection

I was told my account was set up on automatic payments yet it wasnt causing me to go into collections. I have reached out to try and pay but no answer
Product: Money transfer, virtual currency, or money service

I received an email from Venmo about a user survey with a prize. I completed a number of questions giving the Company demographic information about myself, and then was told that the survey " had already filled up '' and was canceled. Meanwhile the Company gathered information on me with false promises of the ability to win a prize. The Company could have told me the survey was full before i started giving them information if that was in fact the case. I answered questions on my employment, my income, my age. I believe the Company now owes me entry into the prize drawing. The full text of their email offer is below : Hello! 

At Venmo we are always interested in learning from our customers. We value your opinion and would like to invite you to participate in a survey about how you use the app. 

Your feedback will help us to enhance your Venmo experience, and we thank you in advance for sharing your thoughts. 

As a way of saying thank you for your feedback, you will automatically receive an entry for a chance to win a {$1000.00} gift card. *For more details on the prize and entry rules, please click here. 

To complete this ~15 minute survey, simply click on this link! 
-The Venmo Team
Product: Mortgage

We were sued by our neighbor for adverse possession, Freedom Mortgage chose to hire an attorney to protect their interest, they added the attorney 's fees onto our XX/XX/XXXX payment. We did not approve this fee and do not think we should pay it. They refused to remove it.