23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have credit card applications from XXXX, XXXXXXXX XXXX, and Discover card and not sure how many more on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Mortgage

My mortgage was sold from XXXX as of XX/XX/XXXX to Shellpoint mortgage services. I am not to receive any fees the first 60 days after mortgage transfer. I DID NOT have any late fees with my previous servicer XXXX before transfer. 
The first mortgage statement I received from them dated XXXX XXXX XXXX shows no late fees. It also says that payments received AFTER the XXXX will then receive a late fee. 
I receive my XX/XX/XXXX mortgage statement and I see the next late fee for XXXX. 
This is wrong for 2 reasons. 

First I am in the 60 day grace period of loan transfers Second I paid on XX/XX/XXXX ( late fee should not be assessed since it was NOT after the XXXX ) and I paid XX/XX/XXXX also not late. 

Please have this fee reversed
Product: Credit reporting or other personal consumer reports

I sent letters to Experian, XXXX and XXXX requesting that my Personal information be corrected.
Product: Prepaid card

I purchased a {$200.00} gift card from XXXX XXXX store. I activated the card and updated the PIN. I purchased a soft drink and within five minutes the card was blocked because of suspicion of fraud. No fraud occurred on the card. Card companies are instantly blocking cards with lack of evidence of fraud. I needed this card to cover expenses on a trip. I had to cancel my trip and turn around and return home because I could not purchase gas. I also believe I should be compensated for their mistake of closing the card without proof of fraud. The card was closed to benefit them and not me!!!! 
I immediately reached out to the company and told them no fraud occurred. I have been hung up on and treated like a criminal through the entire process by this card company. I have faxed documents to them twice and each time they tell me the documents are blurry, readable yes, just blurry. I tried to follow their procedures of uploading documents using their website. The website does not work, as verified by the company, to allow for the upload of documents. No one should have to go through this process to claim their money, especially when no fraud was reported or occurred!!!! I want my {$200.00} gift card replaced.
Product: Credit reporting or other personal consumer reports

1. Violation of 15 U.S.C. 6802 ( Financial Privacy Rule under the Gramm-Leach-Bliley Act ) This statute requires financial institutions to provide notice and an opportunity to opt-out before sharing personal financial information with non-affiliated third parties. I did not provide XXXX XXXX XXXX with express consent or an opt-in for such reporting, and no sufficient opt-out notice was provided. 
2. Violation of 15 U.S.C. 1681b ( b ) ( 2 ) ( Fair Credit Reporting Act - Permissible Purpose Requirement ) Under this law, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX reported my account without my prior written consent, this action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) If my personal information was used without my authorization for credit reporting purposes, this could be considered a form of identity theft under federal law, warranting serious legal repercussions.

4. Violation of 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) If my credit information was obtained and reported without a valid permissible purpose, this could constitute obtaining information under false pretenses, which is explicitly prohibited under the FCRA.

5. Violation of 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) Entities that knowingly or willfully violate FCRA provisions may be held liable for statutory and punitive damages, including attorney fees. If my credit data was reported without proper legal authorization, I reserve the right to pursue civil remedies.

6. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) If my information was reported under circumstances that involve identity theft or unauthorized use, I have the right to request an immediate block of such information from being reported to credit agencies.
Product: Debt collection

Citibank, N.A send cancellation of Debt to IRS. The IRS telling me to pay taxes for this cancellation of Debt, but I do not recognize this debt and I told the IRS and Citibank, N.A that those accounts are not mine accounts. There are XXXX accounts and in total cancelled Debt is {$28000.00}. 
The IRS told me that I have to contact Citibank, N.A and asked them for any documents related to this cancellation of Debt. I tried to contact Citibank, N.A several times, but they simply not answering me. 
On XX/XX/2024 I send to Citibank, N.A a letter with request of information related to this cancellation of Debt. In this letter I reminded them that according to law they have 10 days to provide me with information that i requested and i told them that after 10 days I will file a complaint with Consumer Financial Protection Bureau and since they did not responded I'm doing it now.
Product: Mortgage

my loan tomorrow XXXX will be transferred to faye. i am 5 months behind and while this is not a complaint. i am very concenred that while XXXX  XXXX  the current servicer has been reviewing me for a forebearance loan mod this will get lost once it transfers to faye and a slam bam thank you maam will occur.Which is out of red tape and bureacracy Faye lending will file foreclosure. i wish to avoid this. I sent a letter on Saturday. i asked XXXX to delay transfer until my review is complete. They told me i have a chance of approval once all docs are received. i care about my obligation and do not wish this to get worse. I do this complaint since i want to avoid un needed stress and red tape. DO NOT file foreclosure please. i am prepared to pay the lender and am working to sell.
Product: Mortgage

United Wholesale Mortgage, {$25.00} bad check fee charge. 

Date happend : XX/XX/2021 Double charged for a month causing my bank account to get overdraft fees as well as giving me bad check fee. 

Called company, emailed company 4 different occasions got responses avoiding the questions and directing towards calling and emailing within 4 months.
Product: Checking or savings account

Navy federal charged {$25.00} per transaction in overdraft fees
Product: Student loan

Re : Formal Complaint Against Moehla for Mismanagement of Student Loan Payments Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my student loan by Moehla, a loan servicing company. I believe that Moehla has failed to accurately apply and report my payments, causing significant financial and personal distress. 

I have an account with Moehla. Over the course of my loan repayment, I have paid over {$12000.00}, as evidenced by bank receipts and transaction histories. However, following the transfer of my loan servicing to Moehla in 2020, these payments have not been reflected accurately on my account. This error has led to an inflated principal balance, increased monthly payments, and a rise in my interest rate. 

Despite multiple attempts to resolve this issue through phone calls and submitting proof of my payments, Moehla has not provided any response or resolution. The lack of acknowledgement and action from Moehla 's side has compounded the problem, leaving me in a financially precarious position and causing undue stress.

I am hereby requesting the CFPB 's intervention in this matter. I am seeking the CFPB 's assistance in ensuring that my payments are correctly applied to my account, my account balance is adjusted, and my interest rates and monthly payments are returned to their proper amounts. 

I trust that the CFPB will understand the severity of this issue and take appropriate action to rectify the situation. I am available for any further information or clarification needed in this regard. 

Thank you for your attention to this critical matter. I look forward to a prompt and fair resolution.
Product: Credit reporting or other personal consumer reports

I have asked TransUnion to please remove XXXX XXXX off my credit since its my significant other account, he put me on it just in case something happened to him, it would come to me. XXXX XXXX is reporting an open account on my credit reports and I dont have an account with them, XXXX is my brother account and Im listed on their as a contact person, but its ruining my credit, and the thirteen inquiries that I never gave permission to run my against my credit. Please remove these things immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This companies continue to report these accounts on my credit report after being sent correspondence several times that they violated my rights. These accounts have been a complete defamation to my character and shows other creditors that I am not credit worthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed XXXX, Equifax and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
Product: Debt collection

I received debt collection notices from a debt collection company- BC Services . When asked for proof that the debt was mine, they would not answer. I asked them to send me copies of statements. They refused. I contacted the XXXX XXXX XXXX XXXX asked when this debt was added to my billing summary, they could not verify. I asked what my current account balance was and they stated {$0.00}. I asked if I have ever missed a payment. They stated no. When I asked to provide proof that the bills were mailed or added to my online account. They stated they did not have that information. The amounts they are trying to collect on are listed below. I also verified that the amounts were never listed in my online billing account and that no statements were ever sent in physical mail or showed online in my account. 

{$180.00} {$120.00} {$120.00} {$770.00} {$72.00}
Product: Credit reporting or other personal consumer reports

Berlin wheeler inc has a negative impact on my credit rating because of incorrect information reported to the credit bureau this charge for 652 $ shows twice on my credit report for the same account negatively impacting my score with false information
Product: Checking or savings account

I have a checking/savings account with Citibank, among other Citi services. I originally had a product called Ultimate Savings Account with the accompanying checking account and had these accounts for nine years. With these accounts I received free ATM reimbursements, free wire, ACH transfers. It was a fee free checking account. Appx a year ago I was bumped, without my consent, into Citigold, Citi 's premium tier for high deposit amounts. I did n't want this service as it required me to maintain a high balance with Citi at essentially no/nominal interest. When I called Citi to tell them I wanted the account products I had for years back, they moved me to the Citibank Account Package product which still requires a {$10000.00} min balance. I recently found out this is totally different than my original services. I have been charged several ATM fees. I was recently charged {$15.00} to wire a {$25000.00} *intoXXXX my Citibank checking account. This is completely abusive and I never agreed to these terms. In total I have been charged {$55.00} in fees which should have never applied with {$4.00} ATM fees and a {$15.00} wire transfer fee in the last week. I have contacted Citibank, but, of course, their customer service has not done anything to rectify this situation. 

This seems to be a systemic issue in which XXXXiti moves their high balance customers into Citigold, without their consent ( I never signed or approved anything ) which allows Citi to essentially trap customers into allowing Citi to hold substantial amounts of funds at no/nominal interest. If you tell Citi you do not want this service, they put you into a check product that has a fee for every action ( and amazingly still requires a {$10000.00} balance ).
Product: Mortgage

I was applying for a mortgage with Pulte Mortgage since they were building my house. We first got in contact with Pulte Mortgage on XX/XX/XXXX. They ended up giving me my loan estimate. The loan estimate that I received was ok, but as with all mortgages you usually want to get multiple estimates so you can see if your getting the best deal. So I did n't get with the other lender till XX/XX/XXXX, which I had told pulte mortgage that I would be doing that, which is why I did n't get them anymore documents or respond to any additional communications at that time because I wanted to make sure I 'm getting the best deal for my money. I had decided to go with my other lender and they had requested title. I was under the impression that Pulte had canceled my loan because the loan processor had requested it since I was n't giving them my documents. Well on XX/XX/XXXX, I get communication from my loan consultant and says please look at this deal. I do n't know why they would send me another deal, which was it better? Yes it was, but it came out of nowhere. I think it was triggered due to tile request from the lender I was wanting to use and I never had sent them my other proposal. So when I opened up the new offer, it was brought to my attention that they ended up deleting a lot of the fees that were on my proposal from the start and was n't in the lender credit area where you would see adjustments from your lender if they decided to give you additional discounts towards your deals to offset other proposals. Well I called my loan consultant and he told me that every deal is different for each potential deal. Which for lending its not supposed to be that way, where companies can just go in and switch up fees for some people and not others. I was not happy to hear about that even thought it gave me a great deal. So apparently those fees were erroneous and they were just trying to take a bad mortgage. I 'm all about equality when it comes to lending especially with me working in the financial industry and knowing you have to treat all customers with the same expectations and fees.
Product: Debt collection

I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my phone was stolen, They gained acces to my cash app account, funded it thru my connected bank ( XXXX ) and paid themselves. I reported this to cash app and XXXX as well as filed a police report. XXXX was great they refunded me the money that was transfered to cash app. Then almost 2 months later Cash app decided to take it back again putting my account in the negative balance of {$850.00}. I have filed multiple disputes with cash app and they keep denying my claim. Its like they dont understand that My phone was stolen. The thieves broke in to my shop and have been arrested. One of them is still in jail and they both have trial set at a future date. Cash app has cause me to fall behind on bills, My kids wont have a XXXX this year and I am furious. I have contacted Cash App at least a dozen times via chat and phone support. They do the same thing every time. IT gets denied and I am denied access to speak with any managment or higher up than chat. or basic support. Hours and hours on the phone and chat. Same results every time. I would recommend to anybody to discontinue use of cash app ASAP. XXXX won my loyalty. they took care of my problem within a week. Cash app robbed me for a second time and should be held accountable. I Cant afford an attorney so they just get away with it. I would sue them for XXXX times what was taken from me just because of the pain and suffering they have caused my and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I need the accounts corrected as soon as possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

My parents were mailed separate notices addressed to me ( XXXX XXXX ) and my spouse ( who never lived at that address ) from the collection agency. I haven't lived at that XXXX  address in XXXX XXXX and the rental Property was in XXXX and I also had XXXX protections which were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy of a late payment for my XXXX account. For my Experian and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for Experian the balance {$19000.00}.
Product: Credit card or prepaid card

Flights were booked through Citi 's online booking platform and agent XXXX XXXX XXXX XXXX for the amount of {$1200.00} - in the equivalent amount of Citi ThankYou Points of XXXX. 
Flights XXXX on XX/XX/XXXX were cancelled in XXXX by XXXX XXXX XXXX due to Covid19 route cancellation. 
XXXX XXXX XXXX refunded the total amount of {$1200.00} back to Citi 's agent XXXX XXXX XXXX XXXX on XX/XX/2020. 
Until today I have not received the refund from Citi or their agent XXXX XXXX XXXX XXXX and after numerous inquiries I'm being told to wait another 3 billing  cycles until the end of XX/XX/2020 and hope that perhaps the refund by then might show back in my account.