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

Hi, my name is XXXX, Im a resident of Puerto Rico. In XXXX, I opened an internet account called Accelerated Savings ( CITI BANK ) that was offered to me when I logged into my CITI credit card account. I added my 2 Puerto Rico Bank Accounts and funded this account. Never got a problem or a call explaining that I needed additional documents. On XX/XX/XXXX, I tried to make a transfer from CITI to my external accounts ( that I previously used to fund this one ) and got an error after 3 days and the account was put on hold. I proceeded to call CITI, and they told me that it was a security precaution and removed the hold, tried once again and the same thing happened after a few days. This process happened at least 5 different times between XXXX and XXXX ( XX/XX/XXXX being the most recent communication with Citi Customer Service ). I finally got an agent that identified the problem as missing documents to corroborate my address, so he sent me a docusing link, I uploaded the documents XXXX Electric Bill and Paystub ) After a few days, I proceeded to make the transfer but had the same outcome, so I call again, and they told me that the Electric Bill was not accepted due to the address. I tried to explain that in Puerto Rico, we have issues with the address, they dont follow strictly the USPS format, and we often have problems with that. Also, when I created the account, I never received notification that I needed documents before depositing or transferring money to that new account. After that, I send a few other documents with different bills ( internet and XXXX ) with the same address, but they were not accepted because the account showed an extra digit on the address that the bills did not have. Basically, they were not accepted because a 2 was missing on the bill, but its the same address, and its the name of the place, and sometimes its the data entry personnel from the utility company that input the data when given and due to format issues with USPS in Puerto Rico, they are often not exactly the same, but just rejecting the document because of a 2 missing is something that I would not understand. I've been trying unsuccessfully since XXXX to close the account and get my own money, but they are not giving me options, or a solution and still i don't have my money. So please Im begging someone to understand this case, to help me solve this because Im in desperate need of my own money due to serious health issues and this problem have caused me complications and XXXX. I beg you to understand and help me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Vehicle loan or lease

In XX/XX/XXXX I entered into a auto finance agreement with Bridgecrest XXXX XXXX XXXX, the financed amount included additional Gap insurance coverage. In XX/XX/XXXX I was in a car accident, at no fault of my own. I filed a claim with progressive after some time my car was deemed a total loss. I signed the required releases and the XXXX  adjuster proceeded to notify Bridgecrest. On XX/XX/XXXX Bridgecrest emailed a total loss notification to me. In the email I was asked provide a Vehicle evaluation and Settlement breakdown. The email also instructed me to include my account number and VIN on each page. The methods I was given to return the documentation was email or fax. On XX/XX/XXXX I sent an email to XXXX with the required information that was requested. I did not receive any correspondence from Bridgecrest or XXXX, XXXX, who apparently is involved with my Gap insurance. Because I signed all releases for progressive to issue payment to Bridgecrest and Bridgecrest nor XXXX, XXXX contacted me further I assumed that the car issue was resolved. On XX/XX/XXXX I reviewed my credit report in anticipation of purchasing another vehicle. I found that my account with Bridgecrest showed charged off with all 3 credit bureaus. I called Bridgecrest and was transferred to what I think was collection or charge off department. I was told my account had been charged off and no payment had been made, when I inquired about the insurance payment and Gap insurance payout, I was told that because no payment had been received that Gap had not paid out, I asked why insurance had not paid I was told the payoff offer was less than the amount owed on the loan. I thought the entire purpose of Gap insurance was to cover the gap between the amount insurance paid and the amount owed. I was told that I needed to talk to the total loss department, but I could not talk to them as a customer only insurance adjusters could contact them. On XX/XX/XXXX I called the adjuster and she explained that they are waiting on Bridgecrest to return the letter of guarantee. She said as soon as that letter is returned she can issue payment immediately, but shes been trying to contact Bridgecrest and know one from Bridgecrest or XXXX had returned her calls or emails and she has been trying to get this letter to be returned so she can issue payment and resolve my claim. They gave her a contact person by the name of XXXX as of today XX/XX/XXXX XXXX has not responded either. I dont believe this will ever be resolved
Product: Credit reporting or other personal consumer reports

Recently, i looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is an item i am asking you to verify that it is accurate. 
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 XXXXXXXX
Product: Credit card or prepaid card

Hello, I have had an issue with receiving my unemployment benefits. I have attempted to connect with both my Ohio state office and the ReliaCard customer service since the start of XXXX. It was brought to my attention that payment benefits were being distributed to my ReliaCard debit account, however, I never received the card to access the benefits. I have attempted to contact both the ReliaCard support line and state office to receive a card to access my benefits, but in order to do that I needed to have a card number. As you can see that is impossible because I never received a card and unfortunately I have been unable to connect with a representative from both parties to share this issue. I have attempted to make contact to report this issue and obtain and new card by calling both parties a countless number of times, daily. The line does not connect after being on hold for several hours and it hangs up on me. 

I need to receive this benefit, as I have been laid off like so many due to COVID-19 and I need this resource to sustain my livelihood. Please help me resolve this soon. 

Thank you.
Product: Debt collection

I had previously filed a identity theft report to the FTC for XXXX XXXX from XX/XX/year> and XXXX XXXX removed it from my credit score due to it being identity theft, but now I have SOURCE RECEIVABLES MNG coming after me for the same thing which is still due to identity theft and not mine. That is not ok to have another collections company coming after me when I reported it and already had it resolved and messing up my credit score because of this.
Product: Credit card or prepaid card

Bank of America Late Fee and Interest Charge The following issue pertains to a {$25.00} late fee charged to {$120.00} in purchases on my Bank of America ( BofA ) XXXX credit card statement due on XX/XX/2022. I did not receive a XXXX statement, which follows the XXXX statement, due on XX/XX/2022, in the mail indicating my previous payment was deemed late. On XX/XX/2022, I mailed check # XXXX due XX/XX/2022. In addition, Ive been charged {$1.00} in interest, a total of {$26.00} for my check arriving late. 

To resolve the issue, on XX/XX/2022 I called BofA about the {$26.00} charge on my XXXX statement due on XX/XX/2022. I did not know what the charge was about. XXXX XXXX at BofA told me my check due XX/XX/2022 arrived one day late, XX/XX/2022, so I was charged a {$25.00} late fee. I asked her to remove the charge, because I thought six days should have been enough time for the check to arrive. 

My bank account statement shows check # XXXX, for {$120.00}, cashed on XX/XX/2022. 
I asked XXXX XXXX to send me the XXXX statement, which I hadnt received, payment due XX/XX/2022 and if I could speak to a manager. She said, she would get me to a manager. My call was handed over to a manager, XXXX XXXX. She said, shed try to waive the late fee and interest charge, but she couldnt get it to work. She asked me to call back after the XX/XX/XXXX XXXX to see if the late fee and interest were waived from the account. 

On XX/XX/XXXX, I spoke to XXXX XXXX. She told me the late fee was not waived. She said, the system wouldnt let her waive the late fee and interest. 

On XX/XX/XXXX, I tried one more time, getting customer service representative XXXX XXXX, then speaking to his manager XXXX XXXX. XXXX XXXX said, the late fee and interest could not be waived. The system wouldnt allow it, no one at BofA can tell me why the system would not allow it. As a fair resolution, Id like to get the {$25.00} late fee and {$1.00} in interest waived. The late fee and interest charge are 20.3 % of the XXXX purchase deemed late, which I find exorbitant. Also, BofA should honor the post-mark date on the correspondence, not the date when the check arrives, which its customers have no control over. 

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

I have contacted XXXX, XXXX, & Transunion in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to XXXX, XXXX, & Transunion. 

XXXX, XXXX, & Transunion is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.
Product: Checking or savings account

Started using Ally to use their new " Spending Buckets '' feature on their checking and savings accounts. These buckets have repeatedly shown wrong values. For the last week my account has been unable to be used because I rely on these buckets. Also for the last week I have even been able to see my account details. I understand that Ally 's response is " well the rest of the account works '' but this is not why I transferred my accounts into Ally. 

Since these are system wide errors according to at least 3 of the agents I talked to, I am sure that I am not the only one having this problem. Buckets is a new product/tool of Ally and I'm basically concerned that they dont have the technology to support this feature and it's turned into a bait and switch because they went to market too early. Have at least two open " feedbacks '' ( not sure why on Earth they would call a case feedback but thats just a random annoyance. 

As of today, my unresolved issues are 1 ) When I log into my account I receive an error message saying " We can't show your buckets right now. 
Everything should be up and running again in a bit. Check back later. '' This is preventing me from even using the accounts as I need the buckets to drive transactions ''. 

2 ) When the buckets were available, it was showing transactions from XXXX There was no way to mark this transactions as XXXX  or remove them. When I tried to add them to a bucket, the bucket wouldn't accept them without paying for the expense again. I am not going to pay double just to use this feature. Chat reps said it would correct in 120 days worth of transactions to which she couldn't explain what that meant. Several phone calls later the supervisor said that this was a global issue on everyones accounts. They also said account balances are wrong for people using buckets is a known global issue. 

At this point I am not even sure if my money is safe with Ally. The only thing that is keeping me here is the FDIC 's insurance of my funds and the hope these things get fixed quickly.
Product: Credit reporting or other personal consumer reports

I'm attempting to removed invalid information from my chex systems report. This information in invalid and tied to accounts I have reported as not mine. They claim the account or accounts a verified but have not given their method of validation, considering these accounts are not mine. According to their own information on file, including address and email, these accounts are not reporting complete, fair or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I  received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX  XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XXXX 9 ] XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
Product: Debt collection

Last year I was furloughed from my job due to the XXXX pandemic. 

I was called back but it was only part-time until XXXX of last year. 

I was also affected by the XXXX storm that hit Texas ( I lost time from work because the business was closed ). 
I am behind on some of my bills, but I have tried to make a payment once a month. Last month I made a payment on my account on XXXX, and on XX/XX/24 I received a call from the business at XXXX calling me about my account, telling me they need another payment even though I had made on jus 5 days earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an ex-boyfriend use my SSN to open a credit card under my name. He put me as an authorized user without my Consent. I did contact the credit card company, but this hit is still showing on my credit report
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 USC 1681. I told Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate, but how can that be 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 arent reporting correctly. 15 USC 1681 section 602 states that I have a right to privacy. 15 U.S.C. 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 a 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 USC 1681 s-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 arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

My FHA home loan was sold from XXXX XXXX XXXX to Nationstar about 2 years ago. During the past 2 years I have repeatedly asked to be provided an itemized list of debits and deposits to my escrow account ( my county property tax, mortage insurance premium and home owners insurance are handled through the escrow account ). I believe I have been overcharged mortgage insurance often times being charged 2 to 3 times a month for mortgage insurance. Suddenly XX/XX/XXXX my MIP decreased from XXXX to XXXX without explanation. Further I have had to demand this information because until about 2 months ago it was not provided on my statements.
Product: Vehicle loan or lease

Received a notice from the Department of Revenue state of Mississippi in XX/XX/XXXX, in reference to that they were unable to receive a certificate of title from the Lien Holder ( XXXX  XXXX  ) and that in XX/XX/XXXX I will not be able to re-register the vehicle. I contacted both XXXX and Portfolio Recovery Associates ( PRA ) and was informed that they could not assist me as they did not have a physical copy of the title. I then contacted The State of Mississippi and informed of what i was told by XXXX and PRA, they told me that i would need a letter of no interest or a Lien Release from XXXX XXXXXXXX I again contacted XXXX  XXXX  and they mailed out a letter of no interest on their letter head but that was still not usable. I contacted PRA again on XXXX  XXXX, XXXX and spoke with a XXXX XXXX who told me to email him the letter from Mississippi and that he would take care of getting the title sent. The title or lien release was not sent and I have not heard back from him. I finally tracked down where the title is being held, the Title is being held electronic by the State of Kanas where the vehicle was originally registered. I spoke with them and I was told that I would need a notarized letter from the lien holder or a TR42 Form signed and notarized by the lien holder. I have sent the TR42 to both XXXX  and PRA and both companies refuse to sign and send the document to the State of Kanas. I have spoken with XXXX from XXXX and she has informed me that since XXXX sent a electronic lien release back in XXXX that XXXX no longer has any interest in the vehicle and can not sign off in good faith. PRA has still not contacted me and when you call the bankruptcy department you are on hold for over 30 minutes they pick up and automatically put you back on hold. I'm at lost and my supporting documents are over XXXX so i can not attach.