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

Citibank Visa Costco anywhere card. 
Trying to move all of our monthly purchases over to this card for the rewards and while on vacation XXXX XXXX-XXXX  XXXX  they put a hold on the payment so our balance was at {$0.00} but also our available credit is at {$0.00}. 
So while on vacation ( Why the card was opened in the first place-Costco vacation ) we were not able to use the card or the money that we had sent over for the balance payment. 
How is this legal? 
And if it is... it shouldn't be!! 
XX/XX/XXXX XXXX spoke to my bank ( XXXX XXXX ) who said the payment clear the next day and funds were in Citibank account also said that not paying the balance sounded extremely sketchy. 
XX/XX/XXXX XXXXspoke to Citibank they said the card credit would be available to use again on XX/XX/2021. 
XX/XX/XXXX XXXX called Citibank again spoke to a manager gave me the same XXXX... I said are you sure there is nothing you can do? I'm about to send a complaint to the CFPB and probably Costco as well, Nope, he assured me my balance had been paid, which does nothing for me as the consumer who no longer has the cash in my account and does not have access to the credit on the card either. 

Going forward this week we have set up about 5-6 payments to be taken from this card till the end of the month and now they will all bounce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get remove or verified but they refuse to respond to the LAW!
Product: Checking or savings account

On XX/XX/2022, I opened an account with Navy Federal as my father was XXXX XXXX. Upon opening the account, I sent in the proper documentation to add my husband as a joint owner to the account as we share a bank account. Over the next few days, I called them as my husband had yet to be added to the account. 
Upon calling member services, and them speaking with the bankruptcy department, they informed that my account was closing due to bankruptcy being on file. 
Since then, I emailed the CEO of navy federal and informed her of the service I received, and my account being closed. The CEO, XXXX XXXX XXXX was disappointed with the services I had just received from member services, apologized and re-opened my account as the credit union is a second chance bank as well and that is not their values to close accounts like they did. 
However, the CEO was requesting that my account be opened back up. Since then, my account is re-opened, however, member services are still refusing to add my spouse to my checking and savings account. We share a joint bank account and always have. This is not the service I would expect to receive from a military bank in which my father served our country.
Product: Mortgage

I had a second mortgage through Specialized loan service ( SLS ). The loan matured on XX/XX/XXXX. I didn't realize at the time and the regular automatic payment was made on XX/XX/XXXX, initiated by SLS. Towards the end of XXXX I was contacted by a SLS representative and she explained that the loan had matured on XX/XX/XXXX and they would need the loan balance paid off and that they should not have taken the automatic payment. I asked if I could refinance the loan with SLS and they said I could and they would send a packet in the mail with more information. At this time I was told that I had 60 days to complete the loan process. I said okay and awaited the loan packet. The packet arrived a couple weeks later and it indicated I could also apply online, which I did. A week or so later I was denied a refinance. I then receive a 30day late charge on my credit report. At that time I decided to take a draw from my business to pay the loan off. I had to move the funds around in my business accounts in order to fund the payment. That next Sunday I received a 60 day late mark on my credit report. I filed a better business report and proceeded to pay the entire balance through the SLS website as an ACH on Monday XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. On XX/XX/XXXX my wife received a notice via text that the payment has been returned because it was not sent as a certified check and their website may not have stated the correct payoff amount. After doing some research, it appears that they should have reimbursed the automatic payment made on XX/XX/XXXX because as is their policy, it was not for the correct payoff amount and it was not a certified check. The XXXX payment has still not been reimbursed as of XX/XX/XXXX. All through this process I have been contacted numerous times by SLS representatives asking for the original installment payments to bring the account current. They have also all given conflicting information. I asked for a call back from a manager which I received XX/XX/XXXX. She informed me that she can't provide the correct payoff amount until Monday XX/XX/XXXX but during this time I will continue to receive late notices on my credit report. As of today XXXX XX/XX/XXXX, I have not received the payoff amount from SLS. I assume the payoff amount is going to be much larger than what it should be with their late fees and extra interest added. Please help me clear this up. 

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

On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a fraudulent account on credit report which is illegal also allowing for business records to be falsified a fraudulent name was added to my credit profile without my knowledge or notification account should be deleted immediately as it is fraud
Product: Credit reporting or other personal consumer reports

On XX/XX/ 2024, I submitted a claim to XXXX requesting the removal of an error on my credit report concerning a late payment for Santander Consumer USA. Despite my efforts, I have not received a response or any update regarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized inquiries I have relentlessly contacted Multiple times during the past 2 months please remove stop destroying my life. 

1 ) XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX Date : XX/XX/XXXX 3 ) XXXXXXXX XXXX Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX Date : XX/XX/XXXX 5 ) XXXX Date : XX/XX/XXXX 6 ) XXXX Date : XX/XX/XXXX 7 ) XXXXXXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX Nissan Motor Acceptance took out from my account {$240.00} of which {$5.00} was processing fee and {$240.00} was payment towards the balance. The confirmation number given to me by Nissan rep for this payment is # XXXX. Please investigate where Nissan posted this payment. It should have posted to the above named account # XXXX but didn't. The correct owed balance should be {$400.00} and not {$640.00}. If you need more information please don't hesitate to contact me at XXXX. I tried to resolve this with the company and they still cant seem to find my payment. I paid {$510.00} on XX/XX/XXXX to settle this account but the balance was still incorrect and nobody seems to know where my payment of {$240.00} went to. I called my bank and they gave me a trace number for transaction of # XXXX company that took payment was Nissan Motor acceptance XXXX XXXX XXXX XXXX Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Transunion XXXX and XX/XX/XXXX to receive validation of this alleged debt.The account is XXXX XXXX XXXX XXXX XXXX I also filed CFPB Complaint on XX/XX/XXXX # XXXX. Transunion states the debt is valid as a response. As part of FCRA 611 ( a ) ( 2 ) ( B ) I requested to receive all information provided from creditor for the investigation of my dispute.This has gone on for long enough. This account need to be deleted now! Transunion has been ignoring all of my requests. Transunion has continued to violate my rights. The account has NOT been validated it must be removed.
Product: Debt collection

My wife had insurance with XXXX XXXX and she let it lapsed due to the expense of this insurance. My name was on the policy due to she had to list everyone in the residence that had a drivers license and drive. I sent a validation letter to Credit Collection services to verify this debt. On XXXX/XXXX/2015 I received the attached note, stating they had spoken with the creditor and they said it was my account. As you can see by the attached file this is not a violation but the refusal to send documentation verifying this debt. The Actual policy was created and was my wife policy.
Product: Debt collection

Commenity bank calls me at least 6 times a day Sunday through Saturday. The call before XXXX XXXX  and after XXXX XXXX  daily. I have asked them to stop calling me multiple times but they continue to call. I have tried to set up a payment agreement but they refuse. They have identified themselves as a 3rd party collection agency and apparently sold the debt within 30 days of delinquent payment
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :
Product: Credit card or prepaid card

I sent a check for my Lowes credit card to Synchrony Bank on XX/XX/XXXX in the amount of {$700.00}, which was the full amount due on the statement. On XX/XX/XXXX, I received an email from Synchrony Bank that I was delinquent on my account and that I was being charged late fees and interest. I spent 10 minutes trying to get past Synchrony 's automated " customer service '' and then another 30 minutes waiting on hold before I finally gave up. With no idea of how long it would take to ever get the issue corrected, I cancelled the check ( {$35.00} fee ), paid the late fee, interest and amount due online, and then cancelled my account. I believe Synchrony is operating in bad faith. Trying to unfairly charge customers for late fees and additional interest payment, and then hiding behind an impenetrable, everlasting delay to speak with a live representative.
Product: Credit reporting or other personal consumer reports

Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification.
Product: Money transfer, virtual currency, or money service

Branch did not help me with filling claim as tried calling number to file claim no help was received Fraudulent Transactions Claim need to be made XXXX {$1500.00} XXXX {$4200.00} XXXX {$4900.00} XXXX {$4900.00} Total {$15000.00} Company is fraud. As this was an investment. Company has not responded .Branch has giving hard time filing claim as I went to branch and called XXXX. This was investment of mobile application which was never received
Product: Mortgage

I lost my job due to Covid in late XXXX and I filed for a hardship through BBVA bank it holds my home equity line which Ive had for five years no one ever told me that it would put put a block on my account so a year later after I started working as self-employed PNC Bank took over for Bbva and as I Attempted to withdraw money to make XXXX on my residence I was told that I was blocked I went to the manager of PNC Bank in XXXX Arizona spoke to XXXX from customer relationships at PNC Bank and XXXX from executive customer relations and no one can tell me why the block was from my account they are assuming its because of the hardship but due to a national pandemic I shouldnt be penalized and take my home-equity line away from me when I need it the most I am not upside down in my mortgage if anything Ive quadrupled my value of my residence and only owe XXXX and its appraised for XXXX. PNC bank has told me to reapply for my home equity line of credit and I need 12 months of self-employment I just became self-employed five months ago I just think its so unfair that I was not told that it would block my home equity line of credit when I took a hardship for the national pandemic. Its amazing that banks can put a block on your loan and not even tell you what the reasons were and I thought it being a national pandemic it wouldnt affect anybody. I would appreciate some help please thank you
Product: Credit card

I am disputing the collection account with JPMCB CARD account number XXXX dated XX/XX/year>, with a balance of {$4100.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that JPMCB CARD, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Bank account or service

On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a PNC Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with XXXX Bank. XXXX Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting XXXX Bank again, I was told by a supervisor that it could take 90+ days to receive my refund and they could not issue my refund until PNC Bank refunded the money to XXXX Bank XXXX 

XXXX Bank Contacted PNC Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, PNC Bank has not responded to XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys, the Dept. Store of National Bank charged off a credit card account and assigned it to XXXX XXXXXXXX XXXX. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the Macy 's Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of - Public Record : XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX - Creditor : XXXX XXXX Date XXXX Current Status : Collection Amount : {$38000.00} - Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Collection Amount : {$4000.00} - Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Date Reported : XX/XX/XXXX Current Status : Charged off Amount : {$88.00} - Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Collection Amount : {$2000.00} - Creditor : XXXX XXXXXXXX Date Reported : XX/XX/XXXX Current Status : Collection Amount : {$1100.00} Inquires : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I recently discovered this account among many due to Identity theft. I disputed this account previously but nothing was done about it.
Product: Bank account or service

My complaint is against Rushcard, my funds were held up for 6 days because of there system updates. When I did n't get my deposit on XXXX as I normally would get 2 days earlier than my pay day XXXX, I started placing calls to them, then was told would get funds on the original pay day due to system upgrade which would have been XXXX still no funds on that day I kept calling and holding for over XXXX minutes each time to be told they can ' provide me my account information because the systemwas n't work, I placed several calls a day to the company between XXXX, i finally spoke with a lady on XXXX who got my funds released on XXXX this was the worst experience ever with this company
Product: Mortgage

We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$420.00}, XXXX in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Midland Mortgage , a division of MidFirst Bank XXXX XX/XX/XXXX. They accepted my instrument but did not credit my account. I did call on XX/XX/XXXX and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX, a supervisor ; this call has been recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Please see attachments. I've also sent them readings on the " Banking Act of 1933 ''.
Product: Checking or savings account

Chase Bank bounced a check from one of my accounts and never notified us ( so that we could resolve the issue ). This has never happened before in the past regarding checks. The check was written to my daughters day care. The bank then began charging us multiple insufficient fund fees and a return fee when we had the money in our accounts the entire time. So instead of just pulling the funds from one of our other accounts. I contacted the bank to clear up this matter and they were unwilling to resolve the matter with us. My wife contacted the bank to do the same and they were very rude to her. We have been with Chase bank for over 10 years. I'm filing a complaint for " unfair business practices, '' and taking advantage of there customers.
Product: Money transfer, virtual currency, or money service

I have been using cash-app for many many years with no problem and cash-app closed my account with any further notice giving me no reason, it has caused me to miss payments, my time trying to get any money out of the account, i now have less options for money transfer services i did not break any rules at all. I would like my cash-app account re instated.
Product: Debt collection

Telerecovery is reporting an unknown medical account ( s ) ( XXXX ) ( amount {$580.00} ) reporting on my credit report ( s ). I mailed Telerecovery a tracked letter via the United States Postal Services on XX/XX/2018, requesting validation of the debt/account ( s ) Telerecovery is reporting on my credit report ( s ). More than thirty days have passed since I mailed Telerecovery the letter requesting debt validation for the account ( s ) their company is reporting on my credit report ( s ) ; Telerecovery has not responded to my letter requesting debt validation. When Telerecovery did not respond, I contacted the original creditor ( s ) listed on my credit report ( s ) for whom Telerecovery claimed to be collecting the account ( s ) /debt on the behalf of. The original creditor ( s ) stated I did not have any outstanding debt/account ( s ) and that my medical insurance had paid the account ( s ). Moreover, Telerecovery placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Telerecovery never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ).