23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account
Product: Mortgage

In XXXX or XXXX 2016, The Money Source, my mortgage company called me and said they were doing me a service to lower the interest rate on my mortgage at no cost, because I was a good customer. We started the mortgage refinance process in XXXX or XXXX, something I expected would be very quick since I already had my mortgage with them. But the process dragged out with me having to submit information over because they did n't get it, getting new requests from people I did n't know ( even a new request to lower my interest rate from some other person at The Money Source ), and slow responses from my loan officer. He said it would take about 30 days ; it took 90 day or more. I went through a lengthy process to electronically sign all the closing documents ; and then a closer came to my house and I had to sign all the documents over again. A week after the closing, I was requested to sign more documents. I was assured by the loan officer that this was not unusual. The loan officer told me I could skip a month on the mortgage payment and the payment would be made through the settlement process. But then while I was on vacation, I got two notices from The Money Source saying that I was behind on my mortgage. I sent these statements to the loan officer on XXXX XXXX asking for explanation and have not gotten a response. On XXXX XXXX I got an escrow statement from the closed loan account ( attached ). It showed no refund to me. I have done several refinances and always the escrow from the old loan is refunded to me. I called customer service and they informed me that the escrow was used to pay principle on the loan. They also said that could not happen without my permission. At no time during the refinance was it stated that my escrow account would be used to pay principal, and I gave no such permission to do so. I complained to the loan officer, and he stated that " the process requires the monies be posted to your principle balance ... ''. I 've never heard of this process. I had anticipated receiving the escrow refund.
Product: Prepaid card

Last month I was approved for unemployment insurance by California 's XXXX. They now issue benefits via a prepaid debit card from a company called Money Network Financial , LLC ( and I'm told the cards are actually issued by " My Banking Direct, a service of XXXX XXXX XXXX XXXX XXXX ). I waited weeks for the debit card to arrive, but it never showed up ( I use XXXX Informed Delivery, which emails me scans of every letter that's out for delivery - the letter with my card never showed up in their system, so I know that it was not stolen by my mailman ). 
I called Money Network XXXX XXXX to complain and they told me to keep waiting. The third time I called ( this Monday ), I was told that my card was activated and almost all the funds ( {$780.00} - almost XXXX weeks of unemployment insurance ) were transferred to a XXXX XXXX account. I notified them that I never received the card, did not activate it, and bank with XXXX, not XXXX XXXX. They said I could fill out a dispute form, which they only mail out physical copies of ( no email! ) and takes XXXX business days. Once I return the form, they start an investigation which will take XXXX days!! Meanwhile, I don't get the missing funds returned to me. 
I did some research online to see if others have had this issue and stumbled upon dozens of other people making the same complaint - their cards were activated ( either before the cards arrived in the mail, or the cards never arrived at all ) by someone else and the funds removed. This is clearly an inside job, as some people are reporting that passwords and other info were changed and only employees of XXXX, Money Network, or XXXX XXXX XXXX  could have had access to their data.
Product: Checking or savings account

RE : XXXX XXXX Business Streamline Checking Account Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), While visiting a Citibank branch on XX/XX/2021, I opened a new Business Streamline Checking Account. According to the business relationship banker who opened my account and the Citibank website, I was eligible to receive a {$1500.00} sign up bonus if I ensured the following conditions were met : Within 30 days of opening your account Qualifying Balance Period, deposit {$100000.00} new-to-Citibank funds into the Streamline Business Checking Account Maintain balance of {$100000.00} for 60 days after the " Qualifying Balance Period '' o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days o Total amount of days = 90 days I have met all of the aforementioned conditions to be eligible to receive the sign-up bonus. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Citibank : XX/XX/2021 : Opened account XX/XX/2021 : Deposited {$100000.00} new-to-Citibank funds into my new Streamline Business Checking Account As required by Citibank, I funded the account within 7 days ( requirement is within 30 days ) As required by Citibank, I maintained a minimum balance of {$100000.00} in my new Streamline Business Checking Account for a period of 93 days through XX/XX/2021. Citibanks requirement was a total of 90 days : o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days On or around the 5-month mark after opening this new account I became very concerned that the bonus I earned was not yet awarded to me. I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours waiting on the telephone for someone to answer my call and address my concerns, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$1500.00} sign up bonus. 

I am hoping your organization can help me. 


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

I received a letter from the IRS LTR 5071C on XX/XX/2019 I scheduled two appointments however failed to make them both. Ultimately I went to the IRS building in XXXX, FL but didnt call to schedule an appointment or bring in my letter with control number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent applications were submitted in my name and my identity was used without my consent to fraudulently obtain good and services. I have attached all documents with dates amounts and account numbers.
Product: Money transfer, virtual currency, or money service

I am trying to close my paypal account. Paypal says I can not because there is a transaction 'in process. ' That is false by any reasonable definition of the term. I can prove the following about the transaction claimed to be in process : 1. Seller sent a shipping notification 2. The item purchased was delivered and is in my possession 3. My bank statement shows funds for the item were transferred 4. Paypal itself does not mark the transaction as 'in process ' in the 'activity ' menu showing all transactions I am attaching an invoice from the seller showing a transaction status of 'shipped, ' which I have confirmed on the phone with the seller indicates the transaction is considered complete from its perspective. I can provide further documentation that funds have indeed left my bank account for this purchase.

In fact those statements are true for ALL transactions listed on my paypal account, with appropriate qualification for statements 1, 2 depending on the nature of the item purchased.

Attempts to resolve with paypal : 1. Multiple online message conversations with customer service, for which I have records 2. Two phone conversations with an actual paypal employee via their customer service line Paypal 's responses have been at times nonsensical, at times conflicting, and always have ignored the basic fact that I can show every party to the transaction considers this transaction closed.

As an aside, and possibly the subject to another complaint : The following is the reason I was trying to close my paypal account to begin with.

Paypal abruptly removed my bank account, my main source of funds for the service. Once again, its explanations for doing so were difficult to come by in the first place and, when given, were nonsensical. For example, paypal suggested my bank had changed its routing number causing the failure and removal from paypal. But that is not true ; I used the same bank account to transfer funds just days before ; there were ample funds in my account for all purchases I have attempted to make.

Paypal via customer service message app claimed it would resolve this issue by scheduling a call with me. That has not yet occurred after about a week, as of this writing. 

A quick check of the paypal XXXX shows this service summarily abuses customers, and that has been my experience. A poorly maintained, poorly operated service that does not deserve anyone 's confidence and should be more tightly regulated. Thankfully I do not need to use this service, e.g. for my business, and will get out as soon as able.
Product: Credit reporting

I sent a letter to Experian XX/XX/2017 disputing credit report. I recieved a canned letter response that refused to investigate any of the XXXX accounts that I was disputing. The letter stated that I had disputed this items previously. Which is not correct for Experian. My credit score with XXXX is XXXX Experian is reporting XXXX with the difference being what was disputed. If in fact I did it would have been only XXXX items ( XXXX and XXXX ) on the list the others are new. I have evidence that I paid XXXX on time and additionally paid them in full and submitted that information. I have proof that I have been fighting XXXX for inaccurate billing since day 1 the billing was produced. XXXX advised that I had to make a dispute with the credit bureau and they would update. It appears that no one took my notice of dispute seriously nor did they want to investigate and made the decision to dismiss it with a canned letter and false claims which should be against the law they claim they serve and ignoring the Fair Credit Reporting Act. It appears they whoever sent the letter did not want to do the work to send disputes.
Product: Debt collection

I recently bought a XXXX and got a new number. Since then I have been repeatedly called by Navient trying to collect a debt from someone who is n't me. They do not leave a message, and hang up if I answer. They call from the numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a bank statement that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax did not consider this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. Equifax continues to show an erroneous 30-day late payment for XXXX XXXX.
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I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had one credit product, a XXXX card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the XXXX account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my XXXX  by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided a bank statement to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, this PROVES that my payment was made and was not 30 days late.
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Furthermore, when I click on the " Historical Account Information '' link I see that XXXX  has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says "XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX thru XXXX XXXX. The account was closed XXXX XXXX XXXX, yet Equifax is reporting that it was closed in XXXX XXXX.
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The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
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Equifax is the ONLY credit reporting agency showing this account as 30 days late ( XXXX XXXX ), XXXX and XXXX report this account accurately as " Pays as Agreed/Never Late. ''
Product: Debt collection

I received a letter of a debt in which I have NEVER had. I called and asked for supporting documentation and they stated that it was a debt from 1999 and if I did not dispute then that there is nothing that I can do now. I explained that I NEVER had the account how could I dispute it. Would not let me complete a sentence, stating I was yelling which I did because she was extremely rude and would not let me finish a sentence. Talked over me the whole time.
Product: Money transfer, virtual currency, or money service

I paid Navy Federal all the overdraft fees back in my account that they were taken from me high overdraft fee
Product: Debt collection

LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift.It appears to be a scam and they are reporting on my credit reports. They original creditor was contacted two years ago and informed that this account was opened fraudulently and was a result of identity theft. They closed the account and had me sign an affidavit attesting to that. Now this a collection has been showing on my credit reports in which I have disputed several times and well as sent debt validation letters to the company and credit bureaus with no response. They identity theft is noted on all of my credit bureau accounts.
Product: Debt collection

I XXXX contacting you concerning an account Chase have sold to this collection agency named XXXX in XXXX CA Account # is XXXX and case # XXXX Chase had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that Chase was selling customers ' debt to collection agency as much as possible before the settlement. 
In XXXX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to Chase. Eventually we had to use my Washington mutual/chase credit card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, CHASE FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. Chase have sold this credit card debt to XXXX before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious XXXX I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
Product: Credit card or prepaid card

On XX/XX/22 and XX/XX/22 there were three charges for each day totaling 6 different charges I did not make. I called Bank of America in early XXXX to dispute the charges. These charges were to USPS.com for {$240.00} each for a total of {$1400.00}. They credited the charges back to my account while they investigated. On XX/XX/22 the charges reappeared on my credit card charging me. These charges were now called 'fraud dispute '. I called Bank of America to dispute this. I was told that the investigation concluded with them posting a message in my account that says we were unable to approve your claim. The reason was that the merchant said the product was shipped to an address listed on my account. The purchase was listed as postage stamps. After a XXXX minute phone call on the evening of XX/XX/22, I was told to call the fraud department during their working hours. Due to my job, I reached out again on XX/XX/22 and was told that a claim would be reopened and the charged were unable to be credited while they are researching the claim. They told me the claim would be researched for up to 45 days. My complaint is that their notification says that they would investigate " using information I provide, my account, my account history, as well as information from the merchant '' yet I feel those steps were not properly taken. They did not reach out to me to hear from me any information, while they included something from the merchant, nothing from the merchant lists my name or states the address where these items were shipped so the evidence they claim to have was not shared with me. If they in fact checked my account history, they would recognize I have never made any purchases like this in my history of being a customer with them for 18 years. While the employee today told me she would 'reopen the claim to be reinvestigated ', no one allowed me to share information so I am left to believe that they will 'reinvestigate " using the same information they reviewed initially and declined me. Additionally, the fact that this {$1400.00} charge is taking up room within my credit and not being allowed to be temporarily removed while the investigation is taking place seems unfair and as if a penalty to me. Within 45 days of the investigation, that will be the end of one and possibly two billing cycles. I will be required to pay off this charge that I did not make in order to keep my credit rating and avoid late fees or not paying in full. This policy seems punitive for something that I did not do but yet am being inconvenienced for. The hours of their fraud department is XXXX XXXX  -either XXXXXXXX XXXX XXXX XXXX. I am XXXX  time and work during those hours or am driving my children around. I spend XXXX minutes on XXXX on the phone and over XXXX hours today on XXXX. Due to their fraud claims department hours, the next week day I will be off during those working hours will be XX/XX/XXXX. I can not afford for these charges to remain on my account for this duration. I went to my town of XXXX XXXX police department tonight to file a fraud claim and the reference number is XXXX.
Product: Debt collection

Collection account was added to my credit report, I have repeatedly tried to get information about this account only to be told it was bought by a collection agency. I have never had any business transactions with this company. Please verify
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a XXXX payment reported by CB/VICSCRT. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date. 
Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$2300.00}
Product: Debt collection

Around the month of XXXX This company initially called my father and I and told us we HAD to pay this debt or else we will not be able to rent ever again, they asked for my personal information. The person on the phone tried to scare me into paying this debt by telling me I need to go take a loan out and or go into my retirement to pay off this loan. The person then continued to call and violate me. I had asked this person to please send in the mail a bill for this debt before I even think of paying it off. a couple days later while I was at work I get called to my managers office stating that they had received 3 calls from a person looking for me, my manager said the company told her it was a urgent matter and to contact them asap. I got the phone number and I proceeded to call the number and sure enough it was the man I spoke to about this debt. I asked him why he called my job 3 times and on there other end of the phone the person hung up on me. Then this month my credit went down XXXX point because they but it on my credit report. I had not received a bill from the original debt owed before they sold it to a debt collector.