23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a bill from Citicard XXXX for a Costco membership. I can not tell you my credit card number because I never received the Citicard XXXX and told them over the phone. Also, I told them that I no longer needed to be a member of Costco. I moved to my daughter 's home and she has a Costco card. They continued to charge me. Then, I wrote a letter to them. Today, I have a bill for {$110.00} for that original {$50.00}. I talked to Costco and they cancelled the membership.
Product: Student loan

XXXX XXXX XXXX XXXX have unlawfully accessed my loan & other financial/personal information, without my consent. My privacy was violated. Violations of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards student education records from unauthorized disclosure to third parties, and since a breach occurred when access to these records was provided to staff members at XXXX, without my permission, my loans & outstanding balance MUST be forgiven & any debt I have be zeroed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXXXXXX XXXX XXXXXXXX {$49000.00}
Product: Debt collection

Portfolio Recovery Associates LLC keeps calling my job hanging up on me. They call and wait until I finish my greeting adding my name at the end and hang up on me. This has been happening for at least a couple of months ( a few times a week ), but I didn't know that they were calling for me at first. On XX/XX/2019 at XXXX XXXX I looked up the company 's name and number out of curiosity and found out that they are a collection agency handling an account I had with XXXX XXXX for a little over {$500.00}. They would not tell me who the original creditor was or give me any other information. I did provide them with my bankruptcy case # XXXX and expressed my complaints and concerns about them harrassing me by repeatedly calling me at work and hanging up on me. I was told by the agent I spoke with that it would not happen again and she apologized. Unfortunately I just received another call around XXXX XXXX today at work and again once I finished my greeting and gave the caller my name they hung up on me.
Product: Vehicle loan or lease

In XX/XX/XXXX my car was repossessed. Bank Of The West stated I was behind 3 months, but that was not the case I agree I was behind but I always make sure it was not 3 months. I got sick with XXXX  and started falling behind on bills but this in particular I new I I could only if you have more than three months so and XXXX are you, XXXX I cant find it. What are the stats on XXXX of XXXX I send two payments of {$560.00} an accident when I noticed that I called the bank because it to my financial situation I couldnt make those two payments so I told them I need one return if that was possible they said yes it was possible they will send me {$560.00} back to my account. Around XXXX, I called again because they never sent me anything to my bank nor did I received a check on the mail they told me the check was mail for me to wait about 2 weeks and call them back if anything was received again. So I waited and at this time I keep making payment and was still behind 2 payments. Around XXXX since XXXX didnt received the check I told them to just apply that money to my balance and they said they would but never did. In XXXX I email the bank and told them again to apply it to current balance but they never did. When the repossessed my car I call the bank immediately to see why they had done that and the guy who answer the phone told me it was a mistake that I was not behind 3 payments that a payment of XXXX was never apply to my loan for me to call another department and he provided me with the number. When I called over-there I explain the guys and he said the bank had the right to repossessed the car after one missing payment I told him that was not in the contract and the said he didnt know what contract I was talking by about for me to wait a few days and then call back. When I call back in about a week they told me in order for Me to get the car back I needed to pay {$3800.00} at front and I could go pick up the car but didnt had the money for that at the moment. About a month later I got a letter stated they had sold the car for {$19000.00} and that there was a balance reminding of $ XXXX since the mount left on the loan was XXXX for me to start making payments on that or they would sent me go collections. I feel the bank didnt respect the contract and I understand I was behind on payments but they should of fixed their system and apply the {$560.00} they had somewhere and I never received. At least I should be charged for the reminder amount since they never took the time to review my account in detail.
Product: Credit card or prepaid card

XX/XX/2021, I booked a flight from XXXX XXXX to XXXX XXXX XXXX XXXX using my Chime Visa credit card for the amount of {$1900.00} XX/XX/2021, The XXXX government extends its ban on international travel through XX/XX/2021, to slow the spread of coronavirus. 

I contacted XXXX regarding the travel ban and subsequent trip cancelation. The representative at XXXX promised the airline would issue a full refund in the amount of {$1900.00} XX/XX/2021, I filed a dispute with Chime regarding this matter and provided the dates of the disputed amounts, the name of the airline, and all the information that the bank requested. 

XXXX ( exact date unknown ) received a message in the app from Chime dispute department stating that they do not find an error occurred. 

XX/XX/2021 Received an email from XXXX claiming that they had already processed a refund. 
" Dear Mr XXXX, Thank you for your notification regarding flight XXXX of XX/XX/2021. 

Our records show that there was a chargeback on your flight coupon and we, therefore, suggest that you contact your bank. '' Kind regards, XXXX Customer Services XX/XX/2021, Contacted Chime to inform them that XXXX claims to have issued a refund on XX/XX/XXXX. Chime responded by sending me a copy of my XXXX statement. I asked Chime to reopen the investigation. 

XX/XX/2021 Received the following notification from Chime : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Cancellation Date Error Reported : XX/XX/2021 Claim Amount : {$1900.00} Hi XXXX, We received your request to reopen your claim listed above. We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed.
Product: Credit card or prepaid card

XX/XX/XXXX, Barclaycard US website and customer Service down. Can not login or speak with anyone. XX/XX/XXXX, same issue. XX/XX/XXXX, customer Service rep answers but does not speak English or comprehend what I am asking and refuses to help me any further. Discontinued my call. I have been trying to re order new cards to use, I didnt receive new cards in the mail. Should be a simple transaction. Still can not login online, doesnt accept any of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, i have called complained, Disputed and Still no help. I filed a police report XX/XX/2020
Product: Credit card or prepaid card

I INFORMED CHASE ON XX/XX/XXXX VIA THEIR WEBSITE THAT I WANTED TO INITIATE THE BELOW DISPUTES AS THESE ITEMS WERE CANCELLED AND I HAVE NOT BEEN ABLE TO GET THE MERCHANT TO RESPOND. I WANT CHASE TO DISPUTE THESE CHARGES ON MY BEHALF AND CONTACT THE MERCHANT TO GET ME A REFUND. 

Post Date Description Category Type Amount XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage showing delinquent account and the mortgage is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has prevented me from accessing my account for for inability to identify me. There is no number to call to get help. There is false ( fraud ) that the agency allowed to be placed onto my account, but offer no real remedy.
Product: Credit card

I have been a Bank of America ( BofA ) customer about 7 years. In that time, I have made my payments on time, including paying off the balances every month. I have had very few, if any, late payments over the last 7 years. On XX/XX/23, BofA withdrew from my XXXX XXXX ( XXXX ) account a sum which I had canceled, or so I thought. Once I saw the amount coming out, I immediately contacted BofA to reverse the payment to them, as it would have left me with no money in my XXXX  account. The person I spoke to thought it should be reversed without problems, but also thought it was a good idea to talk with XXXX. Unbeknownst to me until today XX/XX/XXXX  when I contacted BofA, XXXX had put a stop payment on ALL payments to BofA, not just the individual transaction. I had attempted to make five payments within the last month, all declined because of the stop payment by XXXX. The only notice I received was a message saying it didn't go through. No explanation, nothing. I was alerted today by BofA that they were closing my account, I can only assume for nonpayment. At no point did BofA ever contact me by phone to find out why a loyal customer with a spotless payment record was having problems with the payments. The only notification I received about closing the account came today, after it was already closed and I could do nothing about it. I was never notified by them that this was a possibility, nor was I given an opportunity to remedy the situation caused by XXXX. This will drastically affect my credit, of which I have worked hard to build and maintain over the years. Seven years, spotless payment record, closed within one month without notice.
Product: Mortgage

Ocwen Financial Corporation ( www.ocwen.com ) sold or merge with PHH MORTGAGE SERVICES ( XXXX ) XXXX or XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX, NJ XXXX PHH Mortgage Corporation is the subservicer of my loan, changed the terms of my agreement. My loan closes in XX/XX/XXXX because of the modification and PHH Mortgage change the terms of the modification after acquiring the mortgage on XX/XX/XXXX and went back to the original agreement which would make my loan close on XX/XX/XXXX.  Your Loan Started XX/XX/XXXX ; Your Loan Ends : XX/XX/XXXX ; Remaining Payments : XXXX ; Prepaid Principal : {$160000.00} ; Prior Yr Principal Paid : {$1800.00} '' Prior Yr Interest Paid : {$1600.00}. Out of my payment of {$810.00}, PHH Mortgage uses {$180.00} towards my principal ; Interest : {$220.00} ; Escrow : XXXX. Ocwen Loan Servicng & PHH Mortgage is scamming me. I need an investigation into both companies
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a through investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Opportunity financial is reporting inaccurate information I do not have a open account or contract with them
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I reached out to Synchrony Bank regarding my Sam 's Club Credit Mastercard in XX/XX/XXXX regarding a charge in the amount of {$350.00}. 
I disputed the charge due to services not being rendered by the merchant. ( XXXX XXXX ). 
Synchrony bank provided a temporary credit for a billing cycle but added the charge back twice to my account. I was told that the dispute had been resolved in my favor but I was recharged {$350.00} on XX/XX/XXXX and again on XX/XX/XXXX. 
I've made several attempts to resolve this issue and have the charges removed with no.avail. 
Each time I've spoken to representative, I'm told that it's still being researched.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from XXXX XXXX XXXX XXXX of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXXXXXX XXXX, XXXX and Transunion concerning incorrect payment history reporting by XXXXXXXX XXXX  to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from XXXXXXXX XXXX  or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of XXXXXXXX XXXX and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.
Product: Credit reporting or other personal consumer reports

This is a double complaint. Transunion constantly locks me out of my account even though I am signing in with the correct information and on the same device ( s ) I need to dispute the inaccurate information on my credit report and can not do so because I can not log in. The company continues to fail to provide the services and is incorrectly reporting information.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
15 U.S.C 1681c. ( A5 ) Section states : No consumer reporting agency may make any Consumer Report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX
Product: Mortgage

I lost my job in XX/XX/XXXX during my maternity leave. By XX/XX/XXXX, we were falling behind on our mortgage payments with Pacific Union Financial , LLC. 

We started the application process for a loan modification through their Loss Mitigation department in XX/XX/XXXX. We continued to check in on our application and submitted and re-submitted paperwork as needed. During this time, we continued to receive certified letters from the lawyers about our house going through foreclosure. However, we thought our loan modification would stop the foreclosure. As of XX/XX/XXXX, our application was under review by the underwriter, and I was informed we would hear back soon. 

On the morning of Friday, XX/XX/XXXX, at XXXX, cars lined up outside my home, and the house was auctioned off as my young children and I sat inside. I called Pacific Union as soon as I realized what was occurring, and I was informed that our application was denied on XX/XX/XXXX, and a letter was mailed to us to let us know. We had not received the letter, as letters from Pacific Union typically arrive XXXX days after they are dated. The reason for the denial was listed as insufficient debt-to-income ratio. They denied our application, and we were not given sufficient time to stop the foreclosure from happening. I asked to speak to a supervisor, and hours later, one contacted me to just say that they sent me a letter, and thats all they could do. 

Furthermore, when the denial letter did arrive from Pacific Union, one of the reasons were denied Type I Special Forbearance was that I was listed as no longer unemployed. This is not true. I specified that I am looking for a job, but I never indicated that I had found employment.