23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citizens One Mortgage took over our home loan in XXXX of XXXX. We received notification of this by mail the first week of XXXX. Prior to Citizens One taking over our loan, we were with XXXX XXXX XXXX. Because we paid our mortgage using XXXX XXXX XXXX automated bill pay feature, we scheduled mortgage payments to be sent out on the XXXX of the month before to ensure the payment would reach XXXX XXXX on or about the first. We never had an issue before, and our account was always in good standing. 

When Citizens One took over our loan, we had already sent out XXXX mortgage ( {$1200.00} ) using the XXXX XXXX XXXX bill pay feature. A few weeks went by and we received a second notice from Citizens One. This time the letter indicated a new, increased mortgage amount because of increased taxes, and they indicated they had not yet received XXXX payment. We made our first call to Citizens One letting them know that we had made the payment to XXXX XXXX before we were notified of the changeover. The Citizens One representative ensured us that there was more than likely a delay in their system and that the payment would post on their end very soon. 

After this communication we took the opportunity to set up our account on XXXX XXXX payment portal so we could make payments and see our balance. We made the XXXX and XXXX XXXX XX/XX/XXXX & XXXX notice how we pay early ) payments through their online portal for the NEW amount. In late XXXX we started receiving phone calls and letters stating we were a month behind with our mortgage. When we spoke to XXXX on XX/XX/XXXX via phone, she told us we had made a short payment and that they dont accept short payments. This short payment they were referring to was the XXXX payment ( {$1200.00} ) made to XXXX XXXX before we had received notice of the updated amount, and before we knew Citizens One had taken over our loan. 

XXXX informed us they moved the {$1200.00} over into principal and she went on to say that we needed to make a payment for the difference in the shortage ( {$53.00} on XX/XX/XXXX ) and the very rude representative ensured us that our XXXX short payment ( {$1200.00} ) would be moved out of principal, applied to the {$53.00} paid over the phone paid toward the mortgage. Two weeks later this still has not happened and we are still receiving late notices. Now, we cant even make a payment through their online portal ( had to pay XXXX mortgage ( {$1300.00} ) with Rep XXXX on XXXX ) due to the XXXX short pay. 

Each time we've spoke to a representative ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX the supervisor, XXXX XXXX ) from Citizens One we are met with condescension or they talk over you. Theres a total lack of empathy and irreverent disregard towards us and the situation. As homeowners who have always paid on time and EARLY, we are dismayed by this company. Other customers have made the same complaints about this company on the Consumer Affairs site. Please investigate whats going on over there. Never had this issue with XXXX XXXX or any other mortgage company weve ever gone through. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I get paid every 2 weeks, I wanted to change the due date for my payments, they were normally due on the XX/XX/XXXX of each month, we are buying a home and now will need to move some bills around to accommodate the new mortgage payment. I emailed Lending Club on XX/XX/19 at the email they provide for due date changes ( XXXX ) requested a new due date around the XX/XX/XXXX of the month, they emailed back on XX/XX/19 that they could only go as far as the XX/XX/XXXX, which was ok, I emailed back that same day the XX/XX/XXXX is fine I needed to change it regardless. I received an email back on XX/XX/19 stating that my new due date would be the XX/XX/XXXX of each month beginning on XX/XX/19. Today is XX/XX/19 and I checked my bank account and Lending Club took their payment, I called and spoke to XXXX different people, the first rep told me I misinterpreted the email and had to call to change the due date, there is no mention in their emails of me needing to make a phone call to do this, the second person put me on hold and never came back, the third woman I spoke to saw the emails and could not understand how the first woman I spoke to could tell me I was wrong and there was nothing that could be done, she opened up service tickets for a supervisor ( who are not available by phone to customers ) to look into this and another service ticket to try and cancel the payment, my account is now overdrawn and I was charged {$35.00}, this is absolute XXXX!! I am appalled that nobody knows what to do and you can not speak to a supervisor. I want this rectified and I want the {$35.00} fee refunded to me. I have all emails saved as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not belong to me. 
Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Credit card or prepaid card

I was charged interest on promotional charges with Lowes on several occasions over the past few years, on the latest one on that expired on XX/XX/XXXX I was told by a lowes credit expert that I had a grace period to pay the interest of 30days and not be charged the $ 4700+ in interest, I immediately paid it within the 30days. I was also told that the previous charges that they had ran up on me of promotional interest were going to be waived due to this and the fact I had paid thousands of dollars in interest already. 

Since such time I have spoken to Lowes on 4 different occasions including 2 managers that keep telling me that this will be " taken care of '' within 24-48hrs and I had original transcripts of when that was said. I am sure there are notes. The latest notes would indicate per XXXX I owe and agreed to pay {$150.00} and that would clear the entire account. I waited another week it has not moved to that amount. I spoke to XXXX one of the " managers '' who felt the need to argue with me that she couldn't just make it go away and I tried to explain that this was 4th time I have talked to someone and that I was going to file a complaint and needed some real results and I am not Paying interest that i don't owe and especially when I was told that I don't have to pay it by more than one lowes representative. I need help to clear this once and for all and get transcripts and phone calls etc.
Product: Mortgage

There is an extra {$40000.00} on my payoff. I have provided them with documentation that this was to be forgiven if I made 12 on time payments. I have disputed this for a month and it is holding up my the sell of my house.
Product: Debt collection

Vague message recieved threatening legal action if the call wasn`t returned at th end of the same busineess day. Again, no specifics mentioned. Later determined the co. was a debt collection agency after researching the phone no. on the internet.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXX XXXX On XX/XX/2023 I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated
Product: Credit reporting or other personal consumer reports

Macys XX/XX/year> I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records.

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged a dispute with XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and this is the second request. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed off numerous letters to the credit bureaus to remove incorrect information that is reporting on my credit report and the information is still there.
Product: Credit card

All I wanted to change of address. 
In XXXXXXXX XXXX XXXX, I moved to XXXXXXXX XXXX XXXXXXXX to a XXXX until an apartment opens up. Today, I tried to give my new address, which is : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX, I did fill out the USPS change of address cards each time to a new city I moved to as well from. 
I don't have control of the processing of USPS mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditors has violated my right 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : its also state a consumer reporting agency con not furnish account without my written instruction. 

15 usc 1666B : a creditor may not treat a late payment on my credit card account under or open and consumer credit plan as late for any purpose
Product: Checking or savings account

I dont know what this exactly is. I tried to open an account and got report from XXXX and Bank of America Missouri came up with an account that was reported for suspected fraud on XX/XX/XXXX. It further states that all amounts have been paid in full and closed on XX/XX/XXXX. I have not been in Missouri for almost 10 years. My Ex Wife lives there and dont know if she tried to open something. 

Bank of America Missouri XXXX. XXXX XXXX XXXX XXXX, MO XXXX RTN : XXXX Acct : ending XXXX Amount {$3400.00} Closure Status : Paid in Full I have never had any accounts with Bank of America during this time nor was I living in Missouri and am currently dealing with someone stealing my identity in XX/XX/XXXX. I have other accounts that were opened and was incarcerated in XX/XX/XXXX until XX/XX/XXXX. 
How can I have this removed so I can open a checking account? 
There is not any number to call or anything regarding this. Please Advise Thanks
Product: Credit card or prepaid card

We filed a dispute with CHASE Cardmember Service in XXXX XXXX, about the charge {$190.00} post on XX/XX/XXXX from XXXX XXXX XXXX. We have totally talked to Chase Dispute Dept 8 times, also sent them the faxes and letters over 11 times. Disappointedly, all they do is mailing us a single page of copied-letter each time to deny our claim and also tried to close our case three times previously. 

After 10 months long waiting and our own investigation, we 100 % strongly believe all happens are CHASEs fault, because this dispute and confusion are all caused by CHASE misconducts. 

On XX/XX/XXXX, over the phone, we gave our credit card # and security code to this lady Ms. XXXX XXXX in XXXX, XXXX for XXXX XXXX XXXX XXXX of XX/XX/XXXX, but hours later we were doubtful about her pricing and processing ... .... We feel very suspicious and thinking this is an International Fruad, because she didnt give us any purchase contract, deposit receipt or any travel itinerary ... XXXX 

Next day on XX/XX/XXXX early morning ( within 24 hours timeframe ), we called/texted her to cancel this trip, and immediately called CHASE, to stop this transaction, but CHASE staffs told us that they couldnt do anything because the charge was not post yet by XXXX XXXX. Then CHASE Supervisor advised us to change our old card to a new card and new security code to avoid future charge. We agreed! 

But on XX/XX/XXXX when we received XX/XX/XXXX statement and found out that CHASE, despicably, let the XXXX XXXX charged us {$190.00} and foreign transaction fee {$5.00} by using our NEW CARD # and NEW SECURITY CODE! This is so wrong! 

On XX/XX/XXXX, this Alaska Cruise trip was cancelled by XXXX XXXX  due to Covid19 pandemic. CHASE still refused our claim again because they said this charge took place too long ago. We feel CHASE didnt protect the card holders right at first place, then, standing on the merchants side in order to make more money for himself. Later, we continuously sent CHASE more requesting letter with more proofs and explanation. Unfortunately, the staffs of Dispute Department still ignore us and simply mailed us 7 exactly same copied letters to deny our claim. 

We are senior citizens and retired, we cant spend expensive attorneys fee for this {$190.00}. With these11 months motion stress, we can only ask for your help, PLEASE GET CHASES ATTENTION, CONCERN AND JUSTIFICATION AT THIS DISPUTE. After all, this dispute is caused by Chase staffs faults. 

Honestly FTC is our last help and we sincerely hope FTC can investigate this matter and get some justice for us from CHASE and hope CHASE can credit {$190.00} back to us accordingly. ( Even now we are still wondering, how can a world famous financial institution be so critical, unreasonable and unreliable to their credit card holders and His royal 10-years, long-term bank-customers?? ) All the statements above are true to our best knowledge.
Product: Debt collection

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice on the XXXX app that I was preapproved for their card and I can check without impacting my credit ( and offered me {$60.00} off my next order for doing so ). I checked into it, but they did a hard inquiry without my consent or permission. I am upset as I have a roof repair I need to complete and I never would have agreed to see if I qualified if I had known they were doing a hard inquiry. This inquiry is just another reason I have been denied by XXXX XXXX, who said one of the reasons was too many inquiries. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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
Product: Debt collection

Hi, I have a collection with the name of XXXX XXXX XXXX that I am not aware of giving them any information. Can you please investigate and also send break down of this payment.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for failing to properly investigate and resolve inaccuracies in my credit report. My name is XXXX XXXX, and my date of birth is XX/XX/year>. The last XXXX digits of my Social Security XXXX are XXXX. 

Pursuant to 15 U.S. Code 1681i, under the Fair Credit Reporting Act ( FCRA ), I submitted a dispute to Equifax regarding numerous inaccurate items on my credit report. Despite my formal request, Equifax has failed to adequately investigate and correct these errors within the required timeframe.
Product: Credit card or prepaid card

My credit limit was reduced {$1300.00} on my Chase Credit card ending in XXXX without prior notification from Chase.
Product: Credit card or prepaid card

I applied for the American Express XXXX card, I was denied due to my credit report. I know that credit reporting is voluntary according to CFPB 3.1.1 Furnisher Incentives and Disincentives. This was a private transaction and involuntary information was used to determine eligibility. I never provided written consent for the information that was used to be furnished on my consumer report. Therefore I was discriminated against by American Express
Product: Checking or savings account

CapitalOne restricted my savings and checking account in XX/XX/XXXX due to some bogus claim from a wire I received to my account ... : .the sender of the wire claim it was sent under fraudulent pretenses which she could not prove and she never followed up with her bank to get her wire recalled. In XX/XX/XXXX, Cap one closed the case, but did not release my account until I called to check on it which was in XX/XX/XXXX. 


They released the savings acct, which was the account with the incoming wire, but still holding my checking account ( granted, my checking never had any incoming wire, but outgoing wires ) claiming they they are waiting for the banks to recall the funds. Banks dont recall wires unless its requested by the banks customer /sender of the wire. 
Capital one customer service reps refused to tell me what specific banks and what specific wires that they are waiting to be recalled and refuse to tell me if any of these banks if initiated this process XX/XX/XXXX, I had my attorney to send Capital one a demand letter requesting that they release my account, we never got a response from Capital one, so I did a little researched and found the email address for XXXX XXXX, the banks president and emailed a copy of that letter to his email address ... .about a week later I received a email response from someone name XXXX with the usual excuse that they are ending their banking relationship with me ( as if I care ) and waiting for the funds in my account to be recalled by the banks that dont excuse ... .unless of course they are referring to the account of the banks of the individuals that I remitted wires to. Throughout this entire process, even after the wire sender never followed up to get her wire recalled and the money was never sent back to her bank, cap one has never given me the benefit of the doubt ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card

Wells Fargo is forcing me to keep a {$440.00}. Purchase of a product that. Was suppose to fit my XXXX XXXX and the product purchased does not even fit my car its the wrong item its not what I purchased after I disputed with Wells Fargo one of Wells Fargo dispute team members inform me to contact XXXX and try to return the item I tried XXXX told me because I disputed with the bank its out of there hands first off it has a year warranty number 1 number 2 there not letting me return it and the company I purchased it from is ignoring me there no way legally you can force me to keep a purchase that is not what I ordered I did what Wells Fargo ask I tried to return there not excepting it I provided documents of me trying to get a return
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, and XXXX XXXX immediately. 

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 XXXXXX/XX/year>