23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information.
Product: Checking or savings account

XXXX  erroneously closed my brokerage account due ti my debit card being compromised. Now they are holding my funds will not let me withdraw and have not returned to me my compromised funds.
Product: Checking or savings account

This is a follow up to claim filed XXXX XXXX XXXX from Bank of America called yesterday to work through the issue and I expressed my concerns and frustration explained in the claim above. He told me to call the Claims Team today to instruct them of the fraudulent charges. I explained that because I am out of the country they can not text me and then they will not assist me. He told me that it would not be an issue for me calling them today XX/XX/year> and it would be written that I would be calling from XXXX. I told XXXX that this is such a frustrating and stressful situation and that if it happens again that they will not speak with me I will ask for {$2000.00} in compensation for all the time wasted and the bank not serving myself nor my XXXX XXXX XXXX mother- both with the BoA for over 30 years. 

I just got off the phone. XXXX at BoA would not assist me or work toward getting me approved so that we could deal with the fraud. I added my mother 's phone yesterday and it was verified by BoA via a text code to add it to her account. XXXX said - it takes 30 - 60 days she would not text that phone number.

It is easier for the person taking the money out of the checking account than it is for me to get my money back. There is an issue with their system since it is protecting the perp and not me the client. I am now asking as I stated to XXXX XXXX- I want {$2000.00} in compensation for loosing so much time dealing with their incompetence and a system that is not serving me but instead stressing me out.
Product: Credit card

To Whom It May Concern : I am disputing the charge of {$760.00} from XXXX CA because I was interested in purchasing an electric scooter a.k.a hoverboard, from this company back in XXXX 2015 and because of the price, declined to do so. While I was speaking to the salesperson for almost an hour in an outside flea market, which all the " stores '' were in a tented area, some of his sales people were surrounding potential customers frequently. I know I had my card scanned from a skimming device that takes your numbers off of your card and was charged. I saw the pending charge later that night when I looked online and it posted permanent two days later. It is a FRAUDULENT charge! I called the merchant the very next day at his phone number on the business card, which was either turned off or when on, I left a message with no return call. The same day, I also tried to email the merchant, but the email bounced back telling me that email address does n't exist. I 've filed complaints with the Attorney General, but was told only my credit card company can help me. I have tried to dispute, but to no avail. I am going to take this as far as possible if you wo n't help me because I have been taken advantage of and had fraud committed against me. I have attached a copy of the merchant 's business card. I 'm sure he is aware of his illegal business practices. Please help me resolve this. Thank you for your assistance!
Product: Mortgage

We have been working dilgently with Ocwen Loan Servicing and tbey have been telling us, meaning my husband and I. They are not receiving our paperwork, we have been filling out paperwork for the last 5 months, trying to avoid foreclosure. However, they have been lying about receiving payments abd paperwork. We are frustrated and have called tbe VA worker in XXXX, her name is XXXX XXXX, which she did seem concerned, she stated we must do what we need to do, and I asked what that was, she replied fill tbe paperwork out no matter what, XXXX XXXX did not seem like it was urgent, nor did Ocwen Loan Servicing because they are not concerned with our social security numbers along with our private information. My husband is a XXXX veteran, and we have fallen short in trying to pay rent and a mortage, which is why we tried to do a deed in lieu. We have been unsuccessful trying to get this issue taken care of, and seeking help. We have been frustrated, and losted for help. We are good paying citzens, and fell into a rut. However, we are seeking help because we need help and the company is failing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me 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 have no liability to XXXX. XXXX, XXXX for they are a third party debt collector and I have contract no with them. XXXX. XXXX XXXX brought the debt from XXXX XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX. XXXX, XXXX to provide me the direct contract between them and XXXX XXXX XXXX XXXX showing that they are authorized to XXXX for XXXX XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and XXXX U.S. Code XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX. XXXX XXXX, Transunion, and XXXX reporting this to my credit report.
Product: Credit card or prepaid card

My father passed away in XX/XX/2022, and my family is having major difficulties getting his credit card from California Bank and Trust closed. We went to the local bank branch and provided his death certificate and were told that since there was a credit on his account, we would need to call the company to get the account closed. On XX/XX/XXXX, I called to close the account and was told they closed the account. However, we continued to receive credit card statements, so I called on XX/XX/XXXX to confirm that the account had actually been closed and was told that they could not give me that information and that I would have to present a death certificate at the local branch ( which we already did in XXXX ). At this point, I'm lost as to how to get this account closed. Please provide assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX/XXXX   XXXX  XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX is reporting inaccurate information on AMEX XXXX XXXX. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

I was covid tester and moved to new place where I tired to get a job. Then my job got reduced and was getting help with supporter. I was patient when i came and told me everything will be take care. There a lot fraud happening since I live in XXXX. i hear they made change owner. I thought everything would changed and stay new life. However, another purchased for job but got no money in from other benefit such hour reduced. I got nothing to hear from them. Therefore, i tired to called and explain that it has been taking care and no need to worried. There no any action, however ; the banker lie to me and puts all the past due over me. Then, I did not get any benefit from hour reduced and had gone into personal health issue. American experess has gone so much issue until I get another new one that I was very careful. Another card I had with no purchased were close. All the XXXX money and my own saving money has used on life purchased and job with family support income. Will there a program call housing assistant? Is the temporary or long term? Will someone come in and open the door? Or someone look into your building? Was this reason you can not have good health account with saving? Yes! The job duty and called to explain but there were a process of these. Were there someone tired to access? I was not sure but american express having update system for new projected. Does it effect your account? It should not effect because it was not your fault. However, they were sending the money over me. So weird!
Product: Payday loan, title loan, or personal loan

I tried to contact XXXX XXXX on issue and reached out to XXXX Zachter Law Office in response to liens placed on several accounts. Since its on a recorded line the staff from paralegal to further representative were disrespectful to me multiple times. I asked how to pay, can I pay over the phone and told by the staff I was rambling/disrespectful. I wanted to get clarity on when this had gone to court, Why was I not appropriately served, and I did not wave my right to a NEW YORK court when XXXX funding is located in Florida. I will be reaching out to the New York XXXX XXXX XXXX XXXX XXXX and many others to stop the unlawful liens, court dates I was not notified of, and illegal activities of the Zachter Law Office staff.
Product: Debt collection

I am disputing a balance that is owed to an apartment complex that I have moved out of on XX/XX/XXXX, XXXX XXXX in XXXX, CO. The property management company is withholding the deposit I paid and not applying it to the balance regardless of me showing them proof of an email confirmation the I received from their office. The deposit was paid via money order and the person who messed up the paperwork and sent me the email confirmation no longer works for them. After going back and forth with the complex for several days they forwarded the account to a collection agency I.Q. Data International. I attempted to dispute the amount with them and sent in supporting documentation of my claim on XX/XX/XXXX. Today XX/XX/XXXX called my husband and advised him that I do need to send them more proof because the email 's I have from the property confirming that I paid a deposit is not sufficient. They also advised him that they will be reporting this to our credit and it will be damaged. Today I called them back to see exactly what they are requiring. The agent at extension XXXX would not let me speak and when I asked what my next steps where to resolve this she advised you either pay me or we are putting this on your credit. I asked to speak with a supervisor and was repeatedly hung up on when I finally spoke with someone I was told I have to call back. I am trying to resolve this situation but I am not getting any assistance and the collection agency I.Q. Data International is not helpful they simply continue to threaten me with damage to my credit.
Product: Checking or savings account

Hello, I have been banking for XXXX century. I have used many different banks in different states and different countries. Never has a banking experience domestic or abroad, resulted in the police calling me. 

Today at approximately XXXX I made an impromptu stop Citizen 's Bank XXXX XXXX XXXX I needed cash and didn't want to go to XXXX XXXX XXXXXXXX which was further away. I intentionally do not carry a debit card for all of accounts. Citizen 's is one of those accounts. This has never been a problem at any location I have gone to. In fact, I rarely use my local branch where I opened the account, and when I do use them, I only use an ID. My experiences with using the ID has NEVER been met with the bias I experienced today. 

I presented my ID to XXXX. I explained I didn't have my debit card, and wanted to make a withdrawal. I told her I had XXXX accounts, and I wanted to check on the balance before decdeing how much to remove. I infomed her that XXXX balance was {$2400.00}, but I wasn't sure about the other. She looked at my lines and stated, " People from XXXX do not usually make withdrawals in XXXX. Are you conducting business in the area? '' Never has my address been an issue in any bank outside of my residence. Why was this a sudden pre-requisite. 

She proceeded to ask me question following " policy '' to protect my account. The questions seemed endless : XXXX. When was the last deposit, who made the deposit, what was the amount, where did I open the account, address of where the account was opened .... 

I stated this was excessive and I felt this was clear profiling. This was a new experience and unsettling experience. Rather than withdraw I was shutting down my account. She would not cooperate. I went to the manager. I was irate. I stated I would not leave without my money. If you refuse, feel free to call the police. 

HE DID. 

They came. This made me more irate. 

He still would not shut down my account. 

He did ask me more questions : Last 4 digits of my SS, middle name... 

He still would not give me my money. I spoke with him afterwards and he had the audacity to say he wanted to preserve the relationship. 

This was a crazy encounter. Bias was obvious from the very beginning.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX XXXX XXXX stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Debt collection

I got a carcar card for a downpayment on a car that I got XX/XX/2015 the amount it was for was for XXXX and I never got billed for it at all I pulled up my credit report and came up there for a total of XXXX it was through synchrony bank and they sold it to a third party collector called XXXX XXXX XXXX a collation company I contacted synchrony bank and they told me they had never billed me because did n't have my apt number or phone number. I am well aware that I have to pay the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One pulled my XXXX credit report twice onXX/XX/XXXX and XX/XX/XXXX, and my XXXX credit report on XX/XX/XXXX without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after Capital One pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.
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I have sent a letter and made multiple calls ( XX/XX/XXXX and XX/XX/XXXX ) on the matter and yet they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inquiries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and Capital One remain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd like to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.
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Capital One must remove these inquiries from my XXXX and XXXX reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.