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

I opened a XXXX store credit card issued by Capital One on XX/XX/XXXX. After a couple of weeks I still had not received my card. I called Capital One & this is where the first lie was told. I was told it takes 30 days to receive a new card. Then the rep proceeded to tell me my statement had already been cut and it was mailed out on XX/XX/XXXX. She also told me my due date was XX/XX/XXXX. After still not receiving a credit card or a statement I called Capital One on XX/XX/XXXX. The rep told me that she doesnt know why I was previously told it takes 30 days to get a card. She said that is not true, she said it takes 7-10 days. She then said the address for me in their system was incorrect. She updated my address to the correct address and she said she re-issued my statement and also re-issued me my credit card. I did receive my statement but I STILL HAVE NOT received my card. I called Capital One again on XX/XX/XXXX demanding to have my card overnighted to me. Before that I was told cards take 46 days to arrive. I demanded to speak to a supervisor. Supervisor verified my address and could not tell me why I dont have my card. She said she could reissue another card and send it 2-3 day priority mail. I then paid my bill over the phone with her. On Wednesday XX/XX/XXXX I called Capital One again and I was told they dont have the capability of sending cards out 2-3 day mail. She said they only send standard mail 4-7 days. I informed rep I am tired of Capital Ones lies and I will be filing a complaint with XXXX and CFPB. Capital One is already reporting me to all 3 credit bureaus, they took my money and they REFUSE to send me my credit card!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX  and on XXXX XXXX, Credit Acceptance Corporation both conducted a hard inquiry on my credit report through XXXX, XXXX, and XXXX. I did not attempt to apply for auto financing or any kind of credit through these lenders so I called and/or went online to all three credit bureaus to place a freeze and fraud alert. 

I notified the local police but they advised there would be no utility in making a report since I had not actually been financially harmed. 

I called Credit Acceptance Corp and they advised that I needed to contact the credit bureaus to dispute the inquiry. 

I called XXXX XXXX and they advised me to send them a letter detailing the dispute and a copy of my credit report. They received the letter on XX/XX/year> but as of XX/XX/year>, the inquiry was still on my XXXX credit report. 

I disputed both inquiries with all three credit bureaus. XXXX and XXXX removed them both after a simple phone call. On XX/XX/year>, XXXX called and advised I would need to send in an FTC.gov fraud report in order for them to remove the inquiry.
Product: Mortgage

I looked online and received a payoff quote for my home. I then sent the check in on XX/XX/XXXXwith a date marked for payoff onXX/XX/XXXX giving time for a few days of transit. I waited untilXX/XX/XXXX before trying to contact them to ask why my house had not shown a payment or a drawdown from my account. I also tried to contact them through online connection. I received no notice until i finally called the company and was told my payment was sent to the wrong location, though i sent it to the location on the bill, the one I normally send payments too. I was told I sent it to the wrong address and nothing could be done. At no point during any interaction, including during looking up my payoff quote was i told to send this payment to a different location than any other payment that i ha ever made. Now I owe more money as interest has accrued daily and im being told i have to cancel the check and then rewrite one and send it out again. I have to pay the difference in interest that accrues during the time period. This has also caused me to miss a payment and i was told they would have never let me know about the check being sent to the wrong location nor would they do anything with the check. In this whole process, i was treated as if i was in the wrong because i did not know to send a payoff check to a different location than the place i normally send checks. I do not see how they can not accept the funds I sent in at a normal pace of payment and is my opinion that even if it was not processed a complaint payoff the company should have processed my payment against what i owed and then contacted me about what needed to be done to complete the process. The check in question was for XXXX XXXX When speaking with XXXX XXXX at Chase on the phone i was repeatedly told it was my fault and i sent to the wrong address despite telling her there was no other address listed online or my statement. I have copies of the statement as well as the online payoff quote to prove this.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX XXXX  - XXXX {$0.00} XXXX  XXXX - XXXX - {$0.00}
Product: Debt collection

They will not tell me what the debt is. They call several times a day even though I told them my husband is unable to talk. ( He has XXXX ). They never sent anything in the mail explaining what this was about.
Product: Student loan

Started paying student loans since XXXX My account has been scolded multiple times. Received a letter from Mohela stating they are my new holder f my loans. I contacted them on XX/XX/XXXX via phone. I asked them for the loan information ( payment history and statements ). I was informed to go online at studentaid.gov. No information was available.
Product: Checking or savings account

I opened a One Deposit checking account with Citizens Bank on XX/XX/2018. It's been 90 days since my deposit and I haven't been awarded the {$200.00} bonus. 

I also made three online bill payments and did not receive a {$50.00} bonus as stated in the mailer that I was sent.
Product: Credit card or prepaid card

On XX/XX/19 I filed a complaint through Bank of America and the FTC website regarding a credit card that was opened by my wife without my authorization. 

On XX/XX/19 I received a letter from Bank of America stating that I was responsible for the debt because there were payments made. This doesnt dismiss the fact that this credit card was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account from Victoria secret thats has been on my report for years I never in my life have opened any account with them like never Ive never even been into a Victoria secret XXXX nothing I have no idea how this got on my credit Ive been working hard to build my credit go form nothing and just recently it took XXXX off of my score and complete put a lot of plans I had in motion on hold and Im furious because Ive disputed this again and again and now its hurt me at a critical time XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
XXXX
Product: Checking or savings account

I have been trying to access my account for almost 2 months I simply need my phone number updated. I've contacted them via phone and email. I even talked to a supervisor was told to submit certain documents since my id is expired and I done so more than once and all they do is start over on requesting documents. I was out of gas on side of the road and told them my issue and was reassured several times I'd be able to access my account and this was 3 days ago and I still can't access my account.
Product: Bank account or service

I requested Flagstar bank to send a billpay check to XXXX XXXX Rentals for {$750.00} and it was never received or cashed by XXXX XXXX Rentals. Their negligence caused me to lose a vacation rental, and the only way to get my money back was to file a stop payment on the check that was never received by XXXX XXXX Rentals. They charged me a {$36.00} fee for the stop payment to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I lost my job. I worked out multiple payment plans, waiting on a check from the XXXX XXXX to help with payment during financial burden. I was to call once a week and let them know what was happening with the check and if it was approved etc. My first question was will this hit mine and my co signers credit. They said absolutely not. I had till XX/XX/XXXX to catch the account up. This ended up hurting our scores by XXXX points due to late payment after, after we were told it would not due to being in compliance of a payment plan!
Product: Debt collection

I am XXXX XXXX, I am submitting this complaint for XXXX. No XXXX XXXX is involved. Unknown account appears suspicious. Security Credit Services stole my identity. I never gave Security Credit Services permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over XXXX XXXX.
Product: Checking or savings account

My father died in XXXX.Before he passed he was abused by his fake power of attorney and spouse.My entire family has teamed up against me and my father to steal his bussiness, retirement and estate accounts.Wells fargo opened a mortgage after his death and XXXX XXXX XXXX  XXXX allowed theft as well.Due to this i have been poor my entire life.Never had insurance or a place to live.They are aiding in my suffering to hopefully end my life before they are caught..
Product: Checking or savings account

well here we go in a circle again. 
my father passed away XX/XX/2020. 
I can not beleive i have to write this again. 

please see the preveious complaint that was made and see citi banks enclosed response, requesting after weeks of waiting again and after months and over a year waiting still. 

and after they have had all the legal documents faxed to them many many many times. and they have been left and see as the citibanks branches live with me bringing them there. Here we go again with citi bank asking me again for the legal documents showing that I am the administrator of estate for my father XXXX XXXX XXXX, that again they HAVE BEEN GIVEN THESE DOCUMENTS SEVERAL SEVERAL TIMES. 

I DO NOT UNDERSTAND THEIR NON STOP DELAY OF ANSWERING A SIMPLE QUESTION. 
WHERE DID MY FATHERS CD GO THAT HE HAD WITH CITIBANK? 
WHEN WAS IT CASHED OR OR MOVED? AND IF MOVED? WHERE WAS IT MOVED TO? 

MY FATHER HAS HAD BOTH HIS SONS TAKE CARE OF HIM AT DIFFERENT OCCASTION WHERE HE WAS VERY ILL, IN ICU HOSPTIAL VISITS AND NURSING HOMES IN THE LAST SEVERAL YEARS OF HIS LIFE. 

IT APPAEARS A CD MAY HAVE BEEN CAHSED OUT AND STOLEN I NEED TO KNOW FROM CITIBANK, WHO ONCE AGAIN, AND AGAIN, AND AGAIN, AHS BEEN ASKED FOR THIS INFORMATION AS THEY HAVE IN THEIR POSETION. 
MY FATHERS DEATH CERTIFICATE AND THE LEGAL ADMINISTRATOR OF ESTATE PAPERS. I DONT ' KNOW HOW MANY TIMES THEY NEED THESE PAPERS GIVEN TO THEM BY ME IN THE LAST YEAR AND A HALF. 

I DONT UNDERSTAND THSI. 

I ALSO ASKED ABOUT SOME CHECKS AND MORE COPIES OF HIS CHECK REGISTERS AND CHECKS WRITTEN AND CASHED FROM HIS ACCOUNT BECAUSE AT NO POINT WERE THERE STATEMETNS AT THE HOUSE NOR STATEMENT MAILED TO THE HOUSE AND I ASKED FOR SEVERAL YEARS BACK AND I DO NOT UNDERSTAND WHY THIS IS SUCH A BATTLE. ALL THE WORK COULD HAVE BEEN DOEN IN TALL THE TIMES THEY HAVE SPENT ON PHONE CALLS, LETTERS AND RESPONDING HERE WITH TELLING THEY NEED PAPERWORK AGAIN. 

THIS IS VERY HARD ON MY WELL BEING TO CONTINUE TO HAVE TO SUPPLY CITIBANK WITH DOCUMENTS THAT THEY HAVE BEEN GIVEN SEVERAL SEVERAL SEVERAL TIMES. PLEASE JUST HELP. 

PLEASE STOP ADDING TO STRESS. i N EED THIS TO END. 

SEE THE DOCUMENTS THAT YOU HAVE BEEN GIVEN AGAIN AND AGAIN AND AGAIN AND AGAIN AND AGAIN ... NOW ONCE AGAIN ATTACHED TO THIS FILE IN THE COMPLAINT.
Product: Money transfer, virtual currency, or money service

I am the founder of an XXXX based in Maryland but that does work in XXXX, I received some money in my bank account and assumed that it was a donation from someone because I have been talking about all my projects to whoever I can tell. So after i noticed the money i got surprised and never touched the money for some days till a friend of mine asked me if I got the gift from her friend who was trying to be involve in my organization. from then I told myself that it is a blessing and that from now I can use the money to realis my projects. I did some shopping to send some items to the orphanage that I am taking care of in XXXX and was about to ship them there. But since in XXXX my organization has no bank account, I tried to wire some money to my personal account like that my partner in XXXX was suppose to open an account for the XXXX and start to work on some of the projects but just after that my account was blocked and I have no access to any founds or information a part an email on XX/XX/2023 saying that my wire transfer has been rejected and the reason is suspected fraud, and today we are XX/XX/2023 and nothing is clear in my case and I am trying to know what can I do to explain to someone there ( Truist Bank ) I have the name of the person that sent the money in my account even though it was coming from XXXX XXXX. but the bank is not even giving me a chance to explain my side of the problem but they are just telling me that it can take up to 90 days before the investigation is over. I just want to clear my name and know what is next.
Product: Debt collection

There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my 2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company Central Portfolio Control starts on XXXX XXXX 2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.
Product: Credit reporting or other personal consumer reports

Duty to Report Accurate Information ( 15 U.S.C. 1681s-2 ) : Section 1681s-2 ( a ) : This section requires that furnishers of information ( like mortgage companies ) only report accurate information to the credit bureaus. If they report inaccurate information knowingly or if they fail to correct the error when notified, they may be in violation of this law.

Duty to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : When a consumer disputes the accuracy of information, the furnisher ( in this case, the mortgage company ) must conduct a reasonable investigation. If they fail to investigate or do not update inaccurate or incomplete information, they could be in violation of this provision.

The law requires the furnisher to correct or delete inaccurate, incomplete, or unverifiable information after the investigation.

Duty to Update and Correct Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly update or correct information that is incomplete or inaccurate once they become aware of the issue. Failure to do so could be another violation.

The company 's payment portal was down for several of my attempts when I tried to pay. I have had to call in my payments due to errors. I called in twice and received no response. When I finally got someone to fix my payment method via phone, the autopay didn't update with it. When I called again to ask why my payment was considered late, they set up my autopay but after hurting my score. The company also stated that they didn't receive many of my calls which I have record of.
Product: Credit card or prepaid card

The account was closed in 2014 with a {$0.00} ballance. I recently noticed it is reporting a ballance of {$170.00}. I have called the company many times and no one can tell me where the balance is from. 

I have written complaints, been transferred countless times, desputed through credit bureau and XXXX has removed it but XXXX and XXXX has not. 

No one calls me back and no one has answers on this made up ballance.
Product: Payday loan, title loan, or personal loan

When I realized this was a loan and not a credit card- because they portray themselves as a credit card. I did a transfer balance and paid it off the beginning of XXXX. It took them WEEKS to process the check that XXXX XXXX  mailed them. Now 2 full billing cycles have gone by- and it is STILL being reported to the credit bureaus that I have a {$960.00} balance. I have disputed with XXXX and XXXX. And the company is still stating my balance to the credit bureaus is {$960.00}. I can log in online and see my balance is {$0.00}!
Product: Credit reporting or other personal consumer reports

XXXX  credit report continues to show a balance on the account. Dispute has been unsuccessful because the account holder continues to say the information in correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX  XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit card

My credit card payment with Avant is due on the first of each month. On XX/XX/XXXX, I arranged a credit card payment of {$71.00} to be processed on XX/XX/XXXX. However, on XX/XX/XXXX, I received an email indicating that a scheduled credit card payment of {$1900.00} had been set for the same date. I suspect that this transaction was fraudulently initiated by someone within the company, as I was not near my computer or able to access their application that day, given that my initial payment was already arranged. 

I reached out to Avant 's customer service, but they informed me that they could not cancel the payment because the ACH transaction was scheduled for the payment due date, advising me instead to contact my bank. I subsequently contacted my bank to initiate a stop payment, which incurred an additional fee of {$35.00}. 

Upon further investigation into Avant , LLC, I discovered that the Federal Trade Commission had filed a lawsuit against the company in XXXX due to unauthorized withdrawals from consumers ' accounts or charges to their credit cards, and etc.. It appears that the company may still be engaging in similar practices following the lawsuit.

I have attached two files of the emails.
Product: Payday loan, title loan, or personal loan

My monthly payment was coming due on XX/XX/22, and I called Lendmark Financial several days before the due date ( around XX/XX/22 ) to let them know I was out of work because of a family XXXX emergency, and I was requesting help. I knew I would not have income to make a payment. 
The agent said she could submit an extension request to help, and would follow up with me the next business day after talking with a manager. 

Nearly a week later, after the due date, I get a rather curt phone call from another agent demanding my payment. Clearly she had NO knowledge of the previous phone call, the information I provided, or the offer of help via an extension. This agent didn't offer an extension at all, but said would send another form to me by mail. There was NO explanation about this form, what to do with it, how to fill it out, how it would affect my account or what it would do for me. After several days another call came and I hadn't received the form yet, so it was emailed to me, again with ZERO explanation about the form or what it would do for me. I told the agent I could try to make a payment but my account was overdrawn because I was out of work. ( I did try to submit a payment and my bank rejected it ). Three hours later I got another call from same agent who was very rude, unhelpful and unprofessional stating I promised to make a payment ( which I did not ) and she hung up on me without any other help. 

I completed the emailed form and sent the information to Lendmark. I received an automated message that the matter was " closed '' and upon logging into my account, there are no notes, messages, updates or any other information about the matter to let me know what's going on with my account or the form/information I submitted. My account still shows a past due status and late fee. I was never advised of any possible fee either. 

Clearly, my account is not documented when making contact with agents at Lendmark, information is not followed up on, and requests are ignored by staff.