23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is in regard to Citizens One Home Loans. I have been trying to get a current copy of my mortgage statement and can not. They have blocked customers who have their home loan in forbearance from accessing their account online. I have called there for several days and spent up to 5 hours waiting on the phone not to speak with anyone. One representative will transfer me to customer service about trying to get a copy of my monthly statement and find out why I can't access my account. I held on for 2 hours and no one answered the phone.

No one will return your call on the second note.
Product: Debt collection

They are attempting to collect an alleged debt and money that I do not owe.
Product: Prepaid card

I received a {$1000.00} American Express Giftcard as a part of a XXXX XXXX XXXX through my work. I have been trying to use the card on multiple online vendors, and have not gotten any store so far to take the card. This is extremely frustrating as I have now read multiple reports of people having the exact same issues and have had no luck getting them resolved with the company. In fact, many have been told to " just use it other places until you find somewhere that works ''. In my opinion this is not an acceptable resolution for this issue. Please help me get the money from this card so that I am actually able to use it. Holding money in this matter with no way to spend it when it is supposed to be " accepted virtually anywhere American Express is accepted '' is false advertising and should be criminal.
Product: Credit reporting or other personal consumer reports

Letter sent to each credit bureau ( XXXX, XXXX, Experian ) I requested that inaccurate information be removed from my credit report, and asked for an updated report was information was removed.
Product: Credit card or prepaid card

I received an alert from my bank of a new account opened under my name with Bank of America on XX/XX/22 I contacted Bank of America to confirm an credit card account was opened. I have no knowledge of this account nor did I authorize a new credit card.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on my current AUto loan with Wellsfargo on XX/XX/2020 during a global pandemic. How is it possible that you still mark your clients late during the toughest time in the world? Anyways, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX.I am submitting this complaint without any influence from any third party or agency. There are inquiries on my consumer reports that were not authorized and do not have any accounts on my reports.
Product: Credit reporting or other personal consumer reports

I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.
Product: Debt collection

I asked for this account to be verified and show proof that this is in fact my debt and show proof of any signatures showing I agreed to pay this debt. This company in turn sent a copy of medical records with no signatures showing I agreed to have my medical records released and this is a direct violation of my HIPPA rights. I am demanding that this be taken care of with the removal of this information to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Product: Checking or savings account

XX/XX/2018 -- checking and savings account opened through online portal under promotion for {$350.00} bonus. Per the coupon terms, opted to use only {$200.00} checking bonus as I would not qualify for the {$150.00} savings bonus. 

XX/XX/2018 -- I received a bulk mailed offer from Chase regarding their new promotion for {$300.00} when you open a new checking account.Thus in part jogged my memory regarding the promotion I'd signed up under over 10 weeks ago without yet receiving the money I was due. With no indication that something had gone wrong, I called Chase customer service regarding lack of receipt of payment for the promotion. Spoke with supervisor. Supervisor refused to assist because she could not re-apply the coupon. She let me know repeatedly that she did not want to help me and that there was no way she could apply the coupon now despite showing it on my account and despite my having correctly followed the terms of the promotion. When asked if there was any way that the promotion could still be applied, she told me I should close my account for 90 to 180 days so when I come back I will be considered a new customer. When I asked how that could possibly be reasonable, she once again reminded me that " even if I wanted to help you, I couldn't. '' When I asked if a manager could call me back, she agreed and advised it would be 24 to 48 " business hours. '' XX/XX/2018 -- After 5 days/2.5 business days, I sent an email to the Chase Executive Office/Team and reached out to their customer support team via XXXX. I have not heard anything nor been in contact with anyone from the executive team, and though I have gotten a reply from the support team, they merely informed me that they forwarded my complaint to the marketing team and offered no resolution or timeframe for a reply. 
XX/XX/2018 -- As I am writing all of this, an executive resolution team member called me to let me know she will be my point of contact for my complaint. Though I appreciate her, it's concerning that to get anywhere with Chase 's customer service, you have to email the CEO and his office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX / TransUnion has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/XXXX XXXX and DEPT OF EDXXXX XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.
Product: Debt collection

Midland Funding LLc is claiming I owe them more then {$2900.00}. This debt was paid to XXXX XXXX  in full. XXXX deleted this from my credit reports with a promise to pay then months later I get a phone call from Midland Funding LLC call my work which I am not allowed phone calls at work telling me I owe more then {$2900.00} to them from XXXX told them not to call my work ever again all correspondence must be sent by mail ask them to send me Proof I owe this money proof I never paid this debt and all purchases made on this account have yet to get any information at all other then a bill from Midland Funding LLC they still continued to call this debt was paid in full I do not owe this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, NMAC add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, XXXX XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX  . No contact information has been reported by this creditor.
Product: Checking or savings account

I've been going back an forth with Paypal about a dispute that was filed in my favor. A month after the amount was refunded ( {$150.00} ), it shows back up on my account as a negative balance. I contacted them and they claimed they refunded me twice for the amount of the charge, I explained to them that I only received 1 refund and could send them proof with my bank statements. The agent said she would look into it. This stayed on my account for months. In XXXX, I wasn't able to log in to my account. I thought the site was having issues, so I waited XXXX XXXX weeks ( trying to log in intermittently ) before contacting about this. On XX/XX/XXXX, I found out they locked my account. After speaking to who I thought was a supervisor ( XXXX, ID # XXXX ) he told me to fax over the proof ( sent XX/XX/XXXX ) and would be contacted in 7-10 days. I called again on XX/XX/XXXX to see if my paperwork was received, and spoke with someone incompetent who could not pull up my account. I then called the collection agency they sent the account to thinking I could dispute the charges with them and was told by XXXX, there was no way to dispute the charges ; however I could send the documentation to them to forward to Paypal ( sent XXXX ). She told me the company would receive the paperwork within 7 days of when it was sent and from then it would take 7-10 days for them to contact me. On XXXX I received an email from Paypal stating that I removed phone numbers from an account I have been locked out of for a month. I called on XXXX to find out about this and spoke with XXXX. He wasn't able to tell me why the information was removed from my account. I asked XXXX if the information ( either of the 2 ways ) I sent to dispute the charge was received ; he said only the back office has access to this, and he had no way to contact the back office. He said they will reach out by email within 9-15 days. I have not heard from anyone and it has been well over 15 days since this started and still don't have access to my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking  these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( XXXX  XXXX and XX/XX/2021 XXXX Transunion XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and Transunion closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.
Product: Credit card or prepaid card

On XX/XX/21 I was approved for a revolving credit limit for XXXX through Citi XXXX XXXX AAdvantage credit card. I used this credit card to purchase XXXX airline tickets to my daughters wedding in XXXX. When I went back in two weeks later to purchase the baggage my card was declined. I purchased XXXX on the card. When I called the credit card they stated to me they decreased my credit limit to XXXX. They made this decision without notifying me in any way. They claimed they sent me and email. They didnt nor did I receive a letter in the mail and I never signed up for any kind of paperless notification. All my credit is on time and in good standing. The only change in my credit was their decrease of my credit limit and a Parent Plus loan I obtained for my daughters college education. I also can not gain access to my account to set up Autopay. I think this treatment is unfair especially with doing no wrong to my standing credit with this company. I had no history of late payment or over the limit for them to decrease my credit limit.
Product: Credit card or prepaid card

XX/XX/2018 Capital One took {$99.00} out of my checking or around XX/XX/2018. I have contacted these people several times to get a bill mailed to me and a receipt for my refundable {$99.00}. 
I am told that I owe on XX/XX/2018. Where is my bill? 
I only have one letter dated XX/XX/2018-welcoming letter.
Product: Credit card or prepaid card

Basically I opened my XXXX account back on XX/XX/2017 due to an offer they gave that was 12 months, no interest, same as cash. We had a couple of replaced parts on the account due to 2 dressers that were delivered and had damage. Some how, according to a supervisor at XXXX, the 12 month no interest status was removed " accidentally '' and they have no way to add it back to the account. I have spoken to several managers and sent secured messages to XXXX asking them to correct the issue. I have gotten nowhere! I told them the last time we spoke that I would result in contacting XXXX XXXX if they couldn't rectify my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX  {$1500.00} - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$390.00} -- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, account XXXX ( XXXX ), account XXXX ( XXXX XXXX XXXX XXXX XXXX, and account XXXX ( XXXX XXXX XXXX ) have violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that in fact was paid on time, as agreed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached two screenshots on the following dates ( XX/XX/year> & XX/XX/year> ) of my report to this complaint for documentation. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to " Paid on Time '' immediately. Thank you for your cooperation and understanding of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turned XXXX on XX/XX/2018. I have no credit and have never applied for credit in my name. I may be an authorized user of some of my family members credit but nothing personally of my own. There is an American Express card that does not belong to me reporting on my credit and shows as an individual account opened 4 years 11 months ago, I was XXXX then. I did not apply for this.
Product: Debt collection

After pulling credit report I noticed that NCB was list as I'm owing {$2800.00}. I wrote NCB a letter asking them to provide a dept validation. Its been 2 months and i have yet to hear back. NCB is constantly reporting this on my credit report with no proof this dept belongs to me. I asking it to be removed immediately.
Product: Checking or savings account

Citi Bank charged me a few for insufficient funds even though I had available sufficient funds. In addition, Citi bank lied to me that they cashed the check and a few hours later, they reversed the funds transfer or check number XXXX and check XXXX, on different occasions and charged me fees. On two occasions, they hold funds belonging to me and delay the clearing of those funds so that they claim that I have insufficient funds just so they can no cash the check and so they can change me predatory fees to their gain and to my suffering. I need all fees refunded and they must rectify the situation with the merchant. I need them to update their check clearing technology so they can not keep lying and using the technology to abuse consumers by taking money from them in fees that are unfair, unjust and predatory especially to XXXX
Product: Debt collection

have no knowledge of an account in collections from Americollect inc, this is not my account and have written several letters to the company and have never gotten a letter back or anything.
Product: Checking or savings account

On the XXXX of XX/XX/2022 I wrote and mailed a check for {$100.00}. It was stolen and copied, my signature was forged and the check was made payable to a " XXXX XXXX '' for {$28000.00}. It was not endorsed but was cashed by said individual. My bank deducted {$28000.00} from my account. After my bank reported this to me I filed a police report for this larceny.
Product: Credit card or prepaid card

I applied for a Capital One Wal-Mart Rewards Card in XX/XX/XXXX. I have great credit and was approved no problem. I used the card somewhat frequently up until about 2 weeks ago. I noticed it was closed on my XXXX  XXXX  report. The debt was paid in full. In fact, they owed me {$25.00} in cash back rewards ( that I still haven't seen even though I was told they would mail me a check ). I called to figure out why they closed it. It was because I was XXXX  on XXXX  charges in XXXX. My life is totally different now. I work 3 jobs and one of them is a business I started. Anyway, although I disagree with this policy, I ( somewhat ) agree that they have the right to close the account. I say " somewhat '' because in the paperwork details for this very same card say under the " notice to Ohio residents '' it says due to anti-discrimination they have to offer credit equally to all credit worthy customers. I'd say I fit that description - and they must have agreed because they issued a card! What really bugs me though is that they couldn't have just asked me if I had been XXXX  XXXX  XXXX XXXX  during the screening process. I would have answered honestly and they could have denied me then - without ever having to run my credit. Instead, they do a hard inquiry ( which now I'm stuck with for 2 years ) and then turn around and close the account - which lowers my overall credit. so it hurt my score in 2 ways when a simple question could have avoided this whole situation. If this is their policy is should be advertised and asked about in the screening process. I also feel like, according to their own rules ( of being deemed credit worthy ), they should have to keep the account open - as long as I didn't fall behind or wasn't using it, or whatever reason would be sufficient cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've be had this account since XXXX. I've made on time payments, they took it up themselves too give my information to another creditor, all because of late payments. The original creditor is XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Iam 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 Navy Federal 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.
Product: Debt collection

A/R Concepts, Inc. has listed an amount owed to XXXX XXXX XXXX XXXX ( original creditor ) in the amount of {$160.00}. To date, I have been unaware of this outstanding debt nor that it was listed under collections on my credit report. A/R Concepts never provided me with a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last month. They removed the accounts, however the collection agency then changed names and re reported them.