23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

citizen bank branch address XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ny XXXX # XXXX branch manager XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX The above is the account information I opened for my company at Citizen Bank, if you need to add! Please feel free to email me what I need to add! 

I have a total of one personal account and two corporate accounts under my name On XXXX day, I received a call to learn that there was something wrong with the check that the customer paid us. The next day I immediately went to find out the situation, I thought that after communicating with XXXX, I would find out the cause of the problem and then cooperate with him to solve the problem. 
Unfortunately, after communicating with the cheque payer, the other party has been using the reason that it is still processing, resulting in the problem being delayed. 
I'm sorry for this not very good problem during my time with them! 
mostaq froze all my accounts during this period, which indirectly led to the economic loss of my two companies and the loss of customers, which I can not pursue! 
What I can't tolerate are the checks ( ~ {$400000.00} ) and those " problem checks '' that arrive in my account. 
, including our online banking was frozen together, First of all, when I opened an account, the bank staff told me that the private account and the business account were two separate accounts. BUT WHEN THE PROBLEMS THAT THE BRANCH MANAGER CHOICE TO NO TRUSTING ME AND MY BUSINESS, I CALLED SERVRAL TIMES LOOKING FOR XXXX BUT I HAVENT RECIEVE ANY REPOND YET. 
SO I NEVER GET ACHANES TO SOLVE THE ISSUES UNTIL TODY ALL MY ACCOUTS HAS BEEN FROZES. 
I REALY SORRY ABOUT WHAT HAPPENED, AND I M VERY UPSET THE BRANCHH. AS A CONSUMER I PUT MY MONEY IN THE CITIZEN ALSO THE BRANCH STAFFS INCLUDES THE BRANCH MANAGER COMMUNITATE WITH ME WITH A BAD ATTITUDE. 
I FELT UNCOMFORTABLE
Product: Credit card or prepaid card

I Have a best buy store visa credit card, I purchase two XXXX television for a sum total of {$1500.00} each television was {$690.00} plus tax .When after seven days one of the television units stop working. I return the television unit seven days later and purchase a new television, however the new television that was purchase is not reflecting on my credit card statement and the difference is not being reflected either, the purpose for me writing this is because i tried contacting the store they state returns take up to thirty days, we are probably on day forty now and i would like my refund. The best buy in which this event took place was the best buy in XXXX  XXXX New York.
Product: Debt collection

I am writing to dispute and demand the immediate removal of inaccurate information from my credit report. Despite my efforts, the banks have been unable to provide supporting records. In a recent conversation, they verbally committed to rectifying the inaccuracies and removing the accounts from my credit file. 
Account Details in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which anted
ates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 Im TRYING TO BUY A HOUSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX delete the following inaccurate employers : XXXX  Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines COMENITY BANK XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

Since about mid XXXX, PayPal services have contacted me via phone, text or email several times a day every day regarding debt. I tried to pay it and they rejected my payment.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX XXXX  account was opened in my name, and is in Collections from XXXX XXXX XXXX for non payment
Product: Debt collection

I received a call from RS Clark at XXXXXXXX XXXX CST onXX/XX/XXXX. The caller identified herself as XXXX, I properly identified myself and asked her to stop calling me. She said she has to keep calling. I told her a 2nd time to stop calling and that it is my understanding that she has to stop calling. She said no she has to keep calling. I verified her name one more time and told her that I am filing a complaint. I do not want phone calls or letters. Its already on my credit. Please do not disturb me. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in regards to an incorrectly reported collections account on my credit report by the XXXX XXXX XXXX XXXX starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the XXXX XXXX XXXX XXXX to remove the items from my credit report but both the reporting agency and the XXXX   failed to remove it. I was pulling GI Bill benefits from the XXXX to go to school and then graduated in XX/XX/XXXX with no correspondence from the XXXX  in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling XXXX benefits once I graduated. My contact information with the school had been updated immediately and since the XXXX was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the XXXX  would remove it from my credit report. The XXXX nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the XXXX remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the XXXX for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the XXXX and money being taken away from my pay checks. I believe the XXXX  did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The XXXX is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of god remove this from my credit report. Thank you very much, for the third time.
Product: Mortgage

I called the phone number for Relationship Manager XXXX XXXX XXXX ( XXXX ) onXX/XX/XXXX at XXXX XXXX  XXXX to discuss the Early Intervention - Borrower Assistance letter dated XX/XX/2023 received by me. 

1. I informed her the link for instructions to complete a requested Mortgage Assistance Application ( " MAA '' ) to assess assistance options was not working ( XXXX ) and came back " Page Not Found ''. 
2. I informed her that I was unable to search for mortgage assistance using the Assistance Locator tool ( XXXX XXXX XXXX ). 
3. I informed her I was unable to start the MAA online for the above which appears to need me to register to submit online.

4. I informed her I was able to print a copy of the MAA.

5. She told me she would check the website.

6. She informed me she could mail me an application. I reminded her I was able to download a copy.

7. She informed me I was delinquent and asked why I could not pay.

8. I explained a tenant moved out, the house is uninhabitable, and I am unable to pay.

9. I told her the reason for my reaching out was to inform them I have a buyer for the property and sale is set to close soon.

10. I asked whether she checked the website link like she said she would.

11. She told me that since I can not access the website, she will have to mail an application. I again reminded her I have a copy but need assistance registering.

12. I asked again if she checked the website link.

13. She informed me it " may '' be down and that she will mail an application.

14. I stated either you did or you did not check the website link and asked did you check?

15. She stated the website is down.

16. I informed her that would have been nice to know when she checked rather than tell me I did not have access to the website and continually telling me she will mail me one.

17. I asked for her to repeat her name or ID # provided at the outset of the call. She hung up.
Product: Credit card or prepaid card

I received a notification from Chase 's fraud department through text XX/XX/XXXX at XXXX for a purchase made at an establishment in XXXX XXXX called XXXX XXXX XXXX for {$4400.00}. I had my credit card on hand and was working when this transaction went through. I immediately responded to this text as I did not make the purchase and couldn't physically be there as I was working, I also was not aware of this store in XXXX and it does not reflect my shopping habits. This {$4400.00} charge never appeared on my balance and thought this issue was resolved. 

However while going over my XXXX statement later they did approve two other transactions in the amounts of {$2800.00} and {$340.00} also at XXXX XXXX XXXX. I immediately disputed these charges over the phone, they were taken off of my account and I thought that was the end of it. 

I went through and saw on my XXXX statement that the charges reappeared, I once again called customer service and disputed this decision. I called and Chase decided that because I live and make frequent purchases in the area ( even though I disputed the other charge of {$4400.00} and there was no pushback on that dispute ) my purchase history doesn't reflect these types of transactions it was valid. 

I have been in contact with the business and they have been very sympathetic to my struggles with Chase. They told me unfortunately that these disputes largely fall on the credit card company so I have followed up with Chase at every turn. 

It is a Chase XXXX credit card. I replaced the card immediately after receiving the fraud alert over text message. I have no authorized users on my card, I was not in the area of the charge when it was made and my spending habits do not reflect this amount of money being spent. 

I am appealing this decision for the third time now with Chase but they are being dismissive of my eagerness to provide physical evidence to prove I could not of made the purchase in person as they say it was. I was told to file a police report in order to support my case which I intend on doing as I see this purchase and how Chase is treating it to be utterly untrue and disrespectful to myself as a consumer. 

I am not in a position financially to spend thousands on clothing, as I new homeowner I was also put through the XXXX  of this charge appearing again while my mortgage was in underwriting.
Product: Credit card

Capital one offers a rewards program called Capital One Offers for their Capital One - Venture One card. The show that if you follow a link to a vendors website and purchase items using your Capital One card they will reimburse a percentage of the cost which varies from vendor to vendor. I have done all the correct steps for multiple different purchases from vendors using their link but Capital One 's program does not work and they don't end up reimbursing a percentage. I followed up for XXXX offers from the vendor XXXX which Capital One manually corrected and gave me a reimbursement. I have noticed subsequent purchases have not resulted in a reimbursement or are they showing as going to be reimbursed on their " XXXXXXXX XXXX XXXX '' tracking platform. Their website is convoluted and hard to reconcile what reimbursements were give or what is going to be reimbursed all in an effort to confuse the consumer. The bottom line here is that they have a product that doesn't work correctly and their technology supporting it doesn't work either. They need to fix these issues before every trying to allow this as an option for customers. Please feel free to contact me for more information. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 DEPARTMENT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I 've been given the run around multiple times and even forced to pay extra than my already agreed upon set monthly amount. My account online still says it is past due but today Navient has told my that my account is current. 

After being disconnect multiple times, with what I think people not wanting to figure out what is wrong with my account, I finally got through to someone who told me that because I made a previous agreement that I am fine and my account will be current, but the website will not reflect what agreement is made over the phone. I feel like this is a huge act of deception and could cause people to overpay/ or cause financial problems to some. 

Even after being told that our account is current we continue to get calls from an automated line from Navient saying our loan is due to be paid. 

I am scared that late fees are being charged and I am not being told about them and that this cycle will continue. They also seem to misallocate my payment as each of my student loans gets a different amount each month. 

Obviously there is more problems going on but I am unable to type all of them out. This is from loans when I was at school at XXXX - XXXX.
Product: Debt collection

On XX/XX/2017, I received a letter from XXXX XXXX, XXXX, Fl XXXX saying that they sold an XXXX XXXX XXXX XXXX account to Portfolio Recovery Associates, LLC. This is the first time I learned to have an account with them. I live in XXXX  XXXX, XXXX and I never heard of a XXXX XXXX  before. 

On XX/XX/2017, I received a letter from Portfolio Recovery Associates, LLC. They want to help me resolve the issue. 

On XX/XX/2017, I wrote a letter to Portfolio Recovery Associates, LLC, explaining my concerns about the credit card issuer. 

On XX/XX/2017, the PRA Disputes Dept. said a review of documents related to the account in question was made. It said the documents were enclosed but I did not receive such documentation. 

Then, threatening phone calls followed. The collector 's agents used foul language to persuade me to pay. I was even told that they could damage my credit record if not pay as soon as possible. 

Because of my previous encounters with the collection agency, I ignored the issue and avoided their calls. 

On XX/XX/2017, I finally decided to submit a complaint to Federal Trade Commission, consumersentinel.gov with reference no. XXXX. 

To this date, that complaint remains unresolved. I am submitting this second complaint because Portfolio Recovery Associates, LLC has submitted another adverse issue to my credit report and has doubled the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   TransUnion or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit  bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Product: Debt collection

XXXX XXXX is a third party company that brought the debt from old navy. The old navy credit card limit was XXXX. This information was reported to XXXX and XXXX  and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, XXXX XXXX is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is 6 years old.
Product: Vehicle loan or lease

M & T auto finance used deceptive sales tactics and also broke rules upon repossession of car and not sending out notice of selling vehicle and defenciency balance owed.