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

My husband and I have been with Chase bank a few years. I admit we have had some overdrafts but when my husband lost his job and we longer had his direct deposits things crumbled before we knew it we probably owed hundreds if not thousands in overdraft fees. To top it off when we got our stimulus it put our account in the positive because we had around {$900.00} overdrawn. Then they credited us {$700.00} but then took it out again a month later. We did not receive any letter or correspondence on what we get were doing. Thankfully we didnt overdraft again but i promise you that was there plan. I do not remember signing anything to opt in to overdraft protection. Please take a look into this no telling how much money they have made of of us.
Product: Checking or savings account

On XX/XX/2024 I attempted to open a Citi checking account. I was denied and told I'd receive a letter in the mail. I received the letter on XX/XX/2024 ( file number XXXX ). The letter listed the reason as " unable to verify information ''. 

Thinking that I perhaps entered information incorrectly upon signing up, I tried again to open the account on XX/XX/2024. I received a denial again, so I called the phone number listed on the letter I received to get clarification about " unable to verify information '' and get a better understanding of what information was unable to be verified. The person I spoke with was unable to provide me with any additional information. 

On both XX/XX/XXXX and XX/XX/XXXX after attempting to apply for an account, I received a notice from " XXXX XXXX XXXX '', a service I have set up to monitor credit inquiries that a lender ( presumably Citi ) attempted to verify my identity. Because of the timing of these notices, I believe these to be requests from Citi. 

Because this is an adverse action that I believe to be based on a credit report, I expected the letter I received to list the specific reason for the action, and also inform me of my rights to receive a copy of the report that the decision was based on. The letter did not contain this information and the agent I spoke to was unable to give me any further information. Because of that, I do not know whether your descission was based on potential inaccuracies in my report.
Product: Checking or savings account

I closed a saving account on XX/XX/XXXX. I was supposed to get the check for the closed account. I have still not received the check. I called USAA daily for the past XXXX weeks inquiring the status of the my check. I was told regularly to wait another day or two for the mail. I finally spoke to someone on XX/XX/XXXX that went to page XXXX and discovered that the savings account check had never been printed. He didn't know why it had not been printed but it had not. I have been on the phone with different representatives for weeks and still no check. They tell me they will call me back and never do. I just want my money so I can be done with USAA. The amount of neglect I have endured these past few months is insane. No one should have to go through what I have gone through with a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a request to all three Bureaus - XXXX, XXXX  and XXXX  reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account CITI Account Number : XXXX Please investigate and delete from my credit report.
Product: Mortgage

1. When I agreed to the SAM mortgage change there were many months of payments being held in a suspense account. I was told by Ocwen 's agent that those payments would be credited to the account and to the mortgage balance. The mortgage balance at the time was approximately 140k. The new amount was over 150k because they were charging me for the money they had in suspense. It was never corrected. The real SAM mortgage balance should have been the app.140k minus the principal amounts in the suspense account, minus the mortgage forgiveness. 

2. I last had to turn to the CFPB for help with inaccuracies in my escrow account. At that time the agent from Ocwen informed me due to earlier corrections in my account that I was a payment ahead. We agreed that I wanted that it to remain that I was a payment ahead. Now, I see that I am not a payment ahead, have not missed a payment and want to know where that payment went.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have not authorized XXXX  to give my information to these companies ; MIDLAND CREDIT MANAGEMENT LLC and XXXX XXXX XXXX XXXX. This is illegal. 

I have not authorize or gave consent for XXXX XXXX  to run my credit
Product: Credit reporting or other personal consumer reports

I had a payment plan through XXXX with the merchant XXXX XXXX. The loan was supposed to be adjusted due to a return I made to the merchant. I notified XXXX that I contacted XXXX XXXX in regards to getting the loan adjusted. XXXX XXXX was unresponsive for about a month. 

I solely paid all XXXX payments on time, so that my credit would not get effected. I then issued a charge back with my bank for the last payment on the loan for the amount of {$150.00}. That was the amount that needed to be taken off of the loan in regards to the return I made. In XXXXXXXX XXXX system it shows that I did not make the last payment. I was only intending to be properly compensated. I have an email confirmation confirming the last payment being made for this loan. 

XXXX XXXX reached out to me issuing the refund back and when I went to pay the last payment once more there was not an option to do so via the XXXX XXXX. The loan showed that it was all squared away on the App. I then received an email about a late payment again and I paid the final payment. 

I will attach supporting screenshots of emails with dates to help identify in a timely manner.
Product: Debt collection

I gave proper notice in 2015 to notify my apartment complex of my moving out. I found out years later when I tried to rent another apartment that XXXX XXXX XXXX put me in collections for XXXX! Even though I gave them written notice 60 days in advance. So now im a single mom, trying to get my life together, and XXXX. My son and I got denied for an apartment and literally have no place to live. I am a hard working good person trying to make life better for my son. This is an unwarranted ridiculous, 5 year old debt which is the ONLY thing stopping me from renting an apartment. The property, XXXX XXXX has no record of my debt, Ive called several times just to verify.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/year> Reference # XXXX Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XXXX # XXXX
Product: Checking or savings account

I reported my phone and chime and XXXX XXXX being stolen and hacked i let chime know what was going on since I bank with them chime responded to my transaction dispute and XXXX hours n denied it promptly I explained and pleaded sent more information chime claimed they escalated my issue n someone would call me no one called not a soul but everyone messaged me I have several run around messaged and promises they were not concerned or helpful at all no one cared no one I told them I was confused and I felt discriminated against no one called the next day they denied my claim I said I would get a police report they denied it and said not enough information and pushed me off as if this never happened to me I never had someone steal and use my money as if it was me and I never have a company not care let alone message n show it in proof
Product: Mortgage

I applied for a refinance to lower my rate with Better mortgage and had issues with the appraisal. The person that came to my home to take photos and measurements was not the appraiser. He told me he was a realtor he just goes to houses to take photos and measurements and passes it along to appraiser who will complete the appraisal. Not only did appraiser not go to my home he used comps that was old it was the same comps used from when I purchased the home. The result was value coming in very low and loan being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

For whatever reason my scores are so much lower with XXXX than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. Lake View XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.
Product: Checking or savings account

I spoke with Customer support about my issues and they were never resolved.
Product: Debt collection

Today I was checking my credit score and it showed a drop of 30 point on XXXX and upon checking I found some collection agency named AFNI opened a collection account on behalf of XXXX amounting to {$120.00}. I dont owe any amount to XXXX nor to this collection Agency.
Product: Money transfer, virtual currency, or money service

my account was closed for volating its policies. I asked what policies did i break that informed me they have no other information. The money that is in my crypto wallet was money that i had been using from my direct deposit from my employer to use as a savingings i have XXXX dollars in it and i can not get it out. They just keep gibing me the run around and saying the exact same thing or giving me the address to the directions on how to sell it but i do not have the option it says I cant do anything and when i tell them this they say well we have no other information on this. i have talked to support and to everyone no answer this is a nightmare
Product: Credit reporting or other personal consumer reports

There is a corporate account on my consumer report that I did not agree to be liable for. In return this account has been reported onto my consumer report. Under the FCRA, this is a violation of my consumer rights pertaining to what I agree to be allowed onto my consumer report. It is also reporting a late payment when the payment was drafted from my account. 

The following account is what should not be reported onto my consumer report : JPMCB Card - Opened XX/XX/year>
Product: Credit card or prepaid card

Due to the COVID-19 pandemic many air travel tickets were cancelled or changed departure, arrival time as well as routs. I cancelled our purchased tickets for XXXX vacation what we purchased last year ( prior to pandemic ). First my credit card issued a refund but recently they reversed the tickets charge back due to the airlines replied to the dispute that the tickets are non refundable. However being a long time air traveler I know that there is a customer protection law that if an airline changes departure / arrival time for more than 15 min, customers have the right to cancel the purchased tickets and get reimbursement for money paid. I was able to contact XXXX XXXX reps who promised to issue a credit for the flights purchased. However I can not contact XXXX XXXX XXXX. 
XXXX XXXX XXXX  changed our time and flight rout but there is no way to contact them as they cancelled USA customer service ( ph # XXXX ) and I do not know Portuguese to call their XXXX office. If I log on their web site with our booking # XXXX there are our names only but no any tickets associated with the flights we purchased because flights were cancelled but new routs / tickets were not offered. I reported all of this to the Citi Creit Cards dispute department. Yet Citi card reversed the charge in XXXX XXXX XXXX favor so I do not have tickets or money pair for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I put in a dispute with Experian for a removal of a public bankruptcy record that they stated was verified through XXXX XXXX. 
However, I disputed the accuracy of the bankruptcy with XXXX XXXX on XX/XX/22 the dispute was not verified and removed from the report. 
I XXXX XXXX, consumer, and natural person, I am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : Bankruptcy Account NumberXXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2018 account number # XXXXXXXXXXXXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Debt collection

Hi, during my vacation in my sisters and parents place, I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My hospital bill amounted to XXXX, due to lack of money, I applied for government financial assistance. But a debt collector sends me a bill to my sister 's address in the US, where I stayed. I have no money to pay the bill and I'm already here in the XXXX. I already sent an email to them that my application for the financial assistance was still on process and request for them to allow my sister, who was living in XXXX, XXXX to speak and act on my behalf. But no response from them and my sister tried to contact them thru phone but she was not entertained because she was not me.
Product: Debt collection

Cedars Business services sent a debt collection letter for a debt that is not mine to my house -- received on XXXX. 

I sent a certified letter in response on XX/XX/XXXX, delivered XX/XX/XXXX -- delivery that is verifiable. 

In this letter, I requested by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Ohio. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

I did not receive any mail from Cedars Business Services in response. My letter was evidently ignored, and I considered the matter closed. Until today, XXXX. In this new letter it was again demanded of me to make payment on a debt that isn't mine. Furthermore, my previous letter ( contents mentioned above ) was ignored and I was not provided with the information I requested. 

I do not appreciate such tactics to collect a debt that isn't mine. Kindly remove me from your system and do not contact me again regarding this matter in the future. Thanks.
Product: Debt collection

Insurance paid {$1400.00} XX/XX/XXXX XXXX  dated XX/XX/XXXX states that I owe {$460.00} I paid {$460.00} on XX/XX/XXXX XXXX XXXX says claim is paid in full per State regulations Emergency Care Act Superior Ambulance of Ohio turned this into XXXX Debt Collecters I have emailed XXXX XXXX several times and they state the balance is due. I have forwarded them copies of the Ohio law concerning balance billing and Out-of-network care reimbursement requirement but received no response. 

Then I received notification today from the debt collector
Product: Checking or savings account

Capital One did not give me access to my Direct Deposit funds from my employer
Product: Payday loan, title loan, personal loan, or advance loan

America first finance took two payments from my checking account. When the loan was made current. The amount was {$200.00} and XXXX.
Product: Credit reporting or other personal consumer reports

PayPal of Synchrony bank continue to report incorrect information. In XX/XX/year> they accepted a payment agreement with XXXX of XXXX. The amount submitted by XXXX or XXXX was {$81.00}, synchrony bank accepted this with a note that they wanted to chnage the amount. 

As per XXXX of XXXX that is the incorrect way to do it as its accepted in the system. Synchrony bank should have declined the proposal and submitted a new one. XXXX of XXXX said that Synchrony is aware of the correct way to ask for a payment change and the error was on their end as they accepted the proposal. Each month I made payment to XXXX of XXXX and it was made to Synchrony bank for the accepted proposal. Synchrony bank made the mistake. XXXX of XXXX contacted Synchrony bank, they realized what the error was and I was told I didnt need to pay the past due as it was Synchrony Bank error they were going I fix in their system. Synchrony did fix my credit report that month but didnt update their system. 

I have the correspondence between synchrony including proof they accepted the {$81.00} proposal, adding a note of different payment is not the correct way to do it, they had to decline the proposal. If this is not fixed on my credit report I will be contacting a consumer credit lawyer.
Product: Credit reporting or other personal consumer reports

I submitted documents the debt doesnt belong to me. I have never lived at XXXX XXXX