23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello, my name is XXXX XXXX my phone number is XXXX and email address is XXXXXXXXXXXX. 
First I would like to state that I have been a member with rushcard XXXX XX/XX/XXXX. On Monday XXXX XXXX they did a system update. i guess while updating there system a glitch happened. The glitch has left a lot of people unable to access there funds. i have not been able to access, y money sense the day of the update. i have not been able to put put gas in my car, pay for my child 's day care, get food and a number of other things. the most disappointing thing about it, when you call to speak with someone in regards to the issues, you cant speak with no one. I have waited on hold for hours and still the phone just hangs up. I am out of town working, with no family or anything so its really hard for me to get money. By the grace XXXX I have made it work for me adn my daughter who is XXXX years old. I have not been able to pay my car note or even the Insurance. I was subpoenaed to court XX/XX/XXXX XXXX and was n't able to make it to court because I could n't get a flight out of town, because I could n't get any money off my card. Now I have my finance company calling me about my car payment. I cant make a payment because I cant get my money. My car insurance is now canceled because I could n't pay the insurance. My daughter have n't been to day care because I have n't been able to pay. I cant get gas. I 'm also on probation, and have to pay probation fee 's XX/XX/XXXX or there will be a warrant for my arrest. This Rushcard system update has caused so many different problems. I just want to speak with someone to reassure me that everything is going to be okay. I have went days with out eating. I have went to a church to get food baskets and things like that. I have a XXXX year old daughter and I put her first always. Its getting cold XXXX, i cant even get her a coat to stay warm. I just need answers. 
Please can someone help me with this. i just need my money please. please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Equifax Credit report after being denied credit. I ; immediately, sent a letter to Equifax requesting for an investigation into several accounts, one being XXXX XXXX XXXX XXXX ( Account # XXXX ). Equifax returned a response that the account had been verified by the XXXX XXXX XXXX XXXX. I still noticed several inaccuracies with what was being reporting ( Payment History and Date of First Delinquency ), so I sent a second letter requesting a " Description of procedure '' used to verify the account according 15 U.S.C 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In generalIf,  after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation Equifax received my request for description of procedure used in, XX/XX/XXXX and XX/XX/XXXX ( See attachments ) & Equifax still has not provided me the my requested information within 15 days of receiving my letter 15. U.S.C 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description ) Currently, Equifax is still reporting violation and inaccurate information by reporting the account as such : Date closed XX/XX/XXXX, but Date of First delinquency is XX/XX/XXXX & Payment History reporting a different date than XX/XX/XXXX. This painting a false picture of my credit profile. And, by this the account is re-aged because the Date of First Delinquency is not reported correctly. This is the 3rd time I had to request a " Description of the Procedure '' Used to verify this account that is still being reported incorrectly. 


This is a violation of my consumer rights. 

15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report. ( emphasis added ) ). See 4.6.2 [ 4 ], infra.
Product: Credit reporting or other personal consumer reports

Problem with a company 's investigation into an existing problem
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter to all three credit reporting agencies with my current drivers license and utility bill to prove my identity and place of residence. I have both mailed and called Experian to address the matter, that the addresses they are reporting are inaccurate on my credit report, I have had no luck getting Experian to fix or update the address, they still continue to report addresses that do not belong to me.
Product: Vehicle loan or lease

I filed a complaint they respond and said they tired to work with me previously. I was not notified until my mother mentioned it to me that they were looking for payment in full on my car note. I still disagree with balance owing and need to set up payment arrangements. I am not comfortable setting up payment arrangements without a third party involved. I also did call to get payment history in XXXX never received until I got complaint back. also when I called in XXXX they stated that are additional fees being added. what additional fees and why? they stated that they tried to work with me and I did set up an arrangement a while ago but have not heard anything again until my mother mentioned it to me. therefore I do not agree that is trying work with me.
Product: Mortgage

I had a loan being serviced by Shellpoint from my XX/XX/year> closing. The incorrectly disbursed a tax payment of {$3800.00} to the county XX/XX/year>. They transferred my loan XX/XX/year> to XXXX. The money was never received by the county tax collector. It has been going on for weeks and. weeks with excuses as to me transferring my loan, and they are not able to help me. 

I finally got a print out from them an escrow refund of the amount. Then all of a sudden on XX/XX/XXXX, they claimed that they wired the money to XXXX. XXXX does not have this money. Ive been very patient. I am very polite. I have been very understanding. Of the on boarding process. I am in the business. 

They refuse to send me proof of wire confirmation. Did they send it to the county? They said they did yet no they never received it. Did they send it to XXXX? No they never received it either. 

I contacted them again and they send me a goodbye letter like bye-bye dont contact us again bye unacceptable!!!!! &! I want my {$3800.00}. They absolutely show no proof of sending the payment and they keep saying theyre dispersing it places but the bottom line is nobody has the money except for XXXX. 


I will continue to complain to anybody and every regulatory agency because this company STOLE my money. the bigger problem is had I not sold the house XX/XX/XXXX. They really didnt pay my taxes. I wouldve had a severe issue with the county right now had those taxes actually been due. Except the taxes were NEVER due because the balance was waived before they ever dispersed the payment based on the fact that the house was in trust I got a certificate of error. 

I just want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX-XXXX.

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed.

Account Number : XXXX Account Number : XXXX
Product: Credit card

I recently discovered that Chase Bank charged me over {$700.00} in interest on my unlimited credit card between XX/XX/XXXX and XX/XX/XXXX. I contacted Chase 's credit card customer service at XXXX XXXX  on XX/XX/XXXX to inquire about these charges. The representative informed me that the interest was accrued because I had only been making minimum autopayments, instead of full statement autopayments. They also mentioned that there were no interest fees in XXXX as part of a first-year promotion. However, I never received any notification or email from Chase informing me that I would be charged interest starting in XX/XX/XXXX. 

I noticed the interest charges in XX/XX/XXXX, each with different amounts, and I called customer service to ask for details about how the interest was calculated. I also inquired if they could waive part of the interest, considering this is my first Chase credit card, and I had not received any prior notification from them about these charges. Unfortunately, the customer service representative was dismissive, refused to explain how the interest was calculated, and rejected my request for more information on XX/XX/XXXX. 

I kindly request the CFPB to assist in this matter by contacting Chase Bank to discuss whether they can waive part of the interest.
Product: Debt collection

After repeated calls from a blocked number to a personal reference from my application, my brother answered the call. He was told by the agent that he should contact me to tell me that there were charges/complaints being charged against me for this account. Speaking to a third party about anything more than contact information is in violation of debt collection laws. I called the number and spoke with an agent. When I asked about the call to my brother they stated they could share any information they had with anyone.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which are found to be opened due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, I purchased {$31.00} of groceries with my Bank of America Debit Card. 
Someone stole both the PIN # I entered and my Debit Card without my knowledge. I didn't discover the loss till my wife asked me if I withdrew {$900.00} from our account. I said no and called Bank of America to report an unauthorized transaction on the Debit card. The agent for the bank said we needed to call back Monday and they would credit the account for $ XXXX turned out at least 2 other attempts were made to use the card but those were not successful. The agent I talked with from BOF at XXXX Texas said there would be an investing nation that would take about 30 days. I went to XXXX myself and asked if there might be a video to see who stole my Debit Card but he said only the Police could authorize that. He was not very helpful. I filled out a police report and sent it to BOA for their records.I received a letter denying my claim dated XX/XX/XXXX. It stated : Our research included the information you provided with your claim, your account history, the monthly account statements we sent you, and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. It goes on to say The credits for {$900.00} that was applied to your account will be removed on XX/XX/XXXX, along with any credits for fees related to this claim- You'll see the adjustments on your monthly statement. They were made aware in my letter to them That Federal Law states that if an unauthorized transaction is reported 2 days after discovery I am only responsible for {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Ford Motor Credit account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address TransUnion ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required.

The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
XXXX : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a new mortgage was funded ( with XXXX ), the homeowners insurance premium ( USAA ) was due on the XXXX. As a result, USAA received duplicate payments from the old and new escrow for the homeowners policy. When I signed into USAA on or around the XXXX, the homeowners policy overpayment showed as a credit to my account, which they had applied to my auto policy premium ( without telling me either time ). On or around the XXXX, I received a check for the original overpayment from USAA, perplexed, I signed in and discovered that the auto policy was now marked as past due, complete with a late fee, and possible derogatory mark to my credit. As USAA acts as a bank, home insurer and auto insurer, it is improper to retain and apply overpayments in this way, particularly without consumer input, as it has led to a mark on my credit and late fee when they decided to send the check instead.
Product: Credit reporting or other personal consumer reports

There is {$130000.00} in student loan debt on my credit report which is incorrect. I do not have {$130000.00} in student loan debt. The department of educationXXXX has student loan debt on my credit score for {$67000.00}. The department of education is also operating under another name WHICH IS MOHELA/Department of education and are now reporting on my credit report incorrectly and have attached another {$66000.00} in student loan debt onto my report but this is all incorrect. I believe that this is illegal because it is fraud. The department of education is trying to collect double the amount of only one debt that was owed.
Product: Checking or savings account

I had previously had a keybank account which was closed on XX/XX/XXXX. 

On XX/XX/XXXX I received a targeted bank bonus offer to my same email associated with my previous checking account- XXXX. The bonus offer was for {$300.00} bonus if I completed one {$1000.00} direct deposit. I was suspicious of the offer since I had an account 8-9 months ago and the fine print said one bank bonus per year. However, keybank had sent me this targeted offer so I had no reason to believe the offer wouldn't be honored. Since I was only a couple months away from being a year out from having an account with keybank I figured I qualified since keybank had sent the targeted offer to me directly with attached coupon code to the SAME email that had had an account previously. This was keybank 's error. 

On XX/XX/XXXX, I opened a keybank account due to receiving the targeted offer. My new bank account associated with card number : XXXX had the bank bonus offer code applied. On XX/XX/XXXX I fulfilled the direct deposit minimum having XXXX direct deposit from XXXX XXXX. Then again on XX/XX/XXXX I had yet another XXXX direct deposit payroll to the keybank account. According to keybank 's terms and conditions I should have the bonus of {$300.00} posted to my checking within 60 days of XX/XX/XXXX which would be XX/XX/XXXX. 

On XXXX I called keybank due to concerns I wasn't going to get the bonus within the promised timeframe as it has been 57 days as of today. The representative on the phone told me I do not qualify due to having an account within 12 months with keybank. I asked why then did keybank send me a TARGETED offer to my same email from the previous account for the bonus if I did not qualify. She didn't have a good reason and she actually proceeded to raise her voice at me and grow increasingly hostile and unprofessional. 

I am requesting keybank pay me the {$300.00} bonus within the 60 days promised that they owe seeing as how I have tied up XXXX in direct deposits with their account ( twice the amount required for the bonus ) AND due to the fact that Keybank is the one who made the error sending me a TARGETED offer for the bonus before I qualified as well as applying the coupon code to my account. Due to keybank 's error I will be ineligible for any keybank bonuses for 2 years instead of XXXX if I don't get paid the bonus. It was nearly a year out from my last account when I received this offer. I had no reason to believe I didn't qualify given Keybank 's error. I will be also submitting a compaint to the OCC until my {$300.00} bonus is paid. This is unacceptable, false advertising and fraudulent.
Product: Checking or savings account

I have a recently opened checking account with Citi Bank on XX/XX/XXXX. I tried to initiate my first XXXX transfer through Citi Bank on XX/XX/XXXX for {$500.00}, which ended up flagging my account and locking me out. I called their customer service and they said my account is now under review and there's nothing I can do right now. I provided them my social security number and last XXXX digits of my checking account number to verify my identity. This isn't right. I'm locked out from my own money for initiating a transfer.