23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My roommate has a couple of credit cards. At no point The Credit Bureaus have been provided with my social security number. I am listed as an authorized user on the crads. However, I NEVER gave them my social security number. They are providing information based on just my name. According to the FTC. The Credit Bureaus must have the the persons social security in order to report the information. I received a leller from XXXX of the credit bureaus trying to verify my personal information. I am not going to provide them with my personal information in order for them to clean up the illegal reporting that they are doing. I demand that they take the reporting off my credit report. It is affecting my income to credit ratio and negatively affect my FICO score. According to the FTC they must have full authorization from me to report and they do not have it. I did not provide Bank Of America my social security. therefore. The amount MUST be removed from my credit report. This will be the third issue I filed. The first XXXX was XXXX, The other XXXX was XXXX & XXXX Bank.
Product: Credit card

XXXX XXXX reported my credit card ending in XXXX as 30 days late for XXXX 2016. I made my payment using the app. They had just upgraded the app with new features. I added a new bank account and made my payment using the new app. They called me a few days later telling me that my payment was returned. I told them that this was not possible. I asked which account did they use they advised of my old bank account. I explained to them that I added a new account. I explained that it must have been an error with the app. I made a new payment and was assured that I would not have a problem. I just checked my credit and they reported me 30 days late. I plan to litagate this matter. I closed all of my accounts with them. The agent I spoke with tonight admitted that he could see the mistake, however after he spoke with a supervisor he came back and said he could no longer get the item corrected and that I had to do a dispute. His supervisor advised him that my account is reporting accurately.
Product: Vehicle loan or lease

I bought this vehicle for XXXX and prestige is who I got the loan from. I made 16 payments at XXXX a month. XX/XX/XXXX had 60 days to make first payment. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX lXXXX XXXX XXXX  for no reason of my fault. Have a case going with the XXXX about this situation. XXXX and XXXX was put on the back of my loan. XX/XX/XXXX XXXX XXXX and XXXX was behind. In XXXX I was put in there fresh start program and had till XXXX to make 6 payments and they would wipe any remaining balance. Made payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX days later they come repossessed my vehicle from the motel I was taking care of a friend who had XXXX  XXXX. So I called the next day to find out why they did that, when they put me in the program and never let me complete it. I think this is a breach of contract and I want all my money back. So they sell my car for XXXX and still say I owe them XXXX. All them payments I gave them was just money I should of just threw in the trash. Cuz nothing came off my loan, and all they did was XXXXXXXX XXXX XXXX. And come take my car that I paid hard earned money for. Why would you do that. I kept in contact daily with these people. At XXXXne point they said I owed XXXX way more then the vehicle was worth. Now there trying to collect money from me. When I don't owe you a dime. You owe me for screwing me over.
Product: Mortgage

I previously submitted a complaint dye to Caliber intentionally avoiding removing my PMI. I submitted a check along with paperwork that described improvements I had made on my home. Last time, there was no resolution. I decided to wait a few months and try again. I filled out the paper that Caliber sent and filled out the improvements made on my home ( again ). I also mailed in a check for BPO for the price that they had on the paper ( {$150.00} ). Now, once again, they are doing the same thing as last time. They have now sent me a statement saying I have to redo the paper and send a check for {$150.00}. There is nothing ethical about them intentionally avoiding my PMI deletion when I have done the steps asked multiple times. Every time I do what they ask, they change the steps I need to take. Yet again, they cashed my check.
Product: Checking or savings account

Wells Fargo would add random fees to my account and freeze my account sometimes as well back in XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue I have encountered with my closed accounts at Chase. I recently reached out to Chase to obtain confirmation documentation regarding the closure of these accounts, specifically to confirm that they were closed with a {$0.00} balance and to receive any records related to late payments or refunds that were applied.

Despite several attempts to contact customer service, I was informed that no confirmation paperwork could be provided, and I have been unable to obtain any proof of the account closure or the resolution of the issue. I was told that both accounts now show a {$0.00} balance, but no written confirmation has been given. 

This has created a situation where I am unable to dispute a late payment with credit bureaus or prove to potential lenders that the issue has been resolved, which is vital for my credit health. I kindly request that Chase provide written confirmation of the account closure and the {$0.00} balance.

I have made multiple efforts to resolve this matter through standard channels and now seek assistance to obtain the necessary documentation for my records
Product: Checking or savings account

On XX/XX/year> I tried to donate to my friend 's XXXX and my card was declined XXXX. I logged onto Wells Fargo app and noticed my funds were low! Then I noticed multiple transactions I did not make, authorize, nor verify. I tried to dispute the transactions online but was directed to call. When I called the lady told me it would take up to XXXX business days for the results. On XX/XX/year> I received a message saying there was no error. On XXXX XX/XX/year> I called the claims department to appeal that decision and the man I talked to said there was nothing he could do because the final decision was based on Wells Fargo investigative team. I asked how I could get in contact with them and he said he's not even aware of how to get in contact with them and if I wanted to close my account I need to call customer service or go directly into a branch. Let me add Wells Fargo sent me a new card WITHOUT my request! And an email saying my XXXX XXXX has been deactivated when I have NEVER owned an XXXX or created a digital wallet!
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes, with stating that They belong to You - VERIFIED. Transunion doesn't even perform a real investigation, ever, They just replicate their responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX : in The XXXX XXXX XXXX XXXX. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports! FCRA
Product: Vehicle loan or lease

I initially obtained a loan in XX/XX/XXXX for a car lease for a XXXX XXXX XXXX, I obtained a loan from XXXX XXXX XXXX XXXX XXXX, as of XXXX it was changed to XXXX. I am in Predatory loan and need help out ; I am XXXX upside down in this loan from XXXX they were going to report me to the credit agency for {$27.00} yes XXXX dollars. When you ask for extension, they put so much interest on the deferred payment plan. I don't think I will ever be done paying for this loan, Please Help.
Product: Debt collection

Phoenix Financial Services has contacted me multiple times a day from multiple different numbers. I blocked two of them yet still receive calls from Phoenix on other numbers. This is a form of harassment.
Product: Money transfer, virtual currency, or money service

I transferred {$2500.00} through Sigue on XX/XX/XXXX, XXXX but I did not get my money.
Product: Credit card or prepaid card

XX/XX/XXXX  - M y Milita ry   XXXX   direct  deposited into  my Rush Card account. On  XX/XX/XXXX  I logg ed on to check my balance and noticed transactions ( some pending, some completed ) that I did not recognize. I attempted to make contact with the company and resolve the issue. I could not determine the complete phone number of the merchant, so I contacted Rush card. I was unable to talk to a representative, just a recording that asked that I request a form be mailed out to me to report the fraud. I requested the form and then searched the internet and found a customer service email to report the unauthorized transactions ( emailed included ). The response was to call the  XXXX  number again. until I searched the internet and found an alternate customer service number. O n  XX/XX/XXXX , I  finally made contact with a rep, when I accessed my account to review the amount for the charge and the merchant, I discovered  XXXX  additional purchases totaling {$130.00}. The rep was unable to tell me how to resolve the issue, how to block the fraudulent charges or how to recover the money taken. I transferred my funds to another card and blocked access to my card. I contacted Rush card again on   XX/XX/XXXX   and was told by a rep that there have been  XXXX  additional charges that have been attempted to the card. Had I not taken personal steps to save my remaining funds, I would n't have any money left. It has been over 30 days and I have not received any communication or attempts to recoup the funds or replace my money taken by fraudulent means that I made the company aware of.
Product: Checking or savings account

I opened the checking account with Citizens bank in XX/XX/2023. At that moment, I was told by the Citizens Bank website that there's a welcome bounse if I open a new Citizens Bank checking account and receive at least XXXX direct deposit of {$500.00} or more within 60 days to earn a {$300.00} bonus. I met the requirement in XXXX XXXX then waiting until now. The bonus never credit to my account. After talking with Citizens bank for several times, they always say they're still investigating. I wait for 6 month and no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that don't belong to me. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}
Product: Mortgage

XXXX  - We purchase our home at XXXX XXXX XXXX, XXXX XXXX, CO, financing it with XXXX XXXX XXXX We register our mailing address with the mortgage company as XXXX XXXX XXXX, XXXX, CO XXXX. 

XX/XX/XXXX - We are informed our mortgage is sold to flagstar bank. 

XX/XX/XXXX - Payment for our XXXX mortgage payment ( principal + interest ) is received by flagstar. flagstar refuses to accept payment, although we are not aware of it at this time. 

XX/XX/XXXX - We receive usps mail at XXXX XXXX XXXX. notifying us that flagstar bank has purchased force placed insurance on our home. This is the first time we have received any correspondence from flagstar at this address. 

XX/XX/XXXX - I speak with agent at flagstar bank by phone. I inform her we never received notice of flagstars intent to place force based insurance on our home. Had flagstar had inquired we could have easily provided proof of insurance with XXXX. 

XX/XX/XXXX - I submit a qualified written request ( QWR ) to flagstar informing the mortgage servicer that we had continuous insurance on the property since we closed on it in XX/XX/XXXX. I provide insurance policy information and contact details for XXXX. I request that flagstar refund and/or reverse all fees and charges related to the force place insurance policy pursuant to 12 CFR 1024.37 XX/XX/XXXX - I receive email response from flagstar stating, " Thank you! Your insurance information has been reviewed and updated using the details provided. No further action is required at this time. '' XX/XX/XXXX - I receive voicemail from flagstar stating I am delinquent in payment on my mortgage. I call flagstar and speak with with XXXX in flagstar insurance team. XXXX informs me that although escrow should be reversed at some point they will not accept my XX/XX/XXXX principal and interest payment because escrow payment for the force placed insurance must be paid first. In the meantime late fees have applied to my account due to the payment not being processed. XXXX informs me that my best course of action is to pay the outstanding $ XXXX escrow and late fee, and that it should eventually be refunded. XXXX admitted that flagstar has my mailing address on file but did not send mail to that address. I have an audio recording of this call. 

Here is my complaint : I never failed to keep up my side of the deal : We have made every mortgage payment on time. 
flagstar claims they sent inquires about our homeowner 's insurance via usps to an address they knew we do not receive mail at, then they claim they bought force placed insurance on the home because we didn't respond to mail we never received. 
After flagstar was notified of their problem and provided with documentation to clear up the erroneous escrow account, they continue to accept payment we made and they have in their possession, in the meantime assessing " late fees '' for payment they have in hand. 
flagstar is holding the threat of damage to my credit over my head, demanding payments for late fees and escrow I was never responsible for
Product: Credit reporting or other personal consumer reports

My account with 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 60 days to 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.

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 8
Product: Prepaid card

My card, number XXXX, has been declined at several online sites including XXXX XXXX, most recently. Currently, the remaining balance is {$30.00} to the best of my knowledge. Previously, the card was declined at other online retailers including XXXX, previously named .... At that time, the balance was higher with more than enough available credit. It appears the issuer, American Express, blocks transactions to prevent use of available credit, if any available. At this point. I request card closed out, balance refunded
Product: Mortgage

I submitted a complaint number XXXX account number XXXX. I was told they would remove the {$510.00}. I submitted the XXXX form as requested and Bank of America continued to charge me {$510.00}. Bank of America told me that they would remove said charges and have failed to keep there promise.
Product: Checking or savings account

XXXX - my XXXX matured with US Bank XXXX 

I contacted them to transfer funds. The customer service rep was difficult to deal with. She stated I needed to have my bank contact them to have my funds transferred to them. ( XXXX XXXX XXXX ) I gave my bank the required information, and they immediately submitted the required information. 

I heard nothing from US bank for weeks. On XXXX I contacted them to see why my funds were not transferred weeks ago. The customer service representative told me it was because my electronic signature with in the incorrect font. 

I contacted XXXX XXXX XXXX today to explain the problem. They have NEVER heard of such an issue. I used the default font in their edocument. 

XXXX XXXX XXXX is resubmitting the documentation. 

I personally signed this document. I am 100 % certain US Bank does not have my signature on file, so why would this be better? Or is it a disgruntled customer service representative looking to make my life difficult because I was super polite on a call???
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX and Transunion I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Mortgage

LOAN TRANSFERRED FROM XXXX XXXX XXXX XXXX XXXX XXXX BOTH WERE FAXED MULTIPLE TIMES AND ALWAYS EXCUSES MISSING PAPERWORK, XXXX APPROVED BUT NOT XXXX, THERE IS NO REASON FOR XXXX NOT BEING MODIFIED, ALONG WITH MISSED PAYMENT SPS DIDNT PAY THE HOMEINSURANCE THAT WAS IMPOUNDED WITH XXXX XXXX FROM LOAN! YOUR ERROR AND YOU SAY DIDNT GET IT PULL XXXX XXXX XXXX XXXX PAPERWORK I HAVE IT AND HAS BEEN IMPOUNDED SINCE, ALREADY FILED COMPLAINT WITH CALIFORNIA DEPARTMENT OF INSURANCE XXXX WILL JUST FILE IN FEDERAL COURT THIS WEEK
Product: Money transfer, virtual currency, or money service

Hello good day, My name is XXXX and this is my email XXXX I have been using PayPal for a while now bit I got baned for using my account for 180 days, now the 180 day has elapsed and I need to withdraw my funds to enable me arrange for my son 's XXXX but I am unable to withdraw from that account cause the card which was linked to my PayPal account was stolen during the XXXX wait so I had to deactivate the card to secure my funds and now they are not allowing me link another card to enable me withdraw the money in my balance.
Product: Credit reporting

Hi Good Morning, I have been disputing this XXXX XXXX account that is on my credit report for some time now. The account is inaccurate on my credit report. the account appears to have a balance and the account has been paid in full years ago. This has also been on my credit report since 2008. Equifax continues to ignore my request to have this removed, I have called the call center many times to just be but on hold ignored and transferred. I have sent in countless emails, letters and disputed this many times to no avail. This has impacted my credit tremendously. The account is to old to be on my credit and the account is reporting inaccurate information.This account has been paid. Please remove this off my credit report. Thank you for your valued time.
Product: Credit reporting or other personal consumer reports

So I sent a letter off on XXXX XXXX  t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. The following accounts DO NOT belong to me ; XXXX XXXX XXXX which shows last reported on XX/XX/year>., XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. I am requesting these accounts are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$18000.00} XXXX  XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Vehicle loan or lease

I walked into XXXX Honda on XX/XX/2020 with a approved loan with XXXX XXXX in the amount of {$50000.00}. When I sat to make the purchase I explained I didnt want my credit ran with no other company. I was assured by XXXX XXXX ( sales rep ) it would only be ran with XXXX and XXXX XXXX. Three days later I went online to check on my report to see XXXX XXXX and two days after that Honda America had ran my credit. I have a freeze so these companies would need to have me call in so that verification can be done for the credit report request. When I was contacted I denied the call although I still received the inquiries. I contacted these two banks only to be referred to the finance department of XXXX Honda XXXX so that they can submit the removal request. The manager said to me it wouldnt hurt and not to worry because my score would go back up in days and he apologize for sharing the information beyond my initial request. I was taken advantage of by this company then pushed aside because the deal was made. Even after finalizing the deal with XXXX XXXX another request for my report was made.