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

I had the misfortune of having my account transferred without my consent to Cathay On XX/XX/XXXX, whose negligence is truly relentless. They sent me an ATM card instead of a debit card, which for no reason would not link to my account and could not be activated, but they were so negligent they didnt even realize what the error was. I wasted entire days trying to activate the card, and dealing with their customer service ; not only did they send the entirely wrong card, their system and agents had no idea it was the wrong card, what was happening and why, and I could not tell why it was not being registered. It was impossible to reach anyone at Cathay for hours on end because of their utterly faulty system ; when you did, they had no idea what they were talking about, and would only transfer you to a local branch. As I stated to them multiple times, I would be away the rest of XXXX ; even after it knew of its errors, the bank did nothing at all to expedite a replacement card, so I received a useless pin before I left and no card, still had no access to my account after a month, and had to make repeated last minute alternate arrangements to get money for my trips. I did not have any ATM access for almost two months because of their negligence. I can fully document all the calls I made, being on hold for hour after hour, day after day, my travel, my damages, and dozens of separate instances of Cathays negligence. It would take me three pages to outline it all, and the bank already knows of it and could not care less. This is an open and shut case of repeated gross negligence compounded endlessly by the banks transferring to me to local agents instead of anyone who could address the matter, and complete refusal to accept any responsibility for its negligence. Then, months later, I tried to find out if I need to set up a travel alert to use my AT card and what the fees would be, because, unlike any competent bank, that information is not available anywhere I looked on their website. I emailed their message system multiple times over 8 days without reply, and emailed XXXX XXXX, an alleged VP twice, and his response, without bothering to answer the question, was that he was forwarding my complaint to the legal department. I can not tell the incompetence from the animus and recalcitrance. Its astonishing they have a license to operate.
Product: Mortgage

I had an escrow account with my mortgage company Mr Cooper, they were late paying my XXXX taxes with the county of XXXX tax collector as a result a late fee was charged in the amount of {$690.00} by the tax collector which Mr Cooper eventually paid. I have never been late on my mortgage payment. Now Mr Cooper is attempting to bill me for the late fee being imposed by the tax collector, a mistake that Mr. Cooper made. Mr Cooper initially placed blame on the delinquency on my previous Mortgage servicer ( XXXX ) XXXX XXXX XXXX  but after XXXX did an audit, Mr. Cooper agreed the delinquency was cause by Mr. Cooper. This is an on going issue that has been going on since at least XX/XX/XXXXXXXX  with no real resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/XXXX
Product: Credit card

Synchrony Bank opened a credit card on behalf of Walmart without proper identification and authorization.
Product: Credit reporting or other personal consumer reports

On XXXX i sent XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of XXXX i have rights as a consumer that i chose to exercise.
Product: Checking or savings account

I created a XXXX savings account after reading about it on XXXX. Account creation goes smoothly. After the account is created, in order to link my bank they make 2 small deposits. That step goes without issues. At this point I'm able to transfer funds into my newly created account. This is also when the problem arises. I make a XXXX dollar test transfer to see how long it takes. No issues. I deposit XXXX. No issues. I setup my cable auto pay for my cable company. When the date comes around and the XXXX account gets pinged for the money, it gets " paid ''. A day later my XXXX account is credited with those funds and I get a call from my cable company notifying me of this issue. 

This is when things go south. I call XXXX to find out more information. I am told repeatedly that my account was frozen and in order to unfreeze I would need to send a copy of my bank statement ( the one linked to the XXXX account ). That seems like normal procedure until I heard the email address. XXXX. Now I'm super sketched and on high alert. 

I wanted to know why this was happening. What caused it. Was there security issues I needed to know about to prevent this from happening again. I was informed that he did not have the answer. If he did have the answer he would not be able to give it. I would not be able to speak to anyone with these answers. He could not tell me how long the process would take to " unfreeze '' my account. At this point, I completely regret opening this account. I realize that I would have to go through this convoluted process in order to " unfreeze '' my account so I could transfer my money out and leave XXXX. 

I tried paying a cable bill. That's how all this started. But let 's say it was for something important or life threatening. I was emailed confirmation my bank was linked to XXXX. With no warning from XXXX, and not until I tried to access my funds, did something actually happen. Even then it wasn't until I called and dug around that I found this out. 

Also had I not have called in to find out I needed to send my bank statement, I was not going to be informed about it. But they would have let me to continue to deposit money. Live chat through their website gave me a similar answer. Call this number ( the one I called before ) to solve your issues. 

I go on XXXX and do a quick search about XXXX accounts. Within seconds I find a crap-load of others in similar situations as mine. I guess a portion of the blame falls on myself as I should have done more research before opening this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the. fair credit reporting act XXXX  account # XXXX 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 : If also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX XXXX on my credit report that is not mine, it's a fraud account. I'm a victim of identity theft, so please help me to remove this fraudulent account from my credit report. 
The fraud account is the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have contacted XXXX XXXX, demanding that they report my account ( XXXX ) correctly with XXXX, TransUnion, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; XXXX is not reporting my monthly on-time payments correctly each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has changed my open date to XXXX, provide verification documents.
Product: Debt collection

I had no acknowledgement of this. Was giving a bill and forced to pay it makes no since. I orderd nothing used nothing. This matter was deemed dismissed see attachment. They realized it was wrong person wrong address not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to experian several times about XXXX XXXX XXXX. this account has disputed SEVERAL TIMES and each time, XXXX XXXX mail a letter saying dispute the item. Which I keep doing. Never have they sent verification so I have no clue how they keep veryfying with the credit bureau. please have experian delete this account asap. i have kept the letters along with the envelopes they have sent. XXXX and XXXX has already deleted these items and I need XXXX to do the same. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I called the company directly and asked them to validate the debt and provide the original purchase agreement for the debt, as is my right under the law. They could not provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage is showing a delinquent balance on my credit report. Showing 120 days past due. I dont have and never have had an account with Rocket Mortgage. I did inquire about a refi with them but did not follow through with obtaining a loan. Please help me get this removed from my credit report. 
Thank you.
Product: Payday loan

There is a loan on my credit for an account that I do n't own. I have asked the company several times over the past 5-6 months to remove it from my credit and they have n't. I 've sent in several documents including a police report I filed stating and proving this account is n't mine. This should be illegal for them to do this to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called XXXX XXXX customer service line to have my balance and close my account because I was transferring my balances to my XXXX XXXX. The Customer service representative gave me the amount of {$610.00} and told me that if they were any over payment they will send me a check. On XX/XX/2018 I paid the balance that I was informed {$610.00}. On XX/XX/2018 XXXX XXXX submitted a check of XXXX for the over payment ( I attached a picture of the check to this reclamation ). Recently I received a call that I owe money to the credit card company. I explained to over 5 different representatives my situation and they were very rude and didn't want to deal with the situation. Now they informed the credit bureau as they say I am delinquent. This situation is turning very stressful as they are affecting my credit and don't want to even check the proof that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three update letters to all three credit bureaus, which are XXXX Experian and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Product: Credit reporting or other personal consumer reports

I disputed the information for the inaccuracies of the Bankruptcy that TransUnion is reporting. I requested to be provided the steps taken to conduct the investigation and the company that allegedly verified this information. XX/XX/2023 was the date of the last dispute letter sent out to TransUnion, where they failed to provide any of the requested information. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by TransUnion which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. TransUnion claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcy on a file that they presently have associated with me.
Product: Credit card

I had applied for credit card for American Express on XX/XX/XXXXXX/XX/year> based on the new system that they offer of pre-qualified prior the application is completed, And was approved so I decided to complete the application the offer was receive XXXX points after spending {$8000.00} in the next 6 month ( I have meet the spending after 60 days ) when I check my account a few days ago I noticed that the points was not deposit i contact with amex over chat with rep and manager both didnt help 2 days ago they claim that the system reject and I explain them that I was checking prior to applay it's important to mention That Inever had this card and never receive that bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX and finance for an auto loan. I paid the account off for the remaining balance of {$1900.00} on XX/XX/2019. I recently had my credit pulled for a home loan and it shows on my credit report that I was 30 days late. I called XXXX XXXX to have the derogatory mark taken off my credit report and I was told that they don't handle disputes this way that I needed to write a letter a mail it in. I mentioned to them that I am in the process of getting a home loan and did not have the time to wait that long. They still refused to help me.
Product: Debt collection

First Financial Investment Fund V sued me without properly notifying, the only way I am hearing about this lawsuit is through a Bankruptcy attorney advertisement letter. 
15 U.S. Code 1692g ( d ) LEGAL PLEADINGS A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).

The Fifth Amendment of the U.S. Constitution contains a Due Process clause that states : No person shall be deprived of life, liberty, or property, without due process of law ; This law expressly prohibits courts from exercising personal jurisdiction over a defendant unless a defendant receives sufficient notice of the legal proceedings. Improper service violates the rules of civil procedure for Rule 4.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn Credit Corporation is report FALSE information to XXXX and possibly other credit monitoring agencies. I noticed Penn Credit just faced a class action lawsuit and I guess I am just another one of their victims. The amount owed is incorrect and I am currently paying on that amount. I have also applied for assistance with the debt as it is a life-sustaining right to have electricity in the desert of XXXX. I have asked Penn Credit to fix this issue multiple times but they do not do so. They should be held accountable for harming people 's credit during a global pandemic ... Not to mention profiting off the misery of other people, this is disgusting and inhumane.
Product: Debt collection

I Request that the collection Agency Validate the Debt according to 15 USC1692G XX/XX/year> Amount XXXX I sent a letter requesting the party to identify who they are and give full detail history, how they are certified to collect the amount owed they failed to comply
Product: Credit card or prepaid card

I opened a new account with Capital One on XX/XX/2020 and received an email that the card had shipped on XX/XX/2020. I have not received the credit card as of XX/XX/2020. My online banking account claims it was shipped on XX/XX/2020. When I called previously, they said it should take 7-10 business days from the shipping date which is long past. Though now when I call the automated service claims that no card is on file having been shipped. It is all very confusing. When I call Capital One to speak with a representative there is no one available to talk to and my call is dropped. They advise I use the online portal, which advises me to call a line which has dropped my call 5-7 times. I have been calling since Monday, XX/XX/2020. I am monitoring the account closely as I do not know if my mail was stolen. As of right now, Capital One does not have adequate staffing to deal with the Corona Virus Crisis. Additionally, I XXXX  at Capital One yesterday. 

The XXXX  is at this URL : https : XXXXXXXX XXXXXXXX As of Friday, XX/XX/2020, I have no received any response from them. This is unacceptable during a national crisis. Many are unemployed and customer service over the phone is a remote work job. I do not know when they are not able to keep their responsibilities to their customers during a national crisis. 

XXXX XXXX
Product: Credit card

In XXXX of 2023, my US bank credit card annual fee was set to renew. I had changed banks and not updated this credit card 's bank to withdraw from. 

Ultimately, this summer I fell ill with XXXX 's XXXX and was recently diagnosed. This XXXX is fatal if left untreated. I had no energy to deal with anything financial and was focused on trying to figure out what was wrong with my healthwise. 

I got an initial bill for {$49.00} dollars for my annual renewal past due. I contacted US bank and asked them to reverse the fees piling on top of it, which they did reverse XXXX XXXX dollars. The fees kept piling on and finally as of today, I had {$150.00} including the annual fee. 

I talked to 6-7 representatives and they told me they closed my account, but I still owed the {$150.00}. I asked how could I still need to pay an optional {$49.00} dollars if I can't even use the credit card. They told me I would have to reapply and that I would not receive my rewards that I had gained on the account. I had hundreds of dollars in rewards points on the account, and now I have no access to them and they are gone. I just have paid the {$150.00} as I did not want to affect my credit score.

I don't understand how US bank just received almost {$500.00} dollars in cash and rewards points and did not help me out at all. I would like to receive cash back for my rewards in my account they closed without my permission.
Product: Checking or savings account

I've tried all week to get my online account transitioned from SunTrust to Truist. I've been on hold for hours at a time ; had my calls disconnected ; been told that I'd receive a return call from two different account specialists... but never received the call ; was informed from one of their digital account specialists that many literally have not been trained in how to return a customer 's phone call ; and that my on line profile could not be viewed by your digital support team in order to ascertain why my on-line user ID and password credentials is not being recognized in their system. This has caused me significant hardship, which included an inability to use my quicken software.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Unauthorized Inquiries : 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/year>
Product: Debt collection

XX/XX/22 - Received a letter from Credit Management , LP to collect an alleged debt of {$260.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX under File number XXXX but this is not my debt and now my credit is negatively impacted by this false claim.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account with Navy Federal Credit Union. Despite having sufficient funds available at the time transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite the initial availability of funds. 

I believe these practices are unfair and request a thorough investigation into the transactions on my account to ensure that the fees assessed were appropriate and compliant with applicable regulations.