23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).
Product: Credit card or prepaid card

my name is XXXX XXXX and i was getting unemployment my about frozen i had XXXX dollars in my account it was around XXXX off 2021 then i went to prove my identity and they still told me that my money was gone and it didnt matter that i needed to take it up worth kentucky XXXX XXXX that they sent my money back so they closed my account now i cant get my money that i have to pay taxes on in the long run its caused me a lot of problems i lost my car my apartment its caused me allot of pain and suffering
Product: Checking or savings account

Citi bank has closed my checking account. I deposited two checks into that account that belonged to a friend. She was paying me a debt with those checks. They sent a letter saying that they were going to send me a check with the money in the account, but it's been 90 days and they haven't sent any money. Citi bank says that the checks were not in my name, that they were in my friend 's name. I need my money because they deducted the money from her account, meaning that Citi bank has the money.
Product: Debt collection

This agency -has no license in NYS -statue of limitation run out -reporting inaccurate information to credit bureaus -refused to provide a ownership of alleged debt -refused to correct their action
Product: Credit reporting or other personal consumer reports

I just looked at my reporting and I saw that I have a late payment on XX/XX/XXXX and XX/XX/XXXX. However, they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem in XXXX but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This is a violation of my federal right. Can you help with this matter? Thank you.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX Transfer No R XXXX I sent {$570.00} on XX/XX/2020 Still I didnt get deposited to my account. I called them couple of times but they didnt pick up the phone. There is no customer, chats and Email Services is available at all. I want my money back from Remitly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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

In accordance with the fair credit reporting act XXXX account # XXXX account # XXXX account # XXXX account # XXXX has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

Late payments are being report on my credit report when I paid the company and their was an errror on their.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was awarded XXXX in XXXX of 2020 and XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.
Product: Mortgage

I have a mortgage account with Mr. Cooper. This is the 5th time I am complaining to CFPB about the same issue : 1. First, Mr. Cooper took away my online amortization schedule from my account.

2. Then I need to request and wait for days/weeks to get the wrong one.

Today I chatted with XXXX  who is shamelessly telling me to call Escalations. When i called escalations, the agent doesn't understand anything. Agent 's supervisor ( XXXX  ) is not capable enough and she is stating that this is a recast. I explained to her and corrected her.

Very inefficient company and very poor quality of work. Two of the employees of Mr Cooper live in my neighborhood. Since the pandemic, they are not doing any work. Both on H-1B visa. Mr. Cooper hires bad quality and cheap resources which impacts customers adversely.
Product: Mortgage

On Friday XX/XX/XXXX I requested a payoff letter from Select Portfolio Services ( SPS ) to give to my lender for an approved refinancing of the loan I have with SPS. I did this on line to have it sent electronically to me. It was confirmed. I called 2 days later only to have them tell me that request was cancelled in their system. I was told it was reinstated and would take 24-48 hours. I called 2 days later and was then told they see it in their system but nothing has been done. It is now XX/XX/21 I have called and spoke with 5 different representatives and they keep telling me 24-48 hours. Their refusal to give me this simple payoff letter in a timely fashion is jeopardizing my financial well being and the closing of my refinance. I have only spoken with one agent there that seems to have any knowledge of their job. No one has helped me and I have gotten no hands on assistance only robotic programmed answers read from a computer screen. I am contemplating legal action if my refinance is ruined because of this.
Product: Credit reporting or other personal consumer reports

My account with ( 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 ( MONTHS REPORTING LATE ) 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. 

( XXXXXXXX XXXX XXXXXXXX ) 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: Credit reporting or other personal consumer reports

Dispute 1 : Charge Off listed repeatedly In XX/XX/XXXX, Ally issued a charge off for the debt associated with this account. I was not contacted until XX/XX/XXXX. That being said, I was not notified that the account had issues brewing for several months since XX/XX/XXXX. Additionally, this account was not on my credit report until the charge off occurred in XX/XX/XXXX giving me no awareness or opportunity to remedy. 

In the XX/XX/XXXX phone call from Ally Financial, I learned that all communication and phone calls were with XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX ( registered to do business in Virginia ) In XX/XX/XXXX, Ally Financial recovered the vehicle for which the loan was taken out. The vehicle was not in my possession and was taken from my ex-husband. Ally continued to report a derogatory mark for an additional three ( 3 ) months despite already having written off the debt on their accounts and being in possession of the vehicle. My credit report also indicates that the account was closed in XX/XX/XXXX. I called the institution in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. I explained on the phone call that the vehicle was purchased by XXXX XXXX XXXX XXXX, XXXX. That vehicle was purchased for business use by XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX had been responsible for all payments and the payments were not under my review or authority as I was not an operator of the business. Each time I called, including XX/XX/XXXX, the institution tried to get me to repurchase the car. To which I indicated that I could not do so. 

I am disputing that the furnisher has repeatedly reported for several months a charge off AFTER this initial reporting of such. I am asking that you remove the multiple indications. Per the Consumer Financial Protection Bureau, the information should not be listed multiple times after the furnisher writes off or charges off the debt. 

Dispute 2 : Removal of account When I spoke with the Ally agent in XXXX of XXXX, I told him about a court order that indemnifies me from the debt and asked how I might get a copy to the office. He again asked if I wanted to purchase the car back to which I said no. Then he told me there is no point of sending the court order document and that Ally would not do anything with the information. 

I am disputing this account in its entirety. I am requesting the removal of the account from my credit report per court order ( enclosed ) of XXXX XXXX XXXX, VA. The courts find that XXXX XXXX was solely responsible for the misappropriation of this debt and failure to pay as the CEO and only operator of the business. The business is ordered to be dissolved and I am to be indemnified from all past and future debts associated with XXXX XXXX XXXX XXXX, XXXX. 


I have attached a copy of several documents with regard to this dispute : Copy of my credit report pulled on XX/XX/XXXX with the account and dates in question circled. 
The XX/XX/XXXX letter from Ally Financial A full copy of the court order from XXXX XXXX XXXX, Virginia
Product: Debt collection

I have re ceived 25 cal ls this and different family members as well received them.   The debt collector by the name of  XXXX   XXXX  and her co conspiracy has called my family and me saying the they are going to lock me up if I do n't pay an owe dept.    XXXX   XXXX    stAted they where a law firm by the name  of Empire a ssess management. Company. Well I asked for the lead  Attonerny nam e and bar number., he said that is private information.   He gave the address of the office  XXXX   XXXX   XXXX   XXXX  New York.    XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX   )   XXXX   XXXX  the agent made a theat to come harm me if I do n't send the money  by    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX$320.00} XXXXXXXX XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 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

XXXX, TransUnion, XXXX were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.
Product: Checking or savings account

On XX/XX/2020, I was awoken to my XXXX and email being hacked. Hours later my Robinhood account was hacked. I noticed approximately 30 minutes afterwards that my stocks were being sold. After trying to log into my Robinhood account, I was unable to. I tried resetting the password without any prevails. I contacted Robinhood and am waiting for a response. 

I had around {$1200.00} in the account as of yesterday ( XX/XX/2020 ).
Product: Checking or savings account

Subject : Complaint Regarding Chase Banks Refusal to Process Valid Dispute Dear Sir/Madam, I am writing to file a formal complaint regarding Chase Banks handling of a credit card dispute I filed. I had booked a weekend getaway for XXXX XXXX XXXX through the official booking service on XX/XX/year> to XXXX  XXXX XXXX to XX/XX/year> booking number XXXX. Unfortunately, I became ill and had to cancel my trip. I contacted the XXXX XXXX  booking service on XX/XX/year>, and I spoke to a representative named XXXX, who assured me that my reservation would be refunded to my credit card. XXXX also sent me an email confirming the cancellation and refund ( please see the attached copy of this communication ). 

Weeks went by, and I did not receive the refund on my credit card. I contacted the hotel again, only to be told that I should file a dispute directly with my credit card company, Chase Bank. I did as instructed and submitted my dispute, along with the confirmation email from the hotel. 

To my disappointment, Chase Bank has refused to proceed with the investigation or refund my money. I contacted the hotel again, but I was informed that XXXX is no longer with the company, and they are unable to assist me further. Now, my case is in limbo, with neither the hotel nor Chase Bank willing to take responsibility. 

Despite providing Chase with the hotels cancellation email as proof, they are still refusing to process my dispute. I find this completely unacceptable and would appreciate your help in rectifying this situation. 

I kindly ask the XXXX XXXX XXXX  to intervene and assist in resolving this matter, as I have made every effort to follow the proper channels, and I am still left without the refund I am owed. 

Thank you for your time and assistance.
Product: Mortgage

I closed with XXXX XXXX XXXX and they recommended WFG Lender Services of California as my title company, I agreed. 

I closed on XX/XX/22. I was due a refund on my escrow from WFG. 

they sent my refund to the wrong address, how does a title company and or lender have the address they are the title company for have it incorrect!? here we are XX/XX/22 and I still do not have my refund of my escrow overpayment. 

I called them today and they were completely unaware?! SO I *should* be getting a check via XXXX.. 

My complaint is how and why would this refund take over a month to get processed and what POOR communication these companies have.
Product: Credit reporting or other personal consumer reports

A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But Experian refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again to the accounts deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any contract with the account mentioned below ; Company : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding consistent issues with my credit file, which I have been experiencing since XXXX Despite my continuous efforts to resolve these issues by contacting Equifax numerous times, I have not received any meaningful resolution. This ongoing issue has significantly impacted my ability to obtain funding and secure credit, despite my efforts to rectify the problem. 

Also having Issues with XXXX not reporting accounts Details of the Issue : Issue Timeline : I first noticed discrepancies and errors in my credit file in XXXX Since then, I have been in regular communication with Equifax, providing all necessary documentation and following their required procedures to dispute and correct the inaccuracies. I have credit accounts that are not being shown to my file that are actively being reported. 

Nature of the XXXX : The issues with my credit file appear to involve incorrect data reporting, inaccurate credit scores, and unresolved disputes. Despite submitting all relevant documentation and making multiple requests for resolution, Equifax has failed to correct the errors and has not provided any updates on the status of my disputes. 
They have also reported to companies that I have no credit file Impact on My XXXX XXXX : These unresolved issues are having a serious and detrimental impact on my ability to obtain credit, secure loans, and pursue necessary financial opportunities. I have been unfairly denied credit and funding, despite my good financial standing, due to these persistent inaccuracies. 

Attempts at XXXX : I have made several attempts to contact Equifax via phone, email, and online forms to report and dispute the errors. I have provided them with the necessary information and documentation to correct my file. However, I have not received any updates or resolutions from Equifax, and the errors remain unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was reported that I had opened a new credit account, so the credit bureaus TransUnion and XXXX reduced my credit score by XXXX points. The account was actually opened in XXXX but I hadnt used it before because it is for emergencies. I first used the account at the beginning of XXXX. After I filed a dispute with TransUnion on the XXXX and XXXX they finally changed the info of the account to indicate that I have had it since XXXX and it has always been paid off. My credit score did not reflect the change though. There should be nothing else influencing this. My score is still XXXX points from where it was even though my credit report states there have been no changes from previous months. Either my score should return to its original number or I need an explanation for the decrease.
Product: Credit reporting or other personal consumer reports

I wanted my credit and XXXX score from Experian XXXX ( even though it is included free with my bank account ). I needed to provide my debit card info for a trial subscription. I sent an email to Experian 's customer support email that is provided informing Experian that I do not want to have a subscription and to cancel my account. 
Approximately an hour ago, Experian withdrew about {$25.00} from my bank account for a subscription that I clearly stated to Experian that I did not want I have called my bank and Experian.Experian does not have a customer support and/billing representative to speak with XXXX wasn't able to speak with anyone and Experian 's XXXX options did not describe or entail my charge to my bank.