23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Credit card or prepaid card

Bluebird/Serve by American Express Complaint : On XX/XX/2021 I tried to find out information about why I was unable to use my prepaid card to make necessary purchases related to Hurricane Ida. When I called customer care, I received a recording saying that my account was permanently suspended and to call back to service my account and then the call disconnected. I thought that maybe it was because of the time of day so I tried the next morning. I called the morning of XX/XX/2021 and received the same recording and an email saying that I needed to send a letter. I tried calling again but since my phone number is associated with a " suspended account '', I was unable to get through ; there aren't any options for someone to simply speak with a representative. I had to call from my daughter 's phone and select prompts as if my card was lost/stolen in order to reach a representative. Once connected, I was transferred to Account Services who, after I was finished explaining the problem, told me that I needed to mail a letter to receive more information. I asked about how I was supposed have access to my funds and/or how will I receive the money in the account if all I could do was mail a letter. She kept telling me that she did not have that information and that I had to respond via mail. I asked to speak with a manager and she told me that the manager was going to tell me the same thing. How can this representative speak on what the manager will say when she is NOT the manager?! She placed me on hold and when she returned to the call she said that she could not connect me and to call back in an hour. When I tried to express the inconvenience this has caused me, she hung up the phone. I tried getting connected again and I believe the number in which I was calling from was blocked. 
I have had this account for years and have always used it in the same manner. This is a crucial time right now where Hurricane Ida affected the ability to return home. I had to spend money to stay at a hotel, buy food and other necessities. I was also out of work because there was no power and issues with running water in the area of Louisiana that I reside. This was the account where I have my federal refunds deposited and this is where I had my FEMA assistance sent. I received emails saying that the money was deposited but now, as mentioned in this complaint, I will not have access to the funds. The total amount is {$1500.00} in FEMA assistance and my Advanced Child Tax Credit of XXXX XXXX/month was also sent to this account. 

Customer Care ( XXXX ) XXXX or ( XXXX ) XXXX Account Services ( XXXX ) XXXX
Product: Debt collection

While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. 

In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.
Product: Mortgage

On XX/XX/XXXX shellpoint took money out of my escrow account to pay insurance on my mothers property. My name or social are not on her mortgage and hers are not on my mortgage. Not sure why the took this money out of my escrow as well as hers. They sent XXXX check to XXXX XXXX with the XXXX insurance policy number out of her escrow. And they send a check from my escrow to aaa for the same policy number to XXXX. The check to XXXX XXXX was sent back and cleared XX/XX/XXXX XXXX number is XXXX it was supposed to go back into my mothers escrow to be returned to me to fix my escrow they sent negative. I have spent several hours on the phone trying to fix this. They keep telling us the {$720.00} will be put back into my mothers escrow and sent back to replace and fix THIER mistake. This has to be illegal. They had no business taking money out of my escrow for insurance with a different address. The mailing address are the same but that is it.
Product: Debt collection

Someone has a capital one card credit in my name and has had it for some years now. Ive been a victim of identity theft for a few years now it had gotten so bad now the IRS has to send me a pin each year to file my taxes because someone had tried that wasnt me. I have a bankruptcy case scheduled in Delaware court in XXXX and I have NEVER lived in Delaware nor filed for bankruptcy i dont know who has my information but its making my life extra hard.
Product: Credit card

On about XX/XX/XXXX I scheduled a payment of {$1600.00} to my USAA credit card from my checking account also through USAA. This payment was due on XX/XX/XXXX. 

On about XX/XX/XXXX I pulled up that pending payment in the USAA app, and edited that payment to instead by {$1200.00}. 

On XX/XX/XXXX USAA debited my checking account for BOTH {$1600.00} AND {$1200.00}. 

On XX/XX/XXXX I called USAA to try to resolve the double payment and I was directed by that customer service agent to file a dispute with the checking account team to get that erroneous payment of {$1600.00} refunded. I was informed that this could be a 10 business day process for that refund to be put back in my checking account. 

On about XX/XX/XXXX my mortgage payment to XXXX XXXX  bounced due to the USAA error resulting in a late fee and bounce fee of {$100.00}. 

I called USAA customer support several times over the next couple weeks for an update, each time they said to wait for the 10 days. 

On XX/XX/XXXX, exactly 10 days later, I called in to learn that the checking account dispute was rejected. After discussing with THAT agent, they said that the first agent didnt follow the correct process, and instead I should have been routed to the credit card team to have them refund the payment. I was transferred to THAT department, and they began that process. I was informed, again, that this could take ANOTHER 10 business days. 

On XX/XX/XXXX, that refund was applied to my account 11 business days later. As a result of the first agents mistake, my mortgage account was reported as 30 days past due, and this caused my credit rating to drop by about 150 points. 

On about XX/XX/XXXX I called USAA asking for the process to 1 ) gain compensation for the {$100.00} late fee, as well as a letter acknowledging the bank errors so I could send to Freedom to try to dispute the late payment entry on my credit report. They escalated me to USAAs Member Response Team and again gave me a 10 business day resolution. 

On XX/XX/XXXX I called in to check and the agent I spoke to said they could see that the payment was approved and would be made to my account within the 10 days. 

After not seeing any communication or payment, I called in again on XXXX where I was informed that USAA believed I had made multiple payments and so there was no bank error and they would not be covering that late fee. They acknowledged that their agent did not handle my first call correctly but refused to accept responsibility for the first agent because they were not on the call so that first agent I spoke to on XX/XX/XXXX that did not follow their correct process wasted two weeks two weeks, that if they had routed my issue correctly, I would have been able to pay my mortgage within a month and not incurred the credit rating hit. 

This process took close to 20 hours of my time explaining my situation *time after time* to various reps. There were NUMEROUS times I was transferred to the wrong team, my call was disconnected, or the agent did not follow their correct process.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting

I came to the United States legally XX/XX/2016. I have a debit and savings account with XXXX. I applied for a credit card and XXXX refused my request. Experian 's credit report presents information that is not mine and is prior to my arrival to the country : many accounts appear in poor condition as well as accounts in good condition. I only have XXXX credit account with XXXX, which appears in the report and it is in good condition. I want to build my credit, I pay my unique account on time and completely, but this situation affects my whole family
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX   reportsXX/XX/XXXX, and Experian reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 
I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and TransUnion. 
XXXX. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An Unauthorized Inquiry was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Consumer Loan

I was late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the late fees are {$87.00} dollars per month. In XX/XX/XXXX I paid the balance and paid extra I have not been late since. The late fee was still showing in XX/XX/XXXX and I called and they said they would apply the over payment to the late fee. Why is the late fee still on my account? Why would n't it ever be applied to my account unless I call. Why are the late fees so much money? Why do I still owe my regular monthly car payment when I keep paying extra? The late fees are excessive and the way you have to call and waste time calling them to get your money applied to the late fee is ridiculous. Ally Auto Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.
Product: Credit card

This complaint is pertaining to a large " Travel Rewards '' redemention of approximately ( XXXX ) points that my husband XXXX XXXX XXXX and myself XXXX XXXX XXXX requested on XX/XX/XXXX from a phone call made to a " XXXX. '' XXXX, stated after giving her the appropriate banking account number, which XXXX has on file account ending in XXXX. She advised us that the payment of {$2700.00} would be deposited in our account within XXXX business days by XX/XX/XXXX. She told us if the funds don't hit the account to call back. On XX/XX/XXXX we called again and spoke to " XXXX '' who stated there was a problem with a " Fraud Alert '' on the account and that's why the funds had not been transfered. I told XXXX this was the first we heard of this problem and " NO ONE '' from the Fraud Department reached out to us. He reassured us that he will take care of the problem and funds would be deposited in the account ending in # XXXX within the next 3-4 days and we did confirm the account name and number with XXXX as XXXX. 

Calling back again today XX/XX/XXXX after speaking with both " XXXX XXXX '' and " XXXX XXXX '' both wanted me to explain the reason for my call again!! At this point totally losing my cool!! NO ONE with Chase knows whats going on with our complaint nor do they love to continue to " apologize! '' We just want the problem to be handled and rectified and want our Travel Rewards Redeemed to us as we have been waiting weeks for these funds!! 

How frustrating to say the least the handle their customers this way. We have had this credit card with Chase for 6 years... they have no common courtesy to call us nor send a letter explaining the delay. They are holding our Rewards Points hostage and have NO plans to send us our money within there guidelines of 3-4 days of redemention!!!!!
Product: Checking or savings account

I mailed checks to an associate for {$10000.00} on XX/XX/XXXX. XXXX the check was stolen from the mail and deposited on XX/XX/XXXX at a bank in XXXX XXXX XXXX NJ on XXXX XXXX. I filed all of the relevant reports and affidavits with the Bank ( PNC ) and local police. I filed the affidavit with the bank on XX/XX/XXXX along with the relevant police reports in XXXX, KY and XXXX XXXX NJ. I have called PNC several times since for about a month regarding this issue and they have yet to refund my account for the stolen amount. I have escalated this issue with PNC 's fraud and complaint division. Both were either unresponsive and or unhelpful. They told me i would have to wait up to 120 days for an issue like this to be resolved. In the meantime, they said they were not going to give me even a provisional credit for my account. I have had to do all of the followup with this including with police with several jurisdictions and PNC has not been able to assist with this issue or even give me information about this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT ED/XXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX  XXXX {$840.00} XXXX/XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$280.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX/XXXX   XXXX {$340.00} XXXX  XXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$4900.00} XXXX XXXX  XXXX {$740.00}
Product: Credit card

On XX/XX/2024, three fraudulent charges were made processed by Wells Fargo, through fraudulent activity discovered by XXXX. Each of the three charges were in the amount of {$4800.00}. The fraud was detected by XXXX, and stopped. However, Wells Fargo allowed the charges to be deducted from my account, putting my balance at XXXX XXXXXXXX. They also took all funds from my savings account, charged me a NSF fee and then charged my credit card {$920.00}. This credit card account was previously at {$0.00}. I have now been charged {$33.00} for INTEREST on a card that I PAID OFF AND HAD A {$0.00} balance! 

Wells Fargo has failed to provide an explanation as to how the fraud occurred, failed to acknowledge that they are in error and failed to rectify the issues with my accounts.
Product: Checking or savings account

We had XXXX payments being electronically sent to our accounts by a client who we have worked with for many years and never had an issue sending us payments to our other bank. We went to the branch and spoke with our banker who opened our account XXXX and she gave use the routing and account number. we sent this to our client and they made the XXXX payments for {$58000.00} and {$68000.00} when XXXX days passed our clients was asking us did we receive the payment and we did not we went to our bank and they said they did not receive the money after multiple days of pushing and calling and going to the branch then then said they did have the money but the routing number we used was for wires not ach and payments were sent ach so they are rejecting the payments which took XXXX more days to go back to our client they then gave us another routing number to use saying the original one is not from their bank yet when I go online it says the routing number is a fifth third bank routing number, and that routing number does accept XXXX transactions. No one on the phone or at the bank had anything to say and could not explain so the money went back to our clients after XXXX  days when it should have been XXXX and they repeated to send again with the now proper routing number provided by the banking center. Then another XXXX  days passed and no money we went ack to the branch and they are saying the routing number was again wrong and they can not issue us the funds. We are now waiting again for the money to get sent back to our client. Our client is quite upset and plans to not proceed doing business with us because of this consistent issue from fifth third bank that has been dragging these payments out for over a month with no resolve. They have no communication between back office an branches and are not truthful. This has damaged my business extensively and they say they have to follow the rules but the are literally changing the rules every time to accomadate holding over XXXX fro almost 30 days. I am a growing women owned minority business that has employees that need to get paid and clients that need services holding a payment like this is not right and then always changing the parameters to get the funds in our hands has cost me my largest client. This si not right because we followed the banks guidance every step of the way and after we do what they say then come back and say we can not give you your money because your sender sent it wrong. This is a very sketchy bank.