23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased membership tickets online. When I arrived XXXX in XXXX TX. I was informed by XXXX employeesthat they would not honor the membership since I purchased itto attend the XXXX XXXX TX location. I explained I was notinformed of this and that I thought I could use my membershipany where. The employee stated I only could utilize themembership after I go the designated location of themembership. Therefore, I just paid to get in the park. Thefollowing day attempted to utilize the membership at XXXX XXXX XXXX in XXXX TX. I discovered even if the membershiphad the correct location that is not a part of the membershipagreement. I explained that is the main reason for purchasingthe membership because the advertisement stated it was validat all XXXX including the XXXX XXXX. I emailed andcontacted XXXX membership several times and no one wasable to correct this issue. Therefore, I received a collectionnotice stating I allegedly owe a total of {$1000.00}.
Product: Checking or savings account

On XX/XX/XXXX went into SunTrust bank about fraud charges on my account so they opened a claim on them then on XX/XX/XXXX informed me they where researching them and waiting to hear from the merchant and no provisional credit would be given as this was a merchant dispute. On XX/XX/XXXX I sent the branch manager who helped a email with reg e details and she replied on XX/XX/XXXX saying it is a merchant dispute so reg e does not apply to the charges and I have to wait till they hear from the merchant. called there claims team and thats all they would say on the issue also is that reg e does not apply to this claim and nothing on the account would be corrected till they hear from the merchant we are now at the XX/XX/XXXX business day since filling the claim and nothing has been corrected.
Product: Bank account or service

SPECIAL REQUEST TO CFPB : CFPB FILINGS OF XXXX, US BANK IN XXXX XXXX, I WOULD LIKE TO LINK IN TO THE FOLLOWING PLEASE : XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. XXXX ID NUMBER XXXX. XXXX XXXX XXXX, MANAGER OF US BANK, ( XXXX CFPB Filings ) XXXX XXXX SHOULD BE NOTIFIED OF THIS XXXX FILE IN THIS INCORPORATION REQUEST. POSSIBLE PARTICIPATION OF XXXX COMMON ASSISTANT MANAGER EMPLOYEE, ( ACTIONS SIMILAR TO FILING XXXX, XXXX/XXXX/XXXX, a previous bank where US Bank Assistant Manager once believed to have worked ). 
Participating In A " BANDWAGON, '' BRINGING MILLIONS IN DAMAGES TO AN ESTATE AND OTHER BRINGDOWN EFFORTS WHILE ABUSING BANK AND BANK PRODUCTS. FACILITATION OF DETRIMENT AND DAMAGES, TO CAUSE FURTHER PREDICAMENT OF FUNDS BEING LOW THROUGH XXXX US BANK REASONS FOR CFPB FILING ACTIONS.
Product: Student loan

On Friday, XX/XX/2017, I made many attempts to contact the Navient 's Private Loan Department. When I called I was transferred to the Department of Education Department, where I was asked a verify information. When I asked to speak to someone in the private loan department they would transfer me, but the transfer never worked. Instead, I would get a dial tone. I called repeatedly with the same results. I spoke to about 12 different people regarding my Department of Education loans, but they were unable to transfer me or offer me help on how to move forward with my private loan.
Product: Credit card

This company has a credit of mine and wont close the account and send me my credit. They literally hang up on me when i call and i've left XXXX messages for a supervisor to call me and no one has called once.
Product: Checking or savings account

I had money taken from my account via my debit card, I caught it because i checked my account and I filled a fraudulent claim and on XXXX well fargo closed my claim dude to not finding any evidence in fraud. I had {$500.00} stolen from my account. The money that was stolen had links to then on my wells fargo app but they somehow vanished and are no longer visible on my wells fargo app summary
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.
Product: Credit reporting or other personal consumer reports

I see that there are a disparaging difference between the credit scores between transunion and XXXX on the TransUnion there are no XXXX payments all payments are on time and yet and still I remain in XXXX XXXX has me close to XXXX there are no remarks or outdated information related to unpaid bills so why my XXXX XXXX has not moved from XXXX toclose to XXXX as XXXX it appears that TransUnion does this on purpose to minority people in order to keep them from procuring loans for houses and cars and this is a discriminatory practice there was absolutely nothing on my credit report that prevents my credit score from going up only XXXX point this entire year I want a full investigation of who is in charge and why these things are hampering me from going forward and that the numbers XXXX from transunion and XXXX XXXX there is a large gap racism
Product: Credit reporting, credit repair services, or other personal consumer reports

M y credit score dro pped  XXXX  points from  XXXX  to  XXXX  due to an inadvertently missed payment of {$210.00} in  XXXX  of    2017  on  a Citibank credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unuse d credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of  the past due status but now it is reported on my credit report as late. As a result, my credit score drop ped significantly - over  XXXX  points - for  one missed payment. I never received a paper statement which would have allowed me to pay it on time.  I also never received any phone calls about it.
Product: Debt collection

A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. XXXX XXXX  Balance : {$190.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XXXX XXXX XXXX XXXX Balance : {$450.00} Account # XXXX Open : XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried several times to inform Wells Fargo that my identity was stolen, but they continue to deny my claim and report fraudulent information on my credit report. Being that I had a family member posing as ME in real life, I don't see why they keep telling me what they've verified despite me telling them WITH PROOF that I DID NOT DO THIS! If it isn't resolved as soon as possible, I will have to proceed with legal action.
Product: Credit reporting or other personal consumer reports

This complaint to USAA SAVINGS BANK for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

my information has been compromised and my information has been on the dark web for some years
Product: Debt collection

I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/1986 SS # : XXXX To Whom It May Concern : FILE NUMBER IS : XXXX XXXX XXXX PLEASE HELP I HAVE BEEN TRYING TO GET MY ONLINE CREDIT REPORT BUT THIS ARE ALWAYS ERRORS WHEN I CLICK ON CREDIT REPORT TAB AFTER I LOG IN THE SITE WONT ALLOW ME TO ACCESS MY CREDIT REPORT. WHEN I REQUEST I ALWAYS GET A MESSAGE STATING THERE IS AN ERROR RETRIEVING CREDIT REPORT. I EVEN TRIED CALLING IN TO RESOLVE AND STILL NOTHING WAS FIXED. THE FILE NUMBER IS : XXXX XXXX XXXX. I TALKED TO UNIVERSAL AGENT AND I WAS NOTIFIED THAT THIS WOULD BE FIXED AND IT WASNT. THE PROBLEM STILL EXIST. PLEASE FIX THIS.
Product: Student loan

XXXX Navient has accused me of being late on making payments, once in XX/XX/XXXX and again just this month for XX/XX/XXXX. In each case I have made payments for the amount owed, and each case Navient calls XXXX to XXXX times per day, they have sent letters, and I have spoken to XXXX sperate representatives. Navient reps. have told me it is against company policy to stop collection activities until they can update their system, even after I provided proof of payment. I have been receiving harassing phone calls many times a day for the past XXXX weeks, and I am told I would have to wait at least until the end of the month for the system to update. On top of the harassment, the amount I supposedly owe is XXXX and sometimes almost XXXX the amount I owed in the first place. Navient is harassing me and trying to collect on fraudulent fees and nonexistent past due payments.
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account owner Joint Account Original creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Paid Agency FAIR COLLECTIONS & OUTSOURCING Creditor Classification Rental/Leasing Status date XX/XX/XXXX Original amount owed {$2900.00} Balance date XX/XX/XXXX Date of last payment XX/XX/XXXX Date of first delinquency Balance owed {$0.00} Comments Consumer Disputes This Account Information Account Paid For Less Than Full Balance The account is showing up on XXXX, XXXX, and XXXX as Negative but " Paid '' the account should be removed from my credit reports
Product: Checking or savings account

On XX/XX/2023 Chime reached out to me via email asking for verification from me such as ID, proof of address. And a form to verify my monthly direct deposit. I sent it XX/XX/2023. I havent heard back from their support & review department since XX/XX/2023. I called everyday. No solution. I have over {$6000.00} in the bank. I cant pay my rent and bills without this money. All they can say is sorry and the can escalate this so I can get a response from their support team within 24 hours. Here we are XX/XX/2023 and theyre saying the same thing. Please assist my children and I may be facing eviction. 


Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Debt collection

My credit card was stolen and many purchases were made. I contact my bank and they refused to help me. They never investigated o reached out to the merchant for further information. I when ahead and got receipts from the merchant but they refused to give me further information. My banked never contacted the merchant. I been getting calls from Wells Fargo but they are fake agents. My credit score has been affected and its hard to deal with this. My information has been stolen. 

My bank has never
Product: Mortgage

Last year I refinanced my mortgage with the bank that was servicing it M & T Bank. M & T Bank had bought the servicing from XXXX. I was very careful to make sure the new account number got on the Bill Pay I use from my XXXX XXXX checking account. M & T claimed they did n't receive the very first payment after I refinanced. After many calls and submission of payment information I ended up in a XXXX way call with XXXX XXXX and M & T before M & T went back and found the problem. I was told the payment somehow got posted to an internal M & T checking account instead of my mortgage, which is why they could n't find it since they were only looking at the mortgage accounts. This has happened XXXX times in a row now. The way I have fixed it the last XXXX times was to call the lady at M & T who solved the problem the XXXX time. They are after me again for a payment I have already made calling me on a Saturday at XXXX. My fear is if I lose my contact at M & T ( the lady who cleared it up the first time ) I will have to deal with incompetent people who have no clue. It 's in my account record what has happened in the past. Does n't it seem logical that they, number 1 fix the problem so it ca n't happen again and 2 if it does happen again, check to see if the error just might be on their end?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please sse identity theft report attached. I have consistently, since the beginning of the year, disputed fraudeulent accounts of various amounts and duplicates upon duplicates, that are the results of identity theft on f the selling and reselling the fraudulent accounts on my credit profiles on all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles, anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX COLLECTIONS : XXXX XXXX  XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX EXPERIAN COLLECTIONS : XXXX XXXX  XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

XX/XX/XXXX, I voluntarily returned a XXXX Nissan Sentra to XXXX. After the car was returned and labeled as a voluntary repossession the car was then sold at auction and collection for the remaining balance was sent to me for payment. 
Some time passed and no payments were made toward the collection and the balance was sold to Investment Retrievers. Investment Retrievers attempted contact with me regarding payment on the debt. I did advise at the time I have been unemployed was unemployed and had no additional funds and was looking to file for bankruptcy. 
Additional time passed and I was served with a document and it was a notification that I was being sued by Investment Retrievers. I later received a notification of a judgement filed. 
Still not in contact with Investment Retrievers I later discovered that on XXXX XXXX, XXXX there was an attempt to withdraw {$11000.00} out of all my bank accounts with XXXX XXXX XXXX XXXX. This attempt was made on all three of my accounts for the same amounts and all are on hold leaving me no access to any funds to live. The only notification that I received was on Friday XXXX XXXX, XXXX that was a letter for a XXXX XXXX notice of garnishment. That is a violation of his privacy to have his private information and data be sent to me in error, I suppose. 
I believe that they have no right to garnish my assets and all holds should be removed. Nearly all debts I have are outstanding due to my financial situation so it was not intentional to not make a payment when able. The opportunity never arose to where I was in a position to do so. Also, had I been able to maintain the payments on the vehicle, I would have kept it, so there is surely no way I 'd be able to pay the total amount owed on the vehicle. The debt collection process was far too aggressive to even go as far as trying to retrieve funds out any bank account of mine. I did n't keep the property of XXXX, I volunteered it because I could not afford to pay any longer. 
Please see the attached documents of what I received from them regarding this garnishment that 's not applicable to the open case I have with Investment Retrievers.
Product: Mortgage

On approximately in XXXX the company I worked for went out of business, I was able to find employment with another company afterwards, but at lower salary. 

My wife was unable to work because of unexplained XXXX, ultimately leading to XXXX XXXX on XX/XX/XXXX causing further struggle 's. She is still unable to work as she is still suffering from XXXX. 

I made numerous attempts with the mortgage company after after falling behind on the payments by sending partials payments, attempted serval loan modifications. I sought the assistance of numerous intermediaries, without success.
Product: Credit card or prepaid card

In XX/XX/2022 Credit Karma sent me several pre-approved credit card offers. Two were for an XXXX credit card and one was for a XXXX XXXX card. I was denied after applying which is on my credit report and hurt my score.
Product: Consumer Loan

This complaint relates to a promotional balance on the Home Depot Credit card managed by Citibank. The promotional balance was {$550.00} at 0 % interest if paid within 6 months. I made large payments to achieve repayment of the promotional balance on a timely basis. This morning when scheduling my payment I noticed that the promotional balance had not gone down a single XXXX. According to the online website, consumers are required to specifically allocate payments to the promotional balance. In previous years, this was not the case. When I selected the option, the website indicated that only amounts above the minimum payment would be allocated to the promotional balance. If the minimum payment is {$72.00} and I pay {$100.00}, only {$28.00} would go toward the promotional balance. 
As this is the 3rd month in the 6 month period, it is impossible to pay the promotional balance incrementally. Therefore, the " promotional balance '' is in effect false advertising. The CFPB should investigate and sanction Citibank for this practice. It should be noted I make my monthly payments on time and over the minimum amount.
Product: Mortgage

I am working on an assumption with PHH Mortgage. It 's quite complicated, there are several different entities involved because it was not being processed properly previously. One of the recurrent problems is that they would not acknowledge that documents were sent to them. And they were not making the requirements known to both parties. On XXXX/XXXX/2015 an inquiry was made and their response was that I had not provided the documents. I corrected them and copied the VA regional office who is the final approval on the loan. I also asked that they make sure that the other party was aware of any requirements that he needed to fulfill. The following day the acknowledge receipt of the dcouments that they had then said that they had sent documents for the other parties signature to me. The documents that they sent me had no signature page for the other party and the instructions did not include sending to him. My instructions were to include a check for the required amount the notarized docs and send back. On XXXX when they said they had not received certain documents, it required a large amount of time and coordination for me to confirm that the documents had been in fact been sent to them. To make a long story short, they are making a relatively simple process very uncomfortable, they are not responsive. It has been the same XXXX individuals the whole process, XXXX XXXX and XXXX XXXX. I 've asked several times to have them removed and have the case handled by someone else and even though their previous assertions were proved wrong, documentation was lost, and the XXXX try was very unsatisfactory. We started again with the same individuals, and got the same result. We do n't have the documents, we told you to get signatures or documents from XXXX XXXX ... ... To get this process going I had to contact an attorney, a congressman and the VA Regional Office. Attached is the document they sent to me, with no dual signature requirement, initials, nothing. They did send out the other document to the other party but without acknowledging that it should have been sent out when mine was. Duplicitous is the best word to describe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove this inaccuracy from my report XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX amount {$890.00} XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$3000.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX  XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Product: Mortgage

I have been attempting to use the short sale option to sell for over a year now. Although I have been working with Chase bank providing any and all documentation requested of me in a timely fashion they are now going to foreclose due to a multitude of internal delays mainly caused by internal value disputes between the appraisal and BPOs, which is no fault of mine! I was told to list at {$58000.00} which forced them to deny the original offer of {$20000.00}. I finally received and submitted a new offer of {$35000.00}. However, since the appraisal was {$18000.00} and the BPO was {$40000.00} the variance was denied. They are going to foreclose in a few days, and they stated that since they are waiting on more values to come in there is nothing they can do ; even though I have good offer well over the official appraisal amount and within the FHA percentage for BPOs. The wo n't even postpone the foreclosure until they get their values back. PLEASE HELP!!