23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. 

Horrible customer service who has absolutely no clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TransUnion LLC Consumer Dispute Center P.O. XXXX XXXX XXXX, PA XXXX Dear TransUnion, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my XXXX  credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX  and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest. 

I called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase. 

So the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest. 

Obviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.
Product: Debt collection

I never opened this account. This was opened under my name and reflects on my credit report, yet, this account does not belong to me. I've reached out to request a debt validation letter and I haven't received anything validating the debt.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my $ XXXX balance was paid down to {$14000.00}. This means the account balance is : {$14000.00}! Not XXXX that all the bureaus are reporting. Ive notified each of the credit bureaus and provided documentation from XXXX and XXXX  and STILL my credit report is showing XXXX in XXXX  loans. This needs to be updated accordingly. The credit bureaus have removed accounts, but neglected to update the balance! PLEASE DO YOUR JOB!!!!!! This is my second request. Next, we will be in the federal court asking a judge why my credit report is inaccurate and how I can be properly compensated for damages and incurred losses due to the negligence of XXXX, Experian, and XXXX.
Product: Debt collection

I went to XXXX XXXX  XXXX XXXX  hospital and XXXX California on XX/XX/2019. I have XXXX medical insurance but I still received a bill for {$920.00}. XXXX covers all of my medical expenses and the bill shouldve been applied to my XXXX insurance. Can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX.
Product: Mortgage

Hello, I refinanced my VA loan with PHH and closed XX/XX/XXXX. It has been over two months and I still have not received my escrow refund. They claim they sent a check out on XX/XX/XXXX after waiting for weeks, I contacted PHH in XX/XX/XXXX and they indicated they would send a replacement check on XX/XX/XXXX, after three weeks and still no check, I contacted PHH again and they blamed the USPS for me not receiving the check. On XX/XX/XXXX PPH told me to wait and see if the check arrived over the weekend and they would give me a call Monday, XX/XX/XXXX, to followup. I did not receive a followup call so I contacted PHH again and they informed me a request had been made to expedite the issue but it would take 7-10 business days before they knew anything. They told me to just wait and they will get back to me. It has been over two months since I refinanced my loan and still not receipt of my escrow refund. Every time I call PHH they tell me they are working to resolve the issue and it will be another 7-10 business days before they or I know anything. As a consumer, I have been taken for a ride and it appears I have no recourse nor any type of consumer advocacy to resolve the issue. I fear I may never receive my escrow refund after repeatedly being told to wait 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to a previous complaint. A debt collection company XXXX funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted Trans Union to dispute the debt due to XXXX being unable to provide an itemized notice of debt. Trans Union closed each dispute after XXXX said it was valid, still unable to produce any documentation with an itemized explanation of the debt. Trans Union then directed me here to complete a complaint. This was also just closed after XXXX responded with a letter, but still no itemized listed of the debt. Trans Union is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.
Product: Mortgage

We were supposed to close on the XXXX of XXXX but USAA kept making excuse as to why the closing had to be delayed. They would ask for More documents Almost everyday despite us providing all documents required for the loan. So the closing date was pushed to XX/XX/XXXX. And i do not believe they are honoring their contract by this date. No call or informing the title company of this action. They are breaching their contract with us. On XX/XX/XXXX they sent us the closing disclosure but since then no action has been made. They have made us pay for an appraisal, made us obtain wind, hail and homeowners insurance to be effective on XX/XX/XXXX.
Product: Debt collection

I have verbally and in written form, asked Navient to only contact myself regarding private student loans, and only on my personal phone number. I have sent a letter, via certified mail. Navient continues to harass my relatives, calling multiple times per day, calling numbers I have never provided, calling acquaintances of relatives.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC Report of Unauthorized Negative Information by Experian Dear Sir or Madam, I am writing to formally report that Experian has been reporting negative account information on my credit report without my written consent. I understand that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute information. 

Details of the situation are as follows : XXXX A XXXX Experian Report ID- XXXX On XX/XX/year> I discovered that Experian has reported negative information regarding XXXX XXXX XXXX account information. A settled account is considered a negative entry on on my credit report. I did not authorize this reporting to be placed on XXXX platform. 

I have attempted to contact Experian regarding this matter, but I have not received a satisfactory resolution. I am requesting your assistance in investigating this issue and ensuring that my rights as a consumer are upheld. 

I'm attaching a copy of my Experian report and a screenshot showing from XXXX website about settled accounts. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Reference : Prior Complaint # XXXX My numerous requests, to Resurgent Capital Services , to supply a single copy of the original document that contains either the last four digits of my social security number or the last four digits of my drivers license, has to date never been supplied. I recently received another correspondent, from Resurgent Capital Services, which contained the exact same document contained in every correspondent received. Resurgent Capital Services can not prove this is my account. Every company that supplies equipment in the XXXX XXXX  and beyond performs some level of credit check, as XXXX must have, and include that information in the customers file. However, Resurgent Capital Services can not or will not supply a copy of that original document. Also, as stated in my prior complaint, Resurgent Capital Services attempted to prove I was the owner of two different accounts ; this is definitely the sign of collection company scam. In addition, there were more than 15 families that shared the address on the ranch that Resurgent Capital Services claims is my account statement. This account could have belonged to any one of these employees, since Resurgent Capital Services first insisted that the account ending in # XXXX was mine and then now insisting that the account ending in # XXXX is mine also. Finally, Resurgent Capital Services has never supplied proof they are authorized to collect for LVNV Funding LLC, that they are licensed to collect debts in the state of Florida and their license number, no matter what the state issued. This is information I am entitled to and must be supplied to me, upon request. 

After speaking with an CFPB agent, on a recorded line, she diplomatically disclosed my legal entitlement to all of the information requested in the dispute letter to Resurgent Capital Services. It would appear LVNV Funding LLC purchased several XXXX debts and instructed Resurgent Capital Services to go on fishing expeditions to locate any person gullible enough to pay them, which could be defined as a classic debt collection scam.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX am, I mail my dispute letters to Equifax via certified mail ( Certified Mail Tracking Number # XXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters. They keep mailing me a balance statement with a breakdown without proof of my wet signature.
Product: Credit reporting or other personal consumer reports

I reached out to the bankruptcy court and asked them if they report information to consumer reporting agencies, and they informed me they do not. This bankruptcy is reporting on my credit reports and it is causing harm to me as a consumer.
Product: Credit reporting 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 Account Number : XXXX 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 and 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

The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX-XXXXXXXX-XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit 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 I contacted all of the creditors also the XXXX major credit bureaus XXXX, XXXX and TransUnion that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.
Product: Vehicle loan or lease

Payment was made on the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Regional acceptance charged a late fee of {$44.00} on XX/XX/XXXX and XX/XX/XXXX even though payment was made. They are also reporting incorrect information on my credit report. 
A renewal was completed on XX/XX/XXXX for payments of {$120.00} on the XXXX of the month. Which does not reflect on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth
Product: Credit card

My 5th 3rd Credit Card increased its bank hold period by 10 days without informing me. I payed {$250.00} to pay down this line of credit, but they put a hold on receiving the payment, effectively denying me the use of this credit until it clears, which has never happened before. Whats more, this credit line is used as overdraft protection for another 5th 3rd account, with a {$12.00} fee assessed for using this credit card in this fashion. I over-drafted by {$88.00}, expecting my credit line to kick in ( {$12.00} fee ) and transfer {$88.00} from my credit account, but nothing happened. I was assessed an over draft fee of {$74.00} dollars by my bank instead. Customer service indicated that my {$250.00} transfer to my credit card was on hold and it was the reason my overdraft protection did not work. Both the credit card and bank account are administered by 5th 3rd Bank. Had I known they could hold my credit card payment for 10 days, I would not have transferred the XXXX to my credit card account yesterday and would have left it in my original bank account, and would not have over-drafted at all. I find it really convenient for 5th 3rd that I did not pay {$12.00}, but instead now have to pay {$74.00}. I believe they did this on purpose ; and strategically used this holding period to push me into overdraft and charge higher fees. By effectively not allowing my credit payment to post, they invalidated my overdraft protection, so they could garner higher overall fees.
Product: Student loan

On MOHELA 's website, my income driven repayment certification is XX/XX/XXXX. On StudentAid.gov, it is XX/XX/XXXX ( please see attached PDFs confirming both ). 

On XX/XX/XXXX, I called Mohela and asked them to update my renewal date to XX/XX/XXXX. This is based on the information listed on the StudentAid.gov website ( please see attached screenshot ). https : //studentaid.gov/announcements-events/covid-19 # when-to-recertify The representative I spoke to at Mohela on XX/XX/XXXX submitted a ticket to have my recertification date pushed back to XXXX, and he told me it would occur in 5 business days. It has been 10 business days. I am requesting that my IDR date be pushed back to XX/XX/XXXX Thank you, XXXX
Product: Bank account or service

Wells Fargo Bank ( WFB ). I scheduled my mortgage payment like I do every month. I find today that two mortgage payments have been debited to my checking account and an additional one ( for 3 total ) is pending. I only authorized one payment from online bill pay at WFB from my checking account. I keep my balance at checking balance at WFB at XXXX dollar over my mortgage amount of {$1100.00}. When I talked to the banking side of WFB they said one came from bill pay and one from an auto-pay on the mortgage side. WFB bank side transfers me to WFB mortgage side. WFB mortgage claims one payment was from their bill pay service ( which is the one I authorized ), one was entered online on their mortgage site ( I did not do thsi and am unaware that this could/can be done ). WFB mortgage also claims there is no auto=pay which the WFB baking side said was there and show no pending payment ( see atatched screen shot image ). The problem is that the second payment caused an overdraft transfer from my credit card with WFB. If the third pending also hits it will generate another overdraft. This seems to be more of the shady business practices of WFB. Although I have not seen any fees associated with these over draft transfer yet I suspect I will. At any rate it seems WFB has no idea what one hand or the other is doing and just pulls explanations out of thin air. They should at least consult on what lie there going to tell a customer. I never, NEVER use auto-pay on anything. WFB can see that I have been making my mortgage payment using their bill pay service and that I keep {$100.00} in the checking account. Can you rattle their cage please?
Product: Checking or savings account

On XX/XX/23, I noticed an unauthorized charge on my checking account for {$210.00}. I reported it in person to Citibank & my debit card was replaced & password changed. A fraud investigation was opened & the amount was returned to me during such. As per usual protocol when an investigation is opened, I received a " followup '' call on XX/XX/23. I was informed that there were other unauthorized transactions being attempted in other states. After answering the " followup '' questions, I attempted to use my debit card & the payment was declined. I was unable to use my online banking app. so I returned to Citibank to find out why. I was told by the banker that unfortunately, the person on the followup '' call was not from Citibank & that my total checking account ( {$1900.00} ) was XXXX  to XXXX XXXX ( someone I do not know ) and I was informed that I had apparently authorized a " person to person '' transaction over the phone. Citibank stated that since I gave information over the phone, they were not responsible for my loss! I have been a customer of Citibank for over 35 years and the protocol of the followup call is always normal to expedite an investigation. How would someone even know that I had filed a fraud investigation with Citibank without a breach in their security network? Please help