23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card account has been closed due a bankruptcy placed on my account. My sister filed bankruptcy XX/XX/year> and her information has somehow landed on my credit report and this credit card account has been closed. 

I've contacted XXXX and spoken with them thrice. I do not feel competent that I'm being heard about the matter. No one will tell me which credit agency reported the bankruptcy so that I can speak with them nor will any of the credit agencies help me. 

I am not in bankruptcy, my sister is. My name is XXXX XXXX XXXX, her name is XXXX XXXX XXXX. Our social security numbers are identical save for the last XXXX digits. 

Please correct your bankruptcy department and restore my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$0.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am in disagreement with the results of this investigation from XXXX XXXX account # XXXX on my XXXX dipute results.. My account was updated but errors still on my report. The balance is incorrect.. Also the history dates show last payment date is incorrect. Does not match. XXXX XXXX has ruined my XXXX score by putting incorrect information on my report. The other XXXX credit bureas also have incorrect information.
Product: Checking or savings account

I was incorrectly charged 3 overdraft fees on XXXX, XXXX and XX/XX/10. Each for {$34.00} for a total of {$100.00}. 

These fees are incorrect as I moved deposits over from my attached savings account to cover the balances. Also, each time I made the transfer, I received emails from Citi Bank thanking me for the deposit with the email stating I have avoided any fees as a result. 

This is a problem that has always plagued Citibank as this has happend before and when I call, the customer service is Horrible and I am always told " we will reverse is this 1 time but not again '' and its labeled a Courtesy when in reality it is a Citi Bank error. 

That brings me to the Customer Service on this matter. I have called Customer Service and used the chat services in the Citi App over 3 times and the service is below horrible. Twice I was told, " It was been reveresed and you will see the cash returned '' Ofcourse it never happend. Another time I demanded a Supervisor and was told " I see the error, I requested it to be credit to your account but I need to call you back once its approved '' .... and ofcourse, No call back or refund. 

Horrible, Horrible, Horrible. 

So I am now left to submit a complaint to correct an error and get my {$100.00} refunded. Being with Citi for almost 20 years, this is just obsurd and honestly pathetic. 

Please see the attached chat I took a screen shot of as proof and refunded the {$100.00} as soon as possible.
Product: Mortgage

Seterus will not send us paper statements, they falsely put out loan in their bankruptcy department when the loan ( sold from XXXX after being bought from XXXX ) was *never* part of the bankruptcy. We have been trying for months to get paper statements or at least view them online ever since the loan was sold over a year ago. This is insanity.
Product: Checking or savings account

Dispute outstanding balance of {$33.00}. I closed a account at HANCOCK WHITNEY years ago. I only had a ATM card and used it at the branch I opened the account at. I understood no charge for using their ATM.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have been a customer with Comentiy bank since XXXX. I had a XXXX Credit card and XXXX credit card. My XXXX credit card was closed in XXXX. I never got a warning of the card being closed, and my balance was XXXX. I made my payments with auto draft and was never late. At the time my available balance was XXXX, the card had already been closed without my knowledge. As for my XXXX credit card, I have been making payments on that and my balance is XXXX, even though I have paid almost XXXX $ on that card. I don't know if my payment are being reflected correctly and why are my accounts being closed even though I am making the payments.
Product: Vehicle loan or lease

My car was repossessed without any notice of the right to cure. 

I had set up a payment via an automated phone system. Where it said I had a payment agreement in place for XX/XX/XXXX. There were not ANY OTHER prompts saying I had to make that payment online. So I thought the payment was being auto-drafted from my account because that's how it's always been done. Only to find out they never drafted the funds from my account which I was unaware of. 

As a result, I woke up this morning my car was missing. They repossessed my vehicle and now I'm trying to get it back asap. 

The company that I have this loan with is Southeast Toyota Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, account number XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Attachment ( s ) for proof of claim, violations of Privacy Act of 1974, CFR regulations and natural law rights violated.
Product: Credit card

Received notification that my credit score was lowered because Apple Credit Card reduced my limit from XXXX XXXX XXXX XXXX. 
Called Apple Credit Card and they stated they decreased my credt limit due to low spending. 
I cancelled card. 
I want my credit score corrected. 
I have never missed a payment and this is wrong that I get my limit reduced for not spending enough. I had this card as an emergency card and made monthly charges to it to keep it active.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i submitted a dispute to XXXX  and Experian disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on my report
Product: Debt collection

I continue to receive letters from a Debt collection Law firm called Hunt & Henriques, Attorneys at Law, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. Hunt & Henriques have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired XXXX  XXXX with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into Hunt & Henriques, Attorneys at Law.
Product: Credit card or prepaid card

Citibank has, over the past 60 days, accessed my personal credit without my consent on at least three occasions, and did so after repeated promises they would stop.
Citibank 's attorney previously and repeatedly promised me that this activity would stop.
As a result of accessing my credit reports, Citibank sent me at least three offers of credit that they knew would not be honored.
Product: Money transfer, virtual currency, or money service

My PayPal account is XXXX, and my PayPal case number is XXXX XXXX I purchased a product on XXXX. The item sent to me by the seller was damaged. The seller 's return policy allows returns. However, the customer service of PayPal handled the problem poorly and didn't give me any chance to return the item at all.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, Section 602 ( a ) of 15 USC 1681 emphasizes the importance of ensuring that consumer reporting agencies carry out their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX, Transunion, and XXXX operate as consumer reporting agencies, and I, as a consumer, hold the right to safeguard my private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and safeguard nonpublic personal information. Under Section 604 ( a ) ( 2 ) of 15 USC 1681, it is outlined that consumer reporting agencies can only furnish consumer reports upon the explicit written instructions of the relevant consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, Transunion, and XXXX have my consent to furnish this information, as reiterated by 15 USC 6802 ( b ) ( c ), which mandates that financial institutions must inform consumers of their right to opt out of information disclosurea right that was not communicated to me by the furnisher of information. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization, a provision violated in this instance. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports for specific purposes. XXXX, Transunion, and XXXX are failing to uphold these standards. Furthermore, as stated in 12 CFR 1016.7, consumers retain the right to opt out at any time, a right I am now exercising with regards to your reporting services.
Product: Bank account or service

yes pnc bank charged my mom XXXX late fee???? balace is now XXXX????? should only be XXXX? im my mos XXXX going thru hardship?? like too see if we can get the XXXX late fee waived?? were very loyal long customers????? like too pay just the XXXX on phone??? my cell number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed. I haven't received any investigation results.
Product: Mortgage

I 've been trying to combine my two mortgages by refinancing for the pass six years I 've owned my home for ten years I call them two to three times a year because they send me letters saying I qualify to refinance through the program HARP and when I talk to them they say I do n't qualify because I 'm not In Crisis because I 'm not late with my payments but what they do n't know is every time they withdraw the money from my account it overdraft but they do n't care as long as they get their money so why send me the letters at all and they also told me I was going to be able to combine them and refinance after two years and till this day they ca n't because my home is not worth what I owe but it 's not my fault since they could n't or just do n't want to refinance because of all the interest they are making of me I 've paid so much interest in this ten years my home could of been paid off by now. And for the pass few years each year they keep over charging me on my escrow they keep telling me that my escrow has been going up and so that 's why I have to pay more money on my mortgage which I ca n't afford and I called the escrow company and they told me that my taxes has n't changed so that only means they are taking and keeping my money I 've call them about it and they say otherwise I thought I was the only person that was going through this with them but I read online that are with this company that are going through the same thing and it 's because we are letting them get away with it because we do n't want to loose our homes and no one will help us and make them stop abusing us and taking advantage of us but maybe yous will help us all that going through the same as me and make this pay for what they are doing to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a dental bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the dental company and the collection agency but to no avail. I've always had dental insurance and I've visited this dental office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any dental work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.
Product: Checking or savings account

At the beginning of XX/XX/2023 without my authorization ( no signature ) or prior notification Chase Bank " removed '' ( see attached ) my XXXX Sapphire Checking account from its linked status with my primary Sapphire Checking account XXXX and " replaced '' it with another account. Since I did not know that XXXX had become unlinked it no longer met the Sapphire balance requirement and began to be charged a Monthly Service Fee of {$25.00} for XXXX, XXXX, and XX/XX/2023. I brought this to Chase 's attention when I discovered the fees in XXXX. Chase would only give me {$25.00} back stating that is their policy of only one fee reversal a year. I went to my branch and spoke with a client represent, XXXX, who also could not reverse the {$50.00} total charges even though it was not my fault that I received them. To stop further monthly charges I had to change my XXXX from the much more premier Sapphire Checking into a low tier account of Total Checking. Since I did not authorize the XXXX Sapphire " removal '' I want Chase to refund the remaining two {$25.00} Service charges ( for low account balances ) back to my XXXX account. I realize that {$50.00} is not much money but to me it is the principle of trusting one 's bank with your money, since Chase bank did not perform its fiduciary responsibility in my regard by failing to contact me beforehand about changing my XXXX 's checking account status but acted on its own discretion. Thank you for your help.
Product: Checking or savings account

Im absolutely devastated and never banking with Bank of America again!! On XX/XX/XXXX, I had been out with family and had lost my phone for a couple of hours while at a mall / round XXXX bowling. I ended up finding my phone on a seat in the bowling alley. It seemed fine but then I noticed a couple of days later I had {$5000.00} taken from my Bank of America account and sent to a random address on XXXX. I have never seen this address before and filed a fraud claim with bofa. Today, I see they denied it and arent paying me back for the stolen funds. I called a rep and they said its because they sent me a text about the purchase and I texted back yes I mentioned to them my phone was stolen and the person obviously deleted the messages or any emails to alert me!! I want my money back it was a huge amount! I did NOT authorize that purchase and would never purchase such a high amount on XXXX XXXX. I need my claim paid and resolved!
Product: Credit reporting or other personal consumer reports

I am formallysubmitting this CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : {$8100.00} XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You
Product: Debt collection

So I received a call from XXXX they said I had a debt of XXXX dollars back in 2013. I was barely XXXX at the time so that isn't even possible, they claim it was with Wells Fargo I have never banked with them before. They stated that they have been trying to reach me via mail communications, I have never received anything about this. Originally I would pay no attention to this however they somehow pulled my credit report I have no idea how because the SSN they gave me wasn't even correct. They told me to call back at this number XXXX when I looked it up it was a company called the XXXX XXXX  based off of California. It looks fake because it has 1 review 5 stars and the website looks like they just threw it together last minute very poorly built with zero info about the company itself. They threatened to garnish my pay wages, repo my car and damage my credit. I believe this to be fake I just don't know how they pulled my credit.They claim that I owe a debt to Wells Fargo when I called Wells Fargo they said I have never banked with them before they could not find me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Product: Credit card or prepaid card

I have an American Express card with the plan it pay it option. I made the minimum payment towards the " plan it '' balances. There was also a charge from regular card use of XXXX that was not part of the " plan it '' balances. When this charge had posted I was given the option to hit the " pay it '' button to make a payment for that specific charge so it would not increase my minimum payment for the next month. They applied that payment along with the minimum payment to the " plan it '' balances. This increased the minimum payment for this month by XXXX. Their explanation as to why the payment made specifically for the extra charge in its exact amount wasn't applied to it is because they can apply however they want because the statement wasn't generated yet. This makes no sense since I was given the option to apply a payment for only that charge and any balance can be paid before a statement is generated. I know this because I get many statements with a XXXX balance even though there were charges in the statement period. Everyone I talked to with customer service department said they saw the problem and sent me to the plan it department saying they could fix it. As soon as I got to the plan it department they would go into a long explanation of why they weren't going to fix anything. I got passed back and forth like that for a while until the plan it person sent me to their supervisor of some sort that started with the same long explanation. AMEX needs to get their stuff straight and figure out who is in charge of what instead of constantly passing the buck around.