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

I filed a credit card dispute claim with USAA on XX/XX/XXXX for {$790.00}. The merchant in this case was a mechanic called XXXX XXXX XXXX XXXX XXXX. They had my car a total of 4 times for an issue with my coolant system. The 4th time they determined it was a bad water pump and needed to replace it. I paid {$790.00} for the work and after getting my car back it broke down the very next day. They did not correctly reconnect the fill hose that sends the coolant to the engine, which caused my car to overheat and I broke down. I called the merchant ( XXXX XXXX XXXX ) that morning 3 times, 2 times the next day, a few times a couple days later, left several voicemails, with no answer. I only got a call over a week later stating I could bring the car back and they would fix their mistake. By that time 1. ) it was already too late and 2. ) no one in their right mind would bring a vehicle back to a mechanic for a 5th time for the same issue. So basically, I took my car somewhere else because I no longer trusted XXXX XXXX XXXX and they were not picking up my calls. My new mechanic informed me of XXXX XXXX XXXX 's negligence and incompetence. USAA denied my credit card dispute case because they took XXXX XXXX XXXX 's original statement at face value. XXXX XXXX XXXX ( the service managers name is XXXX XXXX XXXX stated that I only brought my car their twice, that the fill hose not being reconnected properly was not because of them and that they never heard from me again. All of these things were a lie and I provided USAA with a 3 page letter and 19 pages of supporting documentation including call records, tow records, text messages and pictures of my vehicle to disprove XXXX XXXX and XXXX XXXX XXXX XXXX lie. My credit card dispute was rejected because USAA said " the merchant offered to fix their mistake ''. I said that is ridiculous because at what point does their work not constitute neglect? And if they don't call me back for over a week am I supposed to sit at home, not go to work and wait for them to fix my car? USAA did not have a good answer. The final time I called USAA they told me they were going to have someone call me back to rectify this. I waited for that call and it never came. I am requesting that the Consumer Financial Protection Bureau get me my refund of {$790.00}. You can call me at XXXX if you want more detailed information regarding this case. USAA has not only been negligent in defending me in this case but I believe their actions to be criminal. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions.
Product: Debt collection

Ive sent creditor multiple letters, trying to get my agreement from start date with my signature stating that its my account and I get nothing in return
Product: Bank account or service

Chase Bank refused to honor the stop payment request that I made with regards to this transaction for {$660.00} and my bank is giving a control of my bank checking account to the merchant XXXX XXXX XXXX. XXXX attached documentations from Chase Bank and XXXX XXXX XXXX. Please help. Thank you.
Product: Credit card or prepaid card

On XX/XX/2022 I noticed a finance transaction of {$3000.00} on my XXXX credit card bill which I did not recognize. I called Bank of America and spoke to an agent, who told me I was a victim of ID theft, and said he would cancel the credit card and start a claim to get my money back. After hanging up, I reviewed past statements to see if there had been any other unusual activity, and saw that the exact same type of financial transaction for the same amount had occurred in XXXX, for a total of {$6000.00} in fraudulent charges. I called again and spoke to a different agent, who said she didnt see any record of the claim I had just made and would fix it. 

A week later, I received a new card. Several weeks later, I had not received a refund or any follow up communications from Bank of America. I called on XX/XX/XXXX to check on the status of my fraud claim and spoke to an agent who said that no fraud claim had been submitted and that he would correct this. 
A week later on XX/XX/XXXX, I received a refund for half of the total amount from the fraudulent transactions : {$3000.00}. I waited another week and called to see when the remaining {$3000.00} would be credited to my account. An agent assured me it was being processed and that I would see it posted in a couple days. Its been another week with no action or follow up. 

Meanwhile, the bank is charging me interest and fees on the fraudulent amount which they have done nothing about for 2 months. I have been a customer for 20 years and have always paid my bills on time. It is very frustrating to be treated this way when I am the victim here. I just want to be made whole and then end my relationship with this terrible financial institution.
Product: Student loan

I have been stuck with MyFedLoan ( PHEAA ) for a few years now as they are the only servicer dealing with PSFL qualifying payments. I should have put a lot of that in quotes for dramatic effect, as they have no idea what they are doing. Besides them being months behind on my employment verification ( a form I might add that is exactly 1 double-sided page ) and completely incapable of answering my questions, their records are incorrect.

I have been paying my 8 federal loans for nearly a decade now and they have all been paid at the same time. Yet, 4 of my loans are " missing '' a payment while the other 4 do not ; I don't know how payments made at the same time can be half-counted. Despite PHEAA 's wildly inaccurate payment count, I *know* that my XXXX payment will be made in XX/XX/XXXX or XX/XX/XXXX ( depending on the " missing '' 4 payments ). This happens to coincide with the planned departure of PHEAA from the federal loan servicing market -- literally, XX/XX/XXXX is the last month they are currently contracted to service my type of loans. 

I have absolutely done the right thing. I chose a career in public service ( before the PSLF law was even passed ), paid my taxes every year, made ALL of my payments on-time and in-full, and have submitted all the correct forms when required. XXXX XXXX never jumped through as many flaming hoops as I have! I am the ideal, textbook, PSLF-qualifying participant and yet I just know PHEAA and the Federal government are just going to mess this up.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  {$0.00}, XXXX {$130.00}, XXXX XXXX {$140.00}. Delete these unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had an auto payment set up through my bank with Capital One Cabela 's Club card for {$75.00} a month to cover my monthly credit card payment for a few years. In XX/XX/2019 I started traveling with my new job and didn't realize that my auto payments were not matching the minimum balance due. I received a call from Capital One on XX/XX/XXXX ( which was showing on my phone as spam ) and they left me a message to call them about my account. I did return the call on XX/XX/XXXX and was notified that my account had an outstanding balance of {$210.00} in which i immediately paid the balance due. My statement closing date was XX/XX/XXXX. One day after making the payment to bring my account current, my credit report and my wife 's credit report showed that Capital One reported the account 31 days past due on the XXXX of XXXX. When I called Capital One to discuss this issue, I first talked to a customer service rep, then I asked to talk to a supervisor in which i was not able to make any headway, then called back later and talked to another Supervisor to see about getting more information and make the same request i had previously. I was connected with a supervisor named XXXX, employee # XXXX. He said that Capital One reports to the credit bureau 3 days past the billing end date and that was why it was reported, even though I worked with Capital One to pay the arrears. My statement shows the payment date on the XXXX. He said that the payment was not made before XXXX XXXX eastern time and that was why it was reported. Towards the end of the call his tone changed towards me and made me feel like he was suggesting that I was trying to get out of paying my bills which I am clearly not. The reason this is so important to me is that we are in the process of closing on a house in Arizona and this drastically affects this closing now. I have been a good customer and have made payments on time up to this point of time where life changes have caused issues to get out of hand. I am including the Capital One statements from XXXX to the current date.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I recieved a bill from a debt collector XXXX XXXX on XXXX XX/XX/XXXX for a emergency standing room visit on XX/XX/XXXX stating I owed XXXX past due at that time for services rendered. What they don't state is my insurance paid for said visit our obligation was a XXXX co pay which was paid at that time ... I sent certified mail stating this and requested a actual statement from XXXX XXXX stating actual charges..They sent a in house statement from their company.My concern is this is Medical Fraud .How did they obtain my info and why was I not notified prior to the Debt collector contacting me.Account number per XXXX XXXX XXXX XXXX   is XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate late payment reporting by Citizens Bank. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payment, due on XX/XX/year>, was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved.
Product: Other financial service

I am a victim of a student loan debt consolidation scam. I received information in the mail. I was informed that this company worked with the government and they had all my information. they offered to consolidate my loans and give me a low monthly payment. they had me submit tax returns and all of my personal info. one month I noticed a payment was not withdrawn and I called FASFA to discuss my loan amount and they informed me that this was a scam. the company went as far as contacting FASFA pretending to be me to set up an account. They scammed me for XXXX dollars and none of the money went towards my loan.
Product: Payday loan, title loan, or personal loan

I am requesting this complaint to be reopened due to the unfairness of the individual at the Consumer Finanancial Protection Bureau who closed the case when we reached out to request the company to pull the account back into their office and work with us in getting the account caught up due to Happy Money not assisting us in getting the payments made when calling in and emailing. The company failed to offer any other method of payment which was reasoning for the account going into default. Consumer Financial Protection Bureau failed to request the copy of the document signed by XXXX XXXX providing me XXXX XXXX permission to speak on his behalf on his account. 

Happy Money is negligent in how the company mishandled in how the account was blocked from making payments. In this dispute, the company came with a legal guardian reasoning in not to work with us in getting the account caught up. The concern is, by selling this account off, is the company making their money in why Happy Money has been so resistant in helping us to get into the account. Even when we went into the account on the XXXX of XXXX to try and make a payment after my banking information was updated, the company quick responded they closed it on the day before which does not make sense. 

There has been an oversight by Consumer Finanancial Protection, Bureau because when I responded to the company in not majoring on utiliziing the Power of Attorney as an escuse to help us in getting the account caught up, the company never responded with an alternative in doing everything to assist us with the account. I do no see how the Consumer Finanancial Protection Bureau did not address this but just closed out the complaint. This is exactly what we were dealing with in the company neglecting to work with us in getting into the account prior to it getting so far behind all the way up until it did get XXXX or more months in the hole. 

I am requesting the case to be reopen and Happy Money to send the document XXXX XXXX XXXX signed online to have me addressed his account due to his XXXX. And the company stop resisting to help us catch up on the payments by so quickly selling the account off.
Product: Credit card

I have spoken to Bank of America three times in the last 3 days and today is XXXX  XX/XX/year>. Each time I have spoken to a representative they have told me that they would not be able to refund me the interest that was accumulating from an offer ending that had 0 % interest on a balance transfer for me I had noted that it would end on XX/XX/XXXX and it ended before that time frame. When I question them about it they said it was in the third page of the statement even though I had been all through the statements and couldn't locate the date. I just happened to call to double-check my information and saw that they were already charging me Interest. I want a refund of the interest that was charged as I have already paid off the card with two different banking entities
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I checked it as usual, but this time, there were unexpected discrepancies. I thought it was a glitch and refreshed my browser, but the wrong information didnt go away. Now, Im left hoping the documents Ive sent will be reviewed carefully so I dont have to deal with this XXXX  again.
Product: Credit reporting or other personal consumer reports

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX  Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
Product: Checking or savings account

Description of Complaint : I am filing this complaint against Citibanks XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) and its Branch Manager, XXXX XXXX, for refusing to honor my valid Power of Attorney ( POA ) for my father, XXXX XXXX. My father is gravely ill and has authorized me to manage his financial affairs, yet Citibank has unjustly blocked access to his account, citing a fraud alert. Despite providing notarized POA documentation and supporting materials, the banks legal department has refused to approve my POA, preventing us from accessing funds necessary for mortgage payments, medical expenses, and daily living needs. 

This refusal violates New York General Obligations Law 5-1501, obstructs my fathers financial management during a time of medical crisis, and directly contravenes Citibanks obligations under consumer protection laws. Additionally, the Branch Managers actions, including forcing me to leave the office while assisting my father and ignoring requests from my mother ( XXXX spouse ) to lift the block, demonstrate hostility and disregard for customer rights. These actions also conflict with Citibanks own Code of Ethics as outlined in its XX/XX/year>, 10-K filing. 

I respectfully request that the CFPB investigate Citibanks failure to comply with legal obligations to honor POA documents, unblock the account, and provide access to funds immediately. 

Please see attached for more details
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/2021. They are reporting inaccurate information on my credit report. The disputes were not deleted or even responded to. I did not get any documentation in the mail to notify me of anything. The inaccurate information is still on my credit reports. I have a right as a consumer to have inaccurate information deleted.
Product: Mortgage

I did a temporary forbearance with my mortgage company ( Loancare ). It was due to COVID and was only supposed to last 3 months. About 3 months later I started contacting Loancare about starting up my monthly payments again. Somehow they accidentally extended my forbearance. Finally, in XXXX, I got paperwork to fill out to reinstate my payments. It took a month to receive this paperwork. I got it notarized and sent it back via XXXX. Im waiting for my payments to be restarted XXXX during this forbearance they have disabled online payments for my account ). The last time I spoke with a rep they said my payments would start again XX/XX/XXXX. The forbearance missed payments are to go at the end of my loan. 

Now, unexpectedly, I am receiving letters saying my mortgage is in default and Im at risk for foreclosure. My mortgage is NOT in default. It was a planned forbearance due to COVId. Loancare has made it incredibly difficult to get my monthly payments restarted and now they are threatening foreclosure. I am devastated because Ive done everything Im supposed to and Ive been ready to make payments again.

Loancare needs to correct my mortgage so my credit isnt ruined and I dont lose my home. Literally all of this is their fault yet Im going to suffer the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX   XXXX  is reporting several incorrect items on my Equifax,   XXXX   and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XXXX / XXXX /  XXXX   ( Equifax  ),  which the last payment made was in  XXXX . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}.   XXXX   XXXX   I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my credit score.     The  XXXX   XXXX  is reporting this fals e information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional two years which it legally can not  do.
Product: Credit reporting or other personal consumer reports

I disputed accounts with Equifax on XX/XX/XXXX and it costed over {$80.00} to send these letters. I found info that was really alarming to me on these accounts : Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX : XXXX Equifax responded that these accounts were verified so I mailed in another letter on XX/XX/XXXX asking them their methods of verification and stating these accounts be removed and I have not gotten a response back or any acknowledgement to my letter that was mailed. 

Equifax has been violating my rights by not reporting accurate information on my credit file and they are avoiding doing the right thing and getting these errors removed. According to USC 1681, credit agencies must report information in regards to any consumers accurately and this not the case here.
Product: Checking or savings account

My sensitive information has been compromised by these so called institutions of higher authority in the XXXX XXXX! Every financial institution has lost my information has had fraudulent accounts opened in my name by their employees, committed bank fraud, identity theft, misappropriation of funds, I have been stolen from in the neighborhood of XXXX in both liquid assets and debt accumulation.
Product: Credit reporting or other personal consumer reports

Experian has not responded or updated any reports or credit scores even after the removal of several derogatory items were removed the last report that shows online and on paper still reflects all old information that has been removed it has not been updated as it should since XXXX of XXXX my score should be in the XXXX close to XXXX since the removal of the negative items 3 bankruptcies XXXX XXXX XXXX XXXX XXXX  and 17 inquiries ( hard ) to be exact were removed and no further updates to my credit score or report has been made! 

XXXX XXXX has refused to provide me with my credit score and I have requested that now for over 2 years the last report that I can see was not updated since XXXX and my score has said XXXX for 2 years even after the hard inquiries have been removed as well as the bankruptcies this is a violation of my consumer rights and I am demanding a new updated credit report and updated score not only be visible to me online but sent to my address on file. 

XXXX has not sent me an updated credit report and score ever and I have requested this several months now I have had three bankruptcies deleted several hard inquiries removed XXXX XXXX  deleted XXXX XXXX  deleted I have no negative items on my report anymore yet my reports are not being updated online or hard copy to reflect an update to my scores or credit report
Product: Checking or savings account

on XX/XX/19 someone cashed a check at a bank in XXXX XXXX ( Zip code XXXX ) using my ATM number and pin number and forged my signature ( though spelled my middle name wrong ). The check was made out in my name, with a company based in XXXX, CA that I've never heard of. The person went to a bank and cashed the check for the amount of {$2400.00}. I have image of front and back of check with my middle name spelled wrongly. I discovered the fraud on XXXX and reported to Bank of America that day, who froze the account. I submitted a police report on XX/XX/XXXX about the check fraud.
Product: Debt collection

While reviewing my XXXX account I learned that Client Services Inc, a debt buyer, accessed my credit report without my knowledge or consent on XX/XX/XXXX and XX/XX/XXXX. I have never communicated with this company, had an account with them, or otherwise entered in to any contract with them.