23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a credit counseling program as of around XX/XX/2019, but around XX/XX/2019 I decided to quit the credit counseling program. I thought that the credit counseling program coordinator contacted all creditors to inform them of this so that it would not appear on my credit report anymore. However, after checking my credit report recently, I see that USAA federal savings bank has a remark on my credit reports stating that I am still managed by a credit counseling/debt management program when I am not. and I have proof. I sent them proof, called them and they still refuse to remove the remark and take me out of the program on their end. This company is hard to deal with. Ive heard some bad things about this company and I want nothing more to do with them.
Product: Checking or savings account

Citibank $ XXXX $ XXXX {$700.00} Checking Account Bonus XXXX {$700.00} bonus details : Open new eligible checking and savings accounts in the Citi Priority Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 
You will receive your cash bonus within 90 days after you complete the required activities. 
A monthly service fee of {$30.00} applies to the checking account in the Citi Priority Account Package if a combined average monthly balance of {$50000.00} or more is not maintained. There is no monthly service fee for a checking account in the Citigold Account Package.

I opened both the checking and savings accounts on XX/XX/XXXX, completed the {$50000.00} deposit requirement on XX/XX/XXXX, maintained the {$50000.00} balance until XX/XX/XXXX. 
I contacted Citibank customer service department a number of times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to name a few XXXX and every single time I was advised to wait until XX/XX/XXXX to receive the {$700.00} bonus. 

Please review and escalate as needed to reach a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3rd ATTEMPT. IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.
Product: Debt collection

I have a debt collection for services/utilities that I did not use. I have never had an account under my name that I authorized for myself or no one else. The information being reported is incorrect.
Product: Other financial service

When I deposited a Western Union money order into my checking account, it was not honored by Western Union. As a result I incurred {$10.00} in fees from my bank. Further, Western Union stopped payment on the money order. When I called Western Union to correct this, the person I spoke to told me to send them a copy of the money order and the money order receipt. The person I spoke to specifically told me I would not be charged any fees since the money order was valid and the problem was not my fault. 

Even though I followed their requirements, They sent me a check for {$480.00}, and not the value of the original money order - {$500.00}.
Product: Credit reporting

On XXXX XXXX, 2014, I contacted XXXX just to inquire general information on obtaining a mortgage. I made it more than clear, I was just looking for information and not ready to take action. The representative on the phone told me he would run a SOFT inquiry on my credit and that it would not affect my score. He ran my credit ( and my wife 's too ) and later that week, I see it was indeed ran as a HARD inquiry. I called and wrote asking for the audio from the call since I know they are at times recorded. I NEVER gave XXXX any permission for a HARD inquiry and I would not until I was at the stage to actually purchase a home. I feel tricked and manipulated by this company.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO THE FCRA IT IS A VIOLATION.
Product: Mortgage

My refinance took longer than expected. Flagstar charged me 3 times @ {$30.00} for payoff quotes that I did not request. To the extent I did request quotes, I did them by mail to avoid their excessive and unfair fax/electronic fees. My presumption is the request came from the title company, but Flagstar did not reach out to me prior to fulfilling the payoff request to gauge whether there was a rush need that required electronic versus mail. Instead, they fulfilled these electronically and charged me a fee. This is an unfair and deceptive practice when it is cheaper to generate electronic payoffs than it costs to mail. I have no way to prevent it from occurring as I am not the source of the request. Moreover, I wonder if Flagstar provides payoff figures to their internal sales team when their customers refinance with Flagstar rather than a competitor. 

In speaking with Flagstar, they were unconcerned with this practice and told me to take it up with the title company that incurred the costs on my behalf. 

Separately, I tried to reach Flagstar in XXXX to talk about Loss Draft funds related to Irma, but they'd switched insurance vendors. There was no one available to talk to me after repeated attempts. They took my number and never returned my calls.
Product: Credit card

I didnt create these accounts. And some how they closed on me but I never knew I had the accounts. This is hurting my credit and I would like to get this resolved
Product: Debt collection

XX/XX/2020 To Whom It May Concern : I am asking for this account ( XXXX XXXX XXXX ) Acct No : XXXX in the amount of {$460.00} to be removed from my report. When I moved from my home at XXXX XXXX XXXX XXXX XXXX, WV, I left my security deposit in my son and had the services transferred into his name. I have since paid the past due amount of {$460.00} on XX/XX/2020 ; However, I do not feel that because my son defaulted on his payments the said company had the right to come after me for the delinquent charge. 
I ask you please to help me correct this as promptly as possible. I have attached the receipt ( paid in full ) and if you could please contact me via email at or by phone for confirmation. I would greatly appreciate it. 
Thank You for your time and attendance in handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX by Santander Consumer USA, 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: Credit card or prepaid card

Chase closed account number : XXXX XXXX  XXXX XXXX for no good reason. Chase closed account around when unrecognized charges were reported.
Product: Checking or savings account

I opened an account with Regions Bank in branch in XXXX, GA on XX/XX/2020. I opened the account in response to a promotion offer I received via U.S. mail. The promotion entailed opening a checking account and completing XXXX debit card transactions within 30 days to receive a {$400.00} bonus. The bonus is to pay XXXX days after completion of the XXXX debit card transactions, or approximately 120 days from account opening. I have completed the requirements and have not received the account opening bonus. I have worked with the branch starting on or around XX/XX/2020 and they keep saying they're working on it. They admitted other customers have not received the bonus. I beliece this to be a XXXX concern that needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not respond to my request to remove a credit freeze. They requested identification by mail in order to unlock my online account so that the credit freeze can be removed. They are unresponsive by US mail or online contact.
Product: Checking or savings account

I received my direct deposit this morning ( XX/XX/XXXX ) and was finally able to start using my Discover banking card. They closed my account without warning not even 24 hours later and they said that I wont be able to get available funds for two months ( 60 days ).
Product: Credit card or prepaid card

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with 3 different associates at GM Financial, then spoke with a manager. They informed me that they have not been reporting to the credit bureau 's since XX/XX/2020, when Covid hit and they told me even today XX/XX/2020 when I spoke to the manager that they still are not reporting. I assured them that someone is because it shows up on, my report and delinquent past 30 days for both XXXX and XX/XX/2020 with 3 different credit bureau 's. 

I am in the process of trying to adjust my finances and this is affecting my score a lot. They told me that they could not call the credit bureau 's to fix the problem. 


Bottom line I need it to reflect on my credit report that I am not delinquent with GM Financial and am in  good standing. I have attached supporting documents as well.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report. I have sent letters to this company on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for validation of all debts, and proof of verification. They keep sending me stall letters via email & mail stating that its not me thats sending the letters and refusing to take action. I have also disputed online on XX/XX/XXXX for inaccuracies that I have found on my credit report and on XX/XX/XXXX I received an update that the accounts were updated. They didnt change anything nor did they respond.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 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 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 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
Product: Mortgage

Complaint is that New York Community Bank is NOT reporting mortgage payment information on XXXX mortgage holder, XXXX XXXX, CRA record and IS on the XXXX mortgage holder, XXXX XXXX, CRA record affecting XXXX mortgage holder credit rating since bankruptcy in 2007. NYCB has been notified repeatedly by USPS mail, certified email, email, phone, and attorney representative to correct this oversight to add payment history of mortgage status to XXXX XXXX 's CRA records. XXXX XXXX is an XXXX XXXX woman. XXXX XXXX is a XXXX XXXX woman. We have asked NYCB several times over several months to correct the information on XXXX XXXX 's CRA report. They acknowledge the submission of a reaffirmation agreement with NYCB, however, claims that the reaffirmation agreement was not filed with the court system, even though signed by the bank 's representative AND even though they have continued to submit a bill, have been paid continuously on time and have continuously reported good standing for XXXX XXXX on her CRA reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling identity theft since 2015. I have contacted Equifax more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places Equifax refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting XXXX XXXX XXXX on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!
Product: Prepaid card

Paypal reported 30 day delinquency against for a bill that should have been paid through my autopay. Second, they had an old address of mine. When I spoke to the customer service representative, I paid the {$5.00} and he provided instructions to get the credit reporting resolved, which I followed immediately, yet 1 month later, still have the 30 day derogatory remark on my credit report. 
More importantly, I 'm in the process of purchasing a home, and I 'm unable to get my preapproval letter due to this status ( it dropped my credit score close to XXXX points ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX PO BOX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}
Product: Checking or savings account

On XX/XX/XXXX of the year 2023. I got a message from the XXXX XXXX app ( an app that I link to my account Capital One 360 to control my budget ) telling me someone made a purchase of {$1100.00} from XXXX XXXX XXXX XXXX XXXX. I instantly called the bank to see why this purchase, they told me it was pending and they couldn't do anything until the transaction was processed. The first lady told me that someone had cloned my card, but I made the report as soon as I noticed it. My wife had this card for emergencies, but she usually took money from the ATM with a PIN #. When I called my wife, she told me she was in a flea market in XXXX and had that debit card in her wallet inside the car. So when she got back to the car someone stole her wallet with the debit card and other important documents of hers and mine. That person that stole the wallet made a purchase so, from then I have been calling the bank and they are just rejecting my dispute giving me from my point of view excuses to not pay me back that money. 

1st : One of the CS representatives told me the purchase was made and it didn't ask for the PIN #. 

2nd : The bank never protected me as their customer or asked for my authorization to allow this rare purchase from a strange place. They never send me a message or email to allow this purchase they just allow it with any other restriction. Also, a CS representative said they tried to make several other purchases with this card from the same merchant, but as I told you before as soon I saw the purchase I reported it. 

3rd : They don't have the address or phone number of the merchant. One of their answers says : " We reviewed your dispute ( s ). Based on the information we have, your claim ( s ) has been denied because of your assertion about the debit card possession and transaction information. You can still try to resolve this directly with the merchant. '' I'm telling them and proving that the card was stolen and I don't have an idea of what kind of commerce is : XXXX XXXX XXXX XXXX XXXX. 

Please help me with this issue it seems the bank just doesn't want to accept their responsibility and not refunding me this fraudulent purchase. 

Tell the bank to provide you with all the information they have from this issue, the transactions tried to do with this card after the report, the time that was made the purchase and how the purchase was made, and what they asked to accept the purchase from this merchant if signature or pin and check the signature, please!!! 

help me, I'm struggling a lot to put food on the table for my kids.
Product: Credit card or prepaid card

I held a credit limit of XXXX for a year with Synchrony bank. I have made all payment on time. Paid balances in fill every billing cycle. During the pandemic they closed my account stating I had a low credit score and to many accounts. Which at the time none of this was true. When they close my account ; I lost all rights to rewards I earned using my card and no one has made me whole. I have made several attempt to resolve matter with company. But no avail
Product: Mortgage

I keep making extra payments to PennyMac which are stipulated to be applied to the principle. I have automatic payments monthly which have NOTHING to to with the EXTRA payments that I am making. Repeatedly since at least XX/XX/2019 PennyMAc has been reversing my extra payments. The money is taken out of my bank account and into PennyMac and applied to my principle for a day and then REVERSED. The money is NOT put back in to my bank account and I have NO idea where it is. I have contacted PennyMac MULTIPLE times about this and they keep doing it. I have written many times online and I have called MANY TIMES. I have spoken with XXXX, XXXX and XXXX to name a few. I demand that PennyMac appropriate my funds as allocated and I demand that I get adjustments for any interest accrued from their mistakes.
Product: Credit card or prepaid card

Last couple days of XXXX I noticed unauthorized charges. I contacted bank the y said that I could do anything until the cleared account try contacting merchant. More and more charges showed up they continued to say the same thing. I got them to block the merchants I thought but they kept coming in XXXX I saw a charge from XXXX contacted them luckily nothing had shipped and they marked the charge as fraudulent and told me to contest threw my back on XX/XX/XXXX th I was told I would have to wait for the charges to clear after the holiday this time however the put a complete hold on the account. After the holiday they cancelled old card sent a new one told me I had to wait for last two charges and that I had to show I'd had made a good faith effort to contact merchants for reversals. Finally XX/XX/XXXX they said they where sending paperwork in would have to sign and return within 10 days for provisional credit the paperwork didnt arrive in mail till the XX/XX/XXXX at which time I signed and faxed back. I called to let them know and they said it was processing and to call back in a few day for provisional credit. Few days later I called again and was told they had just received my fax on XXXX and in would be a few more days for processing. Few more days I called and was told no fraud had been found case was closed. I didnt understand how that was possible they never even spoke to me nor did they contact legecy who was willing to refund it back. I called again was told it was closed by mistake send paperwork I. Again this time I enclosed emails from XXXX and fax showing faxed on XXXX. Was XXXX to wait a few more days for processing. Called back was to the just received fax call back more day called back money who said that they had just received fax that day and call back in a few day. Called back next day was told I would receive a letter in a few day or a week and that they had no information to give me nor had the contacted XXXX  who had been waiting since XXXX for the to charge back. They refused to even tell me what information I need to provide them let alone what they actually do in these so called investigations.
Product: Debt collection

I'VE REQUESTED VERTIFICATION OF THIS DEBT AS REQUIRED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15USC1692G. I'VE REQUESTED THE FOLLOWING INFORMATION : 1. THE AMT OF THE DEBT - TO INCLUDE A BREAKDOWN OF THE TOTAL AMT OWED INCLUDING ANY FEES OR INTEREST. 2. THE NAME OF THE ORIGINAL CREDITOR. 3. PROOF OF DEBT - DOCUMENTATION OR SIGNED COPIES OF ANY CONTRACT AGREEMENT, THE DATE OF THE ORIGINAL DEBT AND THE DATE OF THE LAST PAYMENT, OR ANY OTHER EVIDENCE THAT CONFIRM I AGREED TO THIS DEBT. 4. A STATEMENT CONFIRMING THE DEBT IS VALID, ACCURATE, AND LEGALLY ENFORCEABLE. 

I HAVE NOT HEARD BACK WITH AN ANSWER.
Product: Checking or savings account

I am seeking some assistance with all the inaccuracies involving report submissions with the disputed case. There was fraudulent activity happened in the filing of this dispute in regards to incorrect submission dates and gross negligence when handling a compromised account that you all had to close out due to suspicious activity. I was not left with any options and also had no knowledge of one of the withdrawals in question. I see a pattern involving different moving parts that might need to be highlighted on in legal action to be taken for this matter. I was told that I would be getting the provisional credit if I handed my paperwork before the XXXX of XXXX. I in fact sent the documents in both email and mail form before the XXXX. I was told nothing was put into the system until the XXXX of XXXX and that the original date of submission would be corrected back to XX/XX/XXXX with my first email and a provisional credit would be sent out within 10 days. That never happened and I was then told a separate time there was an appeal however no one from your department has sent me to XXXX XXXX dispute department and they keep rerouting me back to EDD. I then submitted proof that would finalize the appeal showing I was not at any financial institution on the XXXX of XXXX so he transaction was not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.