23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed bankruptcy in XX/XX/XXXX, and it was discharged in XX/XX/XXXX. I had a platinum card with American Express that was included in the filing. I have been fairly successful rebuilding my credit, but each time I have tried to get a card with AMEX, even a corporate card, I was denied due to having an outstanding balance. When I have called in to inquire about my denial, they have indicated that I could get a card, if I paid off my old balance. That does n't seem right.
Product: Checking or savings account

I opened an account with citi bank, I tried to move money through my account via zelle to make bill payments. I was prompted that my account was closed and that I needed to contact customer service for assistance. I contacted customer service and provided information that I had on my account. The representative transferred me to the fraud line and I was then informed that I had to provide contact information linked to my SSN. I no longer have access to that phone number.I was then informed that a confirmation letter will be sent to my address to verify my identity. I later received my bank card in the mail along with a letter providing the PIN number for the card. After waiting XXXX weeks and not receiving the confirmation letter to verify my identity. Citibank informed me that the letter was sent to another address linked to my SSN. I visited the social security department in my area and was informed that the address tied to my SSN was an old address I no longer have means of getting access too. I have informed Citibank, spoke to supervisors and to no avail my situation remains unchanged
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into Experian, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against XXXX XXXX XXXX L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.
Product: Mortgage

I paid off my home loan with Bank Of America and they did n't pay me all my interest back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding incorrect information on my credit report. As of today, I have not received a response. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. I know that the original creditor XXXX XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The reported Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Due to these inaccuracies, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$140.00} ) is also inaccurate. I understand that the original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. You report a higher Balance of {$140.00} than the amount I believe I owe. This information is incorrect, and I dispute this account as well. I also request a verification of Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Debt collection

I was assured by XXXX XXXX of Summit Collects that a {$35000.00} payment at the time of my sale of my property fully satisfied a judgement a former attorney had placed on me. ( Please note that that former attorney is being investigated by the XXXX XXXX XXXX XXXX XXXX with the Office of Attorney Regulation Counsel ) but regardless, I opted to make the payment. XXXX XXXX stated affirmatively in writing that the $ XXXX was the full payment but then her client, XXXX XXXX XXXX said after the sale of the property that the payment was only " partial satisfaction. '' XXXX XXXX told me that he was wrong, that it was FULL satisfaction. But then he ordered her to not communicate with me anymore and she has not responded. 

Further, I had asked her multiple times to provide me with an accounting of her firm 's collection fees and she to date, has failed to provide that. 

Further, in an email that her client XXXX XXXX submitted to the XXXX XXXX XXXX, XXXX XXXX calls me a " fool '' and wrongly accuses me of " playing games '' even though in good faith I had been regularly in touch with her agency... they ignored me for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is regarding XXXX  XXXX XXXX  with whom i have had a Credit Card Account with for the past since XX/XX/XXXX. This account is still current and active. In XX/XX/XXXX they reported me 30 days late, i found this out in XX/XX/XXXX, i reached out to the bank and the issue was resolved and the late report taken off my credit report. I just found out that XXXX XXXX Bank later switched the XX/XX/XXXX report to 30 days late again. This is grossly unfair as this had been previously resolved, this is now dragging down my credit score. 


Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$690.00} {$950.00} Payment Info Status Current,  was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$35.00} Late payments XX/XX/XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable
Product: Credit card or prepaid card

I tried signing up for the XXXX XXXX  NetSpend card but something went wrong during the process and know how or why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates 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: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX  XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX a fraudlent document was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn and XXXX XXXX XXXX  i XXXX  XXXX XXXX am revoking my signauture so the contract is null and void money owed XXXX for finance amount and XXXX for credit charge and XXXX cash deposit and XXXX for service contract charge so the total cash price is XXXX plus XXXX for public officals total owed XXXX plus XXXX for debt discharge from CREDIT ACCEPTANCE fruadlent contract number XXXX on XX/XX/XXXX and my XXXX XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX WAS TAKEN AND I WANT IT RETURNED IMMDEITLY.WITH OUT PREDUCIE.
Product: Mortgage

Attempted to work with Ocwen Loan Servicing for a loan modification while on XXXX due to injury at work. Months in, i have sent every shred of evidence that i have and they keep playing games. They will never accept it and now the window is closing in 3 days. I even got a letter from work and still nothing is good enough. Every rep that call does 0 homework and reads off the same script every time.
Product: Debt collection

I am a victim of identity theft. I am receiving harassing and threatening phone calls, text messages and email messages from Ability Recovery Services LLC for a debt I dont owe and is the result of identity theft. Ability Recovery Services debt collection representatives has threatened to have me arrested and sent to prison for a debt of {$1300.00} I dont owe to XXXX XXXX XXXX The account is fraudulent and not my account. I never attended XXXX XXXX. The account or debt isnt my debt and is the result of Identity theft. Reference Number : XXXX, Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX keep putting information on XXXX, Transunion and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
Product: Checking or savings account

I had 6 total account at citi bank checking/savings for both my XXXX XXXX and self. One of those accounts was hacked and we noticed someone was sending XXXX and XXXX XXXX  wires from his account. Taking money out his savings placing it in the checking and continue from there. We lock the card and accounts to stop the transactions, the bank supposedly open a case to investigate. Advice that we closed those account and open new ones to be able to transfer his money. We did all as advice. At that point I was locked out my online banking. I went back to the branch to get this fixed and this is where they told me they could no longer do bussiness with me do to a 2 checks deposit with no funds to the checking account we had already closed. Not only this didnt make any sense but they was now holding all my funds, and my XXXX XXXX accounts. But they was not even giving me the option to open a next account. I spend hours on the phone trying to get some answers, requesting call back from manager or supervisor that can explain the why I was being banned from the bank or who was I going to be able to get my funds ( 4days later now no call back ), went to the branch a few times they try calling on their end all they was getting is they was not to do business with me. I end up making an appt with the branch manager after explaining and the other clerks involved vouching for me she was able to release some of the funds but still her client service was telling them not to do business with me nor open new accounts nor anything. I keep calling no one on their customer service was understanding my point all they keep talking was about the checks I do not know where from, they not talking about day before this I had reported this fraud, nor they acknowledging I was the victim here and they was victimizing me even more by holding my money that was not even in the accounts with the issue. And that no one could help me or call me back to give me any answers. Attached are some of the emails we still gettign on an account thats been close still hackers accessing it and making transactions. And the ones we was noticing and the reason why we made the report on the first place and they still allowed this hackers to keep going in the account. How is that our fault as clients?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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. This CFBB Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Money transfer, virtual currency, or money service

I told cashapp that money kept coming outta my account multiple times and they never investigated it and never gave my money back then cashapp started taking money and putting my account in the the negative a XXXX and no matter how many times I pay it they take it and do it again
Product: Credit card or prepaid card

Good Afternoon Back in XX/XX/2021 I tried to make a cash advanced {$2000.00} + {$60.00} Serv Fee on my credit card to my bank account, apparently was done the wrong way and the money. 

The credit card number is XXXX XXXX PenFed, I submitted various request for information and they informed that because the bank never received the payment, I still have to pay for the {$2000.00} even that i never received in my account and is holding my credit line. 

The only response the I got was back from PenFed in XXXX and they are waiting for the bank to reply and denied the funds ( XXXX XXXX XXXX XXXX  ) it may take between 4-6 weeks since my first complaint in XX/XX/2021. 
Can you help me resolve the issue Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a thorough investigation into the reporting of my account, which has been marked as late on multiple occasions across all three major credit bureaus. 

Account Details : XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late XXXXXXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late The negative impact of this reporting became evident to me following a denial for credit at XXXX , with the reason explicitly cited as the negative marks originating from your reporting. This incident has raised serious concerns about my future ability to obtain credit.

In accordance with the Fair Credit Billing Act ( FCBA ), which stipulates that consumers have the right to request and obtain information about their accounts that have been reported, I am hereby requesting all pertinent information that your company has used as the basis for reporting my account as late. This includes, but is not limited to, payment histories, dates of alleged late payments, and any correspondence or notices sent to me regarding late payments. 

Given the serious implications of this matter on my financial health and creditworthiness, I expect that thirty days is a reasonable timeframe for your company to respond to this request. Should you be unable to provide the requested documentation, or if it is found that the negative reporting was indeed inaccurate, I kindly request that all such inaccuracies be rectified and that the incorrect information be deleted from my reports with Experian, XXXX, and XXXX. 

I trust that your company will address this matter with the urgency and seriousness it warrants. Thank you for your prompt attention to this request, and I look forward to your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps taking point from me after taking balances down to 1 % or XXXX dollar amount.
Product: Mortgage

Hello, Reaching out for waiver of late fee charge - {$49.00} applied on my account as my regular payment of monthly mortgage payment on XX/XX/year> was posted against Principal instead by Roundpoint Here is the context : Loan Number - XXXX Name - XXXX XXXX Property Address - XXXX XXXX XXXX XXXX, XXXX NC XXXX Contact # - XXXX I made a regular monthly mortgage payment on XXXX XX/XX/year>. My standard monthly mortgage payment is {$1200.00} but accidentally the monthly mortgage payment made was {$1200.00}. XXXX cents were accidentally missed as part of making the payment from my bank bill pay. As the amount was not exact $ {$1200.00}, the payment {$1200.00} though made for monthly mortgage but instead it was posted against the Principal by Roundpoint. As organization posted the payment against Principal, it was marked that I missed making the regular monthly mortgage payment and late fee of {$50.00} was charged to my account. 

As soon as I came to know about this miss that my monthly mortgage payment was XXXX cents short, I immediately made a payment of {$1.00}. I paid XXXX dollar as I was not sure if a denomination less than XXXX dollar can be transferred from my bank to Roundpoint. So by XX/XX/year> - monthly mortgage payment {$1200.00} plus {$1.00} was made. I spoke with Roundpoint mortgage team and the entry of {$1200.00} applied to the principal was reversed and applied towards monthly payment.

After posting of monthly payment was being fixed, we spoke with different members from Roundpoint team. We told them that we have a spotless paying background and we have not missed any mortgage monthly premium payments earlier not just with Roundpoint but with any other mortgage company in the past as well. Even this time, all that we missed from the monthly mortgage payment was XXXX cents and not the entire monthly payment. Every time during our call, we were assured that Roundpoint understands the situation and that the late fee was waived. 

In the latest monthly bill we received yesterday for statement date XX/XX/year>, we still see the late fee. Can you please waive this late fee as mark of good customer service? We are being penalized with {$50.00} late fee for missing only XXXX cents in our mortgage payment is very harsh decision. If we had missed the entire payment, I would have understood it, but we judiciously made the monthly payment but instead of XXXX we posted XXXX i.e. XXXX cents short. 

Please waive the late fee and confirm. I will sincerely appreciate this gesture and it will increase my respect for your company to support and stand by me when I make a XXXX cents mistake. 

Thanks XXXX XXXX XXXX We laready did email to XXXX and CEO XXXX But no response
Product: Mortgage

I established a HELOC with US Bank. I have XXXX loans under this line of credit. 
I called to unlock and relock all XXXX loans under a lower interest rate and was instructed to do this online. As instructed, I unlocked and relocked all three loans seperately with estimated payments to be approximately {$300.00} less monthly than previous. I later discovered instead of following my instructions, US bank unlocked the XXXX loans and consolidated it into one and did not relock at the interest rate at the time. Upon discovering the error when payment was due, I calling US Bank and was initially told they had no records of my accessing my account and making these changes, only to later be informed there was a problem with the online system and that they would recitify the problem manually. Some time later, there is no resolution, and my monthly payments have jumped over XXXX monthly than what payments were at the higher interested rates. This is fraud and gross incompetence.
Product: Money transfer, virtual currency, or money service

I look at my taxes this year because its my first time doing it n they tell me someone filed my taxes and received my money so I looked it, n by the looks of it its seems like identity fraud
Product: Credit card

I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.
Product: Credit card or prepaid card

I called Capital customer service to tell them I will be working in XXXX for most of year and need XXXX XXXX  code sent to international number. Agent indicated that not possible. 
I asked if she could verify me to get into account while I was on phone with her, she said only code to XXXX XXXX can open account (! ) All my banking and credit cards send code to international number I replaced in website or email to get code. 

Capital is so inflexible for XXXX XXXX I would like to urge management to be flexible for international travellers to get XXXX vis other means ( email or a non XXXX number In addition allow an email address for customer service to access because of time differences not easy to call Please resolve this issue as I have stopped using CapitalOne until more reasonable response is proposed. 

Please send me last two months XXXX XX/XX/2022 ) of my statements to me on line as I can not open to check my statements