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

I closed my XXXX XXXX account a while back over the phone. They didn't close my credit card account, even though I told them to and I had a reoccurring payment from my XXXX XXXX XXXX that I " missed '' the payment for, even though my account was closed. I disputed this with XXXX XXXX, and they agreed that it was not my fault. XXXX XXXX is paying me back the " missed payment '' of $ XXXX XXXX finally closed my whole account on XX/XX/2020. They have handled this very well. Below is the email I received. 

" I received your email about balance on your account. Your concern is most certainly understandable. 

The $ XXXX is a credit balance. A credit balance is an amount that is owed to you. 

The following credit balance refund options are available : * Transfer We can transfer the funds to your XXXX XXXX checking or savings account. You'll need to provide us with the account number in your request. 

* Check We can mail a paper check to the address on file. Please verify that your address is correct before submitting your request. You should receive the refund check within 14 business days. 

To submit your request, please reply to this email or call us at the number on the back of your card or on your statement. You can also select the " Contact Us '' link above. 

Thank you for your business. We're happy to have you as our customer. '' I disputed this with Experian and my credit has not changed. I have never missed a payment in my life, so my credit should not be poor because of this. I would love help on this. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband was getting a personal loan he was told he would get XXXX XXXX dollars the man on the phone wanted my social security number. He did not say he was going to pull my credit.. and to top it off the loan was denied even though my husband and I got letters saying otherwise this happened the XX/XX/XXXX I spoke with the credit union and they said they were going to send a letter to the credit company to try to have the hard hit pulled but it is still there please help
Product: Credit reporting, credit repair services, or other personal consumer reports

If you look at there report XXXX they made an assumption of contact even thought my credit report said on XX/XX/XXXX XXXX I was in XXXX This was atleast a few months later after they purchased the alledged debt. In this report they said they didnt receive a validation request obviously because you mailed the letter to a XXXX XXXX when I was in XXXX XXXX this assumption it your error not mine. Under the law you must not assume contact you have to provide proof of contact. Please provide proof that I received the letter I have provided proof of address and court disposition of sentencing stating I was in XXXX  XX/XX/2016 .. your company is clearly violating the law with out no accountability. Secondly any debt I had is over 7 years old remove the debt. And I have not been given my credit file contract or payments also in clear violation. I dont need it provide it to the credit reporting XXXX since they seem to believe your company is in good faith investigating the matter.. I want everything payments binding contract .. with the original creditor
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see XXXX XXXX, Transunion account summary ). 

XXXX never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from XXXX ( see XXXX Inbox ). 

My XXXX student loan was improperly reported late to credit bureaus and XXXX and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.
Product: Checking or savings account

This complaint is about Navy Federal Credit Union and it's lack of willingness to assist it's military family members correctly. I'm a senior with multiple health issues and was just released from the XXXXl for XXXX and is XXXX XXXX and XXXX. As a favor to me my sister is a caretaker for our family she deposited money into my NFCU account but the deposit and transaction didn't complete the location of NFCU is solely an ATM location the ATM machine didn't process my deposit and show that it went into my account. It was a drive thru ATM in the outside. So it didn't return my money either it says for us to contact NFCU this location also has a inside ATMs so she goes inside to try and get my money back but the ATM wouldn't return my money. I immediately contacted NFCU to file a claim and told them what happened. NFCU did an investigation and then credited my account for {$450.00} dollars. But the weeks later unknown to me they overdrew my account saying I owe them the {$450.00} back to NFCU my own money. They're claiming they didn't find any money. No letter no phone call nothing and they also took a small check that was deposited from my part job that sends a check via direct deposit. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money. But one fraud prevention agent suggested that NFCU may have looked at the wrong ATM machine but I requested another appeal this my own money that they're coming after me for all because the investigation was not conducted properly this NFCU ATM location has ATMs drive thru where my money originally was deposited but not processed into my account and they have inside ATMs my money is there. But now these people are treating like I'm a criminal and I'm XXXX XXXX just having been XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I deposited over {$52000.00}. In Chase Cashiers checks and they are refusing to give me my money although my address and Identification have not changed.
Product: Credit card or prepaid card

This complaint is a continuation of CFPB Case XXXX. 
The complaint to the CFPB seemed effective - I have received a reply from Capital One in XX/XX/2021 that they would reopen my account. 
I was sure that they would make good on their official response to a federal regulator, but already half a year (! ) I am trying to reopen my account, as they have committed to the CFPB, but with no avail. 
When I call agents and their supervisors, this " commitment '' is not in the system, I receive a response that the account is closed and there is nothing that could be done ( for instance, a conversation from XX/XX/XXXX, with supervisor XXXX, agent no. XXXX ). 
I have to say that as a lawyer I am very much surprised by the treatment of a XXXX XXXX XXXX to its commitment to a Federal Regulator. 
I hope you will be able that Capital One would treat more seriously its commitment to a Federal Regulator such as the CFPB, and will execute its commitment to open my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've been having issues with all three credit bureau 's and the practices that they are using to verify account and allowing someone to still make inquires without contacting me due to me putting a fraud alert of my credit account. I keep sending letters about addresses, as well as collection accounts and names on my consumer report that are not mines. I've called and requested that they remove an address that is not mine XXXX XXXX XXXX XXXX XXXX Indiana XXXX. Also the credit bureau 's are required to report correct information on all three bureau 's and they are not. I have attached letters as well as my credit report with this information.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : OCWEN XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

After the passing of my XXXX XX/XX/2021 the company sent a condolence letter in XX/XX/2021 after which i requested an extension in order to keep the home, i was never told i had 180 days automatically and then they failed to follow the care act guidelines and updated HUD guidelines which would have afforded me an additional 180 day extension for a total of 12 months. Instead they started foreclosure proceedings in XX/XX/2021 and refused me a 90 day extension claiming they received documents on XX/XX/XXXX of my intension with the property when in fact they received the documents on XX/XX/XXXX. And they claim they were due XX/XX/XXXX even though this was still not the proper procedures extended by HUD. I would like this issue escalated to HUD and the Justice department for improper servicing of a HUD backed loan. I have attached a copy of the sign they received where they claimed no address or contact number was on the sign. I also attached a copy of the date stamped email.
Product: Mortgage

On XX/XX/2018 I was contacted by a male who stated he worked for loan care and then asked for my SS # and Phone password. I asked whom was calling. The individual then became rude and stated, " Ma'am I'm calling from your mortgage company and I'm pretty sure you've had to answer these questions before. What is your SS # and phone password? '' I replied, " No sir I have not had to answer these questions before and I'm uncomfortable giving out that information without knowing what this is about. '' He stated, " You can call back and get the information. '' I immediately went online to view my mortgage status as I believed the gentlemen to be a scammer based on his general rude and demanding demeanor. Not to mention I have never been contacted by mortgage company via phone before. I have always made my payments online and on time. Any prior communication via phone as been initiated by myself. 

Upon reviewing my account I noticed it showed that I had not yet made my XX/XX/2018 payment. I have attached both a copy of the email from my mortgage company, Loancare, and my bank statement showing that I had made my XX/XX/2018 Mortgage payment and it cleared my bank account XX/XX/2018. I would like to also point out that on Loancare 's email they have me making a payment of {$1500.00}. However, you can see by my bank statement that the payment made was in the amount of {$1300.00}. 
The difference in actual paid amount and what email Loancare is further evidence of Loancare 's deceptive trade practices. 

I called to find out what was going on and was told that I was a month behind on payments. As I spoke with the gentlemen reviewing my account he told me I never made a XX/XX/2018 payment. ( please see my bank statement as proof of XX/XX/2018 & XX/XX/2018 ). I tried to have the company review my account. However, each individual I speak to continues to read only what they see right in front of them instead of reviewing my account realizing their error. 

I need immediate assistance as this company is getting ready to put this bad review on my credit report. Any help would be greatly appreciated. 

Thank you, XXXX XXXX XXXX
Product: Prepaid card

I purchased the cards ( 4 vanilla gift card visas each {$500.00} which totaled {$2000.00} ) XX/XX/. Upon getting home 15 minutes after purchase I went to open all the cards and activate them for my childrens XXXX gifts. It was at that time I realized all 4 cards XXXX codes were completely scratched off under the sealed package and glued back together to look untocuhed. I contacted vanilla giftcard dispute immediately to cancel those 4 giftcards and get a replacement card in time for XXXX. They said my cards all still have the {$500.00} on them so they would be able to block those cards and issue new cards that would come in 10 days with the full funds available since they were still unharmed just the physical cards was damaged. 

10 days go by on XX/XX/XXXX my new cards come in the mail and I got to activate them but all the cards except one say they had {$0.00} available and the last card said it had {$5.00} pending but the other {$490.00} was spent. 

I called vanilla gift card immediately and asked where my funds were if they promised the money would be sent in the new cards sonce the old cards were cancelled 15 minutes after purchase when I called them to inform them about the XXXX being scaratched off. They said they were not sure what happend to the new cards but now I would need to do a dispute on the cards transactions bc they were used and spent even though i never had the new cards in my hand until XX/XX/XXXX  and they were not activated until I called that same day and they were already spent. 

They had me email dispute information of proof of purchase, activation codes on receipt and my ID and the original damaged vanilla goft cards. 

Since XX/XX/XXXX i have contacted them weekly in email and phone call form but they have not reissued my funds of {$2000.00} which they said they would be doing in 4 weeks. They do not email me back and have not verified they received all the requested information. They just keeps telling me to wait but no end date in sight. 

I really need my {$2000.00} back as I had to use savings to repurchase the gift cards else where for my kids XXXX gifts. 

I need help this is insane it can not get help anywhere to get any information and I have no money left now. 

Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has violated my credit consumer report in violation of 15 U.S. Code 1681b I did not give consent to furnish this fraudulent account
Product: Credit reporting or other personal consumer reports

I have tried to reach out to these companies to let them know that i do not owe them, but i am unable to get anything processed. I do not have any payment arrangement with these collectors. 

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

My credit report from XXXX XXXX XXXX XXXX and XXXX shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX said my social security number has been compromised on the XXXX web
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.
Product: Credit card

Citibank closed my account without notice or reason, citing they may do so at any per the cardmember agreement. I paid a {$350.00} annual fee to use this card account. I should receive a prorated annual fee for the unused portion of this cardmember year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix the issue with the credit bureau and they continue to report unverified and inaccurate data on my credit file.
Product: Credit card or prepaid card

My Citi Bank credit card was charged XX/XX/XXXX several transcations in XXXX Colorado by people unknown to be. 
The charges were as follows : XXXX. XXXX XXXX XXXX CO XX/XX/2023 ; Disputed on XX/XX/2023 {$110.00} XXXX. XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$210.00} XXXX. XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$210.00} XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$220.00} XXXX. XX/XX/2023 XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$330.00} XX/XX/2023 When I noticed the fradulent charges, I locked my card and informed Citibank immediately. Citibank then send me documents to fill out and indicate whether I had been in Colorado or whether I had authorized people to use my card. I wrote that I was never in XXXX nor had authorized anyone to use my credit card. Citibank then investigated further by contacting the merchant who wrote that the authorized signer is known by the cardholder ( i.e. myself ) and that the signer is a member of the cardholders household ( i.e. my household ) both of which are not true. 

Solely based on that information provided by the merchant Citi Bank concluded that the merchant 's statement was true and mine a lie and put all the charges back on my credit card. I am appaled that Citi Bank is using such a flawed process to determine whether I am responsible for the fradulent charges. I can prove that I was never in XXXX Colorado during that time as I was working where I reside, far away from Colorado, and that I do not know these people. How would the merchant be abla to say that the people who used my card are known to me or part of my family? Instead of making a decision on real eveidence, Citi Bank arbitrarley makas a decision by solely relying on the merchants statements.
Product: Mortgage

so ... here is some fraudulent paperwork I have asked the company about but to no avail do I get an answer ... no ... you can clearly see XXXX set of papers no scribble scratch on top left corner ... clearly endorsed by decision one mortgage ... these are from XXXX ... next set..some scribble scratch top left corner ... certified true copy ... its says ... no readable name ... no date ... and clearly decision ones signature disappears ... these are from XXXX ... next set ... clearly top left ... scribble scratch has disappeared ... and clearly decision ones signature appears again ... this is XXXX ... decision one has been put of business since XXXX ... .this is clearly wrong!!! looks to me like someone is made up papers to get my home with!!! i have more too ... let me get answers on this first ... thank you!! and this stuff is now going out everywhere bc the company will not answer me!!! I tried
Product: Bank account or service

I started a saving account with Bank of America ( BoA ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied multiple times for a credit line increase with one of my credit card companies, XXXX XXXX. Each time I have been given the denial reason as being that there is a presence of a missed payment on an account, credit card, or revolving account. It also states that they made the decision based on information from Equifax. I checked my Equifax credit report and I show no delinquent accounts. All of my active revolving accounts are in good standing and I have no accounts in collections on Equifax. I need this to be investigated because there is no reason I shouldnt be eligible for the credit increase based on the incorrect reasons given.