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

My credit card with Home Depot is issued by Citibank. The credit card company is not sending my all of my billing statements. When I have a XXXX balance or have a credit balance, I am not receiving my statements for the following month to show that the company received my payment or issued a credit to my account. If I have a XXXX  balance, I should receive my statements to show all of the transactions for the previous billing cycle. I did not receive either my XX/XX/2020 statement or my XX/XX/2020 statement. 

When making a payment at a Home Depot, the company will only accept my check if I do an electronic transfer instead of using ACH. Missouri law states that I must agree to an electronic transfer. If I choose not to, Home Depot should still accept my payment as they have done so in the past instead of trying to force me to do something that I have no legal obligation to do. Home Depot employees should be trained to know how to accept both ways.
Product: Checking or savings account

XX/XX/6000 dollars They said that they were going to let me know of a second review on releasing my funds but never called me back and I have done everything they have asked my they still havent sent the money in the mail.
Product: Debt collection

I agreed to a settlemnt in XX/XX/XXXX with this company, they automatically debit my bank every two weeks, the settlemt is to complete XX/XX/XXXX, now they are trying to say i defaulted but they have never called me or sent me a letter, and they have contunued to defuct money from my account, i found out by a threatening email to sell my account, i have called to talk to manager XXXX XXXX and left numerous messages but she will not return my calls the only time i missed a payment was in XXXX when i had covid and i called them and the rep never mentioned on the phone that my settlemt would no longer be honored, they are still continuing to auto debit my account according to the settlement, if the settlement was not honored they should have stopped debiting my account but they continued XXXX still continue to this day
Product: Mortgage

My name is XXXX XXXX I am the heir to The Estate of XXXX XXXX XXXX and I have tried to get the loan placed in my name since XXXX XXXX and continued to pay by money order for the home for XXXX and due to medical reasons moved out of the home XXXX of XXXX my sister 's children was still in the home at the time with God parents who did not make payments to midland mortgage so payments got behind. I moved back in home because midland assured me that I could take over loan if I moved back in. I have moved in on XXXX XXXX and have sent multiple times hardship affidaviate and everything that they needed to try to help with getting the home placed in my name and assume loan and modification because of my low income. Now they are putting the house in foreclosure and I do n't think that it is fair because they have not done what they said they were gon na do.
Product: Checking or savings account

I was contacting companies to refinance some Merchant Cash Advances and relied two offers. This guy contacted me and was going to fund me with repayment terms however her told {$5700.00} from my account claiming that it was his FEE and then refused to respond. 

He went by the Name XXXX XXXX in email with a phone number of XXXX. He also had me call these numbers for verification XXXX and XXXX. I recorded phone calls and to the best of my knowledge it is the same person. I called him back and argued about him not following up on the deal nad he pretty much laughed at me and assured me that it would be handled and that I jsut needed to put more funds in my account. 

I ended the call by asking his company name again, to which he Said XXXX XXXX and then I said and you are XXXX XXXX correct, to which he responded the one and only.. However I am aware he was going by XXXX XXXX in emails. 

He took my money and is not returning it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : ( XXXX Inquiry Date XX/XX/XXXX )
Product: Credit card or prepaid card

I was sent to the XXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX and stayed XXXX until XX/XX/XXXX of XXXX in XX/XX/XXXX I took steps to recover my chime account by updating my email and phone number to my new information so that I could reset my password to have access to my account once I went through the verification process of updating my information and changing my password when I logged in, I realized that the state of Florida had deposited about {$2000.00} of my backpay for my unemployment into my chime account and that a person by the name of XXXX XXXX XXXX, somehow gotten into my Chime account and sent the money to her own self. XXXX at the time was my girlfriend and I believe that she took one of my old cell phones and access my account that way because she did not have my card or my permission to use my account. She stole over {$2000.00} from me and when I reported it to Chime, I also submitted documentation of my XXXX the dates of XXXX, and within seven hours they denied my claim and did not even investigate is clearly showing that the charges were made while I was XXXX and I had no way to make the charges myself and I did not give her permission nor did I even know that the money was deposited into my account until I signed in in XX/XX/XXXX is when I realize that the money has been stolen
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX AND DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX AND DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I am writing to the Consumer Financial Protection Burea to seek proper handling of my claims by XXXX XXXX and Discover Bank. They have fraudlently closed my account but have refused to offer me another credit line and are refusing to acknowledge my report regarding fraud and are claiming that identity fraud case which occured did not take place. This lie has resulted in a {$6000.00} credit fraud claim loss and is an attempt to falsify and defraud XXXX XXXX like myself and discredit the investigations of the XXXX XXXX Police Department. Discover was my credit card compamy for XXXX years and instead of providing customers like myself quality investigations and reimbursement services they have dismissed my claims as imaginary and behaved in an unprofessional manner by not speaking with me prior to closing my account ( but Discover is holding my financial data XXXX and preventing me from opening other credit cards for my self employement ). On XX/XX/XXXX, I reported the {$6000.00} Discover credit card fraud loss to XXXX and on XX/XX/XXXX it was reported to me that the claim number XXXX under policy number XXXX investigation confirmed that no fraud was committed under insured credit line despite the fact that fraud did in fact take place on XX/XX/2023. Discover and XXXX 's behavior is tantamont to digital and financial terrorism and I am seeking a reimbursement of the {$6000.00} as my insurance policy with XXXX XXXX allows or a reopening of my Discover Card credit account with the previous credit balance of {$6000.00}.
Product: Checking or savings account

XX/XX/2024 XXXX unauthorized charges appeared on my card ending in XXXX for XXXX {$250.00} at XXXX cst. After I received that charge, I immediately contacted Navy federal credit union at XXXX cst to notify them of the unauthorized charge that was presented on my account. At the same time as I was on the phone with a navy federal representative, I received another notification at XXXX cst stating that my card ending in XXXX was used again for XXXX XXXX XXXX XXXX XXXX, I immediately notified the representative that my card was continuously being used and she immediately disconnected my card. Navy federal gave me a temporary credit, but soon after reversed the credit that was given to me, and denied my claim. I explained thoroughly to navy federal that I live in the state of Texas, sports betting is prohibited in the state of Texas, and its no way possible I could have made that charge as I was on the phone with one of their representatives at the same time the charge came through. I feel as though the case processors with navy federal did not thoroughly investigate my claim and simply denied it. This is alot of money for me, and I refuse to pay for something that was stolen from me. 
This card ending in XXXX is still compromised as other charges has been attempted to go through but were declined.

I have attached messages below showing the timestamps of each fraudulent transaction, the time stamp in which I called navy federal to report the fraud, XXXX, and I attached a document stating that sports betting is illegal in Texas therefore its not even possible for me to sign up on the site to begin with.
Product: Debt collection

Midland Credit Management has sent out letters to collect a debt in the amount of {$4700.00} for XXXX XXXX but I didn't authorize nor give consent for Midland Credit Management to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.
Product: Mortgage

The financial institution informed me that a person with good credit was offered a home equity line of credit with a 3.49 % annual percentage rate. My situation with this financial institution was that I had an outstanding line of credit in the payback mode at a varying rate which was the prime rate less 0,5 %. or currently 3.75 %. I was under the premise that since I knew that my credit rating was excellent presently then my loan rate should be similar to this other noted individual who received a 3.49 % rate. An appraisal was done where the financial institution had my property appraised. The appraised value was {$110000.00}. The bank then took 85 % of that amount and determined that my line of credit would only be {$93000.00} which was {$6500.00} less than the SUPPOSED {$100000.00} value needed for the rate of 3.49 %. The bank did not recognize my free standing garage as a free standing garage but labeled the free standing garage a shed. This was incorrect since my free standing garage is 20 feet long by 12 feet wide by 13 feet high. The bank was informed of this fact but refused to change the original incorrect appraisal but indicated that an inside the home appraisal would be required .Thus I disagreed with their conclusion and since my faith in the bank 's credibility was now in question. I was apprehensive about the bank giving me a better appraisal value once inside the home since both my kitchen and bathroom .would be subject to criticism since no changes were made to major appliances and real estate fixtures in 25 years. In summary the bank offered me 5.24 % after baiting me with these lower interest rates.
Product: Payday loan, title loan, personal loan, or advance loan

The company failed to make the data breach known and kept it a secret. Thus letting thieves gain access to my information and the company offers the XXXX program as a form of pay off to keeping me from pursing legal matters due to their negligence and failing to inform me of my compromised data.. I havent accepted this experian program because it does nothing and the fact still remains that my information was compromised due to them not having measures in place and also failing to inform me when they found out so I can monitor my credit. This experian programs does nothing for me or helps me because its after the fact .. Ive paid enough to satisfy their loan. Therefore if they release their lein and return my title, i will honor me not pursuing for a larger monetary sum for damages due to their negligence. If you agree to my demands, I will not push for a lawsuit or seek anymore damages. the company acknowledges my information was leaked and acknowledges that it was their fault for my information being comprised and acknowledges through their own admission and responses that they failed to notify me in a timely matter. They know it is their fault that my information got accessed and financially ruined me. Besides the car doesnt have a engine right now and is currently at a auto shop incurring storage fees, and Im informed that the mechanic will put a lien on also, so now Ill be stuck with two liens.And lets mention the dangerous tactics their repo company had used the other month to cause danger to me and other drivers on the road with their aggressive following tactic 's. And not adhering to breach of peace law they have broke many times.
Product: Mortgage

on XX/XX/2019 my next door neighbor 's house was on fire, the fire came across the property line and both houses suffered " bad '' fire damage. Both homes are attached by a property line wall - sometimes called 1/2 twin or duplex home. Both of us have the same bank PNC Bank and are required to have insurance to cover the houses if we have a problem. the two houses together have over {$500000.00} worth of insurance. the problem is that PNC bank has not followed through and gotten the repairs done to both houses. I have called and complained and at this point I have started putting comments complaining on PNC advertising. They said they would get back to me but they still have not days later. Over the months I have spent more than 12 hours trying to get the insurance claims office to get work started on the house next door Pnc bank says since I do not own the property they will not give any information. I started some repairs in XXXX  when the virus opened up the work field but repairing a house with a " fire pit '' next door is useless. I have had calls from the insurance claims department and they leave a PNC number to call back but it is not the correct department -they are trying to avoid my calls. I am homeless for more than a year - my insurance is running out I need my bills, rent food etc due to the fire paid and Pnc still has not made anyone get the house fixed. I did threaten PNC that I would go to the FDIC and basically they laughed at me. I am not happy that I have to pay my mortgage, insurance, taxes all the expenses as if I live there and the bank - refuses to get the houses fixed. it is not fair -- - how will I pay my bills? and get back into my house? PNC should make sure the buildings are fixed in a timely fashion if they make us buy insurance. Oh they have an insurance claims office and they call me every 25 days and ask what work has been done on my home -- and when I ask about next door they say they can not comment -- - that bank is taking my mortgage money and using it for their investments and they do not help or try to get my home repaired so I can move back in. oh they have said at least 2 times they would investigate and send me information- the information they send me is a list of all the different accounts and things they can do for a customer at PNC nothing that a complaint has been filed and a bank employee will investigate my questions and get back to me they also say I have to submit all information on this complaint if I forgot anything it is because of my age and the fact I am not a lawyer or accountant so you should be open to help me fix my complaint and get my house rebuilt there are so many more statements I should put here about not being able to get my house fixed I am adding this - as I get information - I am in a hotel room being exposed to covid 19 virus and have no file cabinets I have to search for a copy of my PNC bank loaXXXX XXXX my life destroyed - and I do not have any of my memories or furniture and my life will never be the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Student loan

I have a student loan under Mohela for Public Service Loan Forgiveness. XX/XX/XXXX is my XXXX qualifying payment. My employer is filling out my final form for me to submit and get verified for forgiveness. Mohela tried to tell me XX/XX/XXXX is an ineligible month because of forbearance they gave me. Previously Mohela failed to send out bills in time and the US Dept of education put the loans in forbearance with no payment due until XX/XX/XXXX. Yet it was very clear terms the Department of Education and Mohela stated these time periods will count as eligible months of service towards forgiveness. XXXX did show up as an eligible month yet they tried to pull a fast one with XX/XX/XXXX which should be my XXXX eligible payment towards forgiveness. Once processed my Public Service loan employment verification form for XX/XX/XXXX my loan should be forgiven. I am also contacting the President who previously forced Mohela to straighten out my count and your agency etc.
Product: Checking or savings account

I was charged a monthly fee for only a second time since I opened chase checking bank account in 2014. I have recently downgraded my account to total checking account with XXXX $ monthly fee unless I meet certain requirements. On the site it looked like one of the option to waive the fee is real time payments in the total of XXXX XXXX I received XXXX $ through XXXX on XX/XX/XXXX and I was sure I met the requirements. However chase has charged me XXXX $ on XX/XX/XXXX. I went to the branch and I also made telephone calls and secure messaging with chase in attempt to understand the problem and to reverse a fee. The representative on the phone explained that if I use XXXX to qualify the amount of money received should be totaling in XXXX XXXX This was a surprise for me because nothing like this was mentioned on chase site. If I knew I would, of course make sure to receive XXXX $ XXXX payment instead of just 3 thousands. Anyway I shared with agents my frustration with the fact that such important condition was hidden and it's exactly what made me so confused. Because in the previous months I happened to receive over XXXX $ XXXX payments and I was never charged a fee so I was sure that qualifying for a fee waiver is definitely possible with just receiving XXXX payments. But nowhere would chase specify that the amount should be XXXX $ so I obviously had no way to foresee that I'm not meeting the requirements this month. Unfortunately chase refused to be flexible and reverse the only second monthly fee that I ever asked to reverse since opening account in 2014.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Noncompliance Under 15 U.S. Code 1681o Dear CFPB I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). The disputed items are outlined below : Disputed Items : XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance ( {$690.00} ) XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance and account information ( {$890.00} ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Incorrect account / fraud Under 15 U.S. Code 1681o, credit reporting agencies are liable for negligent noncompliance with FCRA requirements. By law, you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days of receiving notice. I believe that your failure to maintain accurate records and address prior disputes demonstrates negligence, as described under this statute. 

To address this matter and avoid potential legal consequences, I am requesting : A full investigation into the accuracy of the disputed items. 
A copy of your findings, including the specific steps taken during the investigation. 
Removal or correction of the inaccurate information. 
Attached, you will find copies of documents supporting my dispute, including [ list attached items like a copy of your credit report with highlighted errors, billing statements, etc. ].

If you fail to comply with this request or provide a satisfactory resolution, I reserve the right to pursue all remedies available under 15 U.S. Code 1681o, which includes seeking damages and attorney fees.

Please provide written confirmation of your receipt of this letter and your investigation results within 30 days, as required by law. You can send your response to my address listed above or contact me directly XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX