23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was made aware of the collection account after I had received an adverse action letter in the mail because of this negative account reporting. When I checked my credit report I saw this collection account reporting. I called to dispute this debt but ended up settling. But that was not an admission of guilt to the debt I just wanted to get it resolved. I never received the dunning letter that I read online that I suppose to receive letting me know I had a right to dispute this account within 30 days. However, I agreed to pay this account with the promise they would remove it. But the debt collector misrepresented the account and mislead me to believe that by paying the account it will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the emailed sent to Navy Federal Credit Union on XX/XX/XXXX. 

Hi Underwriting at Navy Federal Credit Union, WE ARE APPALLED by the request for the additional documents requested today ( 3 business days before our scheduled close date )! The documents you have requested today have been provided to you on XX/XX/XXXX. 

We will be filing a complaint to the VA and providing them with all communications regarding this process. Because of either lack of resources from Navy Federal Credit Union or zero care for Veterans rights, there has been irreparable harm to the both Veterans, XXXX XXXX and XXXX XXXX ( Seller and Buyer ).
Product: Checking or savings account

My account was withdrawn for over XXXX dollars and was taken and transferred to my XXXX XXXX account and then transferred using bitcoin they refused to refund due to the fact that it was used on that method being waiting for the XXXX XXXX  lawsuit to get my money back plus the inconvenience lawsuit I lost my bank accounts over this and charged for the amount of XXXX and both my checking and savings were closed and charged fees I need help with this.
Product: Credit card or prepaid card

On XX/XX/2019 I contacted Citi because I was showing a minimum amount due of $ XXXX+ due to my card being over the limit. In speaking with several representatives I was told that the minimum showed as such because they wanted customers to bring there card under the limit, however ; the true minimum was {$150.00} and that they dont " advertise '' that to customers on their statements. I find this practice to be deceptive and not hold true to customers expectations of transparency.
Product: Credit card or prepaid card

Starting in XX/XX/XXXX Wells Fargo started sending me statements in the mail for a credit card I had paid off and closed on XX/XX/XXXX. These statements showed a credit limit of {$4300.00} but I had no credit card nor any access to this account. The statement showed I owed them over {$2000.00}. And without my permission they began taking the amount of {$46.00} per month out of my checking account at a different bank. When I called them about this they gave me information to access my old credit card account online but I was unable to access this account online. I called several times to explain this account was paid off and closed and to stop but Wells Fargo never complied with my requests. I continued to let them remove the payments from my account so my credit score would not be affected.

In XX/XX/XXXX I changed banks and now Wells Fargo is demanding payment for an account that was paid off on XX/XX/XXXX and showing me as late on my credit report. What they are doing is fraud. On my credit report it shows this credit card account was opened onXX/XX/XXXX and closed on XX/XX/XXXX. I have written a letter to Wells Fargo with a copy of the credit report and letting them know I have contacted the Consumer Finance as well.
Product: Credit card

Hello, I have Costco citicards, ending at XXXX have a refund issued from XXXX to Citicards for {$1400.00} on XX/XX/, with release authorization XXXXCiticards has authorization hold and have not released to my account for credit - {$1400.00}. 
Multiple attempts to customer service number XXXX result in flat denial of such authorization and refuse further investigation. 

Thank you, XXXX XXXX XXXX Phone number and address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is same as on Citicards ' record.
Product: Checking or savings account

XX/XX/XXXX opened the account and made a deposit, it was available XX/XX/XXXX. but then took back out of the account on the XXXX. and was closed and blocked for 10 days after this, i recieved the reference number via mail to open it back up. well i then made a deposit of a check which is in my grandmothers name but she was supppsed to be a authorized/joint account holder on my account which i made this update on XX/XX/XXXX shortly after opening the account. So i did this over the phone with a representive XXXX TO BE EXACT. Conversation lasted until XXXX and i was told it was added. ( the name ) So account was blocked from XXXX. I finally recieved card and pin number, and made a deposit they then closed it because it was a third party check. even with me emailing the power of attorney form they claimed they never recieved, so now im having issues with this and i shouldnt be i was told to call and verify that i made the deposit and then was gave the run arounds and was told my account was closed. i am not at fault for this and since i took all mecessary and legal steps for this i should not be having issues getting my funds if anything i should have the choice to close my account and get my check of the balance mailed to me. please get back to me asap this is so unprofessional and frustrating. thanks
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Vehicle loan or lease

On XX/XX/2023 XXXX received a Payoff Quote in the amount of {$9600.00}. On XX/XX/2023 I refinanced my vehicle through XXXX and a XXXX 's dated XX/XX/2023 in the amount of {$9600.00} was mailed certified. On XX/XX/2023 Fifth Third Bank received and deposited my payoff check. 
To date, these funds have not been applied to my account and l have been making XXXX car payments for the same vehicle. I have called their Customer Service line on XXXX occasions and have opened XXXX service requests. As instructed by their Customer Service Department l have faxed the cleared XXXX 's check with their endorsement on the back on XXXX separate occasions. On XX/XX/2023 l received a letter from Fifth Third stating that at this time Fifth Third is unable to process my request due to insufficient information or due to the current status of my loan. I was instructed to call Customer Service. I called their Customer Service Department and was given a list of excuses as to why my check hasn't been applied to my account which included that l mailed it to the wrong mail drop, even though I mailed it to the mail drop provided on the Fifth Third Bank Payoff letter. I was then told that because mailed it to the wrong mail drop, the check was shredded. The Customer Service Representative instructed me to request another payoff and submit funds again. This Customer Service Representative told me that l would not be reimbursed for all the payments I have been making over the months since the check was received and deposited by Fifth Third Bank. 
Fifth Third Bank has deposited my check and is refusing to apply the funds to my account.
Product: Checking or savings account

XX/XX/XXXX opened a savings secured line of credit account, I took {$1000.00} ( collateral ) from my account to open this account, to establish my {$1000.00} credit limit and to help build my credit. The bank was not reporting accurate and timely data to the credit bureaus and it was not helping build my credit. XX/XX/XXXX, I went into one of the local branches to closed the account because it was not serving a purpose. XX/XX/XXXX I went back into the bank to receive/collect the {$1000.00} reimbursement for the closing of the account. The teller ands the bank manager that closed the account on XX/XX/XXXX mistakenly took an additional {$1000.00} out of my account, instead of refunding the {$1000.00} due me. After multiple calls to the customer service number and chat lines, I was told to go back to the bank and request the release of the hold that was on the money. It's now XX/XX/XXXX, I have been given the run around since XX/XX/XXXX about the return of my {$1000.00}. Multiple phone calls have been made to a couple of bank managers and no one has returned my phone calls or provided the status of when I should expect the return of my {$1000.00}. I just want the reimbursement and return of the {$1000.00} collateral I put up front to open the account.
Product: Credit reporting or other personal consumer reports

I was shocked to find accounts on my credit report that I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely unacceptable and must be corrected immediately. I need to know how this happened and why my report contains inaccurate information that is harming my financial profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. XXXX has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXXXXXX XXXX XXXX- # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue XXXX for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from capital one on XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard  inquiries on my credit report which is affecting my credit score
Product: Credit reporting or other personal consumer reports

What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Credit card

I have had a credit card with Citibank for years. Some years back, I added an " authorized user '' to my account, and Citibank issued that person a card. That person never signed an application, and is not a co-borrower. 
I was shocked to learn that Citibank is reporting this balance under the " authorized user 's '' credit report, even though this person has XXXX liability to pay the account. 
I called Citibank to correct this, and they told me it is their policy to report balances for ALL users authorized on an account, REGARDLESS of legal liability on the account. 
I informed them they were in violation of the FCRA, and they basically said, " tough. '' I would like to file a formal complaint to have Citibank stop this deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. showing on my credit report.
Product: Money transfer, virtual currency, or money service

0n XX/XX/2023 my phone was stolen and money was taken from my cashapp and it wasnt returned. And my first claim was denied by cashapp company.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address an issue that has come to my attention regarding a fraudulent account on my credit report. Upon reviewing my file, I discovered an account listed that I did not open, authorize, or have any knowledge of. This account is a direct result of unauthorized use of my personal information, and I am taking immediate steps to ensure it is removed from my credit history.
Product: Credit card

I have an American Express card with a 0 % interest period through XX/XX/2024, but American Express has been charging me interest for several months now. I have asked for them to stop charging me interest and refund the previous interest charges, but they have refused.
Product: Mortgage

Roundpoint mortgage, like all mortgage companies, is required to refund my overpayment to me within 20 days of closing. They took 34 days to write and mail my overpayment check and I still havent received it 6 weeks after closing. They say I need to wait for it to come in the mail still and that they had trouble getting them out in a timely manner because of some escrow review issues they were having in house - not involving my loan specifically because I dont have my taxes and insurance escrowed. They got all the checks out late last month which is unacceptable.
Product: Credit card

On XX/XX/year> I contacted American Express to enroll in their hardship program to lower my minimum monthly payment to {$74.00} and per the agreement I had to make the first monthly payment on XX/XX/XXXX which was satisfied. The agreement states that the next monthly payment would be withdrawn on XX/XX/year> but Amex withdrew a payment on XX/XX/XXXX without my authorization which overdrew my bank account. I spoke with them 5 times and they put it in writing that they would refund me because it was a mistake on their end but I havent received a refund. Every time I call them they tell me a different story about refunding me and I even asked them to apply the refund to my upcoming payment. They also refused to pay the overdraft that they caused. They tell me that theyll have a manager call me and nobody calls and they refuse I return my money.
Product: Mortgage

In late XX/XX/XXXX we used XXXX XXXX to find a competitive offer. We were subsequently contacted by XXXX XXXX of XXXX XXXX XXXX  XXXX with an offer to borrow at 3.875 %. We submitted the requested personal/financial info on XX/XX/XXXX and were soon notified that the loan was approved. Fast forward 2 months to mid-late XX/XX/XXXXafter much follow upon our part and we're asked to sign closing docs at a significantly higher rate that we only happened to notice in reviewing the docs closely. I REPEAT, NO PERSON EVER COMMUNICATED AN ADJUSTMENT TO THE ORIGINAL TERMS yet we were told to sign and return electronic signatures. 
I brought this to the attention of MB senior mgmt and after more than a week their best offer was for me to pay additional $ to buy down on a rate higher than my current mortgage. 
This is not acceptable to me and I request a better compromise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

XX/XX/2020 I open up an email from Wells Fargo asking me to contact them about an account. I am working so I have to wait until I get home. I also have a letter from them waiting for me in my mailbox saying if I need assistance to please contact them. 

I log in to my account and it says my payment is 20 days late. I have never missed a payment so I was very concerned. I called them and after being transferred to 6 different people, someone tells me that they disabled the auto-debit I had set up for payment for this account because of the recent tornado in my area of Tennessee. 

I try to get an explanation as to why they would do this but still try to say my payment is late because they turned off how I pay it. They didn't have a very food answer. I asked them if the late account would be reported late to the credit agencies and they couldn't answer that either. I wanted to let someone know that they are randomly disabling auto-debit for payments and claiming " disaster relief '' but not letting anyone know they are doing it and not waiving the ability for payments to still be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus XXXX, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit.

They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from Portfolio Recovery in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.
Product: Mortgage

Home Loan # XXXX I have respectfully been requesting Wells Fargo Bank and XXXX for over XXXX year since XX/XX/2022 to current to please Modify our Home Loan only to keep getting lead on with series of delays after submitting the requested documents multiple times. Wells Fargo Bank keeps asking the same repetitious questions even though I have submitted all the required documents several times. Currently they are asking the repeated questions pertaining to the exact the same documents that have been submitted since 2022 to present. 
It is very very disappointing that Wells Fargo Bank and XXXX continues to bully consumers like us. We are just a normal regular family trying to keep the XXXX XXXX of home ownership and are asking for the monthly mortgage to be affordable at around {$2100.00}, on a fixed low rate that includes the insurance, escrow and property taxes with no penalties for early payments. 
Respectfully looking forward to an amicable resolution.
Product: Credit card or prepaid card

This is my second complaint with the same issue with BBVA credit card. I'm owed a {$110.00} credit which I have asked be credited to my account in response to their response to my previous complaint. 
BBVA has provided details of a credit they insist have issued me but I have never received it. First, I never authorized them to credit my checking account. Secondly, they have provided confirmation of a transaction with XXXX on my behalf but I don't bank with XXXX. 
Speaking with their customer service yields no result and I have not been issued the credit owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint with credit reporting for my hard inquiries. customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XXXX and I found out that credit reporting agencies still indicate my disputed of items in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days to correct the inaccurate items. The following items are listed below that need attention because it was reporting error in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}