23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2024 I submitted a complaint with CFPB regarding an issue I have with Kredit Carma a few days later I find out my account has been closed for no apparent reason when I called Kredit Carma I spoke to a representative who provided me no reason or any information on why my account is closed and when I asked about a the money I have left on the account he said I have to wait for a final determination letter in the mail. I'm filing this complaint because I believe Kredit Carmas actions to be retaliatory and I know it's illegal for any corporation to retaliate against any living petson
Product: Credit card

Annual Detail Reports not available from Citi Bank Costco Visa for 2015. Citi Bank Visa will not provide complete data from the XXXX XXXX transfer for 2015. I have placed requests for a XXXX ( XXXX ) report for 2015 on numerous occasions and have yet to get an answer. They said they would have a supervisor call me back within 3 days, it is day 6 and never received a call. I called back and was on the phone for 50 minutes and was advised that once again, I would get a call from a supervisor in 3 days. No call as of yet. They are withholding vital information form their customers. I called XXXX XXXX and they advised me Citi Bank has all the information I need.
Product: Debt collection

On XX/XX/2020 received a noticed from XXXX that account was opened by AFNI for {$710.00} on XX/XX/XXXX. I did not open account with them nor have I done business with them.
Product: Checking or savings account

Around XXXX I ordered some pants off XXXX paid expedited shipping it was never received but it says delivered at the time it was delivered I was in XXXX Arizona and have proof I can show flight tickets! When I got back I had no package so I contact chime and file a dispute and now they saying its valid! Its not right if I never received the product I paid for this is the second time they do this!
Product: Checking or savings account

I just opened a checking account with Ally bank. Because they do not have a virtual debit card I used XXXX to transfer my money out of that account into another account. Thats is literally all I have done since opening this account. My debit card has not even arrived yet. I tried to log into my account and my account is locked. After calling Ally I learned that my account had been turned over to loss prevention. They refused to offer any information on why I have been denied access. I just have to wait. I cant imagine how it is ok for a person to have to be punished bc something looks like it could possibly be some time of XXXX  activity or assuming anything was done with bad intent. I think this is a bit drastic and not fair to the innocent people like me who need to have access to their accounts. I am a single mother and this is going to impact my day to day. I hear this is a common theme with Ally bank. Something needs to change because theyre getting some poor reviews.
Product: Consumer Loan

I leased a brand new 2017 XXXX XXXX. I received the car on XXXX XXXX. On the morning of XXXX XXXX ( not even 72 hours later ), I found the car dead in my garage due to major electrical malfunction. Since that time ( 3 full days ago ) I have called Chrysler customer service at least 25 times. I have had a tow truck cancel on me 6 times. Chrysler 's policy is to tow the car to XXXX of the XXXX closest dealerships. A Chrysler rep called all XXXX and they all refused to accept the car. The original dealer that gave me the car offered to take it back and service it. The dealership is XXXX miles outside Chrysler 's towing limits. Chrysler wants me to pay {$100.00} to tow the car there. Not one of the 25 reps I spoke to had the authority to waive XXXX miles or {$100.00}. They all said I have to be assigned to a case manager, the only person in the entire organization who can maybe assist me and get a waiver. I apparently got assigned to a case manager on Monday, but you are required to wait 24 hours for a call. I still had n't gotten a call 24 hours later, so I called again to let them know. The rep I spoke to said that because I spoke to a manager during the day today ( who also could n't help me ), it reset the case manager assignment process and now I have to wait another 24 hours for a call. So now I have to go another day with no car and no assistance. Also, Chrysler initially told me they will reimburse me $ XXXX/day for a " comparable '' rental car. I called several local rental companies and they do n't have ANY cars available for $ XXXX/day, let alone a comparable one. They offered me a XXXX XXXX for $ XXXX/day. I leased a minivan - NOT comparable. The reps could n't help with that either. 

I do n't feel comfortable driving the car anymore. It is n't safe for me, a XXXX woman, or my XXXX young children. The car does n't recognize when the brakes are on, would n't shift out of park, and had many other issues. The most frustrating part of the whole process is the complete and utter disregard of every single person I spoke to at Chrysler, for my situation. I am now going on Day 4 with no rental car, and a brand new dead car in my garage. I drive to work every day. I take my children to school every day. I have spent hours on the phone with them, and my husband had to take a day off from work to wait for a tow truck that never came. 

I asked for a manager or a supervisor or a case manager almost every time I called. I was informed that there was no manager or supervisor or case manager on premises. The reps would n't provide names or contact phone numbers for their supervisors, and told me that the Lemon Law department and legal department do not accept phone calls from customers. I am completely at my wit 's end and I do n't know what to do. Calling customer service has gotten me nowhere and now all I can do is wait for a mythical case manager to call. If I dare call again tomorrow they will probably reset the process again for another 24 hours.
Product: Credit reporting or other personal consumer reports

Under ref # XXXX XX/XX/XXXX TID # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX. 

That above you confirmed my ownership and protected XXXX XXXX XXXX committed fraud through loan depot XXXX XXXX and step forward Michigan stealing. The squatter fake doctor and fake schoolcraft college using XXXX fake XXXX degrees got fired after I reported him and XXXX XXXX is pending. He are also using a fake lender under home protection XXXX XXXX XXXX record id # XXXX as Michigan Homeowners XXXX that do not exist. I were informed on XX/XX/XXXX by XXXX XXXX XXXXXXXX mortgage dept XXXX XXXX that a guy name XXXX XXXX of XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file under loan number XXXX to XXXX XXXX bank used my good loan XXXX. Your non law enforcement action allowed XXXX XXXX XXXX fake SSN numbers XXXX and XXXX to go and cash XXXX chase escrow account checks in my name and I made police report XXXX as forgery to detective XXXX XXXX XXXX and XXXX XXXX XXXX XXXX just confess this is fraud under XXXX and new your attorney general discovered Mortgage fraud under XXXX and XXXX TITLE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX discovered my name on right under XXXX. To reconfirm I am owner go to XXXX  review XXXX and XXXX XXXXXXXX XXXX  at XXXX reported fraud in reference to your involvement actions on XX/XX/XXXX as XXXX. Also your client from XXXX here on an visa got over XXXX loans hit my credit file and over XXXX credit cards in my name. Also under investigation XXXX XXXX XXXX as NPI XXXX and you must expose.
Product: Mortgage

I made two payments in XXXX the first was taken out of my account on XXXX/XXXX/15 for the current month. The second they posted on XXXX/XXXX/15 and went through my bank on the on XX/XX/XXXX and was supposed to pay my XX/XX/XXXX balance but of a {$2200.00} payment only {$100.00} was posted to XX/XX/XXXX and it was listed on their web page as a suspended payment. They still show {$2100.00} still owing for XX/XX/XXXX. There is no where on their web page to pull a statement to see how the money was applied and we NEVER receive one in the mail. I called the customer service line, and he seemed as confused as I was and admitted that I was never behind. He told me it would be fixed but could not tell me when.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Family membership, not being able to add an adult spouse per offer. 
Started over a year ago. Spouse 1 paid for family membership ( XXXX ). Spouse 2 received email notifications that their account could be added. Spouse 2 clicked email link. Family membership never applied, had to pay for a second membership. Spouse 1 continued to pay for family membership and contacted Experian Customer Service to resolve. Help did not work, customer service advised " cancel membership account of Spouse 2 and re-sign up with new email after waiting 72 hours. Spouse 1 waited and tried adding Spouse 2 a second time. Spouse 2 could not sign up under new email due to social already registered. Spouse 1 called Experian Customer Service again cancelled family membership per advice to try again under Spouse 2. Spouse 2 signed up for Family Membership ( XXXX ), added Spouse 1 to family plan. Spouse 1 has tried several times to follow customer service advice and sign up under new email but the social was already used under original email. Contacted customer service again with no solution. Called customer service XX/XX/22 to ask for help and a refund. Customer service gave same answer and solution as previously and refused to provide adequate refund for services falsely advertised, never delivered.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX   Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I requested an original Contract from Aldous And Associates in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.
Product: Student loan

I recently set up auto draft for my account to draft my monthly payment from my bank account simply out of convenience. Im a busy person working 50 plus hours a week and I wanted to simplify my life by setting up auto draft. I have been making consistent payments of XXXX a month by manually going to the website and making the payment myself every month. I setup auto draft in XX/XX/2019. Nelnet made my first auto draft of XXXX on XX/XX/2019. Ok awesome my auto draft is set up and ready to go no more worries right!? Wrong. 

Nelnet turned around 3 days later and drafted XXXX dollars off my account on XX/XX/2019. Ok XXXX is this about. I call, they said oh it was a mistake you had one of your loans drafting at a different time of the month than the others, we will combine your loans into one monthly payment. What day of the month would you like your payment drafted on? I stated lets do the XXXX of the month since thats one of my paydays. Ok sir we will have auto draft of XXXX dollars on the XXXX of every month. Awesome thanks! 

Now heres the real cool part. Fast forward 10 days to XXXX XXXX. Check my bank account to find Nelnet drafted ANOTHER XXXX DOLLARS FROM MY BANK ACCOUNT!! What happened to XX/XX/227 dollars? How am i suppose to pay my mortgage when they have taken XXXX dollars from my bank account THIS MONTH ALONE!! Im so upset, Im a single father I have to pay my daughters health insurance and my mortgage and I have no money left thanks to Nelnet. This needs reported. I want my money back.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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.

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 1002 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 reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND XXXX XXXX AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX   XXXX, XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 15 letters to have erroneous XXXX XXXX XXXX  accounts removed from my credit report. Every time I send a letter to dispute this account they either send me a stall letter or tell me this account is investigated/verified. They also keep updating my Date Of Last Activity every month. I need these accounts removed.
Product: Debt collection

I checked my credit report and I saw that I.C. SYSTEM, INC had a collection on me for a medical debt I never got a verification notice or a notice that the debt had been sold to them in the mail the debt was transferred to them and that I had rights to dispute this claim. Also the payment dates are not accurate this debt is from XXXX and it only shows the debt is been open since XXXX this is inaccurate
Product: Checking or savings account

I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX  and one is XXXX XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at XXXX which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. 
Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am contacting you regarding my the credit reporting bureaus Equifax, XXXX and XXXX regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX XXXX  XXXX  XXXX  AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} XXXX XXXX XXXX ID THEFT # XXXX {$990.00} XXXX ID THEFT {$2600.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$930.00} # XXXX XXXX  XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy that I did not do remains on my report even though no verification has been released or given. This is inaccurate and not within my rights.
Product: Debt collection

Ended service with cable company XXXX. Returned equipment and have receipt confirming return, received bill claiming equipment not returned. Attempted to resolve with XXXX  multiple times and then discovered debt collection services had been initiated via an alert on my credit report. Contacted debt collection company advising no written notification ever provided nor any actual notice of the alleged debt, when contacted collector refused to provide any avenue for resolution and instead demanded payment. Now my credit report has been impacted significantly all over a debt that is not owed with proof of return of equipment which is the sole basis of the alleged debt. When advised collection company of failure to provide notice or make any attempt to confirm ( let alone resolve ) debt claiming the only avenue for resolution is payment.
Product: Credit card

On XX/XX/2023, I was charged {$210.00} for a " Best Buy Renewal ''. I was unaware of this charge to my credit card account until XXXX when I received a call from Citibank, who administers Best Buy credit cards, informing me that my account was " past-due ''. I was surprised by this as I had not made any purchases using my Best Buy credit card. I was advised by the Citibank representative that they could not resolve any issues with the charges and that I must contact the " XXXX XXXX '' as they had initiated the charges. 

On XX/XX/XXXX I contacted the XXXX XXXX, which is a technical service department of Best Buy, and was told that the charges were for the renewal of a " service plan ''. I advised them that I had not initiated any request for a service plan and declined the " purchase ''. The told me that, because I had contacted them more than 30 days past the " purchase '' that they could only offer me a prorated refund of {$170.00} and a refund of some late charges that had accrued. I requested that all charges be removed from my account and any " past due '' notices sent to the credit bureau be corrected. They advised me that only Citibank could make those changes. 

I determined that the notifications associated with this " purchase '' and " past-due '' notices were sent to an obsolete email address, so I never received them. I have been unable to resolve this matter with Best Buy, Citibank or the XXXX XXXX as each entity says I must talk to the other.
Product: Mortgage

I have a mortgage with Fifth Third Bank. I have paid my mortgage payment every month through my checking account automatic payment system. For the XXXX 2016 payment, my bank sent the usual amount of {$3300.00} to Fifth Third on XXXX XXXX. On XXXX XXXX, I received a letter from Fifth Third indicating that they can not apply the amount because the monthly payment should have been {$3400.00}. Apparently, the amount increased due to a change in escrow requirements,. I immediately sent Fifth Third another payment of {$72.00} through my bank and called Fifth Third to advise them. I was told that neither the original {$3300.00} nor the {$72.00} could be applied and that I need to send another single payment for the full {$3400.00}. If Fifth Third did not receive this by XXXX, I would be assessed a late charge. I then went on the Fifth Third website and sent the full payment and called Fifth Third back to request a refund of the {$3300.00}. I was told that this amount could not be refunded until the {$3400.00} was credited. I asked ( on XXXX separate calls ) that the {$3300.00} be returned to the bank from which it had been sent. I waited until XXXX to determine if the refund had occurred. I then called Fifth Third on XXXX and was told by the first representative that the payment had been sent back to me. I asked if it was sent electronically or by a check - she disconnected the call. I then called Fifth Third back and was told that there was no refund and that Fifth Third had applied this amount to principal. I again asked for it to be refunded and was told that a check needed to be ordered. I asked for interest on the payment since Fifth Third had wrongfully held on to my funds for 2 weeks and was told that they refused. As of now, Fifth Third has kept my funds, demanded that I make a second mortgage payment and refused to provide me with any assistance..