23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Issue is not well described in any of your choices. It concerns a policy in place at my bank which is illogical if not indefensible. I have banked at same branch for 10+ yrs., credit rating exceeds 800. An attempt was made to scam me via XXXX which failed. During discussion with my bank mgr., BEFORE depositing check into my account I learned ( Wed., XX/XX/17 ) that if I had deposited the check ( corporate check made out to my name ) it would have been rejected as fraudulent and all MY accounts would be frozen. This was accompanied with discomforting comments about how difficult, time consuming and very expensive it would be to have the accounts released. 

This does not seem fair to me. Why would n't the bank simply reject the check and, possibly, charge me a returned check fee? Since I never asked for cash and understood the check would take some days to clear I do n't see why the bank should " lay claim '' to my money for an indeterminate period of time when they have not parted with any of the bank 's assets. 

I can only imagine the intention is to hold a known, guaranteed amount ( my accounts ) while they reap interest for investing my money over a short period of time from which they will enjoy interest return on investment. On previous occasion I presented bank certified cashiers check for deposit at same branch, expecting the funds to go in as cash. I was told they would be held for one week " to clear ''. I demanded the branch mgr. call the issuing bank to verify the check which he did in front of me. After a brief conversation with the issuer ( 5 min. +/- ), suddenly the full amount of the check was made available as cash in my account. If this were bank policy, law or regulation their initial decision should not have been changeable just because I challenged the absurdity of it. Again, my money ( known to be backed by valid check ) is in their hands for investment for a week with no justification I can see. I am available for discussion in detail if needed, assuming you can simply respond to this submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX Bankruptcy in 2015 and this account was included. It was removed from my credit report along with other accounts that were XXXX. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was XXXX in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX {$840.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$150.00} XXXX Date opened Date Opened : XX/XX/XXXX Highest balance {$360.00}
Product: Credit card

I started experiencing some difficulties using my Chase United Mileage Plus credit card. I called Chase and the response was that their affiliates decided to end relationships with me. This happened to be years ago with my chase checking and savings account. While on vacation my cards no longer worked and when I called chase, I received this very same response. This time I 'm furious. I was approved for a credit card through Chase, thinking whatever mistake they 've made in the past was just a mistake. Excited about using Chase again, I 've spent XXXX of dollars using my new credit card, I 've spent money for the benefit of obtaining extra bonus miles, now my account is closed without being notified, and my mileage is no where to be found. Please help me understand what 's going on.
Product: Checking or savings account

US Bank does not posses the most rudimentary levels of banking skills, customer service, or reliable online account access. As evidence of the small minds that run this bank, my name was supposed to be added to a relatives account as an authorized user, in case of emergencies. We signed a bunch of paperwork for this purpose. During a medical emergency, I have learned that what the branch told us was entirely false. Instead of what was needed, they set up a joint account ( for no good reason ). Further, a joint account at US Bank does not have joint bill-paying ability. What in the XXXX is the point of a joint account if each person can not pay bills? Absurd. Inexcusable. Inept. Ignorant beyond words. 

Then, I was locked out of the online account for unspecified reasons. The bank, in all its condescending incompetence, mandates the lockout last for 48 hours. To force a customer to endure a 48-hour hold is nothing but an egregious failure to understand its own systems, and the most basic fraud-prevention practices. 

Given that my relative is XXXX, has been in the hospital, and needs money for care, locking the account, amounts to Financial XXXX Abuse. Regulators and lawmakers need to step in and mandate that account procedures meet a minimum level of care in order to prevent abuse and hardship imposed by arrogant bank leadership/tech people/fraud department XXXX A customer should not be told one thing, and given another. Or, at least a joint account should be a joint account. Online access needs to really offer accessibility to the customer, not a morass of nonsensical BS. 

Shareholders should sell stock, employees should find other jobs, and customers should flee at the first opportunity. There could be nothing more embarrassing for anybody than to admit working for this bunch of pea-brained losers called US Bank XXXX
Product: Student loan

I've been trying to start paying off my student loans. When I tried to make a full payment of XXXX, the button doesn't work to process the payment. It won't even let me make a payment for the amount due. So, interest continues to accrue and I can not make a payment!
Product: Mortgage

Citimortgage was handling my deed in lieu and everything was done they even had an attorney XXXX send me the legal documents to sign. XXXX emailed me the documents on XX/XX/XXXX. We signed and returned the documents to XXXX overnight on XX/XX/XXXX which they received on XX/XX/XXXX. 

Citimortgage ( XXXX XXXX and XXXX XXXX ) told me that my loan would be assigned to another mortgage company on XXXX so I needed to get the documents signed and returned to the attorney 's office before XX/XX/XXXX. 

Although my documents were signed and returned to the attorney 's office on XX/XX/XXXX at XXXX. I received an email from XXXX XXXX at XXXX this morning stating " I was advised that the file has been service transferred. '' I spoke with the new servicer this morning and was told that the loan was not transferred until XX/XX/XXXX so I do not understand why XXXX did not complete the legal documents and complete the deed in lieu. XXXX and Citimortgage are just XXXX me around. 

As you will see from my previously submitted complaints that Citimortgage has never done their job. Why would they transfer my loan when the deed in lieu was basically completed. 

Also when they transferred my loan, per my conversation with XXXX XXXX XXXX d/b/a XXXX XXXX, Citimortgage did not even tell them about my deed in lieu or send them any of the information as to the status of my deed in lieu which I stated above was basically completed. 

Citimortgage is a horrible horrible company who I feel have fraudulently XXXX me and my family from the beginning and you ( cfpb ) have allowed them to continue to XXXX us around. They have allowed this process to go horribly wrong from the very beginning by not doing their job and I advised your agency of this with all of my documentation. 

You chose to not even read my documentation. Just forward a letter to them and let them respond and then you were done. When I tried to respond I was unable to. 

I need this deed in lieu completed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My soon to be ex-wife who XXXX me with hot grease this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.
Product: Prepaid card

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX Netspend XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam : I am writing to dispute [ a ] account that was fraudulently opened using my information. I am a victim of identity theft, and I did not make [ this/these account ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my Social security number, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theftAlso enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Estate of XXXX XXXX Creditors Claim Case # XXXX ( XXXX XXXX - Collection Representative ) We are filing a complaint regarding the deceptive and erroneous practices employed by your attorney and collection agent in attempting to collect a debt for our deceased relative, XXXX XXXX. XXXX XXXX 's sister XXXX XXXX had agreed to pay the lower amount due after her sister 's death, as she had been handling all creditor payments. We have proof XXXX XXXX and XXXX XXXX discussed the agreement of payment coming from her. XXXX XXXX is also responsible for deceptive service of documents. We request an immediate desist and refrain order against your predatory attorneys towards us and our family 's property. Predatory practices include turning a {$6100.00} claim into a {$51000.00} judgment against both XXXX XXXX and XXXX XXXX XXXX, with a {$12.00} daily per diem
Product: Mortgage

Shellpoint it's a city bank company that keeps harassing me about different amounts of money sometimes its one month sometimes it's two or sometimes it's all about escrow but they never know what it's really happening i complaint about this problem few times before it's been almost 3 years im dealing with them and keep asking about the origin of the amounts owed but they don't know they keep sending me the paperwork and they say you look where the money owed is but and its nonsense i said I will pay them with any problems if they provide the proved where is the shortest in XXXX i got a loan modification and I haven't missed a payment they claimed its an escrow but every year they adjusted it I was supposed to pay only {$1400.00} and since XXXX I been paying more {$1500.00} and more and since XXXX {$1600.00} but always overpaid them and they keep saying i owed them
Product: Debt collection

I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The wrong amount is being reported XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The wrong amount is being reported XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The wrong amount is being reported XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

Blatt BHLM telephone XXXX XXXX XXXX has called me repeatedly. They ask if I am a certain person XXXX ... I am not this person. I have told them repeatedly and they continue to call. This is the most blatant form of harassment when there is no issue of a debt actually owed. Please try and stop these ruthless scammers. Thank-you. This will undoubtedly help others. These guys are bad.
Product: Credit reporting or other personal consumer reports

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX me into a XXXX maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed inaccurate personal information which is causing harm ti my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I hired XXXX XXXX XXXX to help with debt management. All companies involved, including XXXX, agreed to repayment plans via XXXX XXXX XXXX. Their agreed upon amount was {$260.00} per month. In XXXX of XXXX I had XXXX XXXX Counseling contact XXXX  to get a current balance due. At this point they said {$3300.00} left to pay. In XXXX of XXXX a final payment of {$200.00} was paid. During this entire time they have been reporting to the credit agencies that I am past due and that I owe them more than what I did, when I was paying them, on time, on the agreed upon amount. They have been reporting this for almost two years and continue to report the account as open and past due when it is not. XXXX entered into a contract, as all the other companies, with XXXX XXXX XXXX, accepting their terms and repayment, but continued to report as a delinquent account when, in fact, they were being paid correctly and on time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as XXXX and Transunion, but the information appearing on the XXXX website about my credit debt with XXXX and Transunion is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both XXXX and Transunion to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, EQUIFAX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, Equifax and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, Equifax and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Product: Credit reporting or other personal consumer reports

The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX Balance : {$150.00}, and XXXX XXXX XX/XX/2023.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2020, I attempted to pre-order an XXXX XXXX XXXX using XXXXXXXX XXXX " XXXX All Access '' program. I chose XXXX as the vendor and, after completing the order, realized the XXXX XXXX was replaced with an XXXX XXXX XXXX I tried to cancel the order and was told it could not be canceled and I would need to return it once received. 
The day it arrived, I returned it using the RMA label provided via the All Access portal. There were no email addresses or phone numbers for me to check the status. Citizens One advised me that once I returnedthe XXXX, the account would be closed. 
A couple of months later, I received late bill notices from Citizens One. I checked my credit bureau report and discovered a derogatory history from Citizens One indicating I was delinquent. I have spoken to Citizens One several times for hours at a time, and each time I was told a manager is reviewing the matter. 
Citizens One eventually verified the XXXX was returned butstated they would not close the account until their contract partner " XXXX '' credited the loan back. I was assured that the account was not in collections, yet I still get monthly emails, letters, and text messages from the collections department, followed by lengthy phone calls that lead to no results. To date, no manager has called or emailed me to resolve the matter.
Product: Student loan

I believe I have been paying my loans every month for approximately 14 years now I have paid XXXX a month for 14 years which equals XXXX. I understand that this total does not take into account interest, etc. my loans have been transferred a minimum of 4 times by different services/lenders/consolidators, etc. number one when they are coming after you for these loans you are 21 yrs old most likely and fresh out of school. The only thing you know is that if you don't pay they garnish your wages. But since you are fresh out of school you most likely don't have the salary to support such high payments. You most likely agree to " whatever '' just to get going and pay. Somewhere along the way yo hear about consolidating so you only have one payment and these companies are not helpful. do not explain at all nor educate you on your various options and their impact. I have two loans that totaled XXXX ( back in XXXX ) and as I said I've paid over 53,000 only to be seeing a statement that says my balance owed is still XXXX ( XXXX ). I currently have a fixed interest rate of 4.75 % my entire career has been in XXXX XXXX ( XXXX ) working with XXXX XXXX, XXXX or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. I need someone or somewhere that I can trust to take a look at my loans and tell me over the LIFE of them what has been happening and where my money is going because NAVIENT my current loan servicing provider was not helpful at all. They only told me that they can see that I have a special extended payment plan that was offered to me by the Department of Education and that they are not familiar with what that is, or the terms and conditions. She was able to tell me if I make any modifications to it, I will not be able to get it back because Navient doesn't offer that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my vehicle and was told to not make any more payments to my old vehicle because the loan would be paid off from the new vehicle purchase. However, the transfer took to long apparently because i got a late pay put on my report. i have tried to resolve the issue since it was no fault of my own and was actually told not to make a payment because it would be handled.