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

On or around XX/XX/19 I designed two personalized debit cards from Wells Fargo, Today is XX/XX/19 and I never have received them. I have called numerous times asking about the delivery and have been given a ton of misinformation regarding the cards. And then was threatened by the agent ( XXXX ) that I spoke with on XX/XX/19 to shut down both my cards against my will, because it was a new " policy '' that she never stated until after being on the phone with her for over an hour. I have requested proof that the cards were sent, I have detailed pictures of my mail that is delivered to my house daily and have received numerous correspondents from Wells Fargo none of which are these debit cards. Every other time I have ordered a new card I have received an email saying the card is on the way, this one time I have not received any notification and it has been over 2 months since the initial order of the cards and the images being accepted by Wells. I have called and called and been given incorrect information and been told that I MUST change my card numbers. Mind you it took 3 additional weeks to receive these card numbers after being told in the branch that my cards had been requested numerous times and in fact they had not. MY CARDS ARE NOT LOST OR STOLEN THEY MEERLY WERE NEVER MAILED BY WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received an email in regards to the payment on my auto loan with Upstart. I received the email at XXXX. According to Florida regulations it is against the law to contact an individual by phone or email prior to XXXX. There are fines associated with breaking this law.
Product: Credit card or prepaid card

On XX/XX/XXXX approximately, Goldman Sachs suspended my apple card for a fraud investigation. There is no identity theft on this account. I charge thousands of dollars per month and pay it in full every month without fail. This company will not provide a reason why, they won't give me any details. I have contacted their customer service several times, I have messaged fraud supervisors up to the VP on XXXX. No one will explain why ... this has created a massive inconvenience. You can't do business with apple if you don't have an apple card. I use it for my business, for personal, for my laptop, for my families phone installment plans etc. All of our services and recurring financial commitments have grinded to a halt. They mentioned something about identity theft when I called, but there is none. I have verified everything with them... REPEATEDLY. 

This has become a pattern over the last month. My wife and I bought a house and have tried repeatedly to use the card at XXXX and they blocked those purchases for potential fraud? I called repeatedly and said, please stop it's me. It's not fraud. I bought a house ... can you stop please? They refuse. They tell me there is nothing they can do to stop the fraud prevention or what I call harassment. 

This should be illegal? I'm forced to abandon XXXX completely or deal with the harassments from their fraud department. I do not deserve this. I have been a perfect customer. They refuse to help me when I call. Please help. 

Note : they blocked my card number in the app. I can't provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from Exeter Financial LLC, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor XXXX  XXXX nor American from XXXX. I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.
Product: Checking or savings account

I was a victim of a fraudulent job scam. I deposited a check the check bounced the bank froze my account I called them this happened on XX/XX/XXXX the check was XXXX. I called and spoke to several people telling them what happened they were inhuman taking all my IRS payments, stimulus money XXXX to settle the debt. They cleared a fraudulent check. I paid through XXXX I begged them to help me and not take all that money in a matter of days they recouped by taking everything that came their way. Let me and my children with XXXX nothing to live on. The Citizens bank should not clear checks in full amount until they have their funds. The XXXX XXXXXXXX XXXX XXXX should compensate me.
Product: Debt collection

Money is for a medical expense that is considered a hardship that kept me from getting health insurance.
Product: Checking or savings account

related to XXXX They totally deleted me. supposdely because I did not tell them using my card in XXXX, a lie, when we set up account to was because we were oving to XXXX Spent XXXX hours on phone trying to get mr back to world of living., tried to sign in, NO GO, spent XXXX minutes on phone trying to get into account, finally goy back in. BUT... I know have XXXX WT unauthorized fro my account. Supposedly XXXX was a test to get me back to being alive, but now XXXX WT to a XXXX, that I never asked for, spent XXXX minutes on hold and then disconected cause they were too busy to be concerned about my little XXXX out of my account. Not fair, I am a person, I count, my little $ $ count to me. This is FRAUD!!!!!! I need help and I need somwone that is willing to stand up for me. I know you will always take their side, but who stands up for me, the little person who does not count??? Can't someone help me? Please, all I want is MY MONEY that I worked so hard for!!
Product: Mortgage

Loan # XXXX with XXXX Loan Care Back in XXXX I made an online payment for my mortgage. Their online system had been upgraded so all default methods of communications were no longer programmed. I was not aware that my payment had not gone through. I got letters in the mail versus email or text notification weeks later. I had to speak to multiple people and was told that it was not an issue of bounced checked or payment but that my banking information online may have been wrong which had never been the case as I had made many timely payments beforehand. I was told that I had to pay via cashiers check and would no longer be able to pay online for the next 6 months. I have paid via cashiers check for XXXX and XXXX without issue. Last month I sent my check on XX/XX/XXXX, it said that it was delivered to their po box and picked up on XX/XX/XXXX and yet it was not applied to my account and they sent a letter stating that I had a delinquent payment. I contact them and they have no answer or help for why my check was not applied or where it might be. The person on the phone was asking me to go to the post office ( where their company po box was ) to ask if the check had arrived. Their po box has no actual address. Then he asked me if the check amount had been withdrawn from my account and I had to remind him that it was a cashiers check, it didnt work that way. His response was oh yeah right. The customer service agent was of no help. I proceed to send my receipt of the cashiers check and tracking info to the payment research team at loan care. It provided my bank, check number, who the check was made out to, the date of the check and signature of bank employee for verification and yet they claim they did not have enough information because I did not send a picture of the front and back of the check. The information provided was enough information to do research. There is no sense of urgency to help locate a {$2800.00} check sent to their po box . They just keep asking when I will make the payment. My bank said the check has been cashed. They have submitted a dispute and an answer will be given within 120 days. 

After speaking with 3 or 4 people in customer service, I was told that I could have been making payments through XXXX XXXX. This was not discussed back in XXXX or the numerous times I've spoken to people. I do not feel like Loan Care is handling the matter with urgency.
Product: Credit reporting or other personal consumer reports

TransUnion has restricted my access to my free annual credit report or access to my report or disputing my credit report online. It has been that way for over two years.
Product: Credit card or prepaid card

In XX/XX/2018, I had applied for and was approved for the Citi ThankYou Premier credit card. The sign-up bonus offer at the time was 50,000 ThankYou points after {$4000.00} spend in 3 months. I was well aware of the Citi bonus offer language which stated the following : " Bonus ThankYou points are not available if you have had a ThankYou Preferred, ThankYou Premier, or Citi Prestige card OPENED or CLOSED in the  past 24 months. '' I was aware of this because when I went to close my Citi Prestige Card after one year ( opened XX/XX/XXXX ), the Account Manager informed that if I closed the account, my 24 month clock would reset, BUT if i merely downgraded to the Citi ThankYou Preferred card ( No annual fee ), then that clock would not reset and I would only have to wait 1 more year ( instead of 2 ) to sign up for any other ThankYou cards and be eligible for the applicable sign-up bonus. 

Therefore, I did what the Account Manager recommended and downgraded to the ThankYou Preferred. After 1 year passed, I contacted Citi via the online chat and verified my eligibility TWICE, both times receiving confirmation that my 24 month window had passed and I could apply for the ThankYou Premier and be eligible for the bonus. 

After meeting the minimum spend requirement, a couple billing cycles passed and still had not received the 50K bonus points. Upon contacting Citi about this, I was passed around to multiple agents/representatives who all had different takes on what the ruling was. Finally I spoke to someone who first claimed that ( 1 ) " downgrading/any activity is the same as closure or opening of an account ', ( 2 ) " it is against federal law to award me the points even if I was told something in error by a prior representative '', and ( 3 ) " if I was aware of the bonus language, then I should be smart enough not to apply for the card. '' After speaking with the incredibly rude individual, I called back and asked to speak with a supervisor. I requested that the online chat transcripts AND the original phone conversation recording ( from when I downgraded the Citi Prestige ) be pulled for investigation into this matter. I was told I would hear back in 7-10 business days, but it has been over 3 weeks with no response. 

At the end of the day, the account downgrade/product change was NOT an opening or closure of an account. Citi representatives continue to misstate the offer as " any activity on the account in the past 24 months '' but the terms of my application do not clearly say that, AND I was told my a Citi representative that a downgrade does not reset the 24 month clock.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit.despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter stating that I had pulled my credit report and noticed errors that were reported by the company. I asked the bureau to investigate and send me an updated copy once their investigation was complete. I received no response and it is 3 months later.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy XX/XX/2023 and listed XXXX XXXX as one of my creditors. All of my debt has been XXXX including XXXX XXXX credit card. On my credit report, XXXX XXXX is listed under XXXX under XXXX  XXXX bankruptcy. I looked at my credit report today and my score has gone down XXXX points because XXXX XXXX has reported the same account twice on my credit report and changed the statutes to charged off instead of XXXX to bankruptcy. This is called double reporting and is a violation. I spoke with credit XXXX and mentioned that this should be removed from my credit profile because its already been listed as XXXX from XXXX  XXXX bankruptcy. First representative hung up on me and the second representative told me she could not do anything about it.
Product: Money transfer, virtual currency, or money service

Money was diverted from my unemployment benefit payments to routing number XXXX account number XXXX I do not own that account, and I have never banked with M & T. 
Someone diverted my unemployment direct deposits to that account and M & T will not take a complaint or make an effort to explain how this happened. 
My Name is XXXX XXXX XXXX number is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with XXXX/XXXX/Experian. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Product: Mortgage

here is an additional to my other case  XXXX . I received this letter yesterday from bank of America. They are doing exactly what they did to me the previous time so they wont give me the modification. Bank of America are a bunch of lairs and I am so sick of they saying I did n't follow up with their paper work. I submitted everything they requested  within 24hrs and I have the faxed confirmation to prove it.
Product: Credit card or prepaid card

Citi closed my XXXX Visa credit card # XXXX on XX/XX/XXXX with no reason given. I have been in good standing with Citi and I have great credit score. I use this card as my primary credit card, and I have accrued {$1600.00} of reward balance due to pay out on XX/XX/XXXX, which is only 3 days away. I called Citi customer care two times, executive office phone line one time, and fax them a letter. The best answer I have got is basically that they can close for any reason at any time, without giving me any reason why I was targeted, even if it is only days away from paying out my reward. My reward, according to the rep, is now gone since the account is closed. They essentially got themselves out of paying without any explanation. I am not only out of the reward dollars, I am also 1 ) out of credit card to use, 2 ) expecting a hit to my credit score due to the ratio and closure because I dont keep many other around and 3 ) will have hard time get another one even with good credit score. I stay responsible and pay my debt always, and Citi just decided to cause personal damage without any legit reason. CFPB, please help me get to the bottom of this.
Product: Mortgage

I have had ongoing issues with Carrington Mortgage Services managing my mortgage. Twice in the past 6 months they have misapplied my mortgage payment to another account and wrongly reported my account as being late to the credit reporting agencies. As the accompanying documentation shows, they received and cashed the check for my payment on XXXX/XXXX/2016 and still have not credited the payment to my account. After their last error they promised to immediately refund the late payment charges that I paid, a home inspection fee that they charged me and they were to have reported the correct payment information to the credit reporting agencies. as of this date. none of these actions have taken place. Carrington Mortgage Services should be suspended or barred from administering VA loans until a complete audit of their accounts is completed. As XXXX XXXX veterans that have served this country well, we deserve better than this
Product: Checking or savings account

I did not authorize Fifth Third Bank to withdraw any funds. I submit a one time payment each and every month on the first of {$530.00}. Fifth Third, without my authorization, withdrew {$900.00} on XX/XX/2022, XX/XX/2022, and on XX/XX/2022. When I returned to the country and discovered the withdrawals, I notified Fifth Third and they admitted the error and on XX/XX/2022, they credited {$900.00} from the erroneous XX/XX/2022 charge. 

Fifth Third did not have any authority to withdrawal any funds from my account and did so without my consent or authorization. There are still two payments of {$900.00} that has not been returned. 

I did not authorize these withdrawals which has resulted in a financial distress situation.
Product: Mortgage

Today, XX/XX/2021 XXXX XXXX XXXX  illegally changed the locks on my property, One of the inspectors sent notes and photos to my mortgage service company, Community Loan Services on XX/XX/XXXX or XXXX, 2021 indicating that my home, which I currently reside in, was vacant. The notes stated a empty trash can and leaves in the yard as a reason. After ONE attempt to view my property. No attempts were made to verify this as fact. Thankfully my dog was here prompting the XXXX XXXX XXXX working to call Animal Control stating that a dog was left in my home that was going through foreclosure. This is a lie. No foreclosure proceedings have been initiated for my home. I verified this today XX/XX/2021 with the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX