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

I have repeatedly attempted to resolve this with Citizens Bank 's customer support system, and they have actively neglected to follow through on any calls I have made about illicit withdrawals from my account. A data breach at Citizens occurred at some time on the XXXX of XXXX, wherein an unapproved verification deposit and subsequent withdrawal of XXXX cents by XXXX was made on my savings account. I discovered this on the XXXX of XXXX and I contacted Citizens to request that a new savings account be created and my funds transferred to it so that my money would be protected. Citizens did not do so, and then later that day on the XXXX, two XXXX dollar withdrawals happened via XXXX. I contacted Citizens again, voicing my concern and distress, and they claimed to have initiated a claim on my behalf, stating that they would contact me in 10 days if the problem had not been resolved. 

10 days later, I had still received zero contact from Citizens Bank, and still no new account had been created to protect my funds. I checked my account to find that ANOTHER two XXXX dollar withdrawals had occurred, and that the previous amounts stolen from my account had still not been returned to me. 

I have been attempting to contact Citizens Bank for the last twelve hours. There is no online system for reporting fraud, so it must be done over the phone- but their phone system frequently hangs up rather than direct you to any human operators. It will often directly hang up the instant you call them, as well. Once I finally reached an agent, the agent hung up on me when I requested to start a new claim to recover the second set of funds stolen from my account.
Product: Student loan

The status of my loans continued to be repeatedly changed to " Awaiting Form Administrative Forbearance '' and when I call Aidvantage no one from customer service is able to give me a straight answer. Previously I was told that there was a duplicate application form for the SAVE IDR program that was filled out and most recently I was told the Dept of Education placed my loans on forbearance but was not told why. Due to this forbearance I have not had to make any payments even though I am happy to and interest has been accruing on the loans which would not have if the loans were not on this forbearance and I was making payments ( due to the SAVE plan I am in ). I was also told the forbearance would end in XXXX and then it continued into XXXX.
Product: Money transfer, virtual currency, or money service

I have a capital one shopping rewards account under email XXXX I redeemed 3 gift cards so far and I used everyone of them so they cant claim I resold them when I can show proof I used them but anyways I can no longer use my cash back which is over XXXX XXXX  I might add to redeem for anymore gift cards. At this point they are stealing my money and that is a felony. Im close to getting legal help. I just want to be able to spend my cash back is all so Im not sure why they are giving me a hard time.
Product: Checking or savings account

Back in XX/XX/2022 Pnc bank contacted me to tell me there were closing my account and it would be closed by XXXX XXXX and that I would be receiving a check with my balance. I have called multiple times to get answers on why they havent closed it. I have over XXXX sitting and its been over 4 months since they held my funds and wont close the account after they said they would. It is a crazy time with Covid why would you be holding my money for so long. I have spoke to multiple ppl only for them to say they will escalate it and the escalation person doesnt give me answers either. I need my money. Now.
Product: Credit reporting or other personal consumer reports

CFPB complaint XXXX No, I do not consent to XXXX  days to resolved my dispute nor do I consent to giving Transunions Legal Department more than XXXX  days to resolve this investigation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion has disputes from XX/XX/year> that have not been resolved which is well over the 30 day period mandated by law.
Product: Debt collection

On XX/XX/XXXX this company issued four separate medical debt bills to my residence by mail. I wrote up a letter asking to validate the debt by sending a full breakdown of each bill, a copy of my signature with the provider of service to release my medical information to the debt collection agency, and to cease any credit bureau reporting until the debt has been validated by me. In the letter I asked that they respond within 30 days of receiving the letter. 

I sent the letter by certified mail and have proof that the letter was collected on XX/XX/XXXX. Two months later on XX/XX/XXXX I received a second copy of the same bills they sent back in XXXX. None of the things I asked for were included in the packet of papers. 

I then composed a second letter once again asking for the debt to be validated by both an itemized bill and my signature with another time limit set to 15 days from receiving the letter as they already had two months to attempt to find what I asked for. 

Once again I sent the letter by certified mail and have proof that the letter was received on XX/XX/XXXX. On XX/XX/XXXX, well over a month from the date they got my letter, I was sent only the itemized bill of all fee 's and charges for the medical debt but not my signature. 

My complaint is that I asked for the debt to be validated and over four months from the first time I sent my letter they have only provided half of what I asked for as proof to validate it. I was being more than reasonable with time limits to find what I asked for and there was no communication by the company asking for more time or even trying to explain why they could not provide what I required to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

from XXXX to XX/XX/XXXX i was XXXX i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Product: Credit card or prepaid card

Purchased a {$50.00} XXXX XXXX XXXX for a relative on XX/XX/2021, when the relative went to use the card he was told that there was no balance left in the card. He ended up calling the Vanilla card company and was told that the card had been used at a XXXX store in XXXX Texas. The relative lives in XXXX CA. He gave me back the card I ended up giving him the cash and told me him that I deal with Vanilla  company. I contacted the Vanilla card company they sent me an email with information to be completed which I did and sent it back to them via email on XX/XX/2021. I was told that it will take anywhere from 45 to 90 days for resolution. On XXXX XXXX I contact the Vanilla card and was told that it was still under investigation. Every time I call they say to call back in 48 to 72 hours. When I call back they always give me the runaround, I read all the complaints against them and very surprised that his company is not under investigation. Many people have lost their money. I'm a senior citizen and this is money that I don't have.
Product: Debt collection

Credence Resource management just showed up on my credit reports. Never received anything to dispute dont even know whom this company is. They are not XXXX XXXX compliant. They are violating 15 USC 1681 and 15 USC 1681 e ( b ) in doing this.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. 

EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED CONTRACT AGREEMENTS, PHONE RECORDINGS, CREDIT CARD INFO ETC. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS TWICE FOR FALSIFICATION.

PROVIDE ME WITH ALL LEGAL VERIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX Acct : XXXX XXXX XXXX DE XXXX I am writing you because its has brought to my attention that Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using false, deceptive, or misleading practices to collect debts. I am well-versed in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has become clear that my rights are being violated. Under 15 U.S. Code 1681b - ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. It has been 30 days and you are in VIOLATION of this law. Please delete this item IMMEDIATELY! This account should not be furnished on my consumer report as its in VIOLATION!!! At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, Equifax or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act * This is Defamation of Character and all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. **Attachments showing that this account has been deleted from the other credit reporting agencies. **
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report, the XXXX account is old and should have been deleted. The first date of delinquency is not showing and it should show a date where tge account should have been removed. It has been over 30 days and Account is still not fixed. I am having the same issue with the XXXX account and XXXX  account as well.
Product: Student loan

On XXXX/XXXX/XXXX I came home from work to find a notice from the US Department of Education stating that a student loan of mine was in default. I had no idea I had this student loan. I have been making payments on the student loans I knew I had through XXXX XXXX. I was told that this loan was a XXXX XXXX which was given to XXXX and they said I never made payments and was in default so this loan was given back to the US Department of education. XXXX has never contacted me or given me the chance to pay it back. I now understand why my credit score keeps going down despite my best efforts to improve it. I feel that XXXX is at fault here.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX  XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I asked trans Union XXXX and XXXX for a investigation for XXXX XXXX XXXX  XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi how are u all doing today, I reviewed my Consumer Reports and notice that I had two late payments on an account I was never late for which lead to the account closing.consumer 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. The Account Name Is XXXX And The Number Is XXXXplease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments to be updated to on time as they should be as I was never late. thanks
Product: Mortgage

I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. As of today, my account is 45 days past due and I'm being receiving notice letters letting me know my options to not lose my house. Please I need someone to help with this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602. This states I have the right to privacy ( 15 USC 1681 ( Section 604a section 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor man not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/XXXX a purchase in the amount of {$6500.00} was charged to the credit card by a company called XXXX XXXXXXXX XXXX. This purchase was for goods and services associated with a solar panel installation that never occurred and the merchant did not refund the money. 

According to the solar installation contract, the merchant was supposed to install the solar panel project to " substantial completion within 4 months '' At the end of the 4-month period, the merchant had not yet installed the installation project. 

An email between myself and XXXX XXXXXXXX XXXX on XX/XX/XXXX indicated that the merchant would need additional time for the project even though the original 'substantial completion ' date should have been XX/XX/XXXX. Another email between XXXX XXXXXXXX XXXX and myself on XX/XX/XXXX indicated that they would be extending the delivery of the goods and services an additional 2 months after XX/XX/XXXX. Another email on XX/XX/XXXX indicated that I would be contacted within XXXX weeks to provide a project status update. No status update was provided and the company stopped responding to inquiries about the project. I then immediately proceeded with an attempt to resolve the situation with the merchant by cancelling the contract and demanding a refund for the charges paid. 

According to XXXX Rules ( see XXXX XXXX Chargeback Guide Merchant Edition - XXXX XX/XX/XXXX ) page 52 " In cases involving delayed delivery of goods or services and the delivery or performance date was specified by the merchant and the LATEST anticipated delivery of performance date was specified by the merchant has passed '' that the dispute must occur 120 days after that date has passed.

The card issuer maintains that the dispute was untimely however, based on their own rules. The specified delivery date was 4 months from the date of signing of the contract. The merchant then effectively extended their specified delivery dates through email on XX/XX/XXXX and again on XX/XX/XXXX thereby resetting the 120 day window for a dispute ultimately to 120 days after XX/XX/XXXX. A dispute was mailed by certified mail to Capital one on or about XX/XX/XXXX. This is Just 20 days after the last specified performance date of the merchant. Furthermore, the card issuer won't accept a dispute until the cardholder tries to resolve the problem with the merchant which was done prior to submitting the dispute. 

The dispute was in fact timely based on the XXXX published rules because the the dispute was submitted " within 120-calendar days of the latest anticipated delivery of performance date specified by the merchant '' ( see page 52 of the chargeback guide ). The latest anticipated delivery date of the goods was XX/XX/XXXX after the merchant changed the delivery dates twice.
Product: Mortgage

I have a conventional 30 year loan/mortgage with Bank of America. I took advantage of the Federally mandated Covid relief regulations and went into forbearance for my XX/XX/XXXX through XX/XX/XXXX payments ( 11 consecutively skipped payments XXXX. My XX/XX/XXXX mortgage statement shows a balance of {$140000.00}, and did not account for my XX/XX/XXXX payment ( so the balance would be a little lower ). After regaining a more stable financial status, I resumed making mortgage payments for XX/XX/XXXX to present, and Bank of America sent me new terms for a Loan Modification. The terms are egregious and mainly serve Bank of America 's interest while simultaneously weakening my rights and ownership of my home. As a result, I sought to refinance my mortgage/loan with a different lender and with much more reasonable terms XXXX to include a much lower interest rate XXXX. The new lender, XXXX XXXX needed a loan payoff amount, so I first called Bank of America and spoke to a mortgage representative who twice quoted me a loan payoff amount of ~ {$140000.00} XXXX I have a voice/video recording ). I clearly asked the representative to include any and all amounts related to forbearance and skipped payments. However, when XXXX XXXX requested a payoff amount, Bank of American provide them with an amount of {$140000.00}. How is this not outright fraud/illegal? How does my mortgage increase by over {$7000.00} by going into forbearance for 11 months and the making the last 3 months payments? I NEVER signed any loan modification agreement as I was waiting to see the terms, and they are ridiculous. This seems to be another instance of a big and powerful financial organization further exploiting the financial hardships of a tax-paying, veteran homeowner for their own financial gain, regardless of the costs and negative effects. I have documentation/communications and recordings to backup/support all of this. Bank of America said they were recording the call ( s ) and I also said I was recording the call ( s ). The files are too large to upload XXXX more than you XXXX limit ), but can be provided upon request. I've also provided XXXX XXXX with statements from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX  XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX  XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXXXXXX XXXX  XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}