23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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
Product: Bank account or service

DONT BANK AT US BANK, THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks, and need some to investigate them. They are rude, mean, and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation, or something to say it is a closed account.
Product: Debt collection

I HAVE SETTLED AN ACCOUNT WITH COMENITY BANK AND THIS WILL BE THE SECOND COMPLAINT AGAINT IN 3 MONTHS FOR NOT REPORTING MY CORRERCT PAYMENT AT THEIR LOCATION AND GIVING FALSE INFORMATION AS WELL. I HAVE PAID MT ACCOUNT IN FULL ON XX/XX/XXXX AND I RECEIVED A SETTLEMENT PAID LETTER ON XX/XX/XXXX. I ADVISE THE TO CONTACT THE REPORTING AGENCIES TO UPDATE MY FILE. I THGEN CONTACTED THE BANK AND SPOKE TO XXXX XXXX AT XXXX AT EXT XXXX ABOUT THIS MATTER AND AGAIN I WAS GIVEN FALSE AND INCORRECT INFORMATION.HE STATED HE WOULD SPEAK TO A MANAGER TO CORRECT THE PROBLEM BECAUSE THEY NEVER UPDATED MY ACCOUNT AND THEY STATED I STILL OWED XXXX WICH I DID NOT BECAUSE I RECEIVED VIA EMAIL THAT MY ACCONT WAS SATISFIED. HE STATED THAT THEY NEVER UPDATED MY ACCOUNT AND SAID IT WOULD TAKE ANOTHER 45 DAYS TO DO SO WHICH BOGUS KNOWING THAT I PAID MY ACCOUNT THEN CALLED BACK AGAIN TODAY AND AGAIN THEY REFUSE TO UPDATE MY ACCOUNT AND THEY TRIED TO STATED I STILL OWED XXXX. AS I STATED EARLIER THIS I THE SECOND COMPALINT AGAINST THE SAME BANK AND THE SAME PERSON THAT REFUSE TO UPDAT MY INFORMATION I THEN CALLED BACK TODAY XX/XX/XXXX AND CALLED COMENENT BANK AGAIN BECAUSE THEY STILL REFUSE TO CONTACT THE REPORTING AGENCIES THAT MY ACCOUNT WAS SETTLEDIN FULL/ 1ST PERSON SPOKE TO XXXX XXXX STATED THAT MY ACCOUNT WAS PAST DUE FOR THE AMOUNT OF XXXX. ADVISE WAS INCORRECT.. TRANSFERED ME TO ANOTHER PERSON XXXX REFUSE TO GIVE LAST NAME ID # XXXX. GAVE THE SAME INFORMATION.. STATED ACCOUNT WAS NEVER UPDATED BACK FROM XX/XX/XXXX AND ADVISED HER I RECIEVED A SETTED IN FULL LETTER. STATED WOULD UPDST FILE AND ADVISED HER THT THIS WAS STAED NUMEROUS TIMES BEFORE. I ALSO STATED WHY WASN, T THIS DONE ON XX/XX/XXXX SO WHEN THE REPORTING AGENCIES WOULD GET THE CORRECT INFORMATION TO UPDATE MY ACCOUNT AS PER THE LETTERS I RECEVED THAT WOULD BUT NOW YOY STATE AGAIN  TO UPDATE ANS SHE NEVER STAED SHE WOULD CONTACT THE REPORTING AGENCIES REGARDING THE FALSE IN FORMATION AGAIN GIVEN BY THIS COMPANY. 
THIS IS THE SECOND TIME THEY HAVE DONE THIS TO REPRT FALSE INFORMATIOM XXXX XXXX XXXX Credit reporting Incorrect information on your report COMENTITYCAPITAL BANK XX/XX/XXXX
Product: Credit card

My Husband sent an email to XXXX XXXX XXXX and asked if the XXXX XXXX XXXX lamp was in stock AND if it came with the Green shade pictured. He was told YES. They said Go ahead and order. I did and I ordered from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. The order number is XXXX. The order total is {$260.00}. I was sent the wrong item. It does NOT have a green shade as I was told by XXXX XXXX XXXX that it did. It was shipped with a brown shade and the lamp is not great quality. I contacted XXXX  XXXX XXXX immediately and followed all their instructions. Called and emailed. They have not responded. I filed a complaint with the XXXX XXXX XXXX against XXXX  XXXX XXXX and they never responded. XXXX  XXXX XXXX needs to send a pre paid label and I will send it back to them. If they do not want it back, I will donate it to charity. They need to refund my money. They lied and committed fraud. I used Klarna to pay for this making Payments. Klarna XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX ) XXXX XXXX. I have received Numerous emails from Klarna saying they will protect Buyers if something is wrong. I filed a complaint against Klarna With the XXXX. Klarna refused to help and get involved. They said they can't. Just lies and excuses. I was a victim of fraud. I used XXXX XXXX payment service. Klarna could contact XXXX  XXXX XXXX, they are just too lazy to do so. Klarna could also cancel the charges. Klarna told me to contact XXXX  XXXX XXXX. I have tried over and over again. XXXX + times. That's XXXX  plus times and XXXX  XXXX XXXX  will not respond. Had I used my personal XXXX I will have filed a claim and this would have already been over and the charges reversed. Klarna needs to do the right and honest thing and reverse ( cancel ) these charges, refund what I already paid. I have been with Klarna for years and have been very loyal to Klarna. Please CFPB help me in this matter. I have done everything Klarna has asked. The criminals at XXXX XXXX XXXX will not respond and will not refund the money.
Product: Student loan

I went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I paid off a Negative Wal-Mart debit with a  collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that XXXX still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my Wal-Mart account to be corrected and not show as negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been calling for 3 weeks trying to get the rental collection information changed to XXXX and the XXXX XXXX has my rental report has put through a dispute to them asking them to correct the information - it has not been done they are not responding through the portal. I have talked to two agents at XXXX XXXX - both of them said they would have the information updated that day and respond through the portal to XXXX but it has not been done. One of the agent 's at XXXX XXXX was named XXXX. I notice this company shows the name as Experian XXXX XXXX. Experian XXXX out the account weeks ago so if they are affiliated - WHY hasn't XXXX XXXX taken care of this also? 
They hold the power by reporting incorrect information to damage a person 's life and there is enough mayhem and stress on everyone because of the pandemic, I should not have to go through this.
Product: Debt collection

My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and frustration regarding the second unsuccessful attempt to remove fraudulent items from my credit file with Experian Credit Bureau. Despite my previous communications and efforts to rectify this issue, the unauthorized entries persist, causing considerable distress and potential harm to my financial standing. 

I understand that resolving these matters can be complex, but the persistence of these fraudulent entries is highly concerning and unacceptable. 

I urgently request the following actions : Immediate and thorough re-investigation into the fraudulent entries on my credit report. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items. 

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal. 

Assurance that my credit report will be accurately updated, reflecting the successful removal of the fraudulent items. 

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution and second unsuccessful attempt. 

I insist on a resolution within the specified timefram from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove these fraudulent items in my credit file : 1. XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$420.00} 3. XXXX XXXX XXXX XXXX Balance Owed : {$950.00} 4. XXXX XXXX Balance Owed : {$460.00}.
Product: Credit reporting or other personal consumer reports

Subject : FCRA Violations Inaccurate Late Payments & Illegal Charge-Off Reporting To Whom It May Concern, I am filing this complaint against TransUnion for multiple Fair Credit Reporting Act ( FCRA ) violations regarding inaccurate late payments and the illegal re-aging of charge-off accounts. 

Account # XXXX XXXX XXXX account # XXXX ( Inaccurate Late Payments ) TransUnion is reporting XXXX late ( XX/XX/XXXX ) and XXXX late ( XX/XX/XXXX ) payments, even though the account status is Paid, Closed ; was Paid as Agreed. 
This contradicts the payment history and account remarks, making this inaccurate reporting under 15 U.S.C. 1681e ( b ).

Additionally, I was never properly notified before these late payments were added, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Account # XXXX XXXX XXXX account # XXXX ( Unverified Late Payments on Closed Account ) TransUnion is reporting late payments on this closed account, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Additionally, I was never properly notified before these late payments were added, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ).

I request immediate deletion of these errors. 

Account # XXXX XXXX XXXX account # XXXX ( Illegal Re-Aging of Charge-Off ) TransUnion is illegally reporting CO ( Charge-Off ) every month since XX/XX/XXXX, violating 15 U.S.C. 1681c ( a ). 

Account # XXXX XXXX XXXX account # XXXX ( Illegal Charge-Off Reporting & Balance Errors ) TransUnion is illegally updating this charge-off account every month, extending its impact unfairly.

Under 15 U.S.C. 1681c ( a ), charge-offs can not be re-aged.

If the account was sold, the balance must be updated to {$0.00} under 15 U.S.C. 1681s-2 ( a ) ( 4 ). 

FCRA VIOLATIONS COMMITTED BY TRANSUNION : Failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Failure to properly reinvestigate disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to verify accuracy of negative reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) Illegal re-aging of charge-offs ( 15 U.S.C. 1681c ( a ) ) Failure to update charge-off balance after sale ( 15 U.S.C. 1681s-2 ( a ) ( 4 ) ) Requested Resolution : 1. ) IMMEDIATE deletion of inaccurate late payments on XXXX XXXX XXXX XXXX XXXX. 
XXXX. ) IMMEDIATE deletion of the XXXX XXXX XXXX XXXX XXXX charge-offs due to illegal re-aging. 
XXXX. ) A formal written response confirming correction of these inaccuracies.

4. ) If TransUnion fails to comply, I will escalate this matter legally and pursue statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n.
Product: Checking or savings account

I am existing customer of XXXX XXXX since XXXX with a savings account, and before that I was a customer of TexasCapitalXXXX before they shut that down and I moved my money to XXXX. 
Recently, I tried to open a XXXX  Checking account and my application was denied because I cant provide a copy of a XXXX ID. I am in XXXX legally and opened all my previous XXXX accounts with no issue at all. I am willing to provide them all the documents that XXXX requires me to provide to get a state ID including my current utility bill and bank statements that show my current address and my XXXX passport and also documents that show that I am here legally. I can go get a state ID from a dmv but that has to be renewed every XXXX years and is a pain. And it is not that they are closing my existing savings account because I dont have a XXXX ID. You are allowed to have bank accounts without having a XXXX ID, it is just a new onerous requirement being imposed by their new system. 

I am humbly requesting Bask to pleas reconsider my checking account application. 
thanks
Product: Credit card

Subject : BECU VISA Credit Card Compromised Again My BECU ( Boeing Employees Credit Union ) VISA card has been compromised for the XXXX time in 5 years. This most recent compromised happened despite it being one of the new " Chip and Pin '' cards. Action needs to be taken to better protect us cardholders from credit card fraud and from the enormous, time-consuming hassles to replace the compromised card. 
Each time I 've been hit by fraud I must ( 1 ) get and activate the new VISA card, ( 2 ) switch all my direct auto pays from the old card to the new card, ( 3 ) deal with delinquent payments and late fees, ( 4 ) check all XXXX credit scoring sites, lose my online credit card activity associated with the fraud-impacted card repeatedly. 
I live in XXXX locations throughout the year ( XXXX in XXXX State and XXXX in XXXX, XXXX ). I occasionally ( frequently ) receive phone calls from VISA credit card security questioning recent charges. The XXXX recent fraudulent charges were made in XXXX, XXXX at a grocery store and a convenience store which should have immediately raised flags but did n't. 
I feel I have taken all the recommended steps to protect against credit card fraud, but I am again and again forced to jump through the hoops of compromised card replacement. I use a separate " online '' VISA card which surprisingly but gratefully has n't been compromised. I have the new " Chip and Pin '' security VISA cards. I scrutinize VISA charges. What more can I personally do? 
I am most disappointed that I must repeatedly run this very time-consuming gauntlet to switch cards and that there is no apparent consequences for the perpetrators of the fraud or the businesses where it occurs ( aside from a transaction charge-back ). Should n't credit card companies be required to facilitate the card switching resulting from credit card fraud?
Product: Mortgage

I received a notice dated XX/XX/2016 from XXXX notifying that they made a claim for payment on the FHA mortgage insurance. The notice also stated that FHA sold my mortgage loan to XXXX and that Carrington Mortgage Services, LLC ( " CMS '' ). 
The notice further stated that as a result of the assignment of my mortgage to HUD, the payment by FHA of the FHA mortgage insurance claim and the [ mortgage insurance ] was terminated and not further premiums are due by me. 
I have been experiencing financial hardship so on XX/XX/2016, I completed the CMS 's Request for Mortgage Assistance ( RAM ) package seeking to modify my current mortgage loan. 
On or about XX/XX/2016, I received a Trial Period Plan Agreement letter dated XX/XX/2016 ( " TTP Letter '' ), whereby the following modification was offered : TTP Schedule TTP Amount Due Date Good Faith Payment {$10000.00} XX/XX/2016 1st Trial Payment {$2100.00} XX/XX/2016 2nd Trial Payment {$2100.00} XX/XX/2016 3rd Trial Payment {$2100.00} XX/XX/2016 The TTP Letter further states that once the Trial Period Plan begins, if I do not meet the terms of this Plan and your are not eligible for any other loss mitigation option, CMS may, without further notice to me, terminate the Plan and commence or continue collection and/or foreclosure proceeding according to the terms of my Note and Security Instrument. 
On or about XX/XX/2016, I have received a Notice of Intent To Foreclose dated XX/XX/2016 if I did not pay {$160.00}, XXXX. 
The Good Faith Payment in the amount of {$10000.00} is tantamount to a down payment in order to get a loan modification. CMS knowingly and purposely offered a trial period plan that failed to modify my monthly mortgage loan payment to an affordable amount in order to avoid foreclosure and is demanding that I pay down payment of {$10000.00}, which I clearly can not afford.
Product: Credit card or prepaid card

Fraudulent charges date back to XX/XX/XXXX. Every month when I received my statement and noticed fraudulent charges, I called and notified US Bank. The first fraudulent charge was on card ending XXXX dated XX/XX/XXXX for {$49.00} to XXXX. USB was notified and they reissued a new credit card ending in XXXX. On this new card on XX/XX/XXXX there was a fraudulent charge to XXXX for {$22.00}. USB was notified but fraudulent charges continued on this same card from XXXX through XX/XX/XXXX totaling in excess of {$8000.00} and charges were mostly to the same vendor, XXXX and I have no idea who that is. 

I was then issued a new card ending in XXXX and there were no charges in XX/XX/XXXX. But in XXXX of XXXX, there were fraudulent charges to XXXX and again to XXXX in excess of {$9000.00}. Obviously I reported this to USB because they again issued a new credit card ending in XXXX. I never received the physical card ( and still today have never received it ) but I did receive a statement for charges to this card once again to the vendors XXXX and XXXX which had been reported as fraudulent as far back as XX/XX/XXXX. Some of those fraudulent charges were being carried forward. I cancelled this card all together in XXXX of XXXX. 

I have been given credit for some of these charges but not all of them and the balance on this card is for fraudulent charges and USB continues to report payments on this fraudulent amount as being late payments on my credit report. 

I can never get anyone to return my calls and when I call the XXXX number, I am transferred no less than XXXX times. I have XXXX and have enlised their assistance which has not really helped. I spoke with XXXX at USB on XX/XX/XXXX regarding the status of our dispute and she said that someone would return my call within XXXX days. I received no call. 

I, along with XXXX, made a conference call on XX/XX/XXXX and spoke with a fraud supervisor, XXXX. XXXX would not speak to me with a " third party '' on the line. XXXX representative offered to hang up but that would not satisfy her. She instructed me to call her back, which I called her right back. 

When I called back, I asked for a fraud supervisor and spoke with XXXX who was helpful. She said that since I had a claims processor ( which I didn't even know about! ) named XXXX that we needed to speak to him. She was going to put in a request for him to call me and that he would call in a " few days ''. Today is XX/XX/XXXX and I am still waiting for that phone call! XXXX did inform me that I was calling the wrong number and that I should call XXXX and that our case number was XXXX. I wanted to know if XXXX received all of the documents that I had sent and how much longer it would take to review our dispute. I furnished USB with a police report, with a report I had filed with the Federal Trade Commission as well as an itemized list of fraudulent charges/amounts/dates/last XXXX digits of card numbers. I am not sure what else they expect for me to provide. Their customer services/communication with us has been terrible!!!
Product: Credit card or prepaid card

I closed my account with American Express Serve last year and they allowed an transaction to go through this year on XXXX the XXXX 2021. I still haven't received the check that was sent last month. I want answers to how this happened and how many more people was affected in this way. Was it a breach and not reported to the government? American Express refused to give me any documentation on my account or this matter.
Product: Credit card or prepaid card

I have never been late on my Citi XXXX XXXX card ( or any other card or bill for that matter ). I pay the balance in full every month. All of my 4 credit cards are due on the XXXX of the month. At the beginning of the month, I set up all of my bank drafts for my bills. For some reason, none of the 4 drafts went through for the XXXX payments. I did not notice the error until XX/XX/ and paid each in full immediately when I discovered the error. 
I use the Citi card for almost all charges, resulting in tens of thousands of merchant fees to Citi. 
The lesser used cards provided one-time courtesy waivers of interest and late fees. I contacted Citi and they refuse to extend me any courtesy waiver whatsoever. 
As I wrote to " XXXX '' in our chat : " Please know that my other cards with lesser usage have waived the interest and fees [ caused by this one-time mistake ]. Be sure to let your supervisors ( and anyone else know ) that this request was for a courtesy waiver of {$140.00} on an account that charges tens of thousands of dollars. Citi must think it's the only game in town. Say goodbye to all of those merchant charges and monies you make from my use on this card. I will shift the majority of charges to other, more forgiving, card issuers. '' I then offered Citi one more chance to re-consider it's position and credit my account. " XXXX '' told me nothing could be done and I could call a supervisor. Instead, I'm submitting this complaint ( and publishing it ) because we all have choices when it comes to the credit cards we use ( and which card benefits from the merchant fees those charges generate ).