23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was offered a secured line of credit with Bank of America. I was asked to pay a deposit of {$200.00}, was told that after a few months, usually 6 months of good payment history, I would get an increase on my credit limit, and that after 12 months, I would get my deposit back. Neither of these promises took place, instead, Bank of America closed my credit line without any previous notice and has never returned my {$200.00} deposit and my payment history is/was excellent. The line of credit has been closed for a few months now and I have yet to received my {$200.00} deposit.
Product: Credit reporting

I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area.
Product: Debt collection

Upon reviewing my credit reports I noticed a collection account listed by XXXX XXXX that I did not recognize. This account shows on my credit reports as owing {$570.00}. I sent a certified letter to XXXX XXXX dated XX/XX/XXXX disputing this debt and asking for validation of this debt with competent evidence bearing my signature showing that I had an obligation to pay this company. On XX/XX/XXXX I received a letter back from XXXX stating they were uncertain of what I was disputing, and also sent a billing statement that I have never seen before. They did not include what I was asking for, validation the account was mine bearing my signature. Also the amount they are now claiming I owe is different from what they reported to the credit bureaus. I then responded with another certified letter informing them they they have failed to provide me with a copy of any viable evidence bearing my signature that the account is reporting accurately and also asking for proof that I have some contractual obligation to pay them the money they are claiming that I owe and asking them to delete this account from my credit reports if they can not provide a contract with my signature. I received a response dated XX/XX/XXXX stating again that they are uncertain of what I am disputing and providing no other information, and no evidence bearing my signature that this account is mine.
Product: Mortgage

On Friday XXXX XXXX, 2015 we called Capital One home mortgage in response to an unsolicited e-mail for a home mortgage. XXXX XXXX XXXX took all our personal information, stated he never saw such great credit scores from a married couple and issued us a prequalification letter to take to XXXX while looking for a vacation home to purchase. He invited us to telephone him at any time for assistance. We found two homes and our first choice was on leased land. We telephoned leaving a message for XXXX XXXX. Would leased land disqualify us. In his outgoing message he ask that we also send an e-mail. We did this also. We never heard from him and had to leave XXXX for home in XXXX as our allotted time was over. The week of XXXX XXXX, 2015 we telelphoned XXXX XXXX XXXX, the supervisor of XXXX XXXX and left a voice mail asking him to contact us. On XXXX XXXX, 2015 a women telephoned us and identified herself as a " concierge '' from XXXX home loans. She was following up on our app " to help us with the process '' and not responding to our attempts to contact loan officers. She said XXXX XXXX was in the office this day but not at his desk. She stated she would have him call us upon his return. He did not. On XXXX XXXX, 2015 I called the general phone no. for XXXX loans. I talked to XXXX and told him this story and that no one had ever made contact with us. He promised a supervisor would call us this same day. No one has ever contacted us. We lost the opportunity to purchase either of the home we wanted not to mention the hundreds of dollars we spent in our quest. Our advise to all others ... .stay away from Capitol One Bank or be sorely disappointed.
Product: Credit card

Chase Sapphire Preferred has rental car damage benefit. My rental car sustained ~ {$880.00} bumper damage so I submitted a claim. Rental ended XXXX/XXXX/16. Claim information was submitted XXXX/XXXX/16. Early XXXX Claims Adjuster offered ~ {$630.00} to XXXX, who then called me saying I had to pay the difference. Claims Adjuster then told me that XXXX should have contacted them to negotiate. XXXX calls me the end of XXXX looking for a partial payment to prevent the account from going delinquent with reporting to credit agencys damaging my credit rating. XXXX said that they had signed a release letter from the Claims Adjuster and returned it to the Claims Adjuster but that the Adjuster lost the letter. Claims adjuster committed to mailing XXXX a new release letter for signature. XXXX XXXX I called Adjuster for status update & was told claim still pending and release letter was sent to XXXX on XXXX - 3weeks after they said they would do something. Chase has not delivered the rental car coverage benefit and I 'm concerned this cycle will continue until I 've paid the entire balance on threat of damaging my credit rating. Neither Chase Benefits nor the Claim Adjuster company will commit to any resolution date.
Product: Credit reporting or other personal consumer reports

ExperianXXXX I am filing a complete against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I ensure CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as innacurate due to late reportings. 
XXXX  XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX  XXXX auto finance Remove previous jobs Remove previous addresses Remove phone numbers
Product: Credit reporting or other personal consumer reports

Ive paid off most of my balances on bank of america credit account which has been closed. On my credit reports, still showing i owe full amount. Also showing 3 hard inquiries that should not be on my account since my vehicle is financed through XXXX XXXX. i was already prequalified but it looks like the dealership ran my credit through other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I set up my autopayment on XXXX XXXX XXXX website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked XXXX XXXX XXXX  to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.
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 have already requested this information to be deleted and I've submitted documents showing my current address on XXXX/XXXX/23. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : 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. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Product: Checking or savings account

On XX/XX/XXXX, I visited a Chase Bank branch in order to withdraw my rent of {$1600.00}. After multiple attempts to complete the withdrawal, the ATM continued to deny my transaction. 

Shortly after, I received an email asking me to confirm the transaction and whether or not I was trying to take out the {$1600.00}. I confirmed through the email that it was me attempting to complete this transaction and was approved to continue. 

After confirming my identity through email and being told that I could attempt the transaction again, I proceeded to try and withdraw the funds once again. However, after this attempt to retrieve my rent money, the ATM functioned as if it was dispersing the {$1600.00} in cash, yet no money came out of the machine, and my account was deducted {$1600.00}. 

I conversed with the branch employees and was instructed to call Chase customer service. After contacting Chase Customer Service, I was originally told that my funds would be returned to me by XX/XX/XXXX. Yet when XX/XX/XXXX came around, Chase Customer Service told me that my claim was denied because their findings had shown that the ATM functioned properly. 

After escalating the issue, they then recanted their statement and informed me that they apparently were investigating the wrong ATM. I have still not received my funds and it is approaching XX/XX/XXXX.
Product: Mortgage

My mortgage was sold to Specialized Loan Servicing LLC after paying for 13 years to one other company. The new company doesnt report my payments to the credit companies. I had filed bankruptcy but reaffirmed my house. I sent the reaffirmation letter to the new mortgage company but they still wont report my payments to the credit companies.
Product: Credit card or prepaid card

On XX/XX/2022, {$230.00} was withdrawn out of my XXXX XXXX debit card account from XXXX 's XXXX XXXX. I did not do this transaction nor did I authorize this transaction.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

I dont have capital one XXXX XXXX XXXX XXXX and american XXXX XXXX never opened thoes cards i dont want to effect my credit
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PHH AND XXXX c/o PHH are harassing me with multiple calls for things I have already discussed with them. I have told them numerous times the forbearance plan I am on d/t CoVid does not need to be extended and can resume on XX/XX/XXXX. Since XX/XX/XXXX, I have received a minimum of 10 calls asking me about the same exact thing. I have answered the phone every time they call and told them it was all set. They continue to call me. As far as I can see from my phone log, I can only go by the number normally coming through as PHH, so there maybe more : I have received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. This was supposed to be escalated and the multiple calls were supposed to stop, and they continue. Its harassment at this point. Im NOT behind on my mortgage, I have already spoken with them regarding the forbearance d/t CoVid. The excessive phone calls need to stop.
Product: Checking or savings account

Subject : Complaint Regarding Wire Transfer I am writing to formally express my frustration and dissatisfaction with the experience I had today while attempting to make a wire transfer from my Citibank account. The entire process was inefficient, misleading, and ultimately resulted in my funds being inaccessible when I needed them most. 

I attempted to initiate a wire transfer of {$720000.00} online to a title companys escrow account for the purchase of a property in Florida. My checking account balance was well over {$740000.00}, so there were more than sufficient funds to cover the transfer. However, I was unaware that Citibank has an online daily wire transfer limit of {$250000.00}, as this was never disclosed to me before attempting the transaction. A message appeared informing me of the limit but also stated that there are no limits when conducting a wire transfer at a Citibank branch. 

Following this guidance, I visited the XXXX XXXX, FL branch expecting to complete the transaction in person. To my surprise, I was informed that I needed to schedule an appointment to process the wire. I complied and scheduled an appointment for two hours later. Before my appointment, I received a call from the branch advising me that they could not assist me because my account is linked to a New York branch, and I would need to speak with my assigned banker.

At this point, I was completely unaware that I even had a personal banker, as I had never been contacted by one before. I was provided with a name and phone number and was left to resolve the issue on my own. Upon speaking with this banker for the first time, he informed me that he could not assist me with processing the wire transfer either. His only suggestion was to split the payment into three separate transfers over three days via online banking or to send a fax to the wire transfer department. I was astonished by this responsefaxing is an outdated method that individuals do not typically use to initiate financial transactions, especially when dealing with large sums of money.

In summary, Citibank was completely unable to process a wire transfer above {$250000.00}, despite the message I received stating that in-branch transfers had no such limitations. Not only was this misleading, but I was also given multiple excuses as to why the bank could not assist me. As a result, my money was effectively trapped, and I was unable to proceed with my real estate purchase as planned.

I expect an immediate explanation regarding why this occurred, clarification on Citibanks actual wire transfer policies, and a resolution to prevent this from happening again. This experience has severely impacted my trust in Citibanks ability to handle high-value transactions, and I am now reconsidering my banking relationship. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hi-one of our cell phone numbers has been used by the previous owner ( XXXX XXXX-who apparently owed on uncollected debts/loans ). In XX/XX/XXXX we were given the number as part of the cell phone service ( by the cell phone provider ). 

Previously-it was XXXX hXXXX XXXX XXXX who called and called and called despite being told of the above. Now it is Portfolio Recovery https : //www.portfoliorecovery.com/ We would very much like for this to stop-they now have both our cell numbers and continue to call, day after day. We are now receiving ( on a monthly basis ) between 90-100 calls ; including jpg 's, short code texts and any other form of medium they can think of to harass people. The same approach was used by XXXX. 

I just received a call this XXXX from XXXX XX/XX/XXXX XXXX XXXX. They have called from at-least 3 or 4 other numbers identified as such on the internet XXXX XXXX XXXXXXXX? XXXX We do not owe any debts to anyone nor have we been or are we currently involved ( nor have we EVER been ) involved in ANY form of debt collection. Please make them STOP calling. 

Thank you
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Collections is not from original creditor. I do not owe OAC-XXXX {$210.00}. I never heard of OAC I never did a contract with them.
Product: Credit card or prepaid card

I, the consumer and natural person was denied credit by Citibank , N.A . when I applied for an ExxonMobil Credit Card. Pursuant to federal law, I can not be denied credit. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691 and 15 U.S. Code 1681a.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank N.A., violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Citibank , N.A . denied me credit. 

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Citibank , N.A . may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Citibank, N.A., be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. 


Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit by Citibank , N.A . 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. 

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Citibank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Citibank. Also, I did not provide Citibank with written instructions to retrieve my consumer credit report. 

Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Citibank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XXXX XXXX, 2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received on XXXX XXXX, 2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 1681a, Citibank, N.A., can not deny me the credit I requested.