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

I attempted to use a balance transfer to another Credit Card while i'm in an accelerated graduate school program for one year working part time. Instead of Bank of America processing the amount I requested, they processed a repeating payment of an amount I did not agree to my XXXX XXXX resulting in repeated cash advance fees. The repeating transfers were fraudulent and incorrect amount and I lost my promotional APR balance transfer on my new XXXX XXXX. Bank of America also closed my credit card account, negatively impacting my credit score. I tried to call and correct this with them and they hung up on me and did not return my call and proceeded to close my credit card account.
Product: Debt collection

I spoke with a representative from Discover Wednesday XX/XX/XXXX at XXXXXXXX XXXX. I asked the representative if I could make a partial payment on the account. I was told the account will still go to collections because I would not be making the full minimum amount. I was also told that I was not eligible for another program because I just completed a 6 months financial hardship program. A representative from Discover called Tuesday XX/XX/XXXX at XXXXXXXX XXXX. I told the representative that my only form of income is Social Security Benefits and I could pay {$50.00}. He told me to check back monthly to see if any new payment arrangements were available because the payment arrangements are AI generated based on the status of the account. He also said that if no options became available then there will definitely be payment arrangement options once the account becomes 6 months past due. Received an email from Discover XX/XX/XXXX at XXXX XXXX stating to contact a representative regarding the past due amount. Another representative from Discover called Wednesday XX/XX/XXXX at XXXX XXXX I told her that I had spoken with a representative on XX/XX/XXXX. I explained the options he had given me. Her response was she didn't know why he told me that because at 6 months the account would be charged off. I told her once again that my only form of income is Social Security Benefits and that I could pay $ XXXX.She would not accept that. I received an email from Discover XX/XX/XXXX at XXXX stating to contact a representative regarding the past due amount. XX/XX/XXXX at XXXXXXXX XXXX. I received a call from a representative from Discover she did not state the call was an attempt to collect a debt. I told her that I had spoken with a representative on XX/XX/XXXX. I told her that my only form of income is Social Security Benefits. I asked about the 60/60 plan where I would only pay 60 % of the debt over 60 months she said that she had never heard of that plan and she had been there 20 years. She then asked me to develop a hobby to generate side money. She said that I could make extra money by delivering groceries XXXX XXXXXXXX. I told her that I don't own a car and I'm XXXX and do n't drive. She then told me about a person who made earrings for someone as a XXXX gift and was able to start selling the jewelry that she made to make money. She then described how another person developed a business out of putting wood together to build things and he later had to hire 7 people because his business grew so fast. She then described how another person started baking bread and started a business by riding their bikes or walking to deliver the bread to the people who ordered it. She also said that she would enter that I'm not willing to pay the debt into the computer. Which is absolutely not true I told her that I have been trying to pay by asking for other options but no one at Discover has been willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : XXXX XXXX I - XX/XX/XXXX Experian : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX I XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Product: Credit reporting or other personal consumer reports

I signed up for an experian account and then downgraded to the free membership they offer. In light of the massive data breaches the company has fallen victim to I no longer feel secure with having a membership. Ive tried calling multiple times but the companys automated receptionist does not allow you to cancel your membership. At best it redirects you to refer to the website however, the website explicitly states you can only cancel over the phone. I just want my account cancelled but the company has intentionally obfuscated the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, my credit score has always been above 800 until recently. 

I opened a XXXX XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. 

On XX/XX/2023 I received a letter from XXXX notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. 

I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. XXXX 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. 

The credit card number ends in XXXX with XXXX XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. 

I also sent a letter to Trans Union regarding the same on XX/XX/2023 and notifying them I have dispute XXXX Report..
Product: Credit reporting or other personal consumer reports

Credit Bureau has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience with Experian, XXXX, and XXXX where these bureaus has neither corrected nor removed disputed items despite evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, and the credit bureaus inaction violates federal law and my rights as a consumer. In addition, per USC 1681i ( a ) ( 7 ), I demand a description of the procedures utilized by the credit bureaus to investigate my disputes. All three agencies keep coming back saying they have verified my accounts with XXXX XXXX, when I have submitted documentation from XXXX XXXX showing they are not reporting the bankruptcy account at all. In addition, I have submitted proof that the US Bankruptcy Court does not report any information to any credit agency as well. I have even had the credit bureaus state they can not verify my identity. I am attaching identity verification to eliminate this excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Deletion As an aside of writing a very serious complaint toward Citi Bank, based on the constancy of very poor Customer Service from my personal experience and interaction ( s ) that includes representatives frequently transferring, long wait/hold times, and also very frequent disconnect call ( s ) /calls being dropped by the Customer Service Representative ( s ) I am formally requesting an inquiry and investigation. Below is a recent communication interaction. ( Noting that the first payment collection representative transferred me to a Customer Service Representative because he stated that he could not see on his end some of the specific communication points within my Account with Citi Costco Card. He could only assist me with collecting payment. The representative in whom he transferred was additionally unable to assist me with information and she disconnect hung up in my face. The information below is an additional communication inquiry ) XXXX XXXX XX/XX/2021 XXXX XXXX Contact Telephone Number Dialed XXXX No letter sentwe verbally notify you that your account is being closed. 

We typically do a similar action to show that your credit line was being reduced. 

XX/XX/2021 it mentions both ( closure and reduction ) letter sent to address on file Credit Line Reduction dont have anything showing the specific date. 

Credit reduction usually doesnt effect your credit Engaged in a descriptive scenario for clarity ( XXXX limit reduced to XXXX limit with previous balance definitely effects credit reported as gross negligence ) Transferred the call at XXXX ( XXXX XX/XX/2021 ) On hold until XXXX am XXXX I show that Decrease AND closure happened on XX/XX/2021. ( XXXX ) XXXX reduced to XXXX on XX/XX/2021. 

Click on the services Tab click on the Statements and Documents I clicked on the XXXX and XXXX tabs ( see attached ) Please make sure and identify with whomever you will be transferring me to that on your end you show that the changed happened on XXXX XX/XX/2021. Also describe the frustration of the previous customer service experiences along with not having been offered any FEMA nor Covid-19 ( CARES ACT ) services or aid. Also mention that as of today, it seems that upwards of 5 late payment ( s ) delinquencies and charge offs show ; this has a definitive effect on my credit. 

Put on hold XXXX Call disconnected at XXXX. 

In conclusion, I was not offered any services in regard to the Natural State of Emergency issued in neither Texas ( FEMA ) nor any Covid-19 ( CARES ) act services. It was concluded by 3 separate representatives from these communications - that the only information sent out via mail to the address on file happened on a Federal Holiday ( XX/XX/2021 ) and that this subsequently was the time when the Credit Reduction AND Account Closure occurred. Based on the online statements ( attached ), the confident statements made by 3 separate representatives prove to be false. Please advise.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX
Product: Mortgage

I initially reached out to the DBO because we were seeking assistance with modifying our home, as we had not yet be asked or given any chance. In our initial email to Freedom Mortgage, and per their direction on their website and MAA package, we were to email them at " XXXX '' on XX/XX/XXXX. Within that email, I outlined exactly what was attached to the email : Financial Statement, Verification of Hardship ( Letter ), Signed 4506-T Form, Proof of household income : ( pay-stubs for the last 30 days, and IRS tax returns ), Bank Account Statements - 2 most recent, and an Authorization from our BK Attorney, so that they may contact us directly. Upon sending that email, we received an email confirmation. We later received a letter from Freedom Mortgage requesting a Hardship letter and a copy of our XXXX tax returns. Within that letter, they requested that the information be sent to them no later than XX/XX/XXXX. Please note, this information was sent to Freedom Mortgage on XX/XX/XXXX, via email. Of which, we received another email confirmation back from them. Today ( XXXX XXXX, 2020 ), we received a letter from Freedom Mortgage dated XX/XX/XXXX, indicating they have " ... closed our review ... because they did not receive ... " Properly Executed IRS Form : 4506-T and Documentation to Support Hardship. '' Please note that the 4506-T Form provided was what I downloaded from their website. At no time did anyone contact us or provide us with any information indicating what is not " proper '' about it? You would think we would be given a chance to correct it, assuming it's not accurate? Additionally, at no time did we get asked to provide " Proof of Hardship. '' We were only asked to provide a hardship letter. Shouldn't that have been something they should have said from the start? Instead, they decided to close out our review and not give us any chance at all. This again shows that they are not trying to help us, as customers retain our home. Please note that I do not have any messages or calls from any, either. Which, I provided them proof of authorization from our Bankruptcy Attorney, so I'm not sure why we didn't receive a phone call or a letter with these specific requests?
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Product: Checking or savings account

I deposited a check given to me because I won a judgement from XXXX XXXX, the check writer. I physically entered the branch, it is also the bank I bank in. I endorsed check 2, XXXX and asked it be cashed. The teller went into check writers account and okayed the check for the amount of XXXX. I then had the teller deposit XXXX and give me XXXX in cash. The bank, CHASE BANK, then kept the check for a week and after a week they sent it back for insufficient funds. Charged me XXXX and a XXXX per check that bounced, which they were two because they sent it back. I called the bank spoke to everybody up the ladder till I reached a manager, who informed me that they can do anything they want with my account for 6 months after check was cashed and the remaining cash then deposited. I went into the physical structure and they refunded my charges of XXXX. I went into the bank cashed the check, the funds were in there when I entered the branch, because she cashed it after checking his account, means that the funds were in there. They can't deny that.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I am in XXXX XXXX. I was admitted to Hospital XXXX. However, I did not sign any voucher or invoice for the charges on my card of {$5000.00}, I did not authorize this charge at all. I disputed the charge with Chase, they did not resolve it. I was sent a new card because I made a fraud claim on the {$5000.00} charge from XXXX. Chase apparently validated the charge. I did not sign anything, did not give authorization to anyone to sign on my behalf. I will not pay the {$5000.00} charge to XXXX XXXX. This is having a negative effect on my credit. I want the charge reversed. 

I do not understand how they did not validate the fraud charge. XXXX did not treat me, I was there against my will and moved to a different hospital where my covid was resolved.
Product: Debt collection

Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. 

This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus. 

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. 

The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed. 

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! 

Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done. 

I am beyond frustrated as this is damaging my credit. 

I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.
Product: Credit card or prepaid card

On the XXXX of XXXX I received an email from Chime saying my account has been put on hold due to suspicious activity but there isnt any suspicious activity. My back pay from the Georgia Department of Labor was direct deposited into my account and I didnt have a physical card anymore because the last direct deposit I had was in XXXX ... therefore I only had a virtual card and my birthday was Thursday and when my boyfriend took me on a lil birthday trip over the weekend the only way I could access funds was to send him money via XXXX  or through email or his phone. Im XXXX and I cant even access my funds and I have bills due
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment date for my loan was XX/XX/XXXX. I was unable to make a payment via XXXX and tried via debit card for a couple weeks as their website was not showing all images and buttons to continue to payment, preventing me from making the payment via debit card instead of XXXX. It wasnt until I received an email from XXXX  on XX/XX/XXXX saying that I needed to make a payment that day to prevent my account being reported as 30-days late with the credit bureau via a link to the debit card screen was I able to finally make the payment via debit card instead of my bank account and I made the payment right away in full. Soon after I made the payment, the account was reported 30-days late to the credit bureaus. I then reached out to XXXX  gia email as they do not have a phone number to talk to anyone letting them know that an error was reported on my credit report and it needed to be fixed ASAP. The answer I received was that they only report accurate information to the credit bureaus and theres nothing I can do to change that. I then email back with my pay schedule showing that my due date of XX/XX/XXXX payment was late, but it was not late 30-days, so they were reporting inaccurate information to the credit bureaus. I also forwarded the email I received that advised me to make payment that day to prevent negative information from being reported to the credit bureau. They have gone silent since then. Im trying to buy a house and this has significantly impacted me and my familys lives as Im now at a stand still until this issue is rectified. They are inaccurately reporting information to the credit bureaus and Im unable to get a hold of anyone for recourse as they only communicate via email.
Product: Checking or savings account

On XX/XX/2020 I went online to clear my email then notice I had a correspondence from Wells Fargo that they had to transfer monies because my account was overdrawn. I found that to be strange because I new I had more than enough funds to clear the checks I sent out for bills. When I logged into my account I saw '' EVERYDAY CHECKING Account ... XXXX XXXX Available balance '' My mouth fell to the ground. I logged into the account this is what I saw a bunch of with drawls in on XX/XX/2020 .CARD PURCHASE XXXX ( not my debit card ) in different amounts until my account was emptied and the checks I wrote they charged me overdrawn fees. 

Mind you this is about XXXX XXXX  the night before XXXX zero monies in my account.l I called the to file a fraud claims, I was given a claim number XXXX A total of {$2000.00} was taken from my account plus {$25.00} in overdrawn fees. I spoke to someone they said they would call me back it is XXXX XXXX  XX/XX/XXXX. 2020 and no one has called me back. This is wrong, disgusting, disrespectful How Wells Fargo has treated me.
Product: Debt collection

I told XXXX XXXX that I no longer want to do service with them. And they won't tell Ally lending to stop sending me bill. XXXX XXXX damaged my eyes with the XXXX. I don't want to get anymore treatment from XXXX XXXX. I wish Ally Lending would stop billing me and give me my refund.
Product: Mortgage

My XXXX XXXX XXXX XXXX  husband. Refinance the home. Only in his name, but is showing on my credit