23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a vague letter from Wells Fargo saying that a review of their records indicated that I as enrolled in the Identity Theft Protect -Affinion product from XX/XX/XXXX. XXXX  to XX/XX/XXXX, asking to me call so they could " care for '' any impact caused by the enrollment. I called and the women said, " How may I help you? '' I said, " I don't know. You sent me a letter. '' She THEN revealed that if I was enrolled but did not want the product, they would send me a reimbursement of {$1100.00}. I said to reimbursement me, and she said that I would receive a check in 20 days. 21 days later I had not received a check and called back. I was told it could take 20 to 30 days this time and to call back after 30 days. I called back on XX/XX/XXXX, and was kept on hold for over 20 minutes, switched to another person and cut off. I called back and the new person told me the check had not been sent yet and they were experiencing " delays. '' She could not say why it had not been issued nor when it would be. I was told to call back in 7 days. I called back today, XX/XX/XXXXXXXX  and was again told the check had not been processed without explanation of why or when it may be. I was " ESCALATED '' up two times due to being very vocal about my feelings regarding how financial institutions should not be allowed to continue to take advantage of people, rob them and destroy our economy without consequences. White collar crime is crime that hurts innocent hardworking people. When people owe them money they ruin their credit, foreclose on their homes and repossess their items. When they owe THE PEOPLE money, they do everything possible to dodge any responsibility and get away with it. The THIRD employee I was escalated up to told me that I was given incorrect information regarding the time frame. He said that it takes 3-4 weeks up to 45 DAYS to receive payment and that I should receive it any day. I asked him if the check had been cut and put in the mail. He said, " they could not see that information. '' The previous employees seemed to have that information and yet this one did not? XX/XX/XXXX, will be the 45th day. I do not have high hopes that I will be receiving my check from this crooked financial institution and will be calling back on XX/XX/XXXX, so they can continue to play their devious games instead of doing what they were ORDERED IN COURT to do. I told several of the employees I was issuing this complaint and agreeing to have it published on the consumerfince.gov website. I hope others see it and do not let Wells Fargo continue to get away with this crooked behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX reported to Equifax, XXXX and XXXX information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX  ( XXXX  ) has reported a late payment as I was late making a payment during the Pandemic which I explained I was not able to pay as, I was in XXXX and was not able to pay the card as I did not have internet access. I paid the card a couple of days late, calculated the interest for the additional days and paid the outstanding balance plus the interest. The balance was about {$170.00} and I explained that the {XXXX} later fee was onerous for the balance mentioned above so I would not be able to pay the interest. The young lady evidently was not able to have the late fees waived and I was not notified by XXXX of the late charge. The account was closed but XXXX continue to report the {$30.00} late fee on my statement. I am a Senior living on very limited resources and on a principle, I do not have the funds to pay for a few days late on the small balance mentioned above. This seems to be extremely vindictive by XXXX  because I closed the account 2. I have the similar issue with Barclays Bank ( BB ) JetBlue credit card. I called into the Credit Card Center to get the payoff balance. Based on the balance given, I drew a check made payable to BB Credit Card to cover the outstanding balance. The person who calculated the outstanding balance, did not take into the calculation, interest to date since the last statement date. Subsequently, after making the final pay-off figure given by BB JBlue CC , the interest accrued prior to the pay-off date was not included in the pay-off figure. Even though the card was closed XX/XX/2016, BB Credit Card continued to maintain the outstanding amount plus interest, until the account balance was {$100.00} approximately when it was written off. This company has not removed this from my credit record.
Product: Credit card or prepaid card

I have a Capital One GM credit card with a rewards program called Buy Power Rewards. For every GM dealership or service department work done, I accrue points that I can use toward a statement credit or toward the purchase of a new XXXX vehicle. Even if my rewards total over XXXX points ( equals to {$250.00} ), I can only use XXXX points per calendar year. On XX/XX/2020, I had service work done on my vehicle in the amount {$150.00}. As of today XX/XX/2020, I have accrued {$260.00} in points Today, I contacted the Reward Program customer service to ask that they apply points to pay off the bill of {$150.00}. The rep named XXXX kept me on the phone for almost one hour explaining the entire program to me, when all I asked for was that the rewards be applied. Due to some contradictory pieces of info that she provided, I had a few questions that she couldnt answer, so she just kept repeating herself about the program details. I finally asked to speak to a supervisor. She put me on hold several times, saying that she was looking for a supervisor but couldnt find one. Then she said that she found 3 supervisors but she would relay my questions to the supervisor on my behalf. She also said that her supervisor was in the building but she didnt know where. After repeated requests to speak to a supervisor, I was never connected to one. She admitted that she did not work for either GM or the credit card company, but was an independent contractor. She ultimately applied the reward to my credit card, but not as I requested. Instead of applying only {$150.00} in rewards, she applied the entire yearly allotment of {$250.00} to my credit card. When I advised her of this, she said it was her mistake and she'd fix it so that only {$150.00} would be rewarded. I called back and spoke to another rep named XXXX and he said once the reward request has gone through, it can't be changed. So now I have to either get a refund check from the credit card or leave the credit in case I need more service work done.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated 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: Debt collection

Have no idea what these people are calling about I do n't owe anybody anything I have not defaulted on anything!! These people call incessantly using a XXXX and leave long disturbing messages on answering machine. They only give number to call them back which I will not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C is saying I have a open debt currently on my account. This account is 4-5 years old but is being reported as new as of today, again.
Product: Mortgage

I have a mortgage loan with citizens one. XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX citizens one charged us a bankruptcy and foreclosure fee. We were current with R I Housing hardest hit home fund. My escrow payments increased significantly since we been paying our mortgage ourselves since XX/XX/XXXX. I asked for a statement and citizens charged us and can see the charge for B/R and F/C. We were under the hardest hit home at the time. I contacted citizens several times and they ca n't explain what this fee is for snd why I was charged. On XXXX/XXXX/XXXX there is a fee of XXXX for misc. B/R and F/C fees. This has caused a shortage in my escrow. We do n't owe these fees this is a mistake on their part that they refuse to correct.
Product: Debt collection

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This credit report ( HYUNDAI MOTOR FINANCE ) has been cleared off the other XXXX bureaus yet XXXX still has this on my credit after XXXX  years. I was young then and of course made mistakes that I have learned from. Im trying to get my credit where it needs to be and this is hurting me. I just want to see it removed please. XXXX  years of being denied a vehicle and honestly Im just ready for a new beginning and fresh start. Thank you.
Product: Debt collection

This collection was already resolved previously and a new company decided to try and buy the debt and reopen it, which is illegal and needs to be removed all together. 

This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no connection with the dish, and wait time for a phone call was XXXX minutes with no answer. I then called XX/XX/XXXX to pay the debt despite not having any service which XXXX knew well I was having major issues with my dish but was not going to allow anyone inside my unit due to covid. So I did not schedule a technical call as they said they would have to enter the premise, I told them to please cancel as I had no access to the product and services. I kept getting billed for 4 months after. Mind you I signed a contract in XX/XX/XXXX for 24 months, so they were billing me after the contract was no longer. The equipment has been disconnected for months and waiting return. I was informed me they then sent return item in XXXX, which it never arrived, so more lies on the companies part. Now they want {$400.00} plus missed item fees that can be more than {$150.00}. I should be responsible for nothing for a service that had " no signal codes '' since XXXX and a contract that expired at the end of XXXX. They need to stop collection activities for an account that one should have been closed, a service that number 2 couldn't be accessed due to technical problems and because of Covid unrepairable without putting my health at risk. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

By first name is spelled incorrectly.
Product: Mortgage

I have my Primary home Mortgage with XXXXenfed Federal Credit Union and I have been on forbearance until XXXX and made 3 trial payments after that and my 3rd trial payment was done on XX/XX/2021. I'm told that it takes 30-45 days from the date 3rd payment was made to reissue the modification statement and to bring back the loan to current. In the mean time, I started working to refinance my loan with another lender. And my other lender said, he can not close the loan, until penfed provides the document that the loan is current. I constantly following up with Penfed and they are not giving me any estimate on how long it takes to provide the loan modification statement and they are not giving me any positive responses. And my interest rate lock expired 2 times and the rates are constantly rising and Penfed is not helping me out. It is almost 60 days since my 3rd payment made and still no response from them.
Product: Credit reporting or other personal consumer reports

THOSE FRAUD inquiries shall delete from my credit report. 
XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX FCU INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX DATE : XX/XX/year> XXXX FCU INQUIRY XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/year> DELETE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.
Product: Credit card

The promised promotion to give bonus XXXX miles was not given because of the reason that minimum spending was not met. The minimum spending have changed to higher number than previously offer. This is not honor to the offer. 

And after calling, the agent admitted the mistake but could n't correct the issues or take responsibility to reissue the promised miles due to the request are not in 4 months time frame after issue the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Called PHH on XX/XX/XXXX confirming receipt of my new homeowners insurance policy that took effect on XX/XX/XXXX. They confirm it has been received and that the new policy purchased by PHH was canceled and that I do not owe them any additional money besides my monthly mortgage. Fast forward to XX/XX/XXXX, I received a letter from PHH stating I owe them {$1300.00} for an escrow account. I have not sure what games they are playing but I do not owe PHH anything extra beyond the monthly mortgage.
Product: Credit card or prepaid card

I currently have credit cards with XXXX XXXX and suntrust and due to the pandemic I had been having financial issues and as a result I have enrolled in a debt relief program to handle all of my debt called National debt relief. Suntrust was made aware of this over several months ago. Since being made aware, Suntrust bank revoked card privileges over 6 months ago. The problem I am having still is that this card is delinquent over 190 days and they still have card open and charging open interest fees/ late fees instead of charging off the card. XXXX XXXX went delinquent same time as Suntrust and cards are now charged off. I have called Suntrust credit card department several times about this issue and they are not giving a definite date as to when this card will be actually charged off. 

Why isnt the credit card account number fully displayed on actual statement??
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 that receiving lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Jefferson Capital Systems llc is reporting that I have an open balance owed worth {$10000.00}. This is not true because theyve sold the vehicle for that amount already. I do not owe them. Theyre also reporting that the account was opened XX/XX/year>. That is also false. Theyre reporting false information on this account
Product: Debt collection

I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for Midland Credit to provide me with a physical copy of my contract with them and the original creditor XXXX XXXX, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and Midland Credit has not submitted any evidence of the account belonging to me This is the second account that Midland credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.
Product: Checking or savings account

I signed up for a Relationship Checking Account at BMO Bank. After several months, I noticed I was being charged a monthly maintenance fee despite meeting the requirement of maintaining the minimum daily ledger balance. BMO 's website says, " To waive the monthly maintenance fee, you must maintain a minimum daily Ledger Balance of {$10000.00} or more in the account for the previous calendar month or you must meet the {$25000.00} Monthly Combined Balance for the previous calendar month. '' The product disclosure terms also specify that accounts must maintain the minimum daily ledger balance OR meet the monthly combined balance. This also aligns with what I was told verbally by a bank representative ( on the phone ) when I first signed up for the account.

I called BMO Bank to have the fees refunded to my account, but the customer service representative refused, stating that I had to meet both requirements. She confirmed that I had met the minimum daily ledger balance requirement, but said my account did not meet the monthly combined balance requirement, and therefore I was not eligible for a fee waiver. I pointed out that this contradicted what was on BMO 's own website, but she continued to refuse to refund the fees. I asked to have my call escalated to a manager, but she said no one was available. Despite saying that a manager would call me later, I am still waiting to hear back from BMO to resolve my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit FTC violation.