23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so i believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting Transunion and XXXX today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX website XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX ) and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this. 

I have attached a copy of the letter from the XXXX clerk office showing the date the lien was paid/satisfied and ordered removed for the XXXX clerk office. The bureaus advised that this letter does not suffice for removal.
Product: Money transfer, virtual currency, or money service

Dear Sir/Ma On the XXXX XX/XX/2022 I transferred {$1000.00} on the citizens bank app through XXXX  to my sister ... and the payment failed but citizens bank have refused to refund my money even till now. 

It is almost 2 weeks now I have called the customer service representative couple of times all to no avail. 

I visited the branch at XXXX on Thursday XX/XX/2022 still nothing is been done to the injustice. Attached are the statements I pulled out of the citizens bank app. 

I also attached the payment failed screenshot. 

Your prompt action is highly appreciated. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Debt Recovery Solutions , LLC. 

The first account is owned by XXXX XXXX for a balance of {$700.00}. This account appears on my XXXX  report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$480.00}. This account appears on my XXXX account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX   report FOUR  times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$440.00}. This account appears TWO separate times on my XXXX report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX  report TWO MORE TIMES by Debt Recovery Solutions , LLC with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by Debt Recovery Solutions and was sold to XXXX XXXX however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. 

The next account is owned by XXXX XXXX for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

And the final account is for a total of {$240.00}. This account appears on my XXXX  account under XXXX XXXX TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as XXXX XXXX for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX cancel my trip, schedule to depart on XX/XX/XXXX from XXXX, FL to XXXX due to the Coronavirus pandemic and I do not have a full refund. 
Below is the sequence of events that led me to submit a dispute for {$680.00} On XX/XX/XXXX, I book a cruise from XXXX, USA to XXXX, XXXX, sailing on XX/XX/XXXX on the XXXX XXXX XXXX XXXX confirmation # XXXX thru my Travel Agent XXXX   XXXX XXXX ( Ph # XXXX ) Paying at that time {$900.00}. A second payment for the balance of the cruise was pay on XX/XX/XXXX for the amount of {$750.00}. A third payment for transportation from XXXX to XXXX XXXX, XXXX was pay on XX/XX/XXXX for the amount {$59.00}. The total amount for the cruise comes to {$1700.00} including taxes and fees for {$210.00}. 
On XX/XX/XXXX XXXX XXXX XXXX releases a communication that they cancel the sailings between XX/XX/XXXX and XX/XX/XXXX due to the Corona virus. This announcement makes me pay more attention on my incoming trip. 
On XX/XX/XXXX XXXX close all the Ports to cruise ships On XX/XX/XXXX XXXX XXXX XXXX. Communicate in a Press Release that cancel the sailings till XX/XX/XXXX. 
Because my cruise sailing XX/XX/XXXX was cancel, I read THE TICKET CONTRACT and in SECTION 6, CANCELLATION, DEVIATION OR SUBSTITUTION BY CARRIER PARAGRAPH i, establish, that passenger shall have a right to a full refund of the Cruise Fare if the Cruise is canceled in full, or a partial refund if the cruise is terminated early. 
I call XXXX XXXX XXXX. to ask what to do next, and they told me that have to call my Travel Agent and they will take care the refund and so I did. 
I call my Travel Agent ; explain the situation and he said to me that he has to call XXXX XXXX XXXX. to find out what to do. He calls me the next day and explains to me that he has to cancel the cruise and require the refund to XXXX XXXX XXXX. and I will receive in one week, it looks according with XXXX XXXX XXXX. that this was done on XX/XX/XXXX. 
Since I did not receive the refund I call my travel agent and they told me that coming from XXXX XXXX and I have to talk to them, that XXXX XXXX is responsible for the refund. I call them several times and they do no connect me to the customer service dep I call my Citicard to dispute the charges. I have been a Citicard member for several years and the only time I use their customer service for the right reason I have encountered the worst and most unprofessional dispute department. I get a credit of {$1000.00} and Citicard for no reason on XX/XX/XXXX give XXXX XXXX {$680.00}. An alarming number of people are complaining about their Citi credit card accounts according with XXXX XXXX on XX/XX/XXXX that let me think that something is not right here. The complaints referenced in the Consumer Financial Protection Bureau database, include those related to merchant disputes.
Product: Credit card or prepaid card

My cc was compromised on XX/XX/XXXX while traveling from Florida to Georgia. I was notified by 5th 3rd Bank by e-mail and text saying that my card had suspicious activity and I immediately called the fraud department to inform them the charges were not mine. I had two charges one being {$120.00} & the other for {$100.00} on XX/XX/XXXX. I was issued a case # thru the fraud department at 5th 3rd Bank and called several times thru the process of completing the removal of fraud charges, to include late fees and interest on my cc. I was issued a new card via expedited services from the bank and got charged {$30.00}. I have never used either of the cards from that point of the fraudulent charges. A case was opened on XX/XX/XXXX for the 2 disputed charges. I called again to just check the status as the FRAUDULENT charges were still showing on my old card. I paid my last payment in full in XXXX minus the two charges in the amount of {$220.00} and fees charged for the card with the outstanding balance still attached. I was reassured by the fraud department that I WOULD NOT BE RESPONSIBLE for all the extra late fees monthly as well as the interest charged. The policy at 5th 3rd is a 90 day window to complete the case which was finally rectified in my favor on XX/XX/XXXX and to date the charges are sitting on my replacement card with late fee and interest charges. I called the fraud department and spoke to a supervisor, XXXX who said she would have to check into this again. She left me a voicemail on XX/XX/XXXX telling me I still had an outstanding balance left on my last statement that had the fraud charges which I did not include in the full payment and are showing outstanding on my replacement card. I also went thru my XXXX statement online and have ZERO CREDITS FOR THE FRAUD CHARGES. I had told 5th 3rd Bank all along that I would not include the full payment as I was not paying the fraud charges. Nowhere on my day to day statement do I show a credit for the charges of {$100.00} & {$120.00} to include a {$40.00} late fee, and interest fee. I have not charged one thing on either card since the fraud happened on XX/XX/XXXX. This could be any easy fix as the amount of FRAUD IS the only thing left on my replacement CC. I have tried to tell them this and they seem to be trying to pull a fast one as if they can not see the fraud disputed amount is on my new cc issued and show it was not paid in full on my last statement. I am now referring my complaint to you all for help in resolving the issue as the amount of time spent on the phone holding is not working due to my work schedule. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; Trans Union and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
Product: Credit card

I had asked the company to close the account in XXXX of 2023 and they never did. I did not have a credit card, they would send it to me but I never got it and now they are charges that I am not going to pay. I asked them several times and they have hung up on me several times and now we have the late payments, interest and the impact to my credit report. They were supposed to send a $ XXXX balance that remained on my card as well that was never received.
Product: Credit reporting or other personal consumer reports

My account with Navy Federal was involved in data breach and someone applied for car loans but I caught it right in time and changed my accounts and password and so fined affidavit. I requested for the inquiry to be removed and havent received any response about investigation or inquiry removal was told to wait only
Product: Bank account or service

Earlier this week I opened a new money market account online. My account is a joint account with my wife ; however, the process to open the new account online included me providing my driver 's license, and none of my wife 's information. Several days later, the new account appeared online, in their online banking system but did not display the interest rate ( likely under 1 % ). I called the XXXX number to speak with a customer service agent and they advised me that I was not on the account. I explained that the account was opened by me using my driver 's license. Also, I had authenticated with them with the password on my account. Since I was logged into their online banking portal, I could provide complete account number for all XXXX of my accounts, including a checking, XXXX savings, and a mortgage account. I asked to speak to a supervisor or manager so I could understand the protocol around authentication and account ownership. I was once again advised that I do not own or have access to the new savings account opened earlier this week. I asked who opened it and they again stated they were not allowed to discuss the account. I will likely be closing my account after the rude treatment and lack of service. I 'm not sure if there are regulations which protect me from not being able to get access to my money or account information, but the whole experience just seems backwards. It is sad to end a banking relationship with a bank I have trusted for over 10 years ; and also it is annoying that I will have to reroute a handful of auto-payments for utilities, etc to a new financial institution. Oh well, I guess BBVA has too many customers, and their cost of customer acquisition must be very very low. Good for them, bad for me.
Product: Debt collection

When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.
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, to 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 XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Capital One Auto Finance repossessed my vehicle but, did not give me the proper documentation even as of today from approximately two years ago. 

Under the laws of North Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I did NOT receive proof that the repossession transaction of my vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELESS OF NOTIFICATION BEFORE DISPOSITION OF COLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Capital One Auto Finance was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle that I never received. 

Per North Carolina Law I requested proof that is required to be given with 15 days and it's going on 60 days and I still have not received the requested items. Capital one has been in receipt of my certified mail notices and has been in violation therefore, the alleged claim of a deficiency should be considered null and void, and any continued collection activities or continued reporting to the credit bureaus of this invalid claim on my credit reports is a violation of the FDCPA, FCRA and 16 CFR Part 660. 

Capital One was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle and this has NOT been done. I have not received notification before the Disposition of Collateral as required by North Carolina UCC 9.611. Furthermore, evidence that all applicable notices were not provided to me as well. These mandatory notices may not be waived prior to default in accordance with North Carolina UCC 9.624 Therefore, Im requesting for their item be removed from my credit report and the debt to be considered null and voice per NC State law previously stated.
Product: Credit card

Bank of America changed my bank card online today XXXX XXXX, 2025, they still havent addressed the issue of discrimination because my account has stayed in good standing with the banking institution. This is the reason I believe for all of the double charges, Nor have they compensated for the fair credit billing act violation that occurred. Nor The elderly financial abuse that Bank of America continue to display with me.
Product: Debt collection

I was contacted by phone to let me know that the caller would be coming to my home on XXXX XXXX, 2016 to have me sign forms regarding collecting a debt I ( supposedly ) owed. 

When I asked the caller what was the debt? She did not tell me but referred me to a phone number to call to get such answers. She politely supplied the number, and I immediately called it. The number I called : ( XXXX ) belongs to a debt collection company LHG - Lionstone Holding Group. I spoke with a customer service representative by the name of XXXX XXXX. She verified that they were attempting to collect a debt from a XXXX XXXX at telephone XXXX. The social security last for digits did not match my social security number and the date of birth also did not match my date of birth. With this information verified, she said that the may have the wrong person, and to not worry about it. I asked for the address that they were sending the first caller to, this they would not diverge because they said it did not matter since it appears that they probably had the wrong person. 

I told her that this matter still mattered to me because I had never heard of a credit collection agency sending someone out to your home to have persons sign papers regarding a debt. The Rep replied that that part was handled in another department and she did not know about that portion of the work. I asked what was the debt, but she insisted that since the social security number and DOB did not match, she could not tell me any more about the debt. I told her I was very disturbed about how the whole issue was being handled because I was called on my phone and harassed about a debt they claim I owed and would be coming to my home on Friday XXXX XXXX ) to have me sign certain forms, yet they can not tell me what kind of debt or how much it is ... after disturbing me in my home by an harassing phone call over it ...., left me disturbed and unsatisfied with the results. I also told her that I had never heard of a collection agency being sent to your home to collect a debt or sign papers concerning the debt, and that the only people I know that come to your home are sheriffs to serve notices and warrants - and they come with guns on their hips prepared to protect themselves ; I also stated that the collection agency 's practices were disturbing to innocent people and dangerous to the people being sent out, and I would report this incident to Consumer Financial Protection Bureau both for my sake and for the workers ' sake, and that they needed to change their practices.
Product: Checking or savings account

I applied for a small business checking account through TD bank in order to apply for the PPP for my XXXX  XXXX.

I received an email that my application was received, but after about a week I had not received information from TD Bank so I called their customer service hotline. They told me that I could not be helped over the phone, and that I must make an appointment to go in person to a TD branch, despite the Covid-19 emergency.

I went to my local TD bank branch. A bank employee called the TD bank central number to check on my account application status. They told her they could not help at all, that it was no use for me coming into the branch. The bank employee apologized for wasting my time. I asked that they close the account and cancel the application, but I was told at the branch that was not possible.

I went home and opened a small business account, the next day, with a different bank. There was no delay.

A few weeks later, TD sent me a letter saying my account has been opened. I don't need this account because it's too late -- I already applied for the PPP through my other bank. I called TD asking for them to close my account, and they said -- once again -- that I need to go in-person to the branch. 

I refuse to waste any more time with this. TD bank needs to close my bank account, which has a XXXX balance and I have never used.