23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

NetSpend sent me an unsolicited prepaid card. I did not ask for it, and despite what they claim in the fine print, I did not indicate interest in receiving similar offers. I did not apply for it, they mailed it to me out of the blue. My understanding is that this is illegal, and I intend to report them to the authorities.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT SHOWS A HARD INQUIRY FROM CAPITAL ONE CARD SERVICES. I REAHED OUT TO THEM BECAUSE I HAVE NOT HAD A CREDIT LINE FROM THEM IN YEARS. I CLOSED MY LAST CREDIT LINE YEARS AGO AND IT WAS LEFT IN GOOD STANDING. I CALLED CAPITAL ONE AND ADVISED THAT I DID NOT REQUEST A NEW LINE OF CREDIT FROM THEM. THEY ADVISED THAT IT MAY BE ANOTHER PERSON BUT THEY ARE UNABLE TO REMOVE THE NEGATIVE HARD INQUIRY. THEN I RECEIVED A DENIAL NOTICE IN MY EMAIL BUT I NEVER REQUEST THE LINE OF CREDIT TO BEGIN WITH. I JUST WANT THE HARD INQUIRY TO BE REMOVED FROM MY CREDIT REPORT. IT WILL EFFECT MY CREDIT REPORT NEGATIVELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two previous CFPB complaints that were previously filed by me on the same matter of being restricted to using two different credit report access accounts ( service.transunion.com and XXXX, which both do not allow the same access to your credit report that the Transunion.com allows. We had received a letter back in XXXX that informed us our mortgage loan had been sold and was being transferred to another lender and servicer. Soon after being informed of these changes bot my wife and I was kicked off of one of Transunion 's free accounts and was told that we had to use the service.transunion.com from now on as the only available access for both of us, When calling into Transunion we were informed of the changes but much like with another credit reporting service, they too denied us access to the a paid credit bureau account. 

See previous complaints on same matter : XXXX and XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was at a event and lost my debit card. I immediately requested a replacement card the following day and tried to contact the bank. I couldn't dispute the transactions until they posted so on XX/XX/XXXX, I submitted a formal fraud claim for some transactions that I did not make. The total for these transactions was roughly {$310.00}. Kabbage looked into these transactions and flagged them as fraud/returned my money but then immediately put a lock on my account. At this point, I was unable to access any of my funds in my bank account and no matter who I called and spoke to, they told me they couldn't unfreeze my account until a supervisor spoke to me. I was without funds or access to my money for the rest of XXXX and now all of this month. I requested to speak to a supervisor XXXX separate times but was told they had to call me back... I never received a call back. Roughly a week later, my replacement card arrived in the mail but it would not let me activate it because my account remained locked. I called back and was told that this " lock '' was just automatic due to fraud and would clear up in 3 days. 3 days passed and it still remained locked. Everyone I called and spoke to could not tell me why or how long it would be locked for. I fell behind on my bills because I was unable to access any of my money. At the beginning of this month ( while I no longer have the old card, and while my account still being locked ), Kabbage started allowing charges to go through on my old debit card ( the one that was lost/stolen ). I no longer have access to this card but I am also not able to access my account to review and validate any of the transactions so I did not authorize them and am not sure where they are coming from. No one can tell me why I can't access my account still. As of this week, all the money I had " locked '' in that account has now been charged off and the balance is all but depleted ... All on a debit card that was supposed to be cancellled and that I no longer have access to. Kabbage should not be able to freeze anyone 's funds without any explanation and for this long. Their behavior is criminal and left me with a horrible taste in my mouth.
Product: Student loan

Borrower defense was to be settled XXXX settlement was to remove all federal loan balance from all three credit bureaus, i have no balance and refund me all payments totalling XXXX they havent complied with the lawsuit .. my credit still shows balance {$120000.00} and no refund received
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ) has viciously debanked me and is now engaged in a libel campaign against me, all in retaliation for my viral social media posts complaining about XXXX 'XXXX botched takeover of XXXX XXXX XXXX in XX/XX/year>. I have complained about XXXXXXXX XXXX debanking in other complaints to the CFPB but the regulators took no action. 

Emboldened by having faced no consequences for their retaliatory de-banking, XXXX is now aggressively destroying my reputation. They are reporting non-existent debt as delinquent to the consumer reporting agencies, which has destroyed my credit and increased the cost of borrowing when I can find credit. 

XXXX is in direct and intentional violation of the Fair Credit Reporting Act as well as various state laws that protect consumers from abusive megabanks.
Product: Checking or savings account

I received 4 letters from my Citibank with the same writing and reference number ( XXXX ) regarding my 4 accounts there, and it says based on our policy we reserve the right to close your accounts at any time and they gave me till XXXX to move my money before they close my accounts. 
Two of my accounts are 12 month CD which if I close them have to pay penalties for that reason I called Citibank to let them know that they want to close my account I should not get charged since is not my choice, but they are insisting to charge me for early withdraw. 
To me is a kind of fraud to keep the customer money for several month and for no reason force them to close it and charge them too. 
today I spoke to their agent and his supervisor both did not give me their full name just the first name XXXX and XXXX and the number I called XXXX my branch address Citibank XXXX XXXX XXXX XXXX, ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, TX XXXX XX/XX/2022 Dear TransUnion, I, XXXX XXXX consumer and natural person am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

2. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

3. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with the bureaus on XX/XX/2022, and XX/XX/2022, but they did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Student loan

Originally called in XXXX because payments were showing start date of XXXX. Talked with rep and created ICR plan and received clarification on payment start dates. Yet Mohela app continued to state payment start date of XXXX I had to call right before XXXX for clarification again. 
Contacted them XXXX with questions regarding XXXX plan. On the phone with a rep for 20 minutes before they informed me they're in training where I was then put on hold multiple times while they're conferring with someone else. The whole time I'm getting conflicting information until finally they transfer me to an experienced rep. Ask about SAVE plan vs ICR. Information was pretty confusing but eventually got it figured out. Rep informed me of using adjusted gross income. Updated income and rep told me they could take my statement of income and informed me of new monthly amount then stated it could take some time to process the change. On XXXX I get a notice from XXXX stating they need more time to research this request. Even though same notice states per Illinois Student Loan Servicing Act they have 14 days to inform me of this.. On XXXX I receive correspondence from XXXX that my request is being processed. Also on XXXX I receive notice from XXXX I'm put on administrative forbearance where my daily interest will continue to accrue and capitalize, payments are optional, and auto-debit will be suspended including the .25 % interest reduction. On XXXX received notice from XXXX stating interest not capitalized during XXXX Payment Pause. Same notice states interest will not be added to my balance after payment pause ends but also if interest remains unpaid it will be added to the balance after the payment pause.. 
On XXXX I get correspondence from XXXX of my new payment amount which is not at all what the rep told me. This notice states payments are optional until due date but that if I was on a payment plan prior then I have to make those payments.. 

Correspondence seems to be lacking accurate information and is extremely delayed. Hard to figure out what is even going on with my payments. When I tried calling in the meantime of all this I requested a call back. They called back and I answered. I was immediately put on hold without speaking to anyone, then the call disconnected and I received a voicemail that I missed their call. Wait times are excessive and I can not get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan XXXX for Webster Bank. We switched banks from XXXX  XXXX XXXX ( XXXX ) to XXXX and our autopayment was not processed by XXXX before the account was closed, despite being scheduled. The Bank Offices was CLOSED DUE TO COVID and appointment only and waiting list was 3 weeks. We scheduled asap as we could not see our account online. I have set up electronic notifications with WEBSTER and they are claiming the MAILED the late notice to my address. Not only did i not receive it via mail but they did NOT email it per my set up on their system. Now they are reporting 30 day past due on our account, reducing our score by 100 points. We called and explained this was a COVID related issue and have not been late in over 14 years and they REFUSE to assist. Ridiculous in this environment to ruin someone's credit due to COVID issues. ATTACHED MY ACCOUNT DETAILS THAT CLEARLY SHOWS EDELIVERY AND THEY SAID THEY MAILED THIS DURING COVID WHEN MAIL IS DELAYED. NOT FIRST TIME THEY CLAIM THEY MAILED NOTICE AND DID NOT RECIEVE.
Product: Credit reporting or other personal consumer reports

I notice the following charge offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting on my credit reports. A charge off is considered a certificate of indebtedness. According to the Internal Revenue Services, if a debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so these charge offs must be removed.
Product: Credit card

I ordered a mattress on XXXX for {$740.00} including taxes on my Chase credit card! I cancelled it on XX/XX/XXXX! A few days later, the refund showed as pending in my transactions! However, when all of the other transactions in the pending batch were officially finalized, my balance went up instead of going down by XXXX of bucks as I had previously calculated in a personal calculator! Looks like Chase didnt refund the mattress off the card after all! 

I called Chase, the customer support rep said that she doesnt see it and that I wasnt ever charged! 

Then why does it show as pending and my balance being unusually higher? 

Looks weird!
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB complaint XXXX that was sent to Transunion regarding inaccurate items on my credit report. I do not believe an investigation was conducted due to the response I received. Transunion stated that they were unable to locate a credit file for me which is not true because I have my Transunion credit report downloaded and will attach it to this complaint. I believe that Transunion is sending generic responses and not investigating, or Transunion removed all information from my credit profile which they have done before. Once again, I am demanding the following information to be investigated and removed from my Transunion report. If there is no information on my credit profile then Transunion will be under investigation because as my credit report dated XX/XX/year> will show, that I do have accounts in my name, under my SSN. Update my credit report immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX  ) XXXX
Product: Credit reporting

I have the same bill reported XXXX times on my report. 
Act # XXXX & XXXX are duplicates. 
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX
Product: Credit card or prepaid card

I was supposed to receive monetary relief from Capital One I never received my check it was supposed to be for {$1500.00} and security deposit refund of {$1000.00} I was supposed to receive it within 7 to 10 business days but it's been way longer than that and I have not received it if Capital One can kindly send out the payment they were supposed to send thank you
Product: Credit reporting or other personal consumer reports

I am receiving emails suggesting I'm assisting credit repair companies, which is incorrect. I handle all correspondence personally. Please correct this issue promptly. Enclosed is a list of negative accounts and inquiries needing attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is the second month in a row my mortgage payment was late? I pay through my financial institution using their BillPay system to make my mortgage payment and been doing so for the last 10-12 years. I called NewRez last month and they said they had changed their address and if I updated that in the BillPay system it would fix the problem. I did that while I was on the phone with them.

I received a letter today that it was late again this month, so I call my bank and they say NewRez stopped accepting BillPay so they have to send live checks?!?!?! I call NewRez, and somehow its my fault, I had to ask them point blank, have you stopped accepting BillPay, and after a very long pause she said yes. I asked why I was not informed of this and she said it was noted on my XXXX Statement, so I printed out XXXX statements and no does it state they had stopped accepting BillPay and the although the address where you send your checks had been changed, they failed to point that out anywhere on the statement or indicate it had changed!!!
Product: Mortgage

i applied for homeowner assistance with caliber home loan and my loan modification request is in process but i received a notice of sale at the same that my loan is in a on going loan modification which is according to California home owners bill of rights dual tracking, my loan was transferred from XXXX to caliber in which there was a requested open loan modification in place at time of the transfer which is the problem i have with caliber home loans that there not suppose to process a loan mod and foreclosure at the same time
Product: Checking or savings account

I have banked with Chase Bank in XXXX Ohio for over 8 years and in those XXXX years I have continuously had to dispute charges that XXXX out of XXXX times after they did a thirty day investigation they found out that I was in the right and refunded my money along with their {$34.00} or {$37.00} overdraft fees. Last month I like usual disputed some charges that I didn't make and they refunded them back into my account..a few days after that I attempted to use my debit card and it wouldn't go through and I got an email from them saying that my account was frozen due to suspected fraudulent activity or something like that and for me to just call them to get it unfroze ... I do this and they end up telling me they can't unfreeze it because they're closing it and I asked them why!! They refused to give me an answer and I'm severely upset due to the fact that I live off social security XXXX for I'm XXXX XXXX XXXX XXXX XXXX and they have caused me severe financial hardships! Such as when I called social security XXXX to see about my funds being directly deposited into a new checking account at another bank I'm told it will take over XXXX weeks or longer to do that and like I said XXXX XXXX XXXX XXXX XXXX XXXX XXXX and usually get paid on the XXXX of every month and now I'm going to have to wait XXXX weeks or longer to receive my money meaning I can't pay my bills, my rent or even buy food! Chase Bank has been proven to be greedy and also unlawful whereas I know they have been sued over overdraft procedures where they constantly charged overdraft fees over and over and that was considered to be unlawful and I had almost every month such charges but it wasn't included in the lawsuit because the company lost my paperwork or something which figures! I have opened another account but it will take one to two months to have my social security XXXX check deposited into that new account! Chase also said that I would be getting the remaining balance within a few days but it's been over 2 and 1/2 to 3 weeks and I still haven't got my check with my remaining balance ... me and my cats are going hungry and I'm about to be evicted from my home... I've told them this and they just don't care for all the seem to care about is money! Throughout the XXXX  years I've been banking with them they have pocketed close to $ XXXX in overdraft fees and I am appalled that they are permitted to stay opened... especially after all the fraudulent and illegal acts they have done! Please help me out here on explaining what if anything I can do. Thanks so much! Also, please give me until tomorrow to gather up the paperwork I said I still have which prices how they charged illegally for overdraft fees etc ..for ATM I am unable to wear my prosthesis and will need help from someone to find them..I use to be able to just aquire them online but they've blocked my from doing that also! Thanks again!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates the report by more than seven 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.