23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/XXXX we paid our regular mtg when we did evidently the teller ran the pymt wrong left out our credit life ins noticed the error when received our monthly statement contacted us bank at XXXX said was ran towards principal put in work order XX/XX/XXXX talked to a XXXX on XX/XX/XXXX went I XXXX branch to pay XX/XX/XXXX pymt asked teller if error was corrected said talk to XXXX she called mtg department they stated they had ra n it towards interest this time ran twice wrong making pyt appear late and more than then accuatall due ex pymt {$580.00} plus XXXX equal {$620.00} ast due asked for copy of all transactions to be sent to me on XX/XX/XXXX as of XXXX nothing has been received.XXXX at XXXX branch said another work order would be sent in making XXXX work orders for the same problem making us owe more after we paid the pymt than before the pymt was due. 

problem number 2 received letter dated XX/XX/XXXX received XX/XX/XXXX from us bank stating they had reviewed our acct russ consultating phone number XXXX issued a credit tour account on XX/XX/XXXX toward principal for reremediation harm received a XXXX amt of int of XXXX amt applied was XXXX problem never notified in beginning this amt had been added to our acct called XXXX XX/XX/XXXX stated it was for invoices for qualtity assurance as thirdparty for us bank problem 3 have received XXXX different mortage with different interest and different balances last one recived on XX/XX/XXXX withn yet another different interst amount and different balance on acct if you take the previous mortage interest statement it is the difference of {$440.00} which is the balce credited on XX/XX/XXXX added back on to our acct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the XXXX marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXX XXXX XXXX Last reported XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX  Last reported XX/XX/XXXX {$100.00} Closed : XXXXXXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXX XXXX XXXX  I never filled an application out so I'm not sure what this is XXXX - XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX-? 
XXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian reporting an account ( XXXXXXXX XXXX ) that belongs to my ex-wife on my credit report. Documentation showing the decree from court that my ex-spouse is the owner of the account was also submitted to all XXXX credit bureau yet this account is still left on my credit file. Also, credit enquiries i had no knowledge of disputed all to no avail that were not verified left on my credit report. I contacted the furnishers and was told that they had no record of such and all effort to get this taken of my credit report by XXXX, XXXX and Experian credit bureau was to no avail. This is really taking a toll on my report and needs to be taken off as soon as possible.
Product: Debt collection

According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX  in my name.  I have attempted to contact XXXX XXXX  a number of times over the phone.  The last being on XX/XX/XXXX at XXXX.  I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges.  I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX  continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.
Product: Vehicle loan or lease

I was trying to trade the vehicle in and I feel My trade was XXXX. I feel excessive charges was applied to prevent the trade in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 I have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report immediately.
Product: Credit card

I 'm writing in regards to Navy Federal Credit Union wrongfully shutting down my credit card account that was n't delinquent and not re-issuing me a new credit card after the expiration date of XXXX, XXXX. I 've been a member with Navy Federal for 17 years and I opened my first credit card with Navy Federal in XXXX. Since XXXX I have been a good steward over my Navy Federal Credit card account. I 've had a few late payments here and there but I 've always made sure to contact Navy Federal about any account issues from my end. I 've been very consistent with my credit card payments with in the past two years and I even made a lump sum payment of {$1500.00} on my credit card payment. The total amount allowed on this credit card was {$2500.00}, the balance was around {$400.00}, and the account was n't delinquent at the time I received the attached letter. My question is, " Is it lawful for a bank to close and not re-issue a credit card account that is n't delinquent or late based off of your credit score? ". I 've paid off several loans with NFCU including my XXXX car loan. And I feel violated that they would close my credit card account when I 've been paying on time. If this is unlawful I was wondering what legal actions I should take?
Product: Checking or savings account

I opened a bank account at Citibank ( branch located at XXXX XXXX XXXX, XXXX XXXX ) in XXXX. On or about XX/XX/XXXX I tried to make a wire transfer via Citibank website, something that I used to do normally, but Citibank system did not complete the transaction -- a message popped up on my screen asking me to call the bank. 
Following the message, I called Citibank. The representative who asnwered the call said that she could not allow the transaction and would have to block bank account (! ). I was quite surprised, especially because she did not informed the reason why my bank account had to be blocked- she just said " its for securuty reasons '' and that within XXXX hours they would call me. Needless to say, nobody from Citibank ever called. Since XX/XX/XXXX I have been tryhing to understanding what is going, but all representatives that I spoke with up until today could not explain. I DO NOT KNOW WHATELSE TO DO. I do not manage to gain access to my bank account by the website, my bank account has my money and I am unable to make any transfer or payment. I have tried several times to understand what is going on, but nobody at Citibank is doing anything to resolve my problem. I sent a message to XXXX XXXX, the manager of my bank account on XX/XX/XXXX asking for help, but he did even answered it yet. 
This conduct is abusive and arbitrary. Shame on Citibank and its employees. 
Please help.
Product: Credit card or prepaid card

Im making payments every month more than the minimum payment and my balance its going up and up every month
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX  XXXX, XXXX XXXX XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

There is a firm called LVNV Funding LLC that claims I owe them {$1100.00}. First and foremost, I know nothing about this company. Second, I do not owe them anything.

Third, they do not have a license to operate in Florida. As a Florida resident, this is a violation of Florida law ( Fla. Stat. 559.553 ), which requires most debt collectors and out-of-state law firms to register as a Consumer Collection Agency with the Florida Office of Financial Regulation before engaging in collection action in the state of Florida. Many people do not.

By obtaining judgments and demanding payments from consumers in places where it was not legally licensed to do so, it violated the FDCPA and the CFPA 's prohibition on deceptive actions or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a mortgage with XXXX. They are reporting late payments with Experian. I had pulled my credit and immediately notified XXXX and Experian. XXXX agrees I have never had a mortgage with them. I disputed the error on the Experian website. I was just notified that XXXX confirmed the information as accurate.
Product: Checking or savings account

I originally opened my account with Wells Fargo in XXXX XXXX as a result a scam that a home improvement contractor, XXXX XXXX, had inflicted on me, where he told me that a payment of {$4000.00} by check had bounced, so I wrote another check. The first check did n't bounce, and it was too late to stop payment on the second {$4000.00} check. So I opened an account at Wells Fargo where he did his banking, hoping to catch him depositing my check. I explained all this to the manager opening my account, asking what the minimum deposit would be for not incurring any fees. I did n't want to deal with this account other than the hope I was n't going to lose another {$4000.00}. He deposited the money elsewhere. I had such a bad experience with the whole job -- had to change my locks, filed a complaint, but did n't go to court -- I did n't want to think of him again. Now, 3 years later, I decided it was time to face it -- I would treat myself to my original monies I deposited into the bank. I thought it was {$1000.00}, but the bank said it was {$800.00}, so when I went to close the account on Fri XX/XX/XXXX, there was only {$460.00} remaining! {$340.00} in fees had been incurred. They argued that I had been getting statements all along, but emotionally, I could n't open them. After escalating the issue, they only returned 6 months of the fees, but I assert they misguided me when I first opened the account, as I wanted to deposit the minimum amount to have a fee-free account. I had 0 transactions with the bank, except for the opening and attempt to close on XXXX. Is there anything CFPB can do to help?
Product: Debt collection

This company called me, didn't identify themselves until XXXX, refused to tell me why they were calling in any way ( after asking me identifying information ) ; I was then promptlyinformed that I owed almost XXXX to their client and how Iwas going to pay that. I had to pry what the bill was inregards to out of the representative, which was for aXXXX XXXX in a city called XXXX, Ca ; I also had to ask hermultiple times the name of the city, because she wasspeaking incredibly fast and not being clear. I eventuallypointed out that not only had I never been to that city, Ihad n't been to the region in over 30 years, I hadn't taken anXXXX XXXX and I wasn't even in the United Stateswhen I was supposedly taking this ride. The woman askedfor my birthdate, then informed me she had the wrongnumber and hung up. Looking through their XXXX reviews, I found a number of complaints mentioning the exact same scenario. It seems like they are either making upbills to collect on, or just XXXX and harassing peoplebased on the first search results of the name. Please dosomething about this.
Product: Checking or savings account

I was charged {$910.00} in the year XXXX in overdraft fees. I called the company to request the funds be refunded since they had kicked out the overdraft fees during this time. I was given 3 overdraft fees refunded and they removed the protection off my account and suspended it. I requested the remainder since my account always had funds, direct deposit from my employers, and they removed the fees entirely for all customers. They had refused and will not further assist me.
Product: Debt collection

I was checking my credit & found an account was opened. That I never set up. I live in XXXX, AZ & it's coming up as PA debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSED TO UPDATE MY PERSONAL INFORMATION ETC PLEASE SEE ATTACHED FILE
Product: Credit reporting or other personal consumer reports

I checked my credit report with wallet hub and realized my name is completly wrong and my address see my dispute as listed below. 

To, Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address : 1.MY NAME IS TOTALLY WRONG AND THE CREDIT LINKED TO IT. MY LEGAL NAME IS XXXX XXXX XXXX XXXX SEE SOCIAL SECURITY CARD ENCLOSED AND DELETE THE NAME XXXX XXXX IS WRONG. 
XXXX. MY CURRENT AND CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TEXAS XXXX SEE PROOF OF ADDRESS UTILITY BILL AND CHANGE IT TO THE ABOVE ADDRESS REMOVE THE ADDRESS OF XXXX XXXX XXXX XXXX XXXX, SC
Product: Debt collection

Called Comenity bank on XXXXand they informed me they sold my account to a XXXX XXXX and the no longer have account in their database. I called XXXX and they asked for supportive documents which I faxed in. Someone has used my social security number for their personal gain. See attached documents for police report notarized. 


Account reporting to CREDIT REPORTING AGENCIES is from COMENITY BANK ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Product: Vehicle loan or lease

My problem with the loan was the monthly payment of {$900.00}. As I started to try a way to negotiate the loan do to my personal income dropping drastically it lead me, to call and try to negotiate for a lower monthly payment. But they suggested to surrender the car instead, so we did. Now Ive been sent a summons for an attempted to collect through a XXXX court order the amount of {$14000.00}
Product: Credit reporting or other personal consumer reports

I have XXXX credit cards with Capital One and during/after pandemic they set up a payment arrangement that I stayed current on every month. They told me these would not be reported to the credit bureaus as negative because I was paying on the plan and they reported them negative on my accounts anyway.
Product: Credit card

While buying an airline ticket on XXXX, I was served up an ad for the Citibank AAdvantage card associated to my AA Advantage account. The ad clearly indicated that I could use the card to buy my airline ticket right then. I chose to do it because I could get additional perks as a cardholder. I clicked the ad, completed the application and was approved within minutes. Once I was approved, I landed on a confirmation landing page with no way to apply my newfound credit card to my purchase at XXXX. I went to the email I received but nothing there either. I tried to call Citi but was stuck in the call tree for XXXX minutes and the only information I got was confirmation that the account was active and that my cards would arrive in the mail in XXXX days. Meanwhile, my reservation page at XXXX timed out. I thought maybe I could use the last XXXX of my new account number ( which is all I had in the email ) to create a login on the website, only to be disappointed when it told me that in order to set up online access I had to have the full account number, expiration date and CVV. I tried accessing customer service via the chat function only to be told by " XXXX '' that there is a XXXX minute window to get a temporary card number to use and that time had expired so I had no option but to wait until the physical card arrived. This XXXX day period is NOT what was advertised in the ad that clearly said " XXXX XXXX. '' The ad was misleading and Citi was zero help in finding a resolution. I ended up using a different credit card and called XXXX XXXX to see if there was any way to add my new AA credit card to my profile so I could get the benefits advertised, but was told there was nothing they could do if the ticket wasn't purchased with that card, there were no benefits. 
I feel misled into applying for this credit card and found no resolution with the Citi customer service outlets. I understand protecting customers from fraud, but I simply called to ask for a path to generate a XXXX time virtual card to use for an online purchase ( a common CC practice these days ) but was told I'd have to be able to login before I could generate XXXX of those. I am caught in a never-ending cycle of the chicken and the egg. The ad was false and the customer service scripts are designed to leave the customer in the lurch. I would not have applied for this card unless I thought I would get the advertised benefits, and I feel tricked into applying for the card.
Product: Credit reporting or other personal consumer reports

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete immediately !