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

On XX/XX/2023 I made an electronic payment of {$2000.00} via my XXXX app to First National Bank of Omaha which is the bank for the XXXX XXXX Credit Card. 
XXXX documents show the payment cleared on XX/XX/2023, the day before payment was due. 
The amount was deducted from my account. I have documentation from XXXX that the money is gone. 
On my account, the payee was labeled XXXX  XXXX XXXX, because that was the previous bank that managed the credit card. However, the payee address was correct for FNBO. 


On XX/XX/2023, I learned FNBO never received said payment and despite my submitting documentation from XXXX showing the money did go through and they are the payee, FNBO refuses to credit this amount to my account. 

Even if the payment somehow went to XXXX  XXXX XXXX, it should have been returned. I also tried calling XXXX  XXXX XXXX but I can't get through on the customer service line because I no longer have an account there.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX. - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Carrington Mortgage XXXX  refuses to take my payments and only is interested in foreclosure. I have tried several times to get caught up but they refuse to do anything. They tell me to make payments, I try, they send them back, then place my property in foreclosure forcing me to pay exorbitant fees. Their mortgage assistance process is for show only. They only do it because its a legal requirement. I have paid these people over XXXX dollars in the last 3 years, almost none of it going to my actual mortgage. The internet is full of other people with the same complaint. They should not be allowed to do business at all, much less be able to service government or low income loans. All they wish to do is foreclose.
Product: Debt collection

NOTICE Regarding Unauthorized Access to my Nonpublic Personal Financial Information causing Harm and Damages to my character, reputation and mode of living. SEE ATTACHMENT!
Product: Mortgage

I was approached by a XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ), a loan officer with my current mortgage lender ( HSBC ) with an offer to refinance my home under the HARP program. I had recently looked into the program and do not believe I qualify but the man assured me he could get it done. We spoke twice and he pressed at a 15yr loan. I asked him for other options and he told me he would get back to me. I never saw any other options. 
I immediately received an email containing an " e-sign invitation '' to sign and submit documents online which I refused to do, and then an email informing me that he had submitted a pre-approval on my behalf ... something I did not authorize. Following that I received ( by mail ) a notice about my " credit score and the price you pay for credit '' disclosure, this letter included an XXXX score and my " new loan number '' even though I have not applied for a loan. I never asked him to pull my credit score and never signed an authorization for him to do so. I also received ( by mail ) a " loan estimate '' outlining the single option he seems fixated on ; a 15 yr fixed-rate loan. I was never offered the other options I requested. The letters and documents are attached as PDFs. 
Days later I received ( by mail ) a letter that my " home financing application '' has been pre-approved, even though I never applied for anything. The same day I received ( by mail ) a package of compliance disclosures with many places for me to sign. 
I have to say I believe this man I have yet to meet is proceeding a very long way towards refinancing my home without my participation. I believe his actions to be unethical at best, and would like to know how it is possible for such behavior to exist in our tightly-regulated financial system.
Product: Credit reporting

Well I have been victimized f identity theft for years. Every since then I been trying to stay on top of my credit file. So Transunion credit agency have deleted some f my information and my inquiries and two days later they put them back on with other withou y knowledge I have talk to the supervisor nd she said she will take them all back off and I waited and they still on my credit file. Now since I talk to the Fraud department I just get the run around. I have all kind of letters from errors or dismissals and a police report stating me being victim of identity theft.Can you please look into this matter. Thank you. And I have others if needed
Product: Debt collection

XXXX and FMS Financial Solutions are committing multiple criminal acts by attempting to collect a false debt. Recently FMS Financial Solutions with the assistance of XXXX credit reporting agency, disguised FMS Financial Solution as a bank in order to pull my personal information and place a hard inquiry on my credit file as if I applied for a line of credit ( XX/XX/XXXX ). This is a direct violation of the FDIC, FDCPA and FCRA. This is proof that XXXX is engaged in criminal activity for profit and gain. Litigation is forthcoming for sommer of XXXX. I demand this tradeline and hard inquiry be removed immediately in order to stop XXXX from being engaged in this type criminal behavior.
Product: Debt collection

On XX/XX/XXXX I sent a Cease and Desist Letter to PHHXXXX XXXX XXXXon time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The XXXX XXXX  XXXX  in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with XXXX XXXX sold to Ocwen loan Services around XXXX or so.XX/XX/XXXX Sold to PHH Mortgage a of Ocwen -PHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} .Also sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.
Product: Credit reporting or other personal consumer reports

Transunion is inaccurately reporting a late payment into my credit profile. This is causing my credit to suffer preventing me from employment opportunities. I have attempted to resolve this matter with no response from the Transunion reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account that was reinserted on my Consumer Report Illegally from XXXX, XXXX, and Equifax. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy 15USC 1681 section 604A section 2 states consumer reporting agency can not furnish an account without my written instruction and/or consent.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX  Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EXPERIAN. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EXPERIAN has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : XXXX. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights. 
XXXX. Violation of the TILA : o Disclosure Requirements : [ EXPERIAN ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements. 


XXXX. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : Account Name : XXXX Account Number : XXXXPresent below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a credit union, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on XXXX and XXXX, it was fixed before hitting Transition.
Product: Mortgage

Since my mortgage I've held for over 10 years was sold to Mr. Cooper they continually harass me via phone-call to refinance my loan, they've been told repeatedly I'm not interested, and have now resorted to spamming my email, using the email I utilize to access my mortgage account to do so. I have a low interest loan from XX/XX/2013 and their hard sells are an attempt to put me in a financial situation in which I'm paying drastically higher fees. I contend that they are likely going on fishing expeditions in order to prey on people that find themselves in financial difficulty.
Product: Vehicle loan or lease

i was gon na buy a car from XXXX XXXX XXXX, i signed the sales agrement, ,but after that, dealership 's owner said that the car had mechaniacal issues and asked me that if i want to have it repaired under the warranty... i said no i i wan na return the car and cancel the sales... 
Dealership did not inform the Bank .and bank still sending me payment bills,, My credit score went XXXX points down...
Product: Credit card or prepaid card

There were several charges on my JetBlue XXXX account, Totalling {$2200.00} on XX/XX/XXXX and XXXX. I contacted the credit card company alerting them I didn't activate my card and I just received an email saying my credit card was activated. The company told me that there were many changes on the card. They told me there would be an investigation. I just received the letter today which they denied the fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate FCRA with stall tactics!!! they are refusing to acknowledge dispute letters sent by me in type format!!! i used a free website to type my dispute letters and i made that clear to them in the letter they still continue to STALL!!! 

STOP EXPERIAN FROM STALLING!!
Product: Vehicle loan or lease

Refinance my XXXX loan with XXXX XXXX in XX/XX/2021 USAA is reporting false XX/XX/2021 Filed a dispute with XXXX  XX/XX/2021 USAA provided wrong information to XXXX  in XX/XX/2021 Based on the process on refinance with XXXX XXXX, and filing a dispute with XXXX  I am not confident USAA will continue to provide the correct information on my credit report.
Product: Credit card or prepaid card

I am writing about an issue of great concern regarding the manner in which Citibank processes their credit card payments. 

I have been a Citibank card holder since XXXX and, to the best of my recollection, have never missed a payment, nor have any payments been late. Thus, I am finding it quite troubling that since XXXX, XXXX, I have repeatedly incurred late fees and interest charges because Citibank claims they did not receive payment on time. 

All my payments are sent through XXXX XXXX, which guarantees that payments will be received by the date due. In the attached documents, you will notice that the XXXX, XXXX, and XXXX, XXXX, payments were actually deposited by Citibank on the date due ( the second of each month ). Nonetheless, I was charged late fees of {$25.00} and {$29.00} respectively as well as interest charges for late payment. I was also charged late fees ( {$29.00} each plus interest charges ) for  the XXXX and XXXX payments, although XXXX XXXX  payment was received on time. As you will see for the XXXX payment, Citibank did not process the payment until XX/XX/XXXX, so I anticipate that yet another late fee and interest charge will appear on next months statement. 

My calls to Citibank to resolve this issue have consumed hours of my work day and been largely unsuccessful. I did get the late fees for XXXX and XXXX credited to my account, but Citibank refuses to issue any other credits because they claim to allow only one credit a year. 

If I were to give them the benefit of the doubt, I suspect that they are slow in processing payments. Although payments arrive on time, Citibank does not note the date received, but only the date they get around to processing the payment. This strikes me as fraudulent and I can imagine there are a number of consumers who have been charged in the same manner but are unaware of the practice if they do not check their statements carefully. 

XXXX XXXX  contacted Citibank on my behalf ( a copy of the letter is attached ), but to no avail. In addition, the day after my last communication with Citibank, I received notification stating that I had requested they stop all contact with me regarding past due status on my account. I made no such request and, given the fact that I have never been late with my payments, I was not even aware that they employed such a process. 

I would appreciate your investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied by a creditor for " too many inquiries '' from my Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my  XXXX  and Transunion that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason : Transunion  1.  XXXX   XXXX   XXXX     2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   8.   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   10.   XXXX   XXXX   XXXX   XXXX   XXXX  11.  XXXX   XXXX  12.  XXXX   XXXX   XXXX
Product: Mortgage

I have been training to short sale a house in XXXX XXXX, NM. I have had a purchase offer from a willing and qualified buyer, since XXXX XXXX, 2015, but after receiving numerous " commitments '' for conditional approval from the lending institution personnel, almost six months later, all parties are STILL waiting for an approval that seems unlikely to ever come.
Product: Debt collection

Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : 1. XXXX XXXX XXXX # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. 

2. XXXX XXXX XXXX # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.
Product: Checking or savings account

On XX/XX/2021 I received a letter from PNC Bank in the mail indicating that 3 accounts had been opened on XX/XX/XXXX. I received a separate envelope with a virtual wallet debit card. I had not opened an account with them and have never had a relationship with them. 

On XX/XX/2021 I called the PNC customer support phone number XXXX and reported the accounts as opened fraudulently. The person on the phone did not seem interested at all in the issue and would not give me any information. Upon my insistence, she said someone in the complaints dept. would contact me in a few days. 

On XX/XX/2021 i received a voicemail from the retail support group on behalf of XXXX XXXX, with a phone number ( XXXX ) XXXX. I called the number back the same day and left a message indicating I was returning a call. 

On XX/XX/2021 I received a call back from XXXX XXXX. He indicated that he needed to verify my identity and would send a text ... to the phone number he had just called me on ... and would need me to give him the PIN. Hi then placed me on hold and I received the following text : PNC will not call and ask for your passcode or your online banking login info. Your code is XXXX So naturally I asked, why does this say PNC wont call me to ask for this code ... but you are calling to ask for this code? He got XXXX, indicated that he was very busy, and demanded that I give him the code or he would not be able to help me. I asked for His direct phone number. He gave me the same phone number from the voicemail on XX/XX/2021. This phone number is not registered to PNC. It is registered to someone named XXXX XXXX in XXXX, PA. 

I hung up and drove to a branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. When I arrived I asked for help to set up online banking for the fraudulent accounts. The branch manager would not give me any of my account details, but indicated that there was no history on the account of my previous reports that the accounts were fraudulent. There was no note to close the accounts, despite multiple contacts with the company customer service that should have initiated this. He suggested I file a police report, which I did. 

As far as I know, the accounts are still open but I am not able to access them.