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

This is for citicards, my Citibank credit card. 

I disputed a credit card charge with a merchant who offered a refund on my deposit, then struggled to electronically do the deposit. I gave the merchant a few days then opened a dispute. A week later, the refund showed up on my credit card balance, so I withdrew the dispute. Meanwhile, citi took my withdrawal as a reason to double charge me for the deposit. I now have the initial refund, the initial payment, and another charge created by citibank called " Reverse [ Merchant Name ] '' Rather than closing the dispute, they decided to create an entire new charge and send the merchant the money. I didn't catch this until now, several weeks later. 
The amount is {$1500.00} and I have screenshots of my account.
Product: Checking or savings account

On XX/XX/2023, I was charged {$100.00} from XXXX XXXX XXXX  XXXX which is a hotel in XXXX XXXX, XXXX. The hotel reservation was booked through XXXX. XXXX used their sister company, XXXX to fulfill the reservation. I cancelled my reservation a week ahead of time which was within the 3 day time frame that was required. The reservation was cancelled on XXXX 's website, the same website that I used to make the reservation. XXXX 's customer service has confirmed this. There is an error in XXXX 's system where the cancelation was not transferred over to XXXX. Since it wasn't transferred over, the hotel never received a cancelation notice. Due to this, they charged me for a one night stay for a total of {$100.00}. After going back and forth between XXXX and XXXX 's customer service, I was notified that nothing could be done since the hotel had charged me and not XXXX or XXXX. I was told the only thing I could do was dispute the transaction with my card company. So, my card that received the charge is with Cash App which is managed by Block , Inc . I filed a dispute against the transaction with Cashapp on XX/XX/2023. I thoroughly documented everything so I was able to include multiple screenshots showing proof that I had followed XXXX 's rules of cancelling the reservation. I submitted my dispute via the Cash App app and after completing all the steps, I was told I would receive a response within 10 days. I received an email from Cash App on XX/XX/2023 stating that they were investigating my dispute and that most disputes are resolved within 10 business days. On XX/XX/2023, I hadn't received any further communication and since it had been past the 10 day time frame, I reached out to Cash App 's support to inquire about the status of the dispute. Within a few hours, I received an email saying my dispute had been denied and that I could request the documentation used to make the decision so I requested that documentation. On XX/XX/2023, I received an email from Cash App stating that they had received the request and had attached the documentation used to make their decision. The documentation was nothing but the transaction date, amount, merchant, and transaction type. There was nothing included that showed what the decision was based off of. I believe there was no research done on this dispute. They provided nothing that showed any type of information that would be used in making a decision. If they would have put even the slightest bit of effort into solving this dispute fairly by contacting XXXX, they would have been able to confirm that I was incorrectly charged. XXXX can confirm that I cancelled the reservation within the required time frame and shouldn't have been charged. I find that it's too convenient that my dispute sat unprocessed for weeks and then was completed within a few hours of when I inquired. I strongly believe that no investigation was done and instead, it was denied in order to quickly process it. As I previously stated, I provided thorough documentation which obviously was never reviewed. This is not fair to me, the consumer and is not a good business practice.
Product: Debt collection

Adhere to the law and promptly block the fraudulent accounts listed below from my credit file as required by FCRA Section 605b. Failure to comply within 4 business days will leave me no choice but to pursue legal action, and I demand your immediate attention to this matter. I expect swift action to rectify this situation, and your compliance with the legal requirements is crucial to avoid legal consequences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Product: Mortgage

On XX/XX/XXXX, the borrower took out a line of credit mortgage with PNC Bank with a maximum draw limit of {$89000.00}. It had a 15 year term, due on XX/XX/XXXX. There were no monthly payments, as it was a balloon payment. The borrower did not worry about this mortgage for several years, as he focused on the payments on his first mortgage. 

In XX/XX/XXXX, the borrower received a letter from PNC Bank dated XX/XX/XXXX which informed the borrower that he was behind on payments on the line of credit mortgage. The client reached out to our legal services organization to research the issue. I discovered that the mortgage term was 15 years, and that there were a little more than four years left before the mortgage was due. I believed there to be an error in the servicing of this loan, as they were requesting payments that the borrower never knew about. 

On XX/XX/XXXX, I sent a Notice of Error to PNC Banks address for Qualified Written Requests, seeking clarification on the XXXX letter and what payments they were talking about. I wanted confirmation that the mortgage was not due, and that it was a balloon payment without any monthly obligation. I got no response, despite the obligations servicers have to respond to Qualified Written Requests. 

More than a month later, on XX/XX/XXXX, I updated the Notice of Error with dates and the fact that my first one never received a response. I sent the NoE via certified mail, so that I could confirm receipt of the document by PNC Bank. 

On XX/XX/XXXX, I received the certified mail receipt from XXXX which confirmed that the letter had been received by PNC Bank on XX/XX/XXXX. Per 12 C.F.R. 1024.35 ( d ), the servicer had five days to confirm receipt of the letter, with information on when a response could be expected. Nothing of the sort was sent to the advocate nor the borrower. Weeks passed, and per 12 C.F.R. 1024.35 ( e ) ( 3 ) PNC Bank only had thirty days to respond to my Qualified Written Request. There has been no response, despite the fact that I have been trying to get information from the bank for nearly three months. It is now XX/XX/XXXX, and I am no closer to finding out what is going on with the borrowers second mortgage. This is a gross violation of the CFPB regulations, which are supposed to facilitate correspondence between the borrower and the mortgage servicing industry.
Product: Mortgage

Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.
Product: Credit reporting or other personal consumer reports

I check my credit report address, employment information is incorrect and hard inquiries are on my account that I didnt give permission or had knowledge of why my credit had been run
Product: Checking or savings account

I file a fraud claim to Chase Bank since I got scam by a person trying to pretend to be a property owner. I sent money to the fraudster to close the deal of renting her place but when she is about to send her keys she ask for another set of money and that is the time I told her I will not pursue the rental and just for her to send my money back, she did send me a check but when I am about to deposit it to the bank they wont take it and told me it was a fraudulent check, I was helped by a banker and told me they cant do anything and have my money back since I deposited it to the persons account. They told me it is not a fraud claim since I participated and deposited the money to the fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had received notice that they received the payment initially. it was their websites problem and not my mistake because i assumed it was paid. They refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. The account has since been closed but i still see if on me report and its still effecting our ( mine and my husbands ) scores. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in 2 more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and XXXX about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States 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 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response to the written requests I sent to the Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Credit Bureau as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately. Here are the lists of accounts that is erronousely reporting on myCredit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Product: Checking or savings account

I notified NFCU that I planned to close my XXXX XXXX account at Fifth third bank and asked them about what options I had for moving the money. NFCU told me since there is no branch within an hour of me to use the mobile deposit feature which has a XXXX limit daily. For the past few weeks it worked just fine, I would place the mobile deposit, get an email a few hours after the deposit that it was approved and see it cleared in my acct 2 business days later just as the email states. Yesterday XX/XX/XXXX 2024 I placed a mobile deposit just like I have done multiple times over the past month, received the email my deposit was approved and funds will be available within 2 business days. This morning XX/XX/XXXX 2024 I received another email about the same deposit stating there is an issue with the deposit and funds will be placed on an extended hold. I would like to state that I have proof the funds have already cleared and have been taken from Fifth third bank so there is in fact NO ISSUE with the funds. I received NO CALL or any urgent messages, just an email contradicting NFCU 's previous email stating my deposit was approved. To sum this complaint up, I placed a mobile deposit on XX/XX/XXXX just like I have been doing over the past month and received an email from NFCU it was approved as well as funds clearing out of the bank the funds were coming from, then received a different email stating there is an issue, and when I called XXXX in customer service at XXXX on XX/XX/XXXX she stated there is NOTHING they can do but wait to see what happens. NFCU needs to honor their own emails and for this specific situation, they need to see that the funds are good and have cleared and remove the hold. If this does not happen in a timely manner I will gladly pursue litigations.
Product: Credit reporting or other personal consumer reports

While checking my credit score, showing missed payment of XXXX XXXX of XXXX, as I already paid my gas bill of XXXX in XX/XX/year> on time as XXXX XXXX moved to new billing system but in credit agencies XXXX, TransUnion, XXXX credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score. 

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports. 

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage failure to MOV, pursuant to FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I saw an inaccurate collection on my account from National Credit Systems. I contacted them and let them know I never lived in those apartments or cosigned for XXXX XXXX. I also let them know I did not know this individual. They said they didnt have record of it. I was living in Indiana during the time they are charging me for this debt in Georgia. I keep getting the run around from National Credit Systems and the Original debtor XXXX XXXX XXXX.
Product: Consumer Loan

Payment was mailed on or around XXXX, check number XXXX in the amount of XXXX to BMW Financial Services. This is for XXXX XXXX loan account, now closed, vehicle totaled on XXXX XXXX XXXX. As of today, XXXX, check has not been cashed or returned back to me. Please note, XXXX is a settlement amount good until XXXX and if payment is missing I will need an extension to allow more time to make another payment. The check was sent to address provided to me by BMW Financial Services rep, do not have her name available to me. Due to a cease and desist on the account, reps are not able to confirm receipt of payment or discuss anything else on account. Please advise BMWF to check their records for payment, if received or not, return it if there is a problem. Also, I will need an extension to resend payment if deemed missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

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

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report with XXXX XXXX XXXX  that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.
Product: Student loan

On XX/XX/XXXX, I was enrolled in what I now understand is a scam being perpetuated by Premier Student Loan Center related to federal student loan consolidation and enrollment in repayment plan. Premier Student Loan Center charged me {$240.00} for 4 months ( XX/XX/XXXX- XX/XX/XXXX ) for " enrollment fees '' and has since been charging me {$30.00} per month in re-occurring fees.  The services they provided are all services which I could have received for free and Premier Student Loan Center continues to scam borrowers into paying additional fees by telling consumers that additional repayment plans are available through them. In addition, Premier Student Loan Center gave my loan servicer a false email address for me and it also requested sensitive data, including my FSA information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting

As per attached letter, Citi admitted that it obtained access to my credit report without my permission. It also stated that it would remove the inquiries back in XXXX. After speaking with the credit agencies, only Citi can remove these inquiries. Please remove them asap. I will hire a lawyer to sue Citi for accessing my credit report. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called TransUnion on XX/XX/2023 and spoke to XXXX. XXXX XXXX that they are fraudulent inquiries on my credit report. 

Provided XXXX names and date of all the fraudulent inquiries and XXXX said they will b deleted within XXXX hours. 

Checked my TransUnion credit report today and all they inquiries XXXX said that would be deleted are on my credit report. 

TransUnion can obtain the recorded conversation they recorded that would corroborate my position. 

My attorney informed that I can sue and he will request XXXX recorded phone conversation with XXXX on XX/XX/2023, which XXXX acknowledged all the hard inquiries will get deleted with XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2018at XXXX  I received a phone call from XXXX XXXX XXXX XXXX. At this point in time we negotiated a payment plan of {$50.00} a month by paper check for 8 months until the debt is payed off, and to send me a bill each month. They agreed to the terms and I sent them the first payment. Since that point they have called my over 15 times, and have not sent me bills as per our agreement. They have cashed the first payment yet they still refuse to stop calling me. I have notified them when I sent in the payment that they were harassing me with non-stop phone calls in a letter I attached to the payment and the continue to persist in this harassment, abuse and annoying repeat phone calls from number XXXX  attached below is a list of my call log you can see for yourself how many times they have called me since the XXXX, sometimes multiple times per day ... repeated harassment