23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019 I applied for an Access Account ( checking account ) with Citibank via online. I provided all the necessary information correctly. I was then prompted with a message stating I would hear from them by mail within 5 business days. Five business days approached I called them and was informed that they sent something out but that was all the information they could provide. Upon that still got nothing and so I called again once 9 days had passed. On XX/XX/XXXX a representative had me confirm my address and informed the UNIT number was missing so that was the error. Despite this I have a screenshot of the completed application which shows I put my unit number. The representative then tells me I will need to go in the branch and apply again. For a checking account. This is not credit - there should not be this discrepancy or what appears to be action in bad faith with personal information. I provided my information as services stated and they did not do the same. I met all requirements as advertised for a checking account with Citibank. Each time over the phone verified my identity. I should not have to render my information again. They need to provide a clear, accurate result. I believe there are biases here and this to be of discriminatory nature. Stating the status of an account with my information has no bearing on compromising information. The representative stated I couldn't even go into a branch to get clarification. This needs to be reviewed and I would like some answers especially given that I provided my confidential information for a service that was done improperly and unprofessionally.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than XXXX 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.
Product: Checking or savings account

I was appointed the guardian and conservator of my parents. I took the paperwork to Chase bank and XXXX XXXX XXXX XXXX, where my mother and father have accounts. Both refused to give me access to the funds they have in their account. Both said I need a financial power of attorney. Chase opened two conservator checking accounts but did not close the other accounts saying my name is not on them and I have not right to the funds in them. I went to XXXX  on XX/XX/XXXX to the XXXX branch and then I tried again at the XXXX location, on XX/XX/XXXX, I think I'm not sure of the date I went to the XXXX branch, except it was the following week.
Product: Debt collection

I filed a previous complaint against Crown Asset Management , LLC. of XXXX, Georgia on XX/XX/year> stating the following : I received an email on XX/XX/year> regarding service of court documents. I discovered that a civil suit has been filed against me by representatives for Crown Asset Management , LLC. of XXXX, Georgia. The suit states that Crown Asset Management , LLC, a debt buyer, is seeking a judgment in the sum of {$2600.00}, plaintiffs costs, and 9 % interest per annum. The plaintiff failed to perform its due diligence as required by federal and state law. The plaintiff in violation of federal and state laws never made contact or provided any information prior to the filing of this lawsuit. I am.on my own filing a motion to dismiss. I am a XXXX XXXX  citizen and my only current income is Supplemental Security Income. I am having to file a request for a waiver of court fees. My income and assets are exempt from garnishment. 

Crown Asset Management , LLC. responded to this complaint stating within that all correspondence was sent to the consumers legal counsel, XXXX XXXX XXXX. I am filing this complaint due to the unsatisfactory response I received from Crown Asset Management , LLC. concerning an alleged debt. In their response, they claimed that all correspondence related to the debt was sent to a legal counsel who has never represented me. I did not authorize communication with this legal counsel, nor has XXXX XXXX XXXX ever been engaged as my legal counsel. 

The debt buyers failure to communicate directly with me has caused significant confusion and delays creating undue burden in resolving this matter. Their actions raise concerns about proper handling of my personal information and compliance with the Fair Debt Collection Practices Act ( FDCPA ), particularly as I was denied the opportunity to receive critical information and respond appropriately. 

A new debt buyer is generally required under the Fair Debt Collection Practices Act to ensure that they are sending correspondence to the correct person and address. Crown Asset Management , LLC. failed to perform its due diligence as required by law. 

I am requesting the CFPB to : 1. Investigate this matter to ensure that the debt buyer is compliant with all federal laws regarding debt collection practices. 
2. Require the debt buyer to communicate directly with me and provide the necessary documentation to verify this debt. 
3. Ensure that my personal information is not improperly shared with third parties without my explicit authorization.
Product: Debt collection

I have been called repeatedly by a recording from " debt collectors '' named Harris and Harris, wanting me to call their number. This occurs every few days for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a Tv last XXXX and used there in house Yes Conns financing. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a recent review of my consumer reports with XXXX, XXXX and TransUnion. All three agencies are reporting a XXXX  XXXX Bankruptcy which all 3 reported this information came from XXXX. I sent a letter to XXXX via certified mail ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX letting them know that they, XXXX and the other 3 credit reporting agencies have violated my consumer rights to privacy by reporting this information without my permission. I also contacted the bankruptcy court who stated they do not provide any consumer information to credit reporting agencies. I told XXXX to remove this inaccurate information from any report/file that they have on me and to stop reporting this information to other credit reporting agencies. XXXX sent a letter dated XX/XX/XXXX stating the results of their reinvestigation came from them reviewing their bankruptcy records that they received from XXXX. I have contacted XXXX  and they stated they do not contact consumer reporting and credit reporting agencies. Since a reasonable reinvestigation was not conducted. I want XXXX, XXXX, XXXX and TransUnion to stop all reporting of any bankruptcy on my consumer/credit reports and files immediately and to provide me with updated reports/files upon removal.
Product: Credit card

I believe the account is invalid. SYNCB/CARE CREDIT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SYNCB/CARE CREDIT XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,
Product: Mortgage

In its letter dated XXXX/XXXX/XXXX & which I received by mail on XXXX/XXXX/XXXX, & pursuant to CFPB File numbers XXXX & XXXX, Ocwen Loan Servicing , LLC formulated its final determination on some aspects of my complaints. It will not delete a late payment notification to the Credit Bureaus which relates to XXXX XXXX & it also makes the following assertion : " Additionally, as reflected in Ocwen 's XXXX XXXX, XXXX response to you and to the CFPB ( file number XXXX ), Ocwen disbursed a property tax payment of {$2900.00} to XXXX XXXX on XXXX XXXX. XXXX, prior to the loan satisfaction on XXXX XXXX, XXXX. In response to your most recent correspondence, Ocwen contacted XXXX at XXXX XXXX, who advised there was a delay in that office processing duplicate payments. XXXX advised the duplicate payment would be processed within 30 days. As soon as Ocwen receives a refund for this payment, the funds will be forwarded to you ; however, as the funds were not originally disbursed in error, there is no more Ocwen can do to assit in expediting this matter ''. 

This aformentioned statement by Ocwen is misleading. In fact, upon receiving Ocwen 's letter today, I immediately communicated with XXXX XXXX XXXX at XXXX XXXX XXXX ) which informed me that the only executed property tax payment in their books for the property in question is from " XXXX XXXX '' and dated on XXXX/XXXX/XXXX. According to their records, they returned to Ocwen " unprocessed '' duplicate checks on XXXX ; XXXX & XXXX. Presumably, the unprocessed duplicate check returned on XXXX would apply to my former property. In fact, based upon an email communication with XXXX XXXX XXXX on XXXX, Ocwen had made the following statement : " The taxes HAVE NOT been paid, they are scheduled to be paid by end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid ''. 

According XXXX XXXX, they do not process duplicate checks and that they simply return them to those who sent them. 

Why is Ocwen making such misleading statements concerning this property tax issue? Why is Ocwen so resolute in delaying to provide me with the required refund? Why does that Ocwen keep on insisting that I should have also made duplicate payments related to the XXXX mortgage payment when its PayOff quote already included such payment amount? Would it then come up with other made up causes which would obligate it to delay making all required refunds?
Product: Debt collection

Navy Federal Credit Union closed my account alleging that a debt that was sold to a third party and that I now owe a balance on my bank account. I reached out to get information on this alleged debt, but they stated it could not be provided. I did notify navy federal that I will fully consider such letter if they are able to provide evidence that I am financially obligated regarding this alleged debt. They were never able to provide this evidence to me and in the past deleted another omission from my consumer report due to them doing securities fraud. I have reason to believe navy federal credit union agents discriminatorily did this to cause me financial hardship and restrict access to my accounts.
Product: Credit card

Subject : Complaint Regarding Credit Card Transaction Dispute - Request for Resolution Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a recent credit card transaction dispute with Chase. I purchased a first-class upgrade for mXXXX XXXX XXXX XXXX costing XXXX}. Unfortunately, he was downgraded to business class without our consent, which significantly diminished the quality of service we paid for and expected. 

The original flight fare was paid using a different credit card ( XXXX XXXX ). On XX/XX/year>, I contacted Chase to dispute the upgrade fee specifically, under the claim " Did not receive the service which I paid for. '' Despite explaining that this dispute concerned only the upgrade fee and not the original fare, my claim was denied on XX/XX/year>, with the justification that the flight had already taken place. 

I respectfully request your intervention to secure a full refund for the upgrade fee. The service I paid for was not provided, and I believe I am entitled to a refund under these circumstances. Your assistance in this matter is crucial, and I trust the CFPB will ensure a fair resolution. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing because Western Alliance refuses to tell me the routing number for my savings account. This is a surprise because I thought that all bank accounts have a routing number. Western Alliance claims that the savings account does not have a routing number because it is not a transaction account. I have not encountered a bank with accounts that have no routing number and I'd like them to give me the correct routing number.
Product: Credit card or prepaid card

Good afternoon, I received a prepaid reward card from XXXX for {$220.00}. It expired on XX/XX/2021. I wrote to XXXX to ask for the card to be re-activated, or have the account closed and a check sent to me, which could be done for a fee. I referenced the CFPB statement on expired prepaid cards and provided the link as well. I received a response ( see attached ) which directed me to the online redemption website to see if the card could be re-issued. I did that and was informed that the card was expired and could not be replaced ( see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bank of America credit card for a few years. At the beginning of 2020, due to XXXX, I fell a few months behind on my payments. Bank of America offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted bank of america and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, Bank of America continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as BofA 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
Bank of America gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for BofA have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.
Product: Debt collection

I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Innovative Recovery Inc a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. Innovative Recovery Inc has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with XXXX and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. Innovative Recovery Inc was added to my XXXX report in XX/XX/2022 but I received the first letter from Innovative Recovery Inc XX/XX/2022 so that doesn't make sense either. Innovative Recovery Inc and XXXX has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.
Product: Credit reporting or other personal consumer reports

So I have been a victim of fraud before. After taking a look into my credit report with my advisor I have seen more accounts on my report that I know wasnt me. There were 4 credit card accounts and 9 inquiries that I dont recognize. The credit cards were XXXX XXXX opened on XX/XX/XXXX with a {$3200.00} balance. XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a {$0.00} balance. XXXX XXXX XXXX XXXX on XX/XX/XXXX with a {$0.00} balance. XXXX Bank XXXX XXXX XX/XX/XXXX with a {$0.00} balance. Now there were several inquiries that I didnt open. Georgia Own XXXX XXXXXXXX opened on XX/XX/XXXX. Georgia Own XXXX  XXXX opened on XX/XX/XXXX. XXXX XXXX Bank opened on XX/XX/XXXX. XXXX XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX Bank opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I consolidated my four XXXX loans in XX/XX/year>. Before consolidation, these accounts were reported as being in good standing, including being marked as 'paying as agreed ' for XX/XX/year>. However, for XX/XX/year>, these same accounts were erroneously reported as 90 days late. This is incorrect as these loans were in COVID-related forbearance throughout the entire year of 2021, a fact acknowledged in verbal communications with Nelnet representatives and substantiated by documentation from Nelnet itself indicating the accounts were in forbearance during this period. Despite over a dozen communications, including multiple phone calls with Nelnet where representatives confirmed the forbearance status during the disputed period, the company has failed to correct the reporting to the three major credit bureaus : XXXX, XXXX, and XXXX.
Product: Credit reporting

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE