23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a premier checking account with First citizens bank. Then on XXXX send them a mail after talking to them that convert into a free checking account. But it is still not done. To my surprise this bank charges for phone calls made to it for customers ( they say that they do n't charge for the first XXXX phone calls but then charge {$1.00} even for automated system ) ... this is absolutely ridiculous way of making money. 
Till now my online account says that it is not converted into the free checking account. Why??? Moreover because the online website is not good - customer will be calling to make sure but will they be charged? Where in the world these folks are living?
Product: Debt collection

I was billed by a company called XXXX XXXX XXXX for XXXX XXXX that i received from XXXX XXXX XXXX I was charged two amounts for {$5100.00} and {$3000.00}. I spoke with XXXX XXXX and was told this was a mistake and I was not liable for this. Recently I found out all three major credit reporting agencies ; XXXX, XXXX, and XXXX has a collections on my credit report for these amounts from XXXX XXXX. I never received any notice of this. I spoke with my insurance company ( XXXX  of SC ), XXXX XXXX XXXX  ( the originator of this test ), and XXXX XXXX XXXX c/o XXXX XXXX XXXX who billed me for this. I also spoke with an investigator who told me that this was an error and I should have never been charged these amounts and told me that I was not liable for this. After speaking with the investigator, the last contact I had with him, he informed me that the issue had been cleared up and I wasn't liable for this. I wasn't alerted that this had been sent to collections until Recently even though XXXX XXXX  was given the account in XX/XX/2017. I never received any written notification via mail. After being alerted that these charges were sent, I called XXXX XXXX XXXX c/o XXXX XXXX XXXX. I came to find out that the company is dissolved since filing for bankruptcy and had multiple lawsuits against them fraud. I have submitted disputes with each credit reporting agency as I was told on multiple occasions that I wasn't liable for these cost and should have never been billed in the first place. I have also reached out to the investigator that I was speaking with before to find out why this wasn't cleared up and why it is now in XXXX XXXX   possession. XXXX XXXX XXXX was no help in trying to resolve this issue and tried to pass the blame to another entity who has no connection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and fairness things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. According to the FCRA Act 15 U.S Code 1692 Truth and Lending ( a ) ( 4 ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Mortgage

My name is  XXXX   XXXX  an d BSI Financial has b een my loan servicers since  XXXX   XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very   XXXX   XXXX   XXXX   XXXX  . Since last year we 've requested loan modification from  BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only w ishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.   We found a lot of fraud, especially with the   XXXX   company. You can look at the attachments and see what kind of fraud   XXXX   creates. They tried to sell my property illegally, they do n't have any right to sell my property on  XXXX   XXXX ,  XXXX .       XXXX   XXXX     XXXX  pdf See  attachment.
Product: Student loan

Prior to the below dates, I have had a XXXX XXXX time figuring out forbearance due to SAVE with these people. I've called every month or two for about a year since each time I'm told I'm on forbearance, I keep somehow getting switched off of it as if I'm not enrolled in SAVE. None of my peers have had to deal with this. I don't have good dates for those calls since it's been over a year, but I assume the agency has record of all calls made regarding my account. The below dates are the dates of the most recent sequence of events. 

XX/XX/XXXX : First time I received a document for my forbearance. 

XX/XX/XXXX : Document informing me that I was in collections for missed payments. Made multiple phone calls before finally getting a hold of someone at the end of the day who helped put me into forbearance ( supposedly ). I had pushed the callback button and never received a call back in the time frame given, so I had to initiate the final call where I got helped. 

XX/XX/XXXX : Document received informing me of forbearance, again. 

XX/XX/XXXX : Received notice that I had a payment due in XXXX. I was told I'd be in forbearance until the SAVE stuff worked out ; all other SAVE folks are on forbearance until XXXX, so there must have been an error. Called three times this day, was disconnected twice and once stayed on hold after work until their hours of operation closed. Pushed callback button. No callback. Filed complaint with federal aid requesting new servicer. 

XX/XX/XXXX : Attempted phone call, was on hold for twice as long as was told before hanging up ( after 3.5 hours ). Pushed call back button. No call back. Sent message to agency. No response. Filed second complaint with federal aid requesting a new servicer.
Product: Money transfer, virtual currency, or money service

Navy federal transferred my via XXXX knowing that I didn't have funds
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Student loan

I have two loans managed by XXXX XXXX XXXX. During my divorce ( XX/XX/XXXX-XX/XX/XXXX ) I once was unable to maintain sufficient balance in my account to make my monthly payments ( XX/XX/XXXX). My loans were on autopay, and after three failed attempts to pay they cancelled my auto pay. I have since been able to make my payments, but XXXX XXXX XXXX refuses to allow me to resume auto pay for these loans. This results in late payments when I accidentally am not timely enough to recall to make these payments manually. 

I feel that their refusal to allow me to resume using autopay is a strategy to increase their fees and interest earned from loan holders whom they've identified as struggling to manage their debt burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX XXXX XXXX XXXX XXXX 2. ) Cap One 3. ) Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit reporting or other personal consumer reports

I am compelled to write this letter to formally contest the legitimacy of certain accounts erroneously attributed to my credit profile. These accounts unequivocally belong to another individual, and despite my diligent and repeated submissions of all requisite documentation, your bureau has failed to rectify these inaccuracies. This oversight not only impugns my financial reputation but also represents a flagrant disregard for the verification protocols mandated under the Fair Credit Reporting Act ( FCRA ), specifically Section 611. Upon the initial detection of these spurious accounts, I promptly initiated disputes, substantiated by detailed evidence and identity verification documents. Despite this, the accounts continue to tarnish my credit report. The persistence of these inaccuracies suggests a gross failure to adhere to the stringent verification procedures outlined in the FCRA. Section 611 of the FCRA obligates credit bureaus to conduct a meticulous investigation of disputed information within a 30-day timeframe, verifying the accuracy of the contested information. Should the bureau be unable to substantiate the legitimacy of the disputed accounts, they are required by law to expunge such information from the consumers credit report. The continued presence of these accounts underscores a severe dereliction of this statutory duty. In light of the above, I demand immediate and unequivocal action to rectify this situation : Expunge the accounts from my credit report without delay. 
Provide a detailed account of the verification process undertaken for each disputed account, including specific methodologies employed and any communications with the creditors. 
Issue a written confirmation that these accounts have been removed and that my credit report has been amended to reflect the accurate information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I applied for a {$330.00} K rate and term refiance for a investment property on or around XX/XX/2021. They sent out discloures on XX/XX/XXXX verifying my info. All reuested documents where sent to them by XX/XX/XXXX. They gave a condition list on XXXX, all conditions where sent in and signed off by Underwriting. They approved the loan CTC. 

The loan seized activity past that point, calls went unreturned, emails not answered, as my agent tried in desperation to assist me and reach higher level managment for assitance. I myself filed a complaint with client services 3 times that also went unresponded. 

I would suggest that the State please look into this as this company has commited major compliance violations and many people online XXXX, XXXX, XXXX, report similare experience 's They bascially abandoned my loan with no proper discourses of explanation.
Product: Credit reporting

I have disputed a Lien and a judgement that was placed on my credit file in 2014. I have requested information and also asked for verification of these accounts be sent to me. As of this date the the credit bureau has verified this account but I have yet to receive any information on any of these XXXX accounts. I also disputed a XXXX account, and a XXXX account that has not been verified, and I have no information or paperwork on neither of these account. I also disputed a student loan on my account that is reporting that i missed a payment and I have never missed a payment or been late ad I asked for it to be verified and I have not recieved any paperwork back on this account.
Product: Checking or savings account

This is a complaint against the XXXX XXXX Citibank branchs misrepresentation of promotional deposit products. In brief, I deposited {$250000.00} with Citibank XXXX XXXX branch because they represented an outdated {$1000.00} promotion which I relied upon as valid. 
-- -- - SEE ATTACHED LETTER FOR COMPLETE DESCRIPTION OF COMPLAINT ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A cancellation of Lis Pendens was recorded by Citimortage , Inc. on XX/XX/2013 in XXXX XXXX County. A satisfaction of same was also noted and recorded. 

Please remove this erroneous information from our credit report in a timely manner. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1682 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166666b 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 card

I was charged {$10.00} on XX/XX/year> from XXXXXXXX XXXX because I used my Apple Card to purchase a sandwich in the XXXXXXXX XXXX XXXX. The store was closed for the XX/XX/XXXX holiday. I initiated a chargeback on my Apple Card because I never received the product I paid for. I was just notified recently that my Apple Card dispute was not solved in my favor.
Product: Mortgage

On XX/XX/year> I submitted a mortgage assistance application requesting a modification plan, or forbearance plan. I also wrote a hardship letter explaining my circumstances that let to my financial hardship. I received a decision that stated that my account did not qualify for mortgage assistance based on a calculate Net Present Value but, the other available options were Deed-in-lieu of foreclosure and a short sale. I appeal their decision and submittted a second request for mortgage assistance on XX/XX/year>. The response was the same. The mortgage servicer was only using a template and my application was not been review by a underwriter to review my income and debt workout sheet that stated if given the opportunity I can make my mortgage payments with a forbearance plan.
Product: Money transfer, virtual currency, or money service

I am a long term customer of Western Union and have used it for sending funds to relatives overseas for years. Never a problem. 

On XX/XX/2022 I efforted to send {$200.00} to our niece in XXXX and had to provide a copy of my bank account statement as well as my drivers license. I checked status on their website a few times and it was always pending. Then 15 minutes later it says " cancelled ''. 

I called another XXXX customer service rep to try to learn why this was. The only answer was to email XXXX and ask for answers. I did that the same day but the robot response says I have to wait 30 days. 

I am DEEPLY disappointed with all this hassle! In all the years before I've never had a transfer through Western Union denied or cancelled. EVERY time they have gone through with ease. So what was the reason for cancelling my current transfer? I need to know so I can fix it and remain a customer.
Product: Debt collection

Company violated XXXX as well as XXXX and FCRA laws. They also is are reporting harmful information on all three of my credit reports. Please remove all information being reported in my name on this account.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a call from I.Q Data in XXXX of XXXX about a debt owed for an apartment I used to rent in XXXX and moved out of in XXXX of XXXX. I received a letter from them that was sent out on XX/XX/XXXX stating I needed to pay {$330.00}. I called yesterday, XX/XX/XXXX when I came across the letter and tried to get a better understanding on the balance owed, especially 3 years later after moving out from the property. They could not give me any details about the balance and simply said it was for " an appliance repair ''. I looked at my " final walk through letter/form '' from the day I vacated the property and it didn't have a dollar figure of any appliance item being repaired. The only figures on the final move out certificate was {$90.00} for carpet cleaning & {$75.00} for 2 to 3 hour cleaning. I never received anything in the mail about this appliance repair with a balance owed and I definitely did not get my deposit back when I moved out from the property in XXXX of XXXX. So I am unsure as to why this is now being brought to my attention after 3 years. I made a payment yesterday, XX/XX/XXXX, of {$290.00}, as I was promised the debt would be removed from my credit report immediately. I am requesting an investigation if possible. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my XXXX and Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXXXXXX XXXX*** , XXXX XXXX**** and XXXX XXXX****
Product: Credit card

Kolh 's is sending statements after bills are due. After my first complaint they said they would refund my late fee, but have not and they continue to send out statements to people after the bill is do They are also doing this to other people. Federal law requires statements to be sent out statements 21 days before the bill is due and they are not doing this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I applied for a credit card with Chase Bank. Shortly after, I noticed a hard inquiry on my credit report from both XXXX and XXXX. Unfortunately, their system flagged this as fraudulent, and I received a letter requesting identity verification, either by calling a number or visiting a branch. 

On XX/XX/year>2024, I called Chase and verified my identity. They sent me an email asking me to upload documents ( SSN and proof of physical address ) for further verification. I promptly uploaded the required documents and followed up with a call a week later, only to receive the same verification request again. 

About two weeks after my initial application, I visited a Chase branch. There, they verified my identity and sent the documents again. However, even after two weeks, my credit card application remained in limboneither approved nor denied. On XX/XX/year>2024, I called Chase again, and during that call, they immediately approved my credit card. 

I thought the issue was resolved until I discovered a second hard inquiry on my XXXX credit report. I called Chase to request the removal of this unauthorized second inquiry. Upon investigating, I learned that their system archives credit card applications older than 30 dayssince XX/XX/scrub> 2024, was over 30 days from my initial application on XX/XX/year>2024, I suspect this triggered the second inquiry. Chase acknowledged the situation and successfully removed the second hard inquiry from XXXX. 

However, I later realized that the second hard inquiry was not removed from XXXX. I assumed that Chase would request removal from both credit bureaus, but that was not the case. Ive since made multiple calls to Chase, requesting the removal of either the first or the second hard inquiry from XXXX, but neither has been removed. I also raised a dispute with XXXX in an effort to resolve this. 

I would appreciate any assistance in ensuring the removal of the duplicate hard inquiry from my XXXX credit report. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX reported loan as open when its not. Balance was paid from insurance settlement check due to total loss. account is not delinquent. Account is being reported incorrectly. Update account as paid and closed.