23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Have had a Citibank credit card and mortgage for years. Have never been late on either. I changed bill pay providers, causing a late credit card payment by one day. I asked if the late fee could be waived. I was rudely told no, appealing XXXX. Was {$35.00} really worth losing a customer with this much business?
Product: Bank account or service

The bank did not disclose its wire transfer fees for savings accounts. It charged {$20.00} per outbound wire and {$30.00} per inbound wire. In particular, the inbound wire fees were a complete surprise. The bank stated to me that they are required by Regulation E to charge wire transfer fees. I am no bank regulation expert, but this does not seem to be the case since other banks do not charge for wire transfer fees.
Product: Mortgage

My structure on my property at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN completely burnt down on XX/XX/22. I have reported it to my mortgage company A & D mortgage. Even though there is no more structure on it, they are illegally placing a lender-provided insurance policy for a non existent structure at the cost of XXXX XXXXXXXX on it and want me to pay it. This is fraud. 

Completely bizarre. 

Another arm of their company disbursing held insurance proceeds for me the build the structure back which is even further proof that the structure no longer being there. However, their insurance division insists on insuring a structure that is no longer there.
Product: Debt collection

I received a call on my cell phone via an automated dialing system from a man who was very rude and immediately disclosed my debt without obtaining any verification from me. He advised me he was calling from the " litigation department '' and my account had been reviewed by an Attorney in his office. I interrupted him and asked if he was in fact calling me from an automated dialing system ; he refused to answer my question and told me if it was n't a good time to just say so. I informed him he is in violation of TCPA, and not to call my cell phone again.
Product: Credit card

XX/XX/year> American Express upgraded my card to a Hilton Honors Surpass Card without my consent. The cost of the Surpass Card is {$150.00} annually. I have been an AX cardholder for numerous years and have never paid an annual fee. AX never mailed me anything throughout my dispute with the company displaying any form that was signed by me that I agreed to this membership upgrade. I am attaching the necessary documentation revealing the dispute process which started formally XX/XX/year>. One wants to pay especially close attention to the fees of {$29.00} and {$40.00} which progress higher as the process unfolds. I am also contesting the late fees which continually are added as Im not paying a fraudulent bill. I contest I owe AX XXXX dollars. Also, the company does not act on a human level but by rude Ai interactions which are one-sided and go nowhere. My last payment to AX was {$100.00} for legitimate purchases. I just received another bill, and the current charges are up to {$260.00}. I also filed a complaint with XXXX, but AX ignored it. AX also ignores the Annual Electronics Fund Transfer Disclosure. The company has never sent me a document on a yearly basis and does not respond to suspected errors.
Product: Vehicle loan or lease

I got a notice on XXXX XXXX that I could reduce my auto rate on my car loan from 7.22 % down to the advertised rate of 6.29 % for 84 months with a company called autopay. I applied for the loan and they came back with an interest rate of almost 7 % for the 84 month term. I asked them what happened to the advertised rate and they said they don't have to honor the advertised rate. This is clearly both false advertising and a bait and switch scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding my employment with the United States XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by Equifax it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Equifax allowed external hackers access to my credit, Social Security, income, and financial history. Their executives made a few million on selling Equifax stock a few days after they learned of the system inflitration but they did not inform the public until after their stock sale. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I used the Equifax tool to verify my information had been stolen, it confirmed that my information was part of the hundreds of thousands of consumers whose data was stolen.
Product: Credit reporting or other personal consumer reports

XXXX EQUIFAX XXXX XXXX XXXX ARE VIOLATING THE CONSUMER LAWS REMOVE IMMEDIATELY XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Macy 's offered a phone settlement for a debt but did I did not accept it if it would harm my credit score. They did not give me a written statement about what a charge off account is. They did not inform me that I would be unable to speak with there credit card reporting service department. And they made me believe that if the debt once paid on my Macy 's card that they would remove the inaccurate information on my file. Well, none of these things happen. The Macy 's executive office incorrectly believes I signed a settlement offer, which I did not. And the information provided to me by Macy 's has been false. 

I would like Macy 's to investigate whether I signed a proper settlement, that I was informed of the consequences on my credit report and that they followed correct protocol. 

I hope that they provide all the information from this investigation to me regarding the situational " acceptance offer '' of a settlement offer which I never accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I discovered my credit information had been part of the Equifax hack. I am very concerned for my future now. I was planning on buying a house next year and now I feel as if everything is up in the air.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my Transunion credit report that should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Within the past 12 months, I opened two store credit cards : XXXX and XXXX XXXX XXXX and XXXX XXXX issued these cards. I began receiving threatening calls from XXXX XXXX  representatives in XXXX ( XX/XX/18, XX/XX/18, and XX/XX/18 ; I received one call prior to XX/XX/18 where the individual stated he was from XXXX XXXX but I did not write down the actual date he called ). The calls are stating I need to give them the name of my attorney and I need to return their call immediately as they need to take action on my account. I've only returned one of these threatening and upsetting calls and when I spoke to the person, she could not tell what she was calling about or why I needed an attorney. 

I contacted XXXX and XXXX XXXX XXXX about my accounts and both businesses confirmed my accounts have a XXXX balance ; I requested a XXXX balance letter from both companies and have the letters in my possession ; they are dated XX/XX/18. 

All of them are telling me to return a call to XXXX and when I call the number, it answers, " thank you for calling XXXX ''. I want the calls to stop. I have listed my phone and my employer 's phone number to stop the harassing calls. Please help.
Product: Checking or savings account

I have had an account with PayPal for over 30 days. I have stop using there service due to them holding my payments received by customers. I called to see if it was possible to have the funds available sooner but the representative would not assist me in a professional manner. As a business owner I look at my consumers as always being right and try to solve the issue. PayPal did not even give that opportunity. I was told that I need to have to confirm my identity, have a least up {$150.00} payments from customer but the inconvenience is payments being held every time I receive an order through my XXXX website. I asked to speak with a Supervisor I was placed on hold for over 30 minutes to get my situation resolved.
Product: Credit reporting or other personal consumer reports

I want to inform the Equifax Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/
Product: Checking or savings account

I opened my Business Checking account in XX/XX/2019. I have met the requirements for getting the promotional bonus but have not received the bonus by the promised date. Offer code is XXXX. Bonus amount is {$300.00}.
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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> 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

Debt was paid and still listed on my credit report as a open collection, called and spoke to a supervisorXXXX and still nothing was done to correct the issue
Product: Debt collection

XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a Midland Funding approx XX/XX/XXXX rcvd. Account records sold to them This is where the  injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to XXXX XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. XXXX XXXX XXXX. To appear in court. I have been paying XXXX a month to XXXX for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. XXXX was.not even aware of XXXX XXXX. Therefore Midland Funding was not even one ta! ing me to coudt.
Product: Checking or savings account

On XX/XX/XXXX I received an ACH payment for my 2nd draw of my PPP Loan. I went to my local Bank Of America branch to try to withdrawl the money and a XXXX hold was put on my account. They told me they had to verify wether the loan was in my name or not and to come back in 24 hours. The next day I call the fraud department that they tell me to call and the representative tells me they are still confirming the loan. After hanging up I try logging on to my mobile banking only to realize that I no longer can access my account. I proceed to go into the branch and the manager tells me my account has been closed. Its been only 24 hours and now my account is closed without any explanation as to why and they are telling me it will take 90-120 days for the investigation to finish before my funds can be mailed to me. They will not allow me the chance to prove my transactions are legitimate nor will they even give me a clear answer as to why it was closed.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees was assessed despite having insufficient funds available at the time the transaction was authorized. However, due to delay posting of charges and credits, I was unfairly charged over draft fees. 

This issue appears consistent with recent findings by CFPB, which identified similar practices by navy federal credit union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Student loan

I recently received a piece of junk mail at my home address which contained sensitive loan information including my full federal student loan balance down to the exact dollar amount to date. It is my understanding that this information is only available to my student loan servicer ( MOHELA ), the national credit bureaus ( XXXX, XXXX and XXXX ), and the U.S. Department of Education. I am very conservative in how I treat my financial information. I only access financial institutions websites directly from my personal computer using my own secure wifi with virus protection. I do not believe I have put my financial information at risk however when I saw that a third party had clearly accessed my protected loan information to send junk mail, I notified MOHELA directly. MOHELA has failed to adequately address my concerns and has not accepted any responsibility for the breach but instead passed my concern off by directing me to the Consumer Financial Protection Bureau and U.S. Department of Education Office of the Inspector General to file a complaint which I have done so. MOHELA has not taken any steps to secure my information nor investigate the issue further. They did offer the opportunity to add a PIN number to my account so that when making payments or changes to my account information, it would require a two-factor authorization, however this does not address the concern that my information, including current balances, are being accessed by third parties without an attempt to manipulate my account information. In short, the third party company sending me junk mail is not attempting to impersonate me or make payments/take out a loan on my behalf, only using the illegally obtained information for marketing purposes. 

I would also like to note that in passing me off to CFPB, MOHELA provided incorrect contact information ( XXXX is the number they provided both over the phone and via email for CFPB ) and in fact directed me to a scam marketing line in which the company did not identify themselves but instead requested personal demographic information ( which I did not provide as I knew it to be a scam ).
Product: Credit card or prepaid card

I applied for a Chase student credit card on XX/XX/19 in-person at their branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke to a personal banker who used their computer system to help me in filling out and completing the credit card application. The personal banker informed me it would take about 2 weeks to process and obtain a decision. 

I returned at the end of XX/XX/XXXX/XX/XX/XXXX and spoke to the personal banker to attempt to determine whether or not I was approved. The personal banker who assisted me said they didn't have an answer and they directed me to a bank manager. The bank manager called headquarters and was told the application had expired and they would need me to submit another application. I attempted to obtain clarity on why I needed to submit another application when I had not received a written response to my initial application but the bank manager did not have an answer. 

As I understand my consumer rights, I should have a written decision letter in hand based on the credit application I submitted. It doesn't make sense to submit another application for credit being that each inquiry lowers my score. 

If I am denied, I should be able to obtain a letter outlining Chase 's decision. I am working to improve my credit and ask for transparency in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$67.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor : SYNCB/XXXX has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

A check made out to my buisness was deposited into someone's account at Hancock Whitney Bank in XXXX XXXX No one at this bank has legal legal access to my LLC. I am not sure whose account it was but the bank refused to help me. The customer who wrote the check didn't want to get involved because they said they got there car and paid and it's my problem if someone did this to me. 

The only bank my LLC banks with is XXXX XXXX XXXX XXXX in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in XX/XX/2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The debt collection company refuses to contact the original creditor regarding a fraud investigation of a third-party and the creditor now alleges that they have no record of such investigation conducted conducted in 2016. According to 12 CFR 235.8 ( c ) ( 1 ), data  regarding costs incurred with respect to an electronic debit transaction, interchange transaction fees, network fees, fraud-prevention costs, fraud losses, and transaction value, volume, and type are supposed to be retained for 5 year 's. Why is there no record of how costs increased above my credit limit from {$300.00} to upward of {$900.00} and the fraud investigation conducted afterwards?