23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was paid for services rendered with {$150.00} prepaid card from Bank of America with an expiration date of XX/XX/24. I called Bank of America to get a new card as I hadnt used the money and I was informed that once the card expires, there is nothing that can be done. This should be illegal since they have already been paid by the company. I asked if I could pay a fee for them to reissue the card and I was told no. Please help.
Product: Checking or savings account

This company scams though calling your phone all day., they refuse to stop calling only to get your important information.. Comenity Bank doesnt exist..XXXX XXXX I will be taking legal action to the fullest if the calls continue.
Product: Checking or savings account

I recently opened a brokerage account through XXXX and it wouldn't allow me to link my PNC bank account to it due to a " change that prevents you from being able to link your accounts ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report as this is a violation of my consumer protection protection rights.
Product: Vehicle loan or lease

USAA has sent four emails advertising an auto refinance rate of 0.49 % APR. However, upon completing the application and with excellent credit and debt to income ratio I received a rate of 1.89 %. Additional details as follows : I received four emails between XX/XX/XXXX and XX/XX/XXXX advertising the 0.49 % interest rate. The USAA site was down on XX/XX/XXXX so I completed my application on XX/XX/XXXX. The lowest interest rate offer I received was 1.89 %. I thought I made an error in selecting the 0.49 % offer so I went back to the USAA email and clicked on the link. I was taken to a landing page where the 0.49 % offer was still available and completed another application. Upon the completion of that application the interest rate remained at 1.89 %. 

On XX/XX/XXXX, I contacted USAA to discuss why the offer advertised was not the one received. The call center rep told me that I received their lowest APR offer available. I informed her that the rate advertised in the email was much lower and I would not have applied for the interest rate they are offering. Clearly the lowest offered rate is not the same as the 0.49 % interest rate that they are advertising, and they are baiting customers to apply based upon false advertising.
Product: Student loan

I requested a refund of {$20000.00} from Great Lakes Education on XX/XX/XXXX and was told it would take between 30-45 days to have my refund processed. I have called on two occasions since then ( In early XXXX and also on XX/XX/XXXX ) to ask for updates but have not been able to receive any substantive information. It has been over 3 months now and I am concerned that my request is not being taken seriously, as I know others who have received their refunds in a much more timely manner. No update has been provided on their website as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my previous letter to Transunion and XXXX for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion and XXXX was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Transunion and XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion and XXXX investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}
Product: Money transfer, virtual currency, or money service

XX/XX/18 sent {$200.00} to scammer. Noticed same day it was not a good sale. Tried to request money back XX/XX/2018. No luck from scammer. Called my bank XX/XX/18 to dispute they stated it would take 10 days for a result. Called XX/XX/18 to check status bank stated they found no error and sent paperwork explaining why on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

problem with fraud alert and freeeZes remove it XXXX XXXX, transunion, and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX, XXXX  and TransUnion. ... These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; Trans Union Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary XXXX  credit monitoring service
Product: Mortgage

After reviewing the documents provided by HSBC Bank I noticed that my mortgage is overstated by at least {$6100.00}. 

The documents provided by HSBC Bank state that HSBC Bank provided me with {$120000.00} at closing ( see attachment B, E & F ). That is new loan of {$110000.00} and XXXX XXXX XXXX Grant of {$7500.00}. However, after adding the closing costs to the XXXX checks from HSBC Bank it reveals that HSBC Bank only could have provided a maximum of {$120000.00} ( {$120000.00} - {$6100.00} ) ( see attachment A, B & C ), the calculation is below. 

On attachment B-2 there is a {$300.00} charge which should have been paid to XXXX for review of recognition agreement ; I contacted XXXX XXXX XXXX did not receive this {$300.00}. Also, on B-2 there is a {$1000.00} charge for settlement charge. In a letter dated XXXX XXXX, 2016 from HSBC Bank ( See attachment A-2 ) it is stated that the {$1000.00} was made payable to my closing attorney. However, my attorney said that this was a bank charge and it had nothing to do with him. 

Attachment D-1 is the lien filed in XXXX County for the XXXX Grant of {$7500.00}. HSBC Bank did not file any lien for the mortgage of {$110000.00}. 

I need HSBC Bank provide me with a check for the overstated amount ; that is {$6100.00} plus interest adjustments. 

Principal Amount New Loan XXXX XXXX Grant XXXX Total XXXX XXXX HSBC Check # XXXX XXXX HSBC Check # XXXX XXXX XXXX ( XXXX ) Closing Cost : Origination Charges XXXX Appraisal Fee XXXX Credit Report XXXX Daily Interest charge XXXX Settlement/Closing Fee XXXX XXXX Search XXXX Government Recording Charges XXXX Flood Certification XXXX Tax Service Fee XXXX Review Recognition XXXX Construction Fee XXXX Maint to XXXX XXXX XXXX XXXX XXXX ( XXXX ) Total XXXX Add Back : Settlement/Closing Fee XXXX My attorney said he had nothing to do with this Review Recognition XXXX XXXX said did not receive this Construction Fee XXXX Paid by XXXX Grant Check Received XXXX Maint to XXXX XXXX XXXX - Pro-rated XXXX XXXX Total Overstatement XXXX
Product: Mortgage

I assumed a VA mortgage in XX/XX/XXXX with Navy Federal. I have never experienced this level of incompetence before, from the application process through now. The latest issue I have been trying to resolve is that they paid the wrong insurance company from my escrow account. Now they will not fix their error or report back to me on how or when it will be addressed. 

I provided my home insurance policy many times per their requirements during the closing process. I had to make a payment and send them a receipt. And email them a copy of the policy. And upload it to their special insurance website. But they still paid the old company that the previous owner had, in error, in XX/XX/XXXX. Again, I assumed the loan in XX/XX/XXXX. 

I have called many times, and spent hours on the phone, and received verbal promise after promise that they swear they will fix it and call me back. Every time they tell me XXXX business days and then don't respond - so I have to call them back and start from square one. They've sent this to their XXXX, they're adding a note that I am not getting callbacks, they're noting that I'm this close to filing official complaints with their overseeing agencies. Well, now I'm filing. I am a XXXX veteran, and I don't have the ability to keep at them the way they need to be kept at. I just want the money refunded, because I never authorized my funds to be sent to the wrong insurance company. My money has been stolen from me in this case, and I want it returned to my escrow account where it belongs.
Product: Credit card

I applied for a wells fargo propel card on XXXX XXXX 2015. I had to spend XXXX in 3 months to receive XXXX bonus points. I completed my required spending in XX/XX/XXXX and my bonus points were shown as pending to post XXXX XXXX. I also called XX/XX/XXXX to ask when they would post - i was told XXXX XXXX. They did n't post and i called back XXXX XXXX - the lady said they would post XXXX XXXX. I verified on the website that it was now changed to XXXX XXXX. I called in XXXX XXXX when they did n't post and was told they would post XXXX XXXX. My complaint is that they are not posting in the time their fine print said, as well as they would not return phone calls as promised ( i spent over 3 hours on the phone through 6 phone calls all pertaining to this ). In addition, my points have still not posted even though i held up my part of the agreement - wells fargo is not holding up their agreement in their fine print under the promo i signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion disputes department on a recorded line on XX/XX/2019. My dispute was refused because they have never heard of the law in the state of Alabama where a minor is considered to be anyone over the age of 19. I offered to send in the information but he still refused my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

No specific representatives name and email for Experian. Only through the website. Notarized letters sent via certified mail is the seventh attempt to resolve inaccurate information concerning : Experian Report # XXXX, dated XXXX ; report # XXXX dated XXXX report # XXXX, dated XXXX ; report # XXXX dated XXXX ; report # XXXX dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with XXXX XXXX XXXX  and accounts with Carrington Mortgage that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer. 

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accts nos.XXXX and XXXX are accounts that I have reporting to EXPERIAN , XXXX AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.
Product: Debt collection

I sent an e-mail advising I needed more info because I did not recognize debt and never received email back. Made 6 call attempts within hours and put straight to voicemail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX late payment for the month of XX/XX/2022, but it states last payment received was XXXX XX/XX/2022 with XXXX, also with Experian, but with XXXX it states XX/XX/2022 which means payment was not late. This account is affecting my credit worthiness when its inaccurately reporting. I ask that this account be updated to paid as agreed or removed from all three credit bureaus. Also it shows payment status paid as agreed for XXXX and XXXX for Experian it states 30 days late how is it possible the Payment status is ok with two bureaus such as XXXX and XXXX but not Experian. This company is furnishing my information illegally. According to the FCRA 15 U.S. Code 1666b - Timing of payments it states 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 XX/XX/2022 how can a payment be 30 days late, if it shows Ok status for the previous months XXXX, and XXXX thats inaccurately reporting. I demand to be updated immediately I will attach attachments below please review them.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Client Advocate Servicing Team XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Satisfaction of Mortgage Dear Sir/Madam, I am writing to formally request a Satisfaction of Mortgage for the property located at : Property Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Details : Borrowers Name : XXXX XXXX XXXX Loan Number : XXXX Origination Date : XX/XX/XXXX On XX/XX/XXXX, at the time of signing, the mortgage associated with this property was paid in full as the loan application itself served as security collateral for the transaction. According to generally accepted accounting principles ( GAAP ) and SEC filings, financial institutions recognize loan applications as collateral assets for securitization. Additionally, XXXX XXXX, which was listed as the servicer after you transferred the note, has recorded the loan as paid in full with a balance of XXXX dollars. 

Despite this, the XXXX XXXX XXXX XXXX records still reflect a lien held by XXXX XXXX XXXX XXXX  To clear the lien and officially release the property title, I request that you immediately prepare and record the necessary Satisfaction of Mortgage document with the XXXX XXXX XXXX XXXX. Please provide me with a certified copy of the recorded Satisfaction of Mortgage for my records once this process is complete. 

Failure to promptly process this request may result in legal action to enforce the proper release of this mortgage under applicable New York property laws and federal consumer protection laws. 

If you require any additional information to process this request, please contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

I have some negative reporting on my report from credit cards. But now the collection agencys have also placed negative information on report also! So for every card there is double negative reporting! Im being double slammed on everything! Its like reporting it twice! There are 4 derogatory credit card items but there is also 4 derogatory collection reports for same item!! How can they negatively report twice for same accounts?? Its ridiculous!
Product: Debt collection

From XX/XX/2021 to XX/XX/2021, I communicated via emails for XXXX XXXX XXXX a debt collector and who is unknown to me to cease and desist its attempts to collect an alleged debt from this consumer. Unsure of how the company obtained the email address, I repeatedly responded to Sequium to cease its efforts. It did not. Sequium has violated my consumer protection rights through its conduct. 
I have given no prior consent for Sequium to contact me nor use my personally identifiable information. Sequium can not state that a consumer owes any debt. It did. Sequium can not use any medium to obtain a consumer 's location information. It did. By using the email address, consumer believes Sequium has committed identity theft. Sequium violated the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered Huntington Bank was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did Huntington fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached Huntington on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
Product: Credit card or prepaid card

I opened CapitalOne credit card. However after 2 days of approval they put my new account as a fraud, because they need docs from me to verify my identity. I send them all my docs and still after 180 days or more I unable to use this card. Also, they block my online access to this account. I send my documents they need via email and Priority USPS Mail, but they not satisfy .... And very interesting that, this account show up on my credit report as active
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XX/XX/2021 and noticed some things that were reporting incorrectly. I sent multiple letters to Experian asking them to validate these accounts ( XXXX account # XXXX  and XXXX/ XXXX XXXX account # XXXX  ) and to investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). They did not respond, nor did they provide the requested information, which is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ). 

Here are all of the tracking numbers for all of the multiple attempts I have made to correct the information reporting incorrectly on my report : XXXX XXXX XXXX XXXX As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!