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

I had a payment for {$2.00} that returned from my bank. For NSF it was an honest mistake and I received a {$25.00} Returned Check fee. I called to see if I could get it waived as a courtesy. I have been in banking for many years and have never met a financial institution so stingy with refunding a {$25.00} fee. Literally, I am now left to pay XXXX more that my balance and minimum payment. I was rejected by a Cs agent then thought I could get someone with more authority to help me this one time..I 've never been late I have paid interest and on time. The next agent by the name of XXXX employee ID # XXXX. Attempted to dispute it for me. I have nothing to dispute I understand the reason why I received the fee l, I understand. As a customer I was asking for a courtesy waiver for an honest mistake on a {$2.00} payment. XXXX also tried to justify the denial or the reason for not waiving the fee as a this is a way of the bank generating revenue. By not appreciating their customers and having NO empathy ove a situation like this. He also made it VERY CLEAR that AT THE END OF THE DAY THIS WAS JUST A JOB to him meaning that Bread financial or commenity whatever they are XXXX no company values based on morality and that we customers are ONLY numbers and money signs to them. The business we bring them is not something they truly care about they have so many other customers that one little one like be with a little {$2.00} payment is going to leave the BROKE if they were to XXXX forbid refund a {$25.00} fee. WOW WOW. If that employee was in an escalated or escalations positionhe poorly represented this company but I assure you, I will never do business again and will let my family and friends know of the culture this company carries. This call was today XX/XX/23 @ XXXX XXXX
Product: Checking or savings account

I have a small business account with Capital One Bank. I opened it online and previously had access to online bill pay. I do not need it that often, but it is important. I tried to find it again yesterday. but do not have it on my account. I called Capital One this XXXX ( XX/XX/23 ) to inquire as the info online for small business accounts states I should have access. I called the main contact number. I spoke with someone ( who sounded like she was in the US ) who could not even pull up my account info. She said since I opened the account online, I needed to call a different number which she transferred me to ( non-US call center ). My issue on this is not that it's not a US-based call center, but that there are 2 classes of account holders. I was told by the other rep that my account does not have online bill pay as a feature. I can change by going into a branch, but it would create a new account number which is a hassle. The closest branch is XXXX min away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to open an Account with XXXX XXXX  and chex systems reported all the wrong information to XXXX XXXX  and XXXX XXXX  didnt open my Account. it is showing wealth index as " XXXX '' when I do own a property and I do have substantial amount in my Bank Accounts. Chex system is not transparent and showing wrong information to the banks. I have excellent reputation with all the Bank and do own wealth. Chex Systems is a fraud company and should be closed.
Product: Checking or savings account

On XXXX XXXX Chime Bank closed my chime account without any notification. Chime kept my {$600.00} that is in my chime account. On XX/XX/year> when I went to login into my chime account I could not login to my chime account. I then contacted chime by phone and chime representative told me that my account was closed and that my money was not refundable to me. Chime representative told me to contact XXXX XXXX and chime representative did not give me a phone number for XXXX XXXX and could not give me any answers to where my funds were and why my account was closed for no reason. I then contacted chime bank again on XXXX XXXX and chime representative was very rude and gave me the same answers as when I spoke with them on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My online back account got hacked into and the person sent themselves money
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing ALL XXXX XXXX XXXXGreat Lakes inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and Great Lakes no longer service Student loans. 

XXXX XXXX XXXX XXXX/Great Lakes has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from XXXX XXXX XXXX thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred
Product: Credit reporting or other personal consumer reports

I intended to pay my XX/XX/2023 mortgage payment with XXXX XXXX XXXX. 
However, inadvertently, my assistant XXXX XXXX sent my monthly payment to the incorrect bank acct ( my bank acct at XXXX XXXX in error ) : ( The only way we realized this was when I received a text on XX/XX/2023 from credit agencies such as XXXX stating over 30 days late with my XXXX XXXX payment. 
I went to XXXX XXXX right away on XX/XX/2023 and asked what happened to the payment. She found that unfortunatly she sent it to the wrong bank. This was completely human error, we never intended to be late. All of the past payments were on time. 

XXXX and I called XXXX immediately to have them take the payment over the phone and they did so. 

We also made numerous calls to XXXX XXXX XXXX for help in repairing my credit score.. 
And they said write a letter. I also requested a payment History from XXXX and it took a long time for XXXX to send to me.. to show on time always except for the XX/XX/2023 payment due to human error, money went to wrong bank I sent a a couple of letters to XXXX explaining all as well as sending statments showing the money leaving my XXXX XXXX acct on XX/XX/2023, going to my XXXX XXXX acct rather then XXXX... 
Unfortunately, XXXX came back with no help to me after 30 days. They will not remove the negative late reporting to repair my credit. 

Due to the above, Transunion as of today has my credit score XXXX points below what it was in XX/XX/2023 XXXX however, repaired my credit score to what it was in XXXX 2023 I am attaching the XXXX XXXX XXXX  Mtge payment history on this complaint. 

Please help me. My credit score should be repaired this was unintentional Thank you XXXX XXXX XXXX
Product: Credit card

I am in receipt of my XXXX credit report number : XXXX, dated XX/XX/XXXX, and I noticed Macy 's, ( XXXX XXXX XXXX, XXXX, OH, XXXX, ( XXXX ) XXXX ) placed an unspecified inquiry dated XXXX XXXX. I have existing accounts with Macy 's and did not request the following ; 1 ) open a new account 2 ) complete or request an application for a new account 3 ) place a request for an increase of line of credit on existing accounts. 
Therefore, under the FCRA Macy 's had no validate reason to place an hard inquiry on my consumer credit report and refused to delete said inquiry until XXXX. 
I believe Macy 's is engaging in XXXX profiling and intentionally using techniques designed to lower the credit scores of minorities. In XXXX, I filed and complaint with CFBP against Macy 's for failure to report my accounts with the XXXX credit bureaus which lowered my credit score. Macy 's intentionally placed an hard inquiry on my XXXX credit report as an retaliatory action in addition with the sole purpose lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only has these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I WAS NOT GIVEN ANY OPTIONS TO OPT OUT, NOR WERE ANY OF MY OPTIONS EXPLAINED CLEARLY TO ME. These companies continue to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should they again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I KNOW MY LAWS AND I KNOW MY RIGHTS. I HAVE A RIGHT TO PRIVACY & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX {$190.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4600.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$18.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX  Account Number : XXXX {$190.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$25.00} XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$18.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$190.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}
Product: Student loan

After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was deleted from my Experian credit report back in XXXX of XXXX. ( Please see attachment for further details. ) Even though first premier Bank account # XXXX was deleted from my Experian credit report on XX/XX/XXXX account now shows a verified and updated status as of today XX/XX/XXXX. How is this possible?? 
Where is Experian getting its information from?? 

This is a violation of ( FCRA ) ( Please see attachment for further details ) This account has been reinserted onto my Experian credit report between XX/XX/XXXX and XX/XX/XXXX without notification within 5 business days of reinsertion. This is a violation, I demand that this account must be deleted from my Experian credit report immediately. 

: With an unverifiable balance a violation, delete account immediately : XXXX XXXX XXXX currently reports incorrect last date of payment on my Experian report. A violation. Account immediately : XXXX XXXX XXXX currently inaccurate & misleading last date of activity. A violation, remove account immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's Data Breach in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on XX/XX/XXXX in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated .

Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.
Product: Mortgage

I purchased my home back in XXXX and was in paying the person I bought my home from and in XXXX took a mortgage out with XXXX XXXX and then I took out a second for my kids college and to redo my kitchen, when they went under this other Company called SPS select portfolio servicing took over they told me to pay them and I was until the pandemic hit and they called and told to not worry about paying each month on time and had me on a forbearance. I was still able to pay my secondary payment and then my first mortgage payments went up from {$1200.00} to XXXX then XXXX then XXXX they have my payments up and down and now since about 8 months now are not accepting my first mortgage payments but only my second. I received a letter from and their attorneys that they want to foreclose on my house. I am in the works with XXXX XXXX XXXX out of California to help me with this deception of SPS. SPS will not work with me in reducing my rate from XXXX to the rate that is out there right now. They would rather foreclose and get the high value that my house has earned now. I need help to save my home which i have little grandchildren living with me and the work I have put into this home
Product: Bank account or service

I did not activate a new XXXX card issued by Synchrony Bank after a takeover when all XXXX, FL XXXX Stations closed and the account was paid up on the old card. They have now XXXX received XXXX/XXXX/2015 ) sent me a bill for {$12.00}. I refuse to pay this blatant charge manufactured from pennies likely found in an audit.
Product: Payday loan, title loan, personal loan, or advance loan

This company, gave me a loan for {$750.00}. I was in desperate need to get my car fixed to continue working. Signed the paperwork, which I'm pretty sure did not say the actual APR of XXXX XXXX. In other words, they automatically take XXXX every XXXX weeks, on my OFF weeks of getting paid- in total, I will be paying {$4000.00} total for a {$750.00} loan. This to me, is downright criminal. They take it automatically from my bank account whether there's money in it or not. I have all the screenshots of account, I've made XXXX payments of XXXX so far.
Product: Credit reporting or other personal consumer reports

This collection XXXX XXXX XXXX XXXX I don't know who they are and I have never had any business with them, they are also reporting addresses where I have never lived and charging XXXX dollars which I DO NOT owe them, I demand proof of this account and the supposed contract that I have with them because I am sure that they do not They have nothing, please have the attach with the official complaint that I posted
Product: Credit card or prepaid card

I paid off a credit card with Bank of America and then they took a scheduled payment of {$100.00} that was not owed. I requested a refund of the {$100.00}. Bank of America mailed me a check for the {$100.00} which I cashed at my bank. Then I found Bank of America had stopped payment on the check. When I called and asked them about the stop payment they initially said I didn't cash it fast enough and it had expired. I cashed it the day it arrived. Then they said they had chosen to refund the {$100.00} back through my checking account instead of the check which is why they cancelled the check. There was no communication with me that the check was cancelled. As a result of my taking it to my bank I received a chargeback of {$8.00}. Bank of America should refund this chargeback as it was entirely their fault. 

XXXX XXXX XXXX at XXXX XXXX where I received the chargeback says they will only reimburse me for the {$8.00} if Bank of America will write a letter verifying they cancelled the check and sent the funds digitally instead. So XXXX and Bank of America are both terrible banks.
Product: Mortgage

I disputed this account with the lender on several occasions. The account is more than 7 years old and contains negative information that is impacting my FICO score so it must be removed as of XXXX. It shows the last date of activity was XXXX and the account closed in XXXX. According to FTC / FCRA, negative information must be remove after 7 years of the last activity which would make the removal date be XXXX. Its not a bankruptcy or a judgment so it is past the reporting period of 7 years. I spoke with a service rep and a supervisor at XXXX on the phone on XXXX at XXXX informing them both of the dispute and the unsatisfactory results. XXXX stated the account will remain and would not be removed regardless of the negative history and the the account being reported as more than " 120 days delinquent '' and a " charge-off '' status because the lender is reporting the account status of " paid and closed '' which makes the account a non-negative account in good standing. 
I want all of the negative history removed from the account or the account removed from my credit file. See my note in red on the attached pdf artifact file.
Product: Mortgage

We paid our mortgage through ACH. Mortgage payments have been deducted every month on the first business day after the first of the month. PHH reversed the XXXX and XXXX payments on our account and IMMEDIATELY transferred the loan to XXXX. XXXX, upon receiving the loan, thinks we are two months behind on our payments because PHH reversed the payments and put the money in the escrow account. PHH then created a statement for XXXX that indicates we did not pay our XXXX or XXXX mortgage payments, and XXXX also believes we are 90 days behind on our mortgage because PHH FRAUDULENTLY REVERSED OUR PAYMENTS. We did not receive the money back in our account. 

When we have tried to contact either PHH or XXXX, we get " your call will be escalated '' but NOTHING IS HAPPENING. It is unconscionable that PHH can reverse the application of our funds to our loan ( which, it turns out, are sitting in our new escrow account at XXXX ). It is similarly unconscionable that XXXX can not, when presented with evidence of our payments ( which have been provided, including PHH 's statements reflecting our payments PHH 's FRAUDULENT REVERSAL OF THE PAYMENTS and our bank account statements which show the payments deducted from our accounts ) stop the erroneous mail saying that we are in DEFAULT on our loan WHEN THEY HAVE THE MONEY IN OUR ESCROW ACCOUNT THAT EXACTLY MATCHES THE TWO PAYMENTS THEY SAY WE ARE MISSING. No investigation on XXXX 's part appears to account for the mental stress caused by this situation. They insist that they have 15 days to resolve the matter, EVEN THOUGH IT IS OBVIOUS AND THEIR REP SAID IT WAS CLEARLY IN THE ESCROW ACCOUNT. 

We have had mortgages for 20 years. They transfer regularly and we have NEVER been behind on our mortgage. We have NEVER had this happen before and can only attribute it to PHH 's incompetence and FRAUD.
Product: Checking or savings account

I signed up for a promo bonus with XXXX XXXX XXXX. 

In the promo and the terms and conditions, it stated that you will receive a {$300.00} bonus by enrolling in online statements and making 5 qualifying transactions by XX/XX/XXXX. 

The promo code was XXXX and when I applied online it said it was successfully applied. 

I completed everything and made my deposit and completed all qualifying conditions to receive said bonus. 

Just to be sure, I called XXXX XXXX customer service and was td after half an hour of holding that it wasn't eligible im Texas. Was told that again by an employee when I tried calling my nearby XXXX XXXX center. 

The problem is, no where in the terms and conditions is it stated that Texas is not eligible. The page where you input the promo code also asks for your zip code. 

Other institutions do not allow you to open an account with a promo code if you do not reside in the area. 

I have actually spoken to others who reside in Texas on XXXX and they have stated that they have received the bonuses. Many others have been told that Texas is not included in the promotion, yet it does not specifically state that Texas is not included. 

This is a link to the offer. 

XXXX XXXX XXXXXXXX It is the same one but this is an extended offer which expires on XX/XX/XXXX, mine expired on XX/XX/XXXX but you have until XX/XX/XXXX to complete the conditions.