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

This is the second time this has happened in a year. 
I was charged an overdraft fee of XXXX on pending items that were not overdrafted and my account balance was positive when the overdraft fee was applied. The charging of the overdraft caused my account to overdraft and then I was charged XXXX more in overdraft fees! I understand if I truly overdraft something but these charges I am being overdrafted on for XXXX didnt even fully come in and leave pending status until after the XXXX was charged. Citizens Bank was sued for this very practice some years ago and had to return fees collected to it's customers. I am very upset as I tried to reconcile with the supervisor on the customer service line and she would not listen to me or look at my account, she only wanted to tell me the overdraft policy. I know what the policy is. She would not look at my account or hear me out that the account was POSITIVE when the fee was charged. At no time was it ever negative on my mobile app or my online account, in fact I added XXXX to make sure it would not go negative when the pending items came in as cleared.
Product: Credit card

On XXXX XXXX  I received a call for a past due payment to which at that time I paid My account balance in full. The representative agreed to waive and late fees. Well turns out the payment applied but the late fee was not waived for the current month so when the next billing cycle came around I should Have had a XXXX balance but instead I had A balance for a late fee that I was Not aware of since I had Paid the account in full. Fast forward I was Then charged the next month a late fee on a late fee. This is absurd and unethical. I received a call from the company where the associate was very rude and refused to let me speak to a manager and also refused to let me file a complaint. I do Not understand how I can Be charged when I was Advised fees can be waived and have purposely not used my store credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts and inquiries on my report I do not recognize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCT # XXXX In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer report plan as late for any purpose.
Product: Credit card or prepaid card

I was solicited by HSBC Bank for its credit card from XXXX to XXXX XXXX.  Each time they offer XXXX rewards after spending XXXX  in the first 3 months.  I applied one in XXXX and got a HSBC MasterCard before XXXX XXXX.  I spent more than XXXX on it in the first 3 months.  When I asked HSBC for my rewards in XXXX XXXX, I was told to wait for a few weeks.  Same thing happened when I asked again in May.  Then I told them in XXXX  XXXX that it's more than a few weeks, the HSBC rep told me that I needed to spend XXXX XXXXn order to get the XXXX rewards.  I said their offer only asked for spending XXXX.  The rep insisted it was XXXX and I was disqualified.  HSBC moved the goal pole from their soliciting offer (from XXXX to XXXX).  This is a clear case of bait-and-switch.
Product: Mortgage

We have had a 30-yr. mortgage for 10 years ( XXXX/XXXX/XXXX ) with XXXX ( XXXX. XXXX XXXX, XXXX, OH XXXX ) on our primary residence. Last month, we received a monthly mortgage statement from Seterus, Inc. ( XX/XX/XXXX ), without my knowledge that XXXX had transferred our mortgage to Seterus so I sent our payment of {$2300.00} on XX/XX/XXXX. A week after that, we received a letter from XXXX notifying us that the check was sent to XXXX, XXXX being our new mortgagor since it 's still within the XXXX transaction period between XXXX and Seterus, Inc.. We called XXXX and found out that they have transferred our mortgage to XXXX XXXX XXXX and was told that they have sent a " Good-bye '' letter through USPS . Unfortunately, I ( XXXX XXXX ) was on a trip outside of the US since XXXX XXXX, XXXX and returned on XXXX XXXX, XXXX. While away, I tried to contact XXXX through email payment but was not allowed to do such transaction because the correspondence was considered " suspicious. '' Therefore, that did not allow me to pay our monthly mortgage for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX on line ( without my knowledge that our account was already transferred on XXXX XXXX, XXXX ). I called XXXX and complained about not forwarding the " Good-bye '' letter through email since I have been corresponding with them for years through email and why it was different this time when they wanted to send the good-bye letter. Had I received that good-bye letter through email, I could have told my husband to arrange payment with them with my authorization. I believed that they did not give us a chance to make the necessary payment arrangement before they transferred our account to Seterus. We contacted Seterus, Inc. trying to make a {$1500.00} payment on XXXX/XXXX/XXXX. We also let them know that the amount is all we can afford to pay towards our mortgage since I have been unemployed since XXXX XXXX, XXXX. My husband is a veteran and is receiving XXXX benefits. He 's recently on a car accident and sustained XXXX which he will require and is scheduled for a XXXX on XXXX XXXX, therby limiting his ability to earn more money. Seterus, Inc. was not helpful and rude that they have threatened us to foreclose our home. I have paper trail to show our attempt to catch up with our payments as well as travel documents to prove that I was not in the USA when XXXX sold our mortgage to Seterus. Inc.. At this time Seterus has put the {$2300.00} as a suspense account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}
Product: Student loan

I took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. 

Thanks, XXXX
Product: Prepaid card

XX/XX/XXXX : found my card is expiring XX/XX/XXXX Called in Netspend call center @ XXXX around XXXX XXXX XXXX - shared my card is expiring XX/XX/XXXX and asked if I could get replacement card with extended expiry. she said she could assist me with this and she would sent replacement card. so left balance of {$340.00} without speending even though I had 1 day to spend them. 
XX/XX/XXXX : received replacement card but with same expiry XX/XX/XXXX called in around XXXX PST explained the situation and got connected to supervisor names " Heel '' he reviewed call log and advised he would raised this up since I was misinformed by Netspend associate and revert shortly XX/XX/XXXX : didn't receive any call or replacement card called in again XXXXXXXX XXXX - customer representative advised that the fund went back to the customer who funded the card. however, when I check with XXXX XXXX XXXXXXXX who funded the card below, didn't get the money back from you. 
so sent email to Netspend Customer service center XX/XX/XXXX Nespend replied on emailed to call back XX/XX/XXXX called back to Netspend : no update XX/XX/XXXX call back to netspend. customer representative advised that the fund has been refunded to the vendor who purchase the fund. 
XX/XX/XXXX checked with the vendor but didn't receive the fund. 
XX/XX/XXXX called back to netspend and notified that once fund expired they couldn't track the fund which means fund is not transfer to vendor.
Product: Debt collection

they received my personal medical records which is a violation of the hipaa law
Product: Checking or savings account

Bank of America allowed someone to create a checking account in my name with NO social security number or form of ID. 

I contacted BOA about this issue and assured me there was no checking account under my name. Two weeks later I find that there is and a user has been able to update all of the contact information on my account with none of my knowledge. 

I asked BOA to wipe all of this info clean. I found today that the fraudulent email is STILL the primary contact on my account and I am unable to delete it. 

BOA has also asked that I send out a form to them with a photo of my social security card and license which is ridiculous since none of this was required for the account to be set up.
Product: Checking or savings account

On XX/XX/XXXX, I've filed claim with Wells Fargo about the unauthorized transactions on my account. Also on XX/XX/XXXX, I've contacted the XXXX Police Department to file a report regarding fraudulent activity on my account. The XXXX Police Department stated, they couldn't do anything until Wells Fargo decides to press charges on their end. I've visited the XXXX Wells Fargo branch on XX/XX/XXXX for a printed transaction summary. The amount of money was {$6200.00}. I've checked my account and saw that {$6200.00} was spent in a week from XX/XX/XXXX to XX/XX/XXXX. I've went to the ATM to make a withdrawal and I saw that I had only {$39.00} left in my account. However, I've never spent a dime of this money. A new debit card was issued to me by mail. I've used the new card only XXXX day. The next day I've tried to use my card, it was cancelled. When I've contacted Wells Fargo about it, I was informed that I could not use my card for a whole year. On XX/XX/XXXX, they decided to close my debit card to prevent further risks to my account. On XX/XX/XXXX, a notice I've received stated that a thorough research was completed. Based on the info available to us and the transactions were made using your card and PIN number, they didn't detect any fraud on my account. I would never give anyone permission to defraud me out of my money. Wells Fargo did not investigate my claim at all because my money wasn't credited back to me. In order for me to access my money, I have to visit the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.
Product: Checking or savings account

XX/XX/XXXX fraudulent charges included : {$9.00}, {$49.00}, {$49.00} XX/XX/XXXX : I called Chase fraud services and filed a report, they temporarily reimbursed the funds in my checking account and said they would investigate. 

XX/XX/XXXX : I contacted Chase fraud services again because the unauthorized amount was charged back to my account. The person working for Chase stated they couldnt find evidence of a fraud charge as it came from an authorized digital account. I asked for more info and they simply stated they couldnt re-open the case in their system and it was considered closed. They advised me to take up the fraud charges with the merchant to reclaim the money.
Product: Debt collection

There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.
Product: Checking or savings account

Wells fargo claims they credited my account twice which did not happen over fraudulent deposits that were not made by me I called an reported these transactions at the time they happened I want my money that was wrongfully took from me by wells Fargo
Product: Mortgage

I submitted an escrow payment as the result of receipt of a NJ property tax reimbursement check issued and sent directly to me as the homeowner to my mortgage servicer, Carrington Mortgage Services , LLC, on XX/XX/XXXX to cover any escrow shortage. However, the excess escrow distribution check was issued to my deceased parents ( the original signatories ), despite the fact that my parents death certificates have been on file with Carrington since XXXX ; Carrington previously confirmed in writing that they determined that I am the Successor in Interest of the property on XX/XX/XXXX. In addition, I assumed the loan and I am borrower on the loan. 

Moreover, prior to submitting the payment, I spoke with a Carrington representative in the Escrow Department, explaining the source of the check and the purpose of the payment, as well as submitted a copy of the letter from the NJ Division of Taxation for Carrington 's review to enable them properly apply the additional escrow payment. 

Nonetheless, after the escrow shortage was applied and a new escrow analysis was completed, the excess escrow disbursement check was issued to my deceased parents despite the fact that Carrington had their death certificates on file and all of the supporting documentation. Moreover, in order to have the disbursement check reissued in my name, I was informed that I would have to wait until 15 days passed from the date of issue of the original check, submit a written request to have the check reissued in my name to the Carrington Research Department, and provide my parents death certificates and supporting document ( proof of Executor of the Estate, probated will, etc. ). 

Additionally, I was advised that every time a new escrow analysis of the mortgage occurs going forward, I would have to provide the information listed above again, otherwise any disbursement check would automatically be issued to the original signatories ( as an extra layer of security and protection ). 

These seems absurd and unacceptable, especially given the finality of the decedents, and the confirmation from Carrington that I am the Successor in Interest of the property. 

I spoke with a Senior Resolution Specialist ( XXXX XXXX ) with Carrington Mortgage Services , LLC on XX/XX/XXXX, who said that he would contact the escrow department and see if there was a possible workaround, as well as inquire if I could be reimburse the {$5.00} processing fee I was charged for submitting the payment on Carrington 's website. However, he said that he couldn't give me any guarantees. Mr. XXXX provided me with an email address to submit my written request to expedite the process. But the email message I sent couldn't be delivered. It bounced back with an error message address not found or unable to receive mail. I don't appreciate the loss and consumption of my time, as well as don't appreciate tying up my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than XXXX  days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within XXXX  days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than XXXX  days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened the account, JPMCB Card, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.
Product: Credit reporting or other personal consumer reports

I filed an Identity thief report I was unable to list all the inquiries. Asked bureaus to remove the inquiries XXXX removed them but not Experian and XXXX! They did not remove all the unauthorized inquiries. 
FTC Report XXXX I was not allowed to put all inquiries on report it allowed up to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a matter concerning my credit report and the reporting of my account information. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Therefore, I request that you update all late payments and any related transaction information on my credit report to reflect " paid as agreed. '' It is important for my credit history to accurately represent my financial responsibility and the status of my accounts. I believe that reflecting these payments as " paid as agreed '' will better align with the factual nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had XXXX issues with GM Financial 's auto payment system. Once in XX/XX/XXXX and once again in XX/XX/XXXX. When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by GM XX/XX/XXXX. 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with GM Financial. When I informed our lender, they let me know " There is a GM lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my XXXX or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with GM Financial and they seem next to impossible with communicating. I can not access my GM Financial account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other GM XXXX XXXX consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND XXXX XXXX BREACH. 

HARD INQUIRIES : 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 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