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

XX/XX/XXXXXXXX   -Spoke, name not remembered, but agent is tied to their internal Case # XXXX. 
-Agent was dismissive when asked to assist. 
-Agent advised that I had missed my employer deadline and knew what it was, so this is the consequence. 
-I asked agent to walk me through the form, agent did not, only said to fill in the fields and send it to them. 
-Asked what to put in Custodian information, he said Wife 's information. 

On the form, Under XXXX  custodian address, it states, " Permanent Address. '' No definition of what " custodian '' means. 

XX/XX/XXXXXXXX  -Received an e-mail that my request couldn't be completed due to missing or wrong information. 

-The custodian address was entered as a beneficiary address. The form required the institutions permanent address. Based on the information provided on XX/XX/XXXX, and the unclear form fields, I had not filled it out correctly. 

-Agent did not define trustee vs. custodian vs. beneficiary, nor did the form. 

XX/XX/XXXX -Spoke with XXXX who advised I was provided with improper information and that had I spoken to her initially, my request would be processed appropriately. I needed to resubmit the form to have my saving account transferred. 

-Transferred to XXXX , supervisor. Case # XXXX- stated that because the new account was in my wife 's name, I could not transfer my money into that new savings account. My only options would be to keep or close the account ( with manual contribution ), and to speak to a tax advisor for specific requirements and penalties of moving the money should I choose to ... XXXX had also provided incorrect information. 


SUMMARY : XX/XX/XXXXXXXX  - The agent was negligent in their duties to ensure that conducting business with me was easily understood. This led to the incorrect form being submitted with the improper information. The agent was discriminatory in implying that I wasn't aware of deadlines, etc., I suspected whether he treats all clients like this in a similar situation, or just because my last name was XXXX. 

XX/XX/XXXX - Agent provided clearer instructions, treated me fairly, but still advised of improper action. 

DAMAGE : Potential for financial impact, ability to pay medical expenses, new account admin fees, and new tax implications that could reduce available funds in the Savings account. This experience has felt unfair, abusive, and discriminatory in nature. In the very least, Optum Financials ' agents are not properly trained. A financial institution should not operate in this way, especially one that handling Savings Accounts for medical expenses and Investments. I hope that this aids in holding Optum Financial accountable and prevents experiences like this with other clients.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

i purchased XXXX XXXXXXXX XXXX  on XXXX XXXX XXXX couple weeks later, i moved to XXXX  from XXXX XXXX since then ' i fiulled out XXXX different form and sent fax to hyundai finance for state to state title transferring. and hyundai said different lies since then. 1-we haven't received your title request from capital hyundai ( which i sent them twice ) 2-oh sorry, we lost your title transfer from 3-i see that your title is on XXXX  and on your way home, congrats 4-we can not reach out to XXXX  dmv, it's their fault.. 
when i finally reached out to supervisor of XXXX  dmv, she said that she already sent copy of my title to hyundai on XX/XX/XXXX. 
i have been driving expired title since XXXX XXXX and right now it's XX/XX/XXXX XXXX i financed my car through hyundai finance and pay it every month same day. i need a solution
Product: Mortgage

I have previously filed complaints about rushmore llc and this company does not respond to the issue at hand and my complaints are closed after the response from rushmore.I am enrolled in the state of new jersey erma program that pays the arrears to get mortgage caught up and assistance in keeping my home.The program has requested arrears payment amount and rushmore lllc continues to not provide this information in a timely basis.This is a predatory tactic to not accept payment either to foreclose or offer a high refinance option on which i had been denied several time through this mortgage servicer
Product: Debt collection

During the time was going thru treatment for XXXX XXXX in XXXX credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to third party agency who keep renewing the age of the debt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Experian has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : 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
Product: Debt collection

An account was opened with XXXX my social security number but under a different name and address ; I did not open this account, my information was stolen. I have attempted to dispute the debt with XXXX however XXXX has been sold another company so I have been unsuccessful at disputing with the company. The debt has been sent to collections. The account has been disputed with the credit bureaus and removed from my credit report multiple times but it continues to return under a different collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : DEPTEDNELNET  XXXX XX/XX/2018 ( Multiple Accounts Reported ) I am not sure how this happened, The late remarks started late 90 days right after a good payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed a drop in my credit score due to increased utilization, as indicated by an Experian alert. Upon reviewing my credit report, I found that a XXXXXXXX XXXX XXXX was added to my account on XX/XX/XXXX, with an open date listed as XX/XX/XXXX. However, I never opened or applied for this credit card, and I have only had one personal XXXX XXXX  XXXX, which this does not match. 

XXXX customer service identified the card as a XXXX XXXX XXXX but I did not authorize or apply for this account. Additionally, I was redirected to someone suggesting the account might be connected to XXXX XXXX  and a debt from XXXX. I do not recall having a XXXX XXXX  credit card, and it seems impossible to now appear as an account opened in XXXX. The representative informed me that this is most likely a system glitch due to the acquisition of XXXX XXXX. This is unacceptable. This should not be on my credit report. 

Summary of account details : Updated : XX/XX/XXXX Credit usage : 31 % Balance : {$4100.00} Account type : Credit Card Account number : XXXX Reported open date : XX/XX/XXXX I am disputing this account as it does not belong to me and appears to be incorrect. Please investigate and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

1 ) GM Financial- continues to be in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Also, Inaccurate reported late payments and billing errors. This account is in violation.

Under 15 US Code 1605 ( a ) - If a finance charge was included which is the sum of all payments, there should be no late payments on this account.

15 USC 1692 ( g ) - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS. This account must be deleted immediately. 

2 ) XXXX XXXX XXXX - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. 

XXXX XXXX XXXX - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 

XXXX XXXX XXXX XXXX Act # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/2024 became aware that my personal financial information was disclosed to XXXX XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit card

I have a JCPenny card. There is an XXXX XXXX XXXX policy attached to the card for XXXX a month. This payment was on a monthly schedule to pay the amount and the amount was paid. Without notice, the card was transferred to synchrony bank. Synchrony bank then applied a paper statement fee without notice. At the next automatic payment the XXXX fee left a balance causing an account incur additional fees ( XXXX XXXX XXXX of. $ XXXX {$100.00} ( XXXX ), another XXXX paper statement fee, late fee of XXXX and minimum interest charge of {$2.00} ). After electronically chatting with an online represent, they said that they would reverse all of the charges but they didn't. I moved the payment for the XXXX XXXX XXXX to another credit card as I suspect the company utilizes draconian business practices to make money and attempted to use the synchrony bank online portal to further manage the account but am now unable to do so as the website only allows me to make a payment.
Product: Checking or savings account

I opened this account with Chime because of their advertised 1 % interest rate for savings. Once opened, I began to transfer my savings to my new Chime account - an amount of {$33000.00} in total. On XX/XX/XXXX I received an email that they required information related to my deposits. I provided this information. I later received an email on XX/XX/XXXX that vaguely requested documents. I queried this email and asked for a list of documents that they needed to resolve the matter. They did not respond and my account was suspended on XX/XX/XXXX. 

I called on XX/XX/XXXX to follow up with them, since I had not heard back. On this call, they told me what documents they needed. These were sent on XX/XX/XXXX and they told me that I would have a response within 24-48 hours. I have not had a response since. 

I have made contact multiple times by email and phone. Every time I'm told that my case has been escalated and someone will get back to me in 24-48 hours, but this does not happen. I have provided all of the identification and documentation that they have requested in order to verify the account, but still I receive no reply. 

This company is now acting in bad faith and unnecessarily restricting access to my account and my funds.
Product: Credit card

This is an exact copy of the letter sent to PenFed Credit Union. This is in regards to PenFed Credit union credit card account XXXX. 

Earlier this year, there was questionable activity on another credit card. I called all my credit cards and put them on hold. When I went to pay my PenFed card the next moth, I could not access my account. I called, and was transferred to the fraud department. This very rude person that I have spoken to a half dozen times went through an identification verification process and told me they unlocked my account. They did not.

I can only call on days when I am not working, because I can not talk on the phone while I'm at work, and your customer service is closed before I go to work and after I get off work. Still, I have gone through that same process six times. I have gone through the entire identification verification process twice. I have called numerous more times than that. I have spoken to several different people in several different departments, none of who can figure out how to correct my account. I can not make payments online, I can not make payments over the phone. This has now been going on for months. 

I would like your company to figure out what is going on. I would like you to fix my online account so that I can access my account and make payments. I would like you to correct whatever is wrong with my account so that I can make payments over the phone. I would like all overdue fees to be forgiven, and I would like you to report to all three credit agencies that all delinquencies on my account are your fault and have those reports removed from my credit score. I would like my payments to resume as normal, with no late or overdue fees, because I have done my due diligence to resolve this issue and I have spent hours and hours on the phone with your company over dozens of phone calls trying to get this issue resolved. I would like you to tell me when this is resolved, because it is causing me mental duress to continue trying to resolve this week after week for months. I am a XXXXXXXX XXXX and as I have stated to your employees many times, my physical and mental health issues make this enormous amount of stress very difficult to handle.
Product: Debt collection

XXXX to XXXX years ago my husband did a flooring job and it was destroyed by other trades working in the home. The last judgement was the judge telling both my husband, the owner of the flooring company, and the customer to work it out in the hallway of the court. They came to an agreement and that was the end of it. It was a XXXX XXXX dollar agreement. 
We took care of my mother for XXXX years. She had Parkinsons and was in a wheelchair. Because I was physically destroyed after lifting my mother for XXXX years I was given her life insurance of XXXX XXXX dollars. My mother passed away, the insurance deposited the check and the second it went in the bank account, XXXX XXXX XXXX  XXXX  to the entire XXXX XXXX dollars out of the bank. We didnt owe anyone money so it took several days to find who and why the money was taken out. We called the debt collector and they said tough luck for us. They said there wasnt anything we could do. 
I tried to XXXX XXXX. I was so shocked I couldnt get out bed for over a year. We are people that planned on that for the only retirement we would have. Leaving no money in the bank everything began to bounce and it overdrew our bank account XXXX XXXX dollars. We had to sell our belongings to pay the rent and keep the car. 
What a world we live in. Mind blowing fraud but we had No defense.
Product: Mortgage

Greetings! 

On XX/XX/2020 I was introduced and working with XXXX XXXX from the Bank of America from the Bank of America Mortgage Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I was offered a rate of 3.5 % 30 year fixed with 0 points. I completed my application in the Bank of America Mortgage Navigator and provided pertinent information. The rate was locked and loaded on XX/XX/2020 according to the loan officer XXXX XXXX. 

I was also assigned to a mortgage loan coordinator by the name of XXXX XXXX NMLS ID # XXXX. 

Subsequent to that my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX went through an appraisal/inspection for which I was billed {$630.00} in total. 

The loan was approved through an email from XXXX XXXX. 

However- after months of wrangling and chasing both XXXX and XXXX they either never responded to my emails/texts/calls or they would give me an update that BOA was working on the price books ( whatever that meant ). 

One fine day in XXXX I noticed that my loan application entirely disappeared from the Mortgage Navigator in the BOA website/portal. 

As always tried reaching out to BOA/XXXX to no avail. 

I am attaching the text messages between XXXX and me for your perusal and action. 

This unethical action from BOA has not only cost me monetary losses but also time and effort. 
Notwithstanding the fact that I could have gone with another lender and close my refi in 30-45 days and be paying a lower monthly installment. 

I am talking to other folks to determine what legal recourse I have ; this is a first step in that direction. 

Please feel free to reach out to me for any questions. 
This unethical behavior and extremely unprofessional act from Bank of America should not go unpunished. 

Thank you for looking into this. 

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

To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX XXXX pulled my credit reports without my authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I fully expect these to be removed from the XXXX main credit reporting agencies of Transunion, XXXX, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.
Product: Debt collection

I have advised creditor of a chapter XXXX bankruptcy over a year ago and to please cease contact they still continue to call and threaten legal action is being pursued
Product: Checking or savings account

Here are the problems as follow : 1. The first problem is involving a transaction from an ATM on XX/XX/XXXX there are " two '' withdraws for {$400.00} this is not possible to happen as the maximum amount that can be withdrawn is XXXX per day. I have wasted hours of my time on hold with customer service representatives. 

On XX/XX/XXXX I also followed a complaint with the XXXX and they refused to even respond to my complaint in writing. 

2. There is a deficiency between the amounts deposited and the amounts debited from the beginning of the account to now. I am requesting an audit of my account. It doesn't take a lot of perspicacity or ratiocination to realize that Huntington Bank has what I would call rather questionable and unsavory business practices and I am sure I am not the only one that is experiencing these recesses in fair business practices and sound judgement. When a person comes to a bank they expect the bank to have some level of integrity and good faith. Perhaps my expectations of Hunington Bank are not realistic, non the same I am 3. I was given an inducement to open the account but what I was given was not the promised amount and then I got a 1099-INT that this was interest income and it is not this is misfiled and inappropriate.

4. I am requesting an accounting be made of my account as the deposits and withdraws do not balance from the accounts beginning to end. 

****I do have pictures but i was unable to upload them but you can text me at XXXX XXXX XXXX and I can text them or I can email them if you send an email requesting them. 


Thank you for your time and consideration to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX