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

In XX/XX/year>, I went to a Chase branch to update my name due to marriage. The name was changed on my personal checking account, personal savings account, and joint checking account with my husband. I received new debit cards reflecting the new name and my new name was on my personal checking account statement. 

On XX/XX/year>, I went to print our joint account statements for the past 2 years for my XXXX green card removal of conditions application, and I noticed that my name had not been updated on our joint account statements. I messaged the bank through the Chase app 's secure message portal to report this, and I received a message back on XX/XX/XXXX telling me I needed to go into a branch to get this fixed. I went to a branch on XX/XX/XXXX to attempt to get this fixed. An associate and the manager of the branch both assisted on the internal computer system and via phone with Chase 's head office to attempt to fix the problem, since apparently this is a very uncommon issue that neither of them had seen before. Normally, updating a customer 's name will not exclude an update on the monthly statements. After about an hour, the branch manager gave me her card and told me she would call me with updates since the problem could not be fixed at the branch level. 

On XX/XX/XXXX, I received a return call with an update from the branch manager, stating that she had confirmed that the matter was escalated. I informed the manager again that I need my name to be updated on our joint statements as evidence foXXXX XXXX XXXX and asked if she could provide me with a letter saying that Chase had neglected to update my name and it was their error. She told me she could not provide this. 

On XX/XX/XXXX, I received a voicemail message from a representative named XXXX, calling from the Branch Complaint and Escalations Department. No further information was provided other than a confirmation number for my complaint. I received another call from XXXX on XX/XX/XXXX, which I answered. XXXX informed me that Chase is unwilling to retroactively generate statements with my married name on them and that they also can not provide me with documentation showing that I changed my name or that it should have been updated in their system. I asked again for a letter like the one I requested from the branch manager and that request was also denied. She told me that I will have future statements with my married name on them, and I informed her via telephone that this is insufficient and unacceptable considering my name should have been updated when I changed it at the branch early in the year. 

If this were a matter of personal preference, I would understand not wanting to go through with changing the name on the statements. However, the joint account statements are one of the most important pieces of evidence for XXXXXXXX XXXX. I have been a loyal Chase customer for many years and fulfilled my part of the deal to update my name when it legally changed. Chase is being intentionally negligent and causing harm to my immigration case by refusing to cooperate.
Product: Money transfer, virtual currency, or money service

I didn't know I was going to have to verify with my ID so when I sent XXXX to it when I did the online app it got restricted with my XXXX still in there until I get ID. I got ID finally and they still won't verify it. I have the paper that they give you before I get the real copy they don't accept that. It got escalated to the other department that's above them they denied it still. I done submitted so many times and still REJECTED!
Product: Debt collection

GOT THIS LETTER TODAY FROM : ANDREWS AND COX, P.C.DBA BLEECKER, BRODEY & ANDREWS XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX XXXX XXXX Our File Number XXXX Balance due as of date of this letter {$5000.00} XXXX XXXX the collections manager has already been informed SSR 79.4 Sections 207,452 ( b ) 459, and 462 ( f ) ( 42 U.S.C. 407, 652 ( b ) 659, and 662 ( f ) ) LEVY AND GARNISHMENT OF BENEFITS. Generally Social Security benefits are exempt from garnishment or other legal process, or from the operation of any bankruptcy or insolvency law Any harassment will be grounds for a complaint to the Consumer Financial Protection Bureau. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a new account for my business from citi for an XXXX XXXX card and was given a very low credit limit ( only {$4000.00} ). I called and asked why it was so low and they asked me if I wanted to raise my credit limit. I asked if they would pull my credit again and they said yes. I asked why because they had just pulled it and why they could not use the information from prior and they said that was not there policy. Now on to using this card I made a payment XX/XX/XXXX and they placed a hold until XX/XX/XXXX. I called and emailed numerous times because the payment was debited from my account next business day and they continued to say it was for security purposes to ensure funds went through. I had several vendors I had to pay for my business and luckily they were all very patient but it was stressful and frustrating. 

Because my credit limit is so low as l soon as the hold was removed I made a purchase and paid it off as soon as the hold was removed. This second payment was made XX/XX/XXXX and my credit limit was immediately refreshed. 

I again paid some more of my bills ( a {$4000.00} credit limit for my business is incredibly low and hard to deal with ) and made another payment XX/XX/XXXX. When I went to start paying bills again every transaction was declined. I called asking why my credit limit was refreshed and they said for security reasons yet another hold was placed on the account until XX/XX/XXXX. I can not pay the bills for my business when they hold my money like this. I asked the representative today ( XX/XX/XXXX ) why the hold was in place as the money has already been taken from my checking account and they just say for security purposes. The customer service is atrocious and these unfair business practices are causing me to default on payments for my business ( something I have NEVER done ). Please advise because there has to be some repercussions for citi/XXXX XXXX
Product: Checking or savings account

I had a merchant double charging my debit card consistently. As each double charge occurred I opened a claim with my banking institution. This institution decided my account was " risky '' due to the claims opened ( too many claims ) and closed my account immediately ; even though the claims were all resolved and noted that I'm not responsible for any of the double charges.
Product: Mortgage

I switched to another hazard insurance company in XX/XX/XXXX to lower my insurance premium but instead, my monthly mortgage payment went up due to incorrect escrow calculation. I repeatedly contacted my mortgage servicer, but each time they said that the escrow will be reviewed " soon '' and adjusted ( last escrow statement was XX/XX/XXXX ). I kept checking but no review was done even for the last qtr XXXX. Now it is XX/XX/XXXX and i have been paying the higher escrow amount all this time when it should have decreased. I tried calling the loan servicer again today XX/XX/XXXX but after 10 minutes waiting for my call to be picked up, I had to hang up.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My daughter XXXX sent money using XXXX that is available on USAA mobile app to a man name XXXX XXXX that was supposed to be selling a XXXX XXXX puppy on XX/XX/2021 in the amount totaling {$1600.00}. The seller appeared to be scammer and once he received the money he couldnt be contacted anymore. Trusting that usaa was allowing the use of XXXX on their usaa app platform we assumed that our money will be protected if we used XXXX. When we called usaa of the scammer issue they inform us that we might not be able to get our money back since we authorize the payment. I feel as a consumer that a big bank like USAA should only offer services that are protected or backed by their bank in case of these type of fraudulent activities. My daughter worked hard for her money and to be told that our bank for over 15 plus years cant protect her money from these scammers is a shame. I will be switching our bank soon as we feel betrayed. Thanks for reading. My name is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are credit reporting actions have been violated several times known as title 5 of the consumer credit protection at also Violation privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts, XXXX and Transunion will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because XXXX and Transunion have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX which has all the relevant details. 

XXXX and Transunion must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.
Product: Credit reporting or other personal consumer reports

My profile includes some inaccurate personal information please review the relevant documents that have my correct details
Product: Credit reporting or other personal consumer reports

I asked the consumer credit reporting agencies ( Experian, XXXX, XXXX ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

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

I am making a complaint against WELLS FARGO HOME MORTAGE COMPANY I have an open investigation with Wells Fargo Home Mortage Company who refuses to fix a error on their part I Filed a bankruptcy and wells fargo was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and WELLS FARGO REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
Product: Checking or savings account

XXXX. XX/XX/2023 I received text alert from XXXX regarding a deposit from someone i dont know. I imediately call My bank PNC. They advised me i have to wait until the transaction posts to return it, because it is XXXX. under pending. The bank would have the person who XXXX me info, i dont know the person so i can not reach out. Monday still pending, tuesday morning i try to send it back i get alert " service unavailable call PNC ''. I was then notified by PNC i have no access to use XXXX they reserve the right, i have no access to online banking, my direct deposit my money in frozen the investigation can take up to 30 days. My kid has XXXX and XXXX, im a XXXX XXXX  XXXX with no access to my money. This is illegal. How can thet just do this?
Product: Payday loan, title loan, or personal loan

There was a Notice and Demand for Payment opened XX/XX/2019 to recoup the exact value of the illegally collected debt in the amount of {$690.00}. It is accepted that XXXX Comenity Bank, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint complaint to you today to inform you that I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Fay Servicing LLC purchased my loan XX/XX/XXXX. After the initial letter about where to send the payments, I have not gotten any invoices or correspondence at all. I call them to see if I can get a balance or to see if the payment arrived and they inform me they " Can't talk to me because I am bankrupt '' I inform them my case was closed over 5 years ago. I have told this to at least 8 " account managers '' They all promise to " Change the system ''. I call and call for 2 years to no avail. I send emails. They never respond. They say " we can only speak with your attorney '' I don't have an attorney as the case was closed over 5 years ago. I keep telling them the same thing over and over. They put me on hold for 30 minutes at a time while waiting to " talk to their manager ''. I call customer service who promptly gives me a lecture about bankruptcy. I tell them the case closed over 5 years ago. Then they put me on extended hold again.
Product: Mortgage

Was late on my XX/XX/2020 mortgage payment due to the result of financial hardship due to the Coronavirus. Was able to pay the total amount on XX/XX/2020 which was 34 days after the payment was due. I have made 27 consecutive online payments and happened to miss this one due to the pandemic. I reached out on XX/XX/2020 when I was notified the penalty went against my credit report asking Freedom Mortgage for a Goodwill Adjustment. Multiple supervisors proceeded to tell me that it was against the law to offer this yet I am reading information that says otherwise. With the CARES Act I have filed for loan forbearance and was hoping to have the remark waived due to the dire circumstances. It is not fair that the Government has decided to shut us all down from work, fumbled the unemployment payments, yet allow our bank lenders who received huge bailouts to still hound us and mark our credit scores. Our scores should actually be frozen until this all resolves in all honesty.
Product: Debt collection

I don't owe the amount that is reported as {$8700.00} charged off. I requested documents to substantiate the amount that Santander is claiming they are owed and I never received any written response with the itemization. 

RE : Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 7 Balance {$8700.00} Date Opened XX/XX/XXXX Amount Past Due {$8700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 80 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$15.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

My father took my social and opened accounts in my name. I am not sure what he did with it, but all i am sure of is that he opened a premier bank account in my name but with his email address. My only proof is a piece of mail with all the info including the email and name he used for the account. I do not have this piece of mail with me right now because all my mail is sent to my grandmas. I was XXXX for a while with my younder siblings. He applied for a credit card and maxed it out. I am XXXX I have never opened an account until not even a week ago, and the banker told me theres are multiple accounts in my name that i never made. I forgot two of what she listed but i know here is a XXXX account and XXXX XXXX  account in my name that I didnt make. I JUST made a XXXX XXXX account but thats it. Everything else in my name was not me. Both my parents are XXXX XXXX XXXX and became XXXX during covid right around my XXXX birthday late 2020. I am lost and dont know what to do, but I want this cleared up so I can get a home myself.