23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was fined {$70.00} in overdraft fees for XXXX payments. The payments were reordered in such a way that I was charged XXXX fees, even though there was enough money in the account to clear XXXX payment. second, I had {$4500.00} in deposits come in the next day ; those payments were supposed to come in on the XXXX but instead were posted the XXXX, which is what made my checks totaling {$1500.00} bounce on the XXXX. I contacted Bank of America multiple times and they refused to revisit the fees, even telling me that they purposely reorder payments from high to low despite stating publicly that they stopped doing that in 2013. I was directed to the depositor agreement, which merely states that they have discretion to order however they want, it does not say they order from high to low. They further started that i am not entitled to a copy of the recording of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a holder of 2 XXXX XXXX Credit Cards. One was a XXXX XXXX  Credit Card that I had for 23 years, the second a XXXX Card. Last XX/XX/XXXX my sister was involved in a very severed car accident and nearly died. At the time I spent several weeks at the hospital attending to her. When I realized that on the XXXX XXXX XXXX account which the terms are pay the full balance at the due date, I missed my XXXX payment with XXXX XXXX and was getting close to the 30 day past due mark, which would affect my credit report. I called the customer service line and I explained the situation that I was involved in, asking for either and extension or a payment plan, as long as I did not have to worry about my credit reporting getting affected, otherwise I could borrow the money from a family member and take care of it. The customer service rep from XXXX XXXX assured me that my credit report would not get affected and in fact I could schedule payments but to try to pay it as quickly as possible. At the time of the call near the end of XXXX XXXX, my balance was nearly {$4500.00}, I advised to him that I could pay {$1000.00} and break the difference in 2 more payment for the next 60 days, with the undersanding that my credit report would not be affected. He insisted that as a good faith I should make a payment for {$1500.00} and make the second payment a small one of {$500.00} to be in the safe side. and the rest could happen after. I agreed on his proposal and went ahead on scheduling 2 payments over the phone for {$1500.00} around XX/XX/XXXX and {$500.00} on XX/XX/XXXX. the difference would be paid in XX/XX/XXXX. Which I did on XX/XX/XXXX were I paid {$2600.00}. A month later I get notified by a credit report alert that not only XXXX XXXX hit my account with a 30 day late payment they also hit it with a 60 day late payment causing my credit score to crash. I called at least 5 times during the month of XXXX, spent several hours, escalated the issue to have those late payments removed from my credit report and was assured in each call that they would look for the recordings and get back to me after an investigation but never did. Time after time, the next call was to report that no one from XXXX XXXX got back to me with the findings of their investigations, and the next call became a new investigation wihtout a resolution. After a year has passed I have called again and their answer was the probably I spoke to customer service representatives located out of the US, and probably they dont understand our laws and that nothing cant be done to over turn the reporting they provided to the credit bureaus. At this time I am reaching out to you to help me try to rectify this injustice about how XXXX XXXX conducts business and how they mislead their customers into believing that everything will be fine as long as we work together. I need those 2 marks remove from my credit report as it is affecting my chances to secure financing for my first home. Please advise as what do I need to do. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute to Experian regarding multiple inaccuracies in my credit report related to accounts under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. The total balance, payment histories, account status, and remarks have been inconsistently reported across Experian, XXXX, and XXXX. 

Some actions I took to address this issue include : Reviewing the credit report and identifying discrepancies across the accounts in question, including balance inconsistencies, conflicting payment statuses, and discrepancies in account activity dates. 
Issuing a dispute letter to Experian, detailing the specific inaccuracies in each account and citing my rights under the Fair Credit Reporting Act ( FCRA ) to demand an investigation and resolution. 
Requesting that Experian validate and verify the information, along with the names and contact details of individuals responsible for certifying the accuracy of the data. 
The amounts in question include discrepancies such as a balance of {$290.00} reported by XXXX, while Experian listed the balance as {$0.00}. The discrepancies span across multiple accounts with varying amounts reported by different credit bureaus, which jeopardize the accuracy of my credit profile. 

I request that these companies review and correct these discrepancies as per the FCRA guidelines to ensure accuracy in the reporting process. Please provide me with the outcome of the investigation and any necessary corrections. 

Thank you for addressing this issue promptly.
Product: Checking or savings account

XX/XX/XXXX I sent 2 XXXX transactions from my checking account with PNC BANK to XXXX XXXX. XX/XX/XXXX I sent 2 XXXX transactions from the same account to XXXX XXXX. These were for first months rent, deposit and fees for an apartment rental advertising on XXXX XXXX. On date agreed to sign rental agreement and pick up keys, I discovered property manager and owner stated was fraud and I had been scammed. 
I am low income, social security based, XXXX woman with a service animal. This has been a XXXX dollar scam of which I was assured by the bank initially would be reimbursed. I filed a police report. I have been denied reimbursement from the financial institution twice and been targeted by more charges against my checking account.
Product: Credit card

On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay Card as part of a Wyndham time-share program I purchased. The Barclay VISA credit card was used for the down payment. The terms of the Barclay agreement I received that day said 0 % APR for balance xfers for 45 days after opening account. When I received the credit card about two weeks later in the mail, the balance xfer terms were 0 % APR for 0 days after opening account. The online account also says 0 % APR for 0 days after opening the account. This is an error I would like to get fixed.
Product: Credit card or prepaid card

I had the correct amount on my card. I made a purchase and it was pending due to the merchant. Somehow, they placed a negative balance of {$21.00} on my account. They claim it was due to the other company. I do not agree with why my account is in the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the following lit of accounts below as violated my federally protected consumer rights privacy confidentiality under. 15. USC 1681 uner 15 USC 1681 sec. 602 ( A ). 15 USC 1681 sec 604 ( A ). 15 USC 1681 ( A ), ( 5 ). 15 USC 1681 sec 2 ( A ) ( 1 ).. I would like these accts removed from my credit report immediatley and any other accts not listed alon with all 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
Product: Credit reporting

My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, XXXX, XXXX, TransUnion with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Product: Checking or savings account

On XX/XX/2022 we received a Fraud Alert email from Citibank stating that they noticed suspicious activity on our Debit Card. I immediately called and learned they were alerted to three simultaneous ATM withdrawals from our bank account, in the amounts of {$85.00}, {$85.00} and {$84.00}. All were made at a XXXX XXXX XXXX XXXX, in XXXX California on XX/XX/2022, at the same time. 

I informed the Citi fraud representative that the ATM charges were NOT made by us ( my wife is a joint account holder ) and we had not been to XXXX CA. Its 75 miles from our home. After 41 minutes of answering their questions they said they would investigate our claim and assigned case Number XXXX. 

On XX/XX/XXXX we received an email from Citi that our fraud claim was declined. They said it was declined because we had possession of our cards, which is true. The cards have never been out of our sight for any reason. 

I insisted on appealing their denial of our case and asked for clarification as to why our fraud claim was declined. The Citi fraud representative told me all we could do is refile our claim. So we refiled a new claim on XX/XX/XXXX, case Number XXXX with the same information as the first claim. 

We have been customers of Citi for 26 years in good standing. We take pride in our perfect credit history and are on very solid financial grounds. We would not create fictitious fraud claims for any reason. 

Citibank is not taking us seriously when we give them our assurance that we did not make the three charges at the XXXX XXXXXXXX XXXX
Product: Mortgage

NewRez is still charging me PMI after they agreed to cancel it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX : Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts which has been reported by XXXXXXXX XXXX and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXXXXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.
Product: Checking or savings account

Woke up this morning XX/XX/year> to a frozen bank account with sofi, it said to call XXXX. They did not provide a reason why my account has been frozen, nor how long it would be frozen and would not connect me to someone who could explain this information to me. I realized it was frozen when I tried to pay my utilities bill today and could not do so despite having the funds. Additionally I have tried opening an investment account with sofi and transferred a small amount to my investments, to find that they had charged a return fee every time I had added funds despite having much more than what I had deposited into my investment account and withdrawing the money I invested with it never returning to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX XXXX XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well , I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Mortgage

on XX/XX/2021 my mortgage was sold to BSI financial i was in the process of a loan modification due to XXXX forbearance. I had signed and sent back my modification to XXXX XXXX XXXX  and received back the signed legal documentation of the agreement that it was complete. During this process my mortgage was sold. I kept making my agreed upon payments to BSI. Then I received notification that I was owed money on the account due to ( covid forbearance ) and was never told that my monthly payments were not going towards my principle but money i owed that i didn't know i owed ( Wich is why I'm having issues with modification ). I called them and explained I had a modification with previous company they claim XXXX XXXX never sent the paperwork, so I Emailed it to BSI then they proceed to tell me after BSI reviewed the modification its invalid and they won't accept it. I was never notified by BSI financial of any issues when they took control of my mortgage or that we would come up with a new modification BSI decided on their own to send me a modification that was incomplete and gave me a higher interest rate and brought my payments up {$400.00} dollars and the paperwork was incomplete the escrow wasn't included in the monthly payment. After trying to contact them endless amounts of times via email and phone calls leaving countless messages and no call backs finally got XXXX with BSI they said they could work with me and bring the payments down which to no surprise it didn't was the same thing trying to call and speak to someone is impossible now I'm in danger of foreclosure. this company doesn't want to work with people they just want to put them out of a home. I would like to note that I've been researching them and there has been lawsuits against them for not honoring modifications that were agreed upon from previouse mortgage companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EDFinancial LLC is reporting to XXXX an adverse, derogatory credit item of a student loan that they are the servicer of. I have never had EDFinancial as a servicer. The information of my being the borrower of said credit item is fictitious and has been placed to harm my credit standing. I demand strict proof from EDFinancial that their account with them is my responsibility.
Product: Credit reporting

I have disputed information on my report and am unable to validate this information because Equifax has not provided the correct address for these accounts on my credit report. Attached copy of my credit report shows the address they provided. Also attached is a copy of the letter I sent to this account attempting to validate this debt. The letter has been 'returned to sender ' so I am unable to confirm this account is actually mine.
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.
Product: Debt collection

I XXXX XXXX believe that my name is being wrongfully circulated through a debt pool operation. The attempt to collect on a debt that was discharged almost a decade ago, is still being circulated among debt collection agencies. The MCM company attached shows a debt that not only is to old to collect on, but has already been removed from my credit report based on FCRA guidelines. Accordingly, I demand that my name be purged from this collection agency immediately, and that if any reference was reported to the XXXX credit reporting agencies, that a letter of removal be submitted immediately as well. DELETE MY NAME FROM ALL FUTURE COLLECTION ACTIVITY!!!
Product: Credit card

Refused to change address and mail statements to correct issue. Thier only resolution was for me to go inside a branch and verify my identity in person. After explaining due to a handicap that would not be possible, they insisted the only way to verify my identity was to go inside and prove it. Instead I faxed them my birth certificate, ID card, Social Security card, and billing statement. They continued to refuse to update my address, and blocked all online access permitting me to see balances. and blocked online banking so I can not make payments. They would not give me the account balance when I called in, because I was not " verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are XXXX others accounts. XXXX was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit card or prepaid card

I did nice balance transfer offer w/ Citi about yr ago.

A few months back, was mailed limited offer of 5 % rebate on car rental/gas/hotels ending XX/XX/XXXX. While activating asked on phone if changed my 0 % rate -- No.

I bought gas a week ago, saw interest charge ( no normal pay by/due date? ) -- so used chat. Maddening. I must pay it off NOW to avoid interest. I will close the card once payment goes through. Very dishonest, maybe just inept. CROOKED.
Product: Credit card or prepaid card

Applied for a XXXX membership and the XXXX employee suggested that I apply for a Citi credit card.I applied and was denied went on the Citi web site and was unable to find out why I was denied.Also was never able to reach their customer service phone line to get an answer.Later I found out that it was do a collection action which is an illegal transaction.I have filed a CFPB complaint on both the debtor and the collection agency.Filed a dispute letter with XXXX XXXX XXXX investigate the complaint and removed the collection action from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference  # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX