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

They suspended my account because I was receiving chime to chime payments and adding money from my XXXX They said it goes against their policy. This happened XXXX XXXX XXXX. I asked to get my money thats on my account and they refused. I was asked to send documents for no reason about my own account. Chime refused to give me my funds and still suspended my account for no reason at all. Transferring money should not go against any policy
Product: Credit card or prepaid card

I was given a {$100.00} Visa Prepaid Card as a XXXX gift. The card was purchased by the Grantor on XX/XX/XXXX. I did not open the card until XX/XX/XXXX. When I called to activate the card, I was told that it was expired and they would need to send me another card. Then the woman on the phone asked me how I wanted the fees to be charged, {$1.00} per purchase or other fees as she stated. I told her I didn't want to choose a fee plan, that I intended to make a purchase today and spend the whole amount. She said that there were already fees charged to the card for each month that I did not use it. The charges came to {$41.00} on a {$100.00} balance!!!! When I received the replacement card in the mail, I tried to call the company to complain about the fees and request a refund, but the voicemail doesn't give you the option to speak with a representative and it disconnects you. I went to their website, but could not find any contact information or address to send my complaint. www.netspend.com
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2018, THIS COMPANY PLACED A LIEN ON MY SAVINGS ACCOUNT AND TOOK APPROXIMATELY {$2500.00} WITHOUT PROVIDING ME WITH NOTICE. I specifically stated in writing that the account listed on my report was NOT A VERIFIED account by the creditor. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACT that I signed with said creditor. I have NOT been sent any information by this creditor that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. I'M PLEADING WITH YOU FOR SOME HELP! THEY ALREADY TOOK MY MONEY, AT LEAST REPORT IT POSITIVE ON MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I paid my XXXX credit card balance, as reflected in the attached account statement and screenshot of the transaction. However, XXXX reported an incorrect balance before the end of the billing period because XX/XX/year>, was a non-business day. This unfairly impacted my credit history by showing a balance that was already paid. Please review the attached documents to verify the payment and correct the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this complaint with chexsystems, there is over 39 inquiries tgat are fraudulent on my credit reprot they need to be removed, i did not check my credit and these were done by someone using mg information to check my credit, i am a victim if identity theft, i wll tkse screen shots of this reprot and send them to chexsystems, all 39 of inquiries needs to he talking off, this identity theft report is a police report, i do XXXX a law firm hired to clear this up if this is not done by chexsystems at my request i will turn this over and let them file a lawsuit because chexsystems has ignored my request and the evidence to show im a victim of identity theft and i wmat these inquiries roved asap, my information was leaked on the dark web where it was compromised, I want all 39 of these fraudulent inquiries removed from my report as I did not check my credit at all and I want this matter to be done by chexsystems, I have been ignored and Im tired of it, I spoke with my attorney and two investigators this identity theft report is the same as a police report, please take care of this thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial , Inc. has failed to remove their account completely from my XXXX Credit Report per Amended Final Approved Order issued by the Court of XXXX XXXX, XXXX pursuant to Class Action Settlement in Case No. XXXX. I am an identified member of the Nationwide Class under this order, and on Pages 7-8 ( copy attached ) of the Order it stipulates that Ally waives any deficiency balances as a result of a repossession under the case terms ( which mine was ) and will DELETE any trade lines reported to CRA 's XXXX It appears that they have removed it from XXXX and XXXX, but have not removed it in its entirety from XXXX. I am currently in the process of purchasing a home, and this account still showing on my credit report is causing issues with my loan approval that I am on a deadline with the builder to submit to avoid losing {$5000.00} deposit by not meeting the terms of the loan approval deadline. Thus, this is an URGENT matter that this be corrected immediately by Ally. Time is of the essence. I am encountering significant damages to my credit score from XXXX as a result of this account still showing on my credit report with them. Please have this removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau Is processing a reinvestigate after the 30 days has ended. The 30 days ended XX/XX/XXXX after the company received my letter XX/XX/XXXX. Equifax/Equifax credit bureau claimed they reinvestigated and it came back verified the first time after they contacted the companies ( furnishers ). However it took Equifax/Equifax credit bureau took longer than 30 days to reinvestigate and I was not notified until I filed complaint XXXX ( and several other complaints including XXXX ) and Equifax/Equifax credit bureau replied XX/XX/XXXX, 9 days after the 30 days. Equifax/Equifax credit bureau is in violation of 15 USC 1681i . I didnt dispute anything, I was informing them it was past the 30 days and to delete the accounts according to 15 usc 1681i. They wrote back and marked on my consumer report stating they are reinvestigating the same accounts again. Attached is the letter was the same accounts listed and the response to my CFPB complaint that the company stated was verified already.
Product: Checking or savings account

Checking and savings accounts were opened with my Social security number, name, address with Huntington National Bank in Ohio. Several letters and a debit card arrived at my home address on the same day XX/XX/2021. Huntington has contacted their fraud dept. I have contacted all 3 credit bureaus to flag my social for fraud. I contacted all financial institutions I do business with.
Product: Mortgage

Please be advised that I refinanced my home through XXXX XXXX XXXX XXXX with their representative XXXX XXXX and XXXX XXXX the attorney representing Home Point Financial, the new lender. It has come to my attention that the loan pay off funds payable to XXXX XXXX XXXX fraudulently was misdirected to an account controlled and owned by XXXX XXXX XXXX and or XXXX XXXX called XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX. 
This fraud has resulted now in their existing two competing mortgages on my property. I have been told by the title company XXXX XXXX XXXX that XXXX XXXX XXXX needs to put forth an immediate title claim as their existing lenders. 
But XXXX XXXX XXXX refused to put in a claim stating that Home Point Financial who did the refinanced would have to put in a claim, which XXXX have contacted Home Point also and have requested Home point to file a claim. But Home Point Financial refused to put in a claim as well.
Product: Money transfer, virtual currency, or money service

Multiple times I've tried to transfer money from my venmo account onto my debit card. I ended up emailing them and they said the problem was I was either using a fake name or to do a bank transfer instead of a card transfer. But then I try adding my bank to my venmo account, it gives me an " error '' page. I click add bank, then I click the bank button, then it says " Sorry, an error occurred. 
Our development team has been alerted and we are working hard to make sure this doesn't happen again. '' It's been saying that for over 3 months now. 
All I want is a way to get my money I have on the account, into my bank. But they're very flakey and give vague answers or barely even pay attention to my emails or don't even care enough to find a solution for me.
Product: Credit reporting or other personal consumer reports

I have written the CFPB due to inaccuracies on my credit report and not only was it not helpful the creditors illegally updated each and every account with new delinquency dates, another 7 years were added on and now I'm being harassed constantly through text messages and emails from these creditors.
Product: Credit reporting or other personal consumer reports

The bankruptcy dated XX/XX/XXXX does not belong to me. The bankruptcy date XX/XX/XXXX does belong to me but it was discharged in XXXX New Jersey not XXXX XXXX XXXX as they are reporting inaccurate information
Product: Student loan

The school gave my son XXXX degrees after extending his classes for an extra year and extra charges for classes. It took him so long he was unable to use his computer degrees for a job because his classes were out dated. They were loans and he was only able to get a job at except at XXXX for minimum wage and part time. They have called our home phone and he does not live here, which I told them. They called my daughter who has a different last name and my son-in-laws cell phone. They call us daily several times using different numbers. No one gave them any information. I 'm tired of this harassment. Please help us. The numbers are : XXXX or XXXX
Product: Debt collection

I discovered this collection on my account so I call the agency to ask questions and dispute the collection. So far I have called XXXX twice about the matter to resolve it. They have not done anything to help they said they would send out a fraud packet to fill out and they would remove it. So far all they have done is send me a bill. I sent a written letter asking them for verification of debt and validation of claim but no luck. Please help
Product: Debt collection

I was never contacted from XXXX or Bay Area Credit Services, I contacted them, after receiving a alert from the crediting monitoring service because of having identity theft and fraud on my credit. I immediately notified the company XXXX ( XXXX XXXX XXXX ) billing department. I was quoted an address and phone number that was over 17 years outdated not being mine. I informed them that I had used the ambulance service back approximately XXXX/2016 and I had insurance with XXXX and XXXX that should have paid 100 percent if they were billed correctly by XXXX. The billing department confirmed with me they had the wrong information although I was picked up at my home in XXXX XXXX that some how they were sending the bill to an address in XXXX and their information was 17 years outdated. So I was not notified of the debt nor did they billed all the insurances XXXX and XXXX. I was told to work with the collection agency by the person on the phone with XXXX. I informed her that she should pull the debt back since it was their error for sending the bill to the wrong place even though the driver of the ambulance was given all my right information and all my insurances to bill at the time of service. She informed me that she would try, but I have no faith that it will be followed through with based on them making such a huge mistake in the first place. They offered very little help to me.
Product: Bank account or service

I was a very happy member of Navy Federal Credit Union with 3 open accounts ; an " EveryDay '' Checking account, a " Share '' Savings account, and a vehicle loan account. I was laid off from my job, moved and attempted to contact NFCU to apply for a hardship for my account in order to not loss my truck and/or my accounts with NFCU. I made payments on my vehicle loan as often as I was able, if I had an extra {$100.00} then I would immediately transfer {$100.00} to the loan account. Suddenly, and without any notice from NFCU my account was suddenly locked and I was unable to make any payments to my loan account or attempt to add funds to my checking account. After attempting to contact NFCU, without success, my account turned over to a collection agency that harassed me with threating phone calls. Each time I was yelled at by the Collection Agency I attempted to ask for a contact person representing NFCU in order to settle the matter with NFCU directly. My vehicle loan account was still open, and I was still making payments to that account the entire time I was dealing with the collection agency. I am now trying to get my checking account back in good standing and they continue to dodge every call.
Product: Payday loan, title loan, personal loan, or advance loan

We have an XXXX XXXX with a fixed interest rate of 3.75 % with Capital One Bank. In XXXX of XXXX, the interest rate began to climb higher, ending XXXX at an interest rate of 8.0 %. The interest rate continued to climb until XXXX of XXXX when they must have discovered their mistake. In XXXX of XXXX we received a statement reflecting a {$12000.00} credit, and showing XXXX payments being reversed out and charged again. In the beginning months of XXXX I contacted Capital One and requested a full accounting of how the credit was figured, and showing the new interest charges as they should have been and inquiring if we have been credited for XXXX 's overcharges. I emailed back and forth with XXXX XXXX who eventually stopped answering my emails. I then spoke with at least two customer service agents who promised to escalate the issue for me. 
Then we received a call from the new Capital One representative who was now being assigned to our account. I explained to him our situation, and he promised to look into it for us and resolve our issue, however, we have not heard back from him again.
Product: Debt collection

Im trying to buy a house. Upon the loan application a debt i didnt know i had or ever received information stopped me from getting the loan. I tried to reach out to sequium asset collection s numerous times calling them and i never get a live person. It asks to leave a message that never gets returned. Ive sent emails to no avail as well. My family needs this loan to better our home as we are a growing family. The debt is XXXX XXXX I can easily pay it. They are making this a nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor First Progress Card sent me a letter stating that it was being removed. and as of XX/XX/XXXX, FIRST CREDIRT PROGRESS WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND XXXX  IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN XXXX  DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.
Product: Mortgage

In 2016, My wife and I were discharged from Bankruptcy chapter XXXX which included the debt on the home we were living in. The house was supposed to be auctioned off, and sold. This however, has never happened, and still is showing at the county that we own the property. We can not purchase another home until this property is off of my record at the county. I do NOT need credit adjustment, just it foreclosed  on, so I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022, I sent Experian and XXXX letters to dispute inaccurate information on my credit report and demanding verifiable proof that they have on file. Once 30 days went by, and I realized I did not receive any proof that I requested and those negative items were still showing up on my report, I decided to submit this complaint. On XXXX/XXXX/2022, I also sent a letter to the above mentioned bureaus letting them know that I did not receive a response as requested and that I would be submitting a complaint to the FTC. Please see the accounts listed below : - XXXX  Account Number : XXXX - XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

I have been disputing this item know as XXXX  XXXX with a balance of {$210.00} over a year now and it's still coming back as accurate I know this is not true remove this from my credit report it's affecting my score I can't take out a mortgage to buy a new home because of this tradeline.
Product: Vehicle loan or lease

I XXXXXXXX XXXX XXXX I was told by XXXX  Acceptance that I needed to make XXXX car payments in XXXX, and XXXX car payments in XXXX to bring the account current, and XXXX the vehicle from being repossessed. Which I did. On XX/XX/2023, I went online to make a payment of XXXX and the online system declined my payment. I sent an email to the representative I had communicated with in XXXX to let her know my payment wasnt being accepted. There was no response. I attempted again on XX/XX/XXXX, and the system again declined my payment. On XX/XX/XXXX, I telephoned and the representative stated she was unable to see an account for me. She transferred me to another department and they informed me that my account has been in repossession status since XXXX and that I needed to make a payment of {XXXX to keep my vehicle. I explained that I had made XXXX payments between XXXX and XXXX and could only afford XXXX months payment at the time and was told that was unacceptable. The representative then went on to belittle me and tell me it is not the companys responsibility to help me manage my account. I explained that I understood that and he continued, telling me to calm down and stop yelling and over talking him or he would end the call. I ended the call as it was a moot point to continue the conversation since I did not have XXXX to pay. 
This situation is causing me great stress. I am finally on my feet financially since losing my job before the pandemic and this sub prime lender is taking advantage. I can not refinance the vehicle as the balance is XXXX  and the blue book is XXXX If they would like the vehicle, I will turn it in. However, the condition would be that payments received to date would bring the balance to XXXX paid in XXXX and not attempt to collect the outstanding balance would be attempted. I also would like all reports regarding this vehicle removed as it is illegal to report me to any credit reporting agency or bureau since they are not a subsidiary of XXXX according to the XXXX XXXX XXXX XXXX. I would also like an itemized statement of my account to show payments and fees.
Product: Mortgage

I contacted Ditech in XX/XX/XXXX after receiving my monthly mortgage statement. I called their XXXX number and sat on hold for a half hour.
I spoke to a rep named XXXX and requested information so I could start paying my mortgage every other week. She said she would immediately email me a form and that I needed to fax it back them. We hung up. I checked my email. Nothing. I tried calling back a few times, but always got placed on hold. I do n't have time to sit on hold for something this stupid and easy. I emailed their customer service department a week later with subject line " COMPLAINT. '' It has been almost two weeks and I have gotten ZERO response.
Product: Credit reporting or other personal consumer reports

Portfolio recovery XXXX $ XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to XXXX to have them removed immediately as I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Experian responded and stated that the account was verified. I have not been able to get in contact with the company so please provide with whom you spoke with and their contact information. Also, please provide the sufficient documentation regarding account XXXX XXXX ( XXXX XXXX XXXX ). If you can not provide this information then remove this account from my credit report immediately. Please see the attached credit report showing that this account is paid.
Product: Credit card

A little less than a month ago, I signed up for a Best Buy Citibank Visa credit Card, and I was approved. This morning i tried to get a cash advance, so I called in. Citibank said it was perfectly fine, but i was declined twice ( which was their fault, i was given false information ). I then call back and they " activate '' cash advances which apprently were deactivated prior to this call. I was then able to get my advance. However, due to the repeated declines, citibank has deactivated my card. Here is where he problem comes in. I called in to reactivate it, and they refuse. They ask for my phone number, and i give it. They then tell me " that phone is not under your name, it can not be verified. '' That is completely false, this cell phone number is under my name and has been like that for 3 years. I live alone and only have a cell phone, so there is no other way for me to verify my account to their XXXX satisfaction. I need help because I live in florida and just went through hurricane XXXX and i am in dire need of this card, as i am low on cash because of the storm. This is completely their fault, as my card has been deactivated due to their careless employees feeding me false information. Furthermore, it is their fault that my number can not be verified as well because my phone is and always has been under my name, and I have no other phone to contact them with.