23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Me and wife are joint account holders on Discover credit since XXXX with my wife XXXX XXXX being primary card holder. We had signed up for automatic full payment from our bank account. We were supposed to get new credit card in XXXX/XX/XX/XXXX which we never received. In XXXX we received huge number of fraudulent charges from out of state amount to more than XXXX. We called customer service, reported we never received card and reported the fraud charges. Please note we typically do not charge more than $ XXXX {$2000.00} on this card per month. To our amazement, discover still pulled about XXXX from our bank account on XX/XX/XXXX. When I called again, I found out they had not flagged all the transactions that I reported earlier as fraudulent. I requested the statements to be mailed so that can again pin point what transactions are still fraudulent. Upon receving the statement I called again and very specifically pointed what were fraud and what are legitimate. After about a month I called again to request refund of the overpayment that was showing as negative balance ( little over XXXX ). I was told request has been made and since amount is more than XXXX it will require couple of weeks for approvals. More than 2 weeks passed so I called customer service again today on XX/XX/XXXX. Customer service forwarded to fraud prevention who then forwarded me to investigation department. I spoke to lady named XXXX who said since matter is still under investigation, they can't issue refund. I told her I had reported those as unauthorised charges before the statement was generated and that they should have never pulled from my bank account to begin with because accordign to our card holder agreement we do not have to pay disputed charges till investigation is complete. They already violated the agreement by pulling the money and now they are delaying the refund. When I said that XXXX said I am not the primary card holder and that she will need to speak to my wife. So I called my wife at work and conferenced her in. Then she said she can't trust because she did not initiate the call. I then told her then to call her directly. She agreed however according to my wife she never called her again. This is not only poor customer service but violation of card holder agreement and unauthorized debit from my bank account. I thought of calling again and speaking to a supervisor. Upon explaining the whole situation, supervisor still said the same thing that they can ; t refund till investigation is complete. Clearly she did not understand the issue here. DISCOVER should have never pulled payment from my account when fraud was reported, now I have been out of money for nearly 4-5 months on fraudulent charges that credit card issuer is supposed to protect us. This matter needs to be investigated because it clearly does not seem to be right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN MY POLICE REPORT AND FTC REPORT ABOUT THESE FRAUDULENT INQUIRIES. HERE THEY ARE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the previous Complaint to remove the fraudulent items. I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit reporting act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.
Product: Credit reporting or other personal consumer reports

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report. 
**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX {$8400.00}
Product: Payday loan, title loan, personal loan, or advance loan

I went to the location on XXXX and XXXX XXXX Florida to XXXXXXXX XXXX to receive a loan. I have already completed the loan on my phone and just needed to take pictures. I went into the branch to ask for help and I was denied service. They were not let me explain the manager what I was trying to tell her about my phone and why it did not allow me to take the picture. I went in there asking for help and the manager clearly said we do not design that app so we can not help. I said if you guys work here, Im pretty sure you are familiar with the app is maybe something with my phone that Im doing wrong. I just wont help so we dont have to start the application all over again. I asked the same lady that help me previously with the loan the manager did not like that. I requested the other worker then said I was rude and they will not see me. The worker was very nice and polite and continue to try to help but the manager would not allow to help very poor customer service. The manager walked up to me like coming in my face. I had to ask her not to walk up in my face, I came as a customer trying to get help and Im being denied service. Youre saying we dont do our job because thats not what I said out my mouth the other worker no I was not being rude so I would like for someone to please give me a call back XXXX. I believe I was discriminated against. I am a XXXX XXXX I was just trying to get funds to take care of my family of my family. I just paid back a {$2500.00} loan not even two weeks ago ago
Product: Credit card or prepaid card

I did not authorize a auto credit inquiry on my XXXX account.
Product: Credit reporting

XXXX XXXX added an account to my credit file with Trans union on XX/XX/XXXX which caused a drop in my credit score. This same account was removed from my file on XX/XX/XXXX under the name ( XXXX XXXX ) then reinserted between XX/XX/XXXX and XX/XX/XXXX. 
The account was then removed for a second time XX/XX/XXXX. I am asking that this account be investigated thoroughly and be permanently removed from all XXXX credit bureaus.
Product: Checking or savings account

Truist our relationship ends here. Ive been a loyal member since you were XXXX be in 2000 and before you transitioned to SunTrust, and now to Truist. I am so dissatisfied and frustrated with the customer service that I have received, especially when it comes to any kind of dispute. I need a company that has my back when something goes wrong and you definitely do not have that. I had a situation with XXXX paint and I opened a dispute. You sent me documentation and as Im filling out the documentation, the same day you send me a message saying that you cant dispute it???? What was the freaking point of opening the dispute for me in the first place??? Then immediately sending me the documentation saying I cant dispute it.. Im done here and I will be leaving reviews in various places about my experience with you as well as contacting the banking commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I got a letter saying that everything was verified do to them violating my rights these loans should b removed immediately with a accuracy credit score Violations. 
1. ) 15 USC 1681 section 602 a state 's I have the right to privacy.

2. ) 15 USC 1681 section 604 a section ( 2 ) it's also States a consumer reporting agency can't furnish account without my writing instructions.

3. ) 15 USC 6802 ( a ) ( b ) ( c ) which state that obligation respect to disclosure of personal information
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX. XXXX XXXX XXXX, XXXX Acct # XXXXXXXX, has violated my rights. 

XXXX. XXXX ACCT # 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 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX Complaint XXXX Dear XXXX XXXX, Thank you for your response to my CFPB complaint. 

Your argument is nonsensical. 

Therefore, I must insist that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, I will seek treble damages in XXXX XXXX XXXX. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America first started placing holds on transactions in which I was transferring funds from my Bank of America account to my other checking accounts with different banks. They then placed hold on transfers to my mother. They then froze my online access to my account. They won't discuss the matter with me because I am unable to validate their security. I asked that my debit card be cancelled as it was lost or stolen and they refused to do this. In short, they froze or cancelled my transfers, locked me out of my online access, and refuse to discuss anything with me or cancel my lost debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA XXXX and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA XXXXXXXX program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA XXXX program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment
Product: Credit reporting or other personal consumer reports

It is very much upsetting that my credit report contains inaccuracies and incomplete information. My requests to correct these information keeps getting disregarded and my credit score is negatively affected.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed if they can not be properly verified. 

The accounts in question are : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$190.00} MIDLAND CREDIT MANAGEMENT INC Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Opened : XXXX XXXX Balance : {$10000.00} I am disputing these accounts due to inaccuracies and/or lack of proper verification. According to FCRA, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I request that you : Provide documentation proving that these accounts belong to me- as I never signed any contracts with any of the creditors listed with a wet signature, nor was I provided ID verification of agreement with them.
Product: Payday loan, title loan, personal loan, or advance loan

I received a mailing from Priority Plus Financial for a personal loan. Upon initial conversations, XXXX XXXX ( XXXX ) XXXX, stated to me that he needed to send me to underwriting. He cold transferred me to XXXX. XXXX ran what I was told was a soft credit pull, to which I had to state verbally " Yes, I agree. '' When XXXX called me back the interest rates expressed as higher rates than are advertised on the Priority Plus FInancial, which the range maxes out at XXXX XXXX  XXXX had told me that I received the pre-approval due to pre-screening and there should be no reason that I should not expect the XXXX XXXX rate. 

XXXX then stated to me he was with Priority Plus Financial 's " sister company, '' XXXX. When I tried to explain that the marketing/advertising and using terms for another financial institution as a lead generation source bypassed regulatory systems and transparency, he said that the marketing materials I received were not relevant to his company because they did not market me directly. When I tried to explain that it is indirect marketing through using a secondary company to transfer leads to their company, the regulatory requirements still remain, XXXX asked, " Are you going to just talk over me or let me explain that we did not market you? '' I replied there was no reason to be rude and he said, " I just give the same energy I get. '' I had told him that I was frustrated being asked for specific and personal information when there was a severe lack of transparency between the XXXX financial institutions. 

XXXX told me he was transferring me to underwriting and did not ask my permission to be transferred to another financial institution, who told me the marketing I received does not pertain to them and they have different terms, which were not disclosed to me prior to transferring to " underwriting. ''
Product: Debt collection

as of XX/XX/XXXX the Collection Agency called XXXX XXXX XXXX XXXX XXXX agents of XXXX XXXX XXXX XXXX Case Number XXXX their phone number is XXXX ref. no. # XXXX XXXX, Doughty & Veldhuis have refused to update the current status of my credit to indicate that since XX/XX/XXXX that I have been making payments on this debt which is currently at {$2500.00} to the Credit Bureau that Payments have been made! It still this date XX/XX/XXXX registered as being late, late, late and late. XXXX stated its not their problem that its not being updated properly to the credit burerau. Yet they are the agent for XXXX XXXX collecting debt for XXXX XXXX yet they refuse to update that payments are being made and the debt is being reduced, yet they refuse to properly update the current status of the account and its reported as still being negative, late, late. 
please can you fix this problem. 
thank you!
Product: Checking or savings account

Chase bank closed my newly approved bank account and hold my fund last 3 weeks, stl no sign of my money. 

Chase sent me a letter saying that they have right to close any account without any notice. 

They are doing discrimination on which account close or open. I just don't get it. I did everything chase asked to do, now my $ XXXX is in chase bank pocket and I don't know how I am getting my money back.
Product: Vehicle loan or lease

Lawsuit was already filed and company violated Fifth, Seventh, Fourteenth Amendment along with never saw car once they took it. Sold car without car being seen.
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 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My Husband and I received a collection letter in the mail stating that we owe a balance, I proceeded to send a validation letter on both of our behalf according to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ) I mention in my letter that this was not a refusal to pay but requesting a validation of the debt. They sent me a letter back stating inaccurate information concerning myself and my husband and then proceeded to add that the account was sent over to the credit bureaus and they couldn't stop it. I'm confused because we never had a chance to resolved the debt after the letter they sent back claiming to have validated the debt. This was the first collection letter we received from this company, and to just abuse our credit is outrageous without even allowing us a chance to resolve this matter. od answer to the so call validation letter that is very inaccurate.
Product: Student loan

I took out a private student loan with Wells Fargo XXXX. I stopped payment on it in XX/XX/XXXX, and they have reset the last payment date multiple times, with the last being in XXXX of XXXX. I never made those payments. Doing this is making it stay on my report for 2+ years more then is legally allowed ( 7 years ).