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

I have an American Express Serve pre-paid debit card. I use it for Direct Deposits and some online billing. I on occasion use an ATM. There has never been any issues with this account. On XX/XX/XXXX, I logged onto my mobile app and noticed that my account balance was very low and not accurate. There were 5 unauthorized ATM withdrawals totaling {$710.00} plus fees. I was in possession of my card and did not use my card that day. The App doesn't tell you the times of the transactions just the date and amount. I immediately called AMEX to report this. My account was closed and a new account # was issued. I was asked a number of questions by the representative at the call center. I was asked how someone could obtain my Pin number. They made me as if I was the thief and responsible for these transactions. How would I know how some thieves stole my credit card information. I was obviously very shaken and upset. To me that is a lot of money. I have never shared my information, account number, card or pin with anyone. I filed a dispute. My dispute was denied on XX/XX/XXXX stating that no error occurred and that the transactions were authorized. I called and disputed this again. I received another email on XX/XX/XXXX stating again that my dispute was denied. They would not be issuing me a credit to my account. I filed a police report and submitted all my documentation. I can not get any information on how they investigated and came to this decision. Bottom line is that in an email I am told the decision without any explanation. I would like to know why video surveillance was not obtained in their investigation. There are video cameras at ATM 's and XXXX stores. Attached are my time stamped documents documenting where I was at the times of the withdrawals. I am very disappointed in American Express for their negligence and the way I was treated as a customer. That was my own money in that account. I am a XXXX  mother working XXXX jobs. A month later I am still without my {$710.00}. To them they do not care how I have been violated. This is a very scary situation and American Express allows their customers to feel helpless and continues to allow fraud to be accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX and they apologized but could do nothing for me
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Prior to XX/XX/2023, my mortgage payment was XXXX, and I received the bill notice and all other correspondence at the address on record ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). Apparently, some time in XXXX or XXXX, the payment increased to XXXX. However, without my consent, all correspondence, including bill notices, from the mortgage servicer, XXXX, were being sent to another address that I did not provide the company. So, I continued making the payment of XXXX. In XXXX, the company returned my payment, so I contacted the company to inquire about what happened. 
During that call, I was advised my mortgage payment was past due since XXXX However, prior to the returned XXXX payment, my payments of XXXX were still accepted and not returned. If the payment was insufficient in XXXX, then it was also insufficient in XXXX and XXXX. Unfortunately, several calls later XXXX still refuses resolve a problem that was the result of their action and I am being penalized for it.
Product: Debt collection

The collection agency is Grant Mercantile. They billed me for two ambulance rides for approximately {$4300.00} Medicaid or Medicare was never billed. They never sent me a bill and the amount in question was added to my credit report. I shouldn't have to pay for it. I am caught in the middle. I've already contacted all three parties. Medicare said the company never sent a bill over. I don't know what to do. And I never received a bill in the mail.
Product: Checking or savings account

I filed a dispute with Chime fon XX/XX/23 regarding charges made with my Chime checking account debit card. Chimes website states that if the dispute isnt resolved within 10 business days that temporary credit can be issued to my account for the disputed amount per XXXX  XXXX The dispute has not been resolved at this time, in fact I spoke with the merchant who stated that he " never responds to disputes they are a waste of his time '' .when I contact chime requesting a temporary credit I am told that I am ineligible however they can not tell me why only transfer me to 3 or 4 new CSR reps who all can not tell me why they can not issue temporary credit. These are charges I used my debit card for and are either point of sale charges or online debit card transactions. I would like the temporary credit my account is eligible for.
Product: Mortgage

In XX/XX/XXXX I sent two checks totaling XXXX XXXX dollars to Bank of America to be posted against principal as specified in the loan agreement. Rather than apply the payments against principal, BOA used these checks to pay two months ' regular payments, deducting interest. In effect they had me pay interest in advance, which I believe that BOA must know defeats the concept of interest. I believe that BOA knows it does not advantage me to pay interest before it is due, and that they were consciously trying to cheat me. The BOA internet site specifically says that any extra payments will be applied against principal, which is why I thought it reasonable to send checks without asking. 


I have talked to BOA reps and they have reversed out the bogus charges, but I think it is worth a complaint anyway, on behalf of citizens who might still trust our bank regulatory system or the honesty of whoever is running BOA. Although I 'm not much bothered by the less than a hundred dollars or so that BOA was trying to steal from me so far, I do n't like to think of how much this adds up to across all their loans, since I suspect they do it systematically. 


The only reason I became aware of this is that my payment due-date kept advancing, and I suspected that this meant they were applying my extra payments to scheduled payments and charging me interest on each one. 


The bank representative I talked to after working up the automatic phone tree and trying to sort this out with someone in XXXX explained to me that the problem was that internet site used to include an option to have an extra payment applied against principal, but this was changed around XX/XX/XXXX or so. I do not understand what bearing changing the internet site had on my extra payments, which were made by checks sent from my bank. 


Again, this is no big deal, hardly worth spending the time clearing up when I was just looking at the larger sums involved. But I wonder how long they would have continued subtracting interest out of my principal pre-payments without telling me, and how many other people they might be doing this to. 

I have n't bothered to do the arithmetic.But I think that since this morning I have about a hundred dollars more and BOA has about a hundred dollars less. Are n't you supposed to be watching these characters? Trying to make good honest Americans out of them?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. You guys reporting an account that's was sold to other company it is against the law. XXXX  XXXX account # XXXX and was sold to resurgent receivables
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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: Debt collection

XXXX XXXX XXXX did not give me any service I did not authorize this account. I should not owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX at the time of purchase I did not have a strong financial background in terms of a job as I was working part time for a retail company making {$10.00} an hour and was a XXXX XXXX XXXX. The car salesmen was aware of this, he asked me to provide my paystubs and student loan information as he will handle the rest on his end. I was only XXXX years old and saved up {$2500.00} from working I had no idea what I was doing but I was looking for a car to get me back and forth from XXXX  to XXXX XXXX for XXXX. In XXXX, I became XXXX  with my XXXX XXXX and had a difficult XXXX which required me to be out of work often, in result I was not making enough money to cover the $ XXXX monthly car payments. I tried discussing a payment plan with XXXX XXXX XXXX however they were not inclined on making such a plan as they wanted a full payment. In result on XX/XX/XXXX the vehicle was repossessed, I did not have the money to pay the past due balance and the fees associated to obtain the vehicle again. When I called late XXXX of XXXX about the vehicle I was told the vehicle had already been sold and the final amount of the account will be sent to me. 

My last call to XXXX XXXX XXXX was sometime in XX/XX/XXXX as I received a notice with a balance of around {$14000.00}, I inquired on why the amount was higher than what the vehicle was purchased and why they were attempting to collect on a balance of {$14000.00} when the vehicle was sold and funds were recouped from the loss of the sale. I did not receive a direct response but instead the call was forward to a department to discuss the situation however no one responded the call. When the account was placed on my credit in XX/XX/XXXX it was first reported as a repossession than in XX/XX/XXXX it was changed to charged off. I have been disputing this case with all three credit bureaus due to the egregious errors placed on my credit and the shady practices that XXXX XXXX XXXX is participating in. XXXX XXXX XXXX has placed on my credit file that {$7500.00} was written off and {$10000.00} is past due. How can I owe {$18000.00} on a vehicle that was not merely purchased for that price, I purchased the vehicle for around {$13000.00} and the vehicle was sold in under 2 months upon repossession. I never received documentation on how much the vehicle was sold for and I still do not understand why there is a balance of {$10000.00}. 
In XXXX, I received notification from the state of Maryland that my account in question was eligible to have the outstanding loan to be waived under a court case that was ongoing. When I contacted XXXX XXXX XXXX to discuss my account and it being waived I was told my account was not included in the waived account list. When I researched it further and contacted the hotline where account holders can obtain further information about the case I was told that my account is apart of the waiver.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I received the response from complaint XXXX and I am disputing the charge for the RETURN PAYMENT FEE. This was CREDITED to me so why is PAYPAL CREDIT recharging me for it on my minimum payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed the attached letter Certified to the credit bureaus. The have failed to complete a manual investigation.
Product: Checking or savings account

I checked my checking account and noticed an unauthorized wire transfer for {$42000.00} to someone unknown called XXXX XXXX on XX/XX/2020. 
I disputed the transaction, and I have not received my money back. Wells Fargo sent me proof of the transfer made by someone who must have used a fake passport and made a fake signature. Then, I sent my passport to the security department. My visa was already expired. Therefore, I request my money back. I need my money to pay for an expensive XXXX for a relative. This transfer was a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I noticed an unauthorized account on my consumer credit report. I am requesting to have it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I saw XXXX collecting for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Checking or savings account

Capital one has not deposited my check since Thursday. Have called 2 times and have been on hold for over 2 hours, first time call dropped. Have not received any email or information from capital one. All the information I know is because of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report a lot of information is invalid. I am interested in disputing all incorrect information with transunion to help clear my file.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022 a mobile deposit was made to my account in the amount of $ XXXXThe very same day 2 transfers were taken from my account in the amounts of {$5000.00} and {$13000.00}. The same day a deposit correction was taken out of my account in the amount of {$17000.00}. None of these trans actions were done by me and I did not receive any notification that these transactions occurred. I did not find out about this until I tried to use my debit card several days later. I have never deposit money in that amount nor transferred money in that amount in all the years I have bank at this institution. The bank did what they called an investigation and said I was responsible. The bank would not give me any information as to where the money was transferred to to the just froze my account and then closed it. I don`t know how someone got my information to be able to do this but I would think that the bank would have better safe guards in place to watch for thins like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX
Product: Bank account or service

On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account.
Product: Credit reporting

tried to update and remove incorrect addresses from equinox credit report. my requested changes do not get incorporated and feedback is cryptic and not understandable. 
specifically, i 've never lived on XXXX in XXXX in my life!!!!