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

I can't remember when, I think it was 4 or 6 months ago I logged into my Amex saving account & it prompted me to change to their new site. 

Ever since then I have had NOTHING but problems.

1. The list of accounts along with my nick names is missing. Now it only shows you one account number at the top & that's it, there's no longer any list of my accounts. 

I complained about that on that date as well as the last time I called on XX/XX/XXXX, & now again tonight. 

They STILL haven't fixed it. 

2. Then I went to transfer money from my external bank account to one of my amex savings accounts & the drop down menu doesn't work when I click on it. I tried it on another browser & it didn't work there. 

I complained about that on XX/XX/XXXX & asked for a manager to call me & nothing, no manager.

Same thing happened tonight & the first girl didn't know how to solve the problem. 

I've wasted hours now trying to work with these incompetent staff, & the last two times I had to get the CSR to do the transfer for me. Tonight there was no transfer done at all. 

3. Tonight I got a supervisor XXXX who then proceeds to tell me that I first have to log into the account I want to do the transfer to & then do the transfer. I'm like WHAT??? 

Are you kidding me? I'm already in the account & there's NO WAY for me to choose which account I want to do the transfer to BECAUSE you still don't have a list of account numbers along with the nick names. 

I NEVER EVER had any issues with the old site. You clicked on list of accounts, it showed you the ENTIRE LIST with the numbers along with your nick names. THIS SITE doesn't do that. 

So they now expect me to GUESS at which account I want to transfer to OR click on every single single entry & go thru 8 entries just to guess which account is which & which one I want. 

I have no way to see the entire list in one SHOT because they REFUSE to fix the problem??? 

When I was getting upset ( I was NOT swearing ), XXXX then interrupts me & tells me to act professional otherwise she's going to hang up on me. 

So now Amex is telling me how I have to behave like you are my parent? I don't have the right to get upset after wasting 3 days of my life & countless hours for the last 4-6 months & then I'm threatened because you ruined the website & when you tell me I have to go around in circles just to create a transfer, I'm not allowed to get upset? 

You are trying to control my behavior & I won't tolerate that XXXX behavior. If you can't handle a customer being upset & appalled that you ruined the site, then you shouldn't be in the job of dealing with customers. 

On the last site I have been using since 2017, I never had ANY problems. I could do a transfer within 2 minutes or less. 

I want someone high up in the company. 

No one knows what's going on there, a manager never called me back the last time, & these bug fixes still haven't been fixed & I once AGAIN can't do a transfer. 

XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 LoanmartXXXX bank performed an unlawful illegal repossession according to 15 USC 1692 ( F ) ( 6 ) this is a violation. Loanmart/CC bank exposed my personal information to a none third party without my written consent this is considered Identity theft. LoanmartXXXX bank violated the Gramm- Leach-Biley Act by not supplying me with Privacy policy notices and an opt out statement this is a violation.

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Product: Credit reporting or other personal consumer reports

Please explain why you contact me about actions by XXXX XXXX not me. He is here in our country  on a visa using two fake SSN numbers XXXX and XXXX and cash XXXX escrow account checks in my name XXXX. XX/XX/XXXX and XXXX. Mailed out on XX/XX/XXXX and were instructed by XXXX  around XX/XX/XXXX to go make police report as XXXXXXXX XXXX XXXX XXXX XXXX and then also on XX/XX/XXXX conducted an affidavit of forgery. He continues to squat at the property. 

Also dated XX/XX/XXXX attached letter record no. XXXX he Used a fake non-existent broker as XXXX  XXXX XXXX confirmation he and attorney XXXX XXXX well aware they did not purchase from XXXX XXXX. Including the fact XXXX XXXX contacted chase as an inquires on XX/XX/XXXX ref. No. XXXX XXXX as XXXX responded WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX CALLS US AT XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

ON XX/XX/XXXX AT XXXX for XXXX minutes I spoke to XXXX  XXXX XXXX mortgage department XXXX XXXX XXXX XXXX XXXX XXXX guy name XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear. 

On XX/XX/XXXX spoke to XXXX XXXXXXXX he said XXXX put your two checks in an account XXXX XXXX XXXX XXXX Az XXXX
Product: Checking or savings account

For nearly a year, I have tried to cancel XXXX, but it never goes away. they make it impossible to cancel, telling me I have to bring my account to a XXXX balance, but then they don't make this possible. They say stuff like you have to withdraw funds, etc, but if I do that, it charges me a fee to them, it's a never ending cycle. I have told them this repeatedly as well as chime, i have contacted them numerous times requesting they block XXXX all together, each time they told me it would never happen again, but it keeps happening as recent as this morning. At this point, I believe XXXX owes me XXXX a month for the past XXXX  months.
Product: Bank account or service

I presented a check to XXXX XXXX which cleared their electronic screening. I immediately deposited a check presented to me as reimbursement ( mobile deposit ) the same day. BB & T held the deposit for 3 days. In the meantime, my check was returned NSF and I was charged a XXXX charge. Today, I check my account and see where BBT list my mobile deposit as " available '' and " posted '' on XX/XX/XXXX. This is beyond misleading. If the funds were not available according to their policy, why do they present the deposit on my statement as being available for withdrawal? In actuality, the funds were there. 

Also, They do not disclose the check that was returned in order that the consumer can get matters straight with the bank or merchant. Because of this, the check was presented a second time. Check in the amount of {$320.00}. I am not understanding how a check can be returned and the ending balance for the day be over and beyond the check amount plus charges?
Product: Mortgage

Applied for a mortgage refinance with Loan Depot in XXXX. The application process was tedious but, normal enough. Closing on the mortgage has been an extreme challenge, some attributable to the pandemic. We were initially supposed to close in late XXXX. Due to delays on the Loan Depot end it has been pushed out or rescheduled 5 or 6 times. We finally signed the closing paperwork virtually on XX/XX/XXXX. Loan Depot should have paid off current mortgage holder on Friday XX/XX/XXXX ( due to XXXX XXXX. In the week since that has happened, and again after we have signed the closing documents, Loan Depot has requested more signatures and acknowledgments and new pay stubs but, still as of today XXXX has yet to pay off my current mortgage. I have had to now pay my XXXX and XXXX mortgages to the existing lender and of course Loan Depot will expect their first payment still on XX/XX/XXXX. This process has been nightmarish to say the least.
Product: Credit reporting or other personal consumer reports

Several unauthorized Inquiries on my credit report, I did not authorized these institutions to run my credit report. Please remove these inquiries off my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase Refused to investigate monthly fraudulent charges by XXXX XXXX and Refund fraudulent charges and shut off fraudulent charges. Since XXXX of XXXX I have been Repeatedly charged {$53.00} monthly on XXXX XXXXXXXX XXXX XXXX  ending in XXXX since XX/XX/XXXX by XXXX XXXX XXXX XXXX, a Third party processor company that I CLOSED the account with. XXXX XXXX XXXX XXXX {$170.00} in Bogus Charges on XX/XX/XXXX and verified the charges are bogus and account is closed- but XXXX continued to charge my card monthly AND CHASE WONT STOP THEM- I have reported this to chase several times - this is fraud. I demand CHASE issue a FULL refund of {$53.00} monthly charges since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Hi, My complaint is that I sent letter and Identity Theft Report to XXXX, XXXX, Experian, XXXX XXXX, Uplift, and Affirm regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled.

*A copy of my Identity Theft Report and proof of my identity.

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

As of today, the issues has not been resolved.
Product: Mortgage

I was on a forbearance program with Citizen Bank, which was supposed to end on XX/XX/2022. I requested a Loan Modification with them around XXXX time frame and was approved but there was a miscommunication or mistake in the payment starting date. The loan letter stated XX/XX/2022 as the repayment starting date but when I called up and ask them I was explicitly told to start XX/XX/2022. However, today ( XX/XX/2022 ) I received a call asking about the XXXX payment so I was confused and called them about it and spoke to their Loss & Mitigation and Collection departments on 4 separate occasions but nobody acknowledged the starting date as XX/XX/XXXX and insisted there is nothing they can do and wanted me to pay for the XXXX payment which I did not anticipate. I even asked to escalate the case to no avail. I was told if I don't pay for the XXXX month I will be charged a late fee and report to the credit bureau. This is absolutely outrageous as this was not the agreement. They have a recording of the conversation on the day I called up to accept the agreement which I brought up but was brushed aside. I felt I am hitting a brick wall and believed this to be a mistake on their end and now they are denying the responsibility! 

The date I called to accept the Loan Modification was XX/XX/2022 from XXXX XXXX  to XXXX XXXX. They have the recording as per their declaration. It should be retrieved for evidence of acceptance and payment start date prove. The number I called is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is from TCS Thunderbird Collection and they were on my XXXX account since I owed the debt since 2013 but then XXXX XXXX fought them to get it off and they came off my credit but then they came back on under my XXXX report which is fraud. You ca n't resubmit a debt that has already come off a report so I need you to investigate them and let them know they need to come off. XXXX XXXX will continue to fight them until they come off my reports and they are direct violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has ever  XXXX  credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized  XXXX   XXXX  to inquire about credit.      XXXX   XXXX  Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  + Finance
Product: Debt collection

I had received 2 letters from Receivables Performance Mangement ( RPM ). I  had just chosen one and opened it and the letter contained an offer to settle the debt in the amount of about {$370.00}. Later, after the ordeal, I found that the other letter contained an offer to settle in the amount of about {$290.00}. I called and spoke with a representative on XX/XX/2019 who proceeded to take my payment information to process the payment as settlement in full for the debt. I requested an email confirmation of my payment to keep for my records. RPM sent an email, but it was not a paid receipt, it was a copy of an offer letter that stated the amount was {$290.00}. At this point, I was confused because they just took a payment of {$370.00} so I called back to inquire about the difference of what they took and what the email said. I spoke to the manager, XXXX, who stated they would refund the difference but we would have to wait for it to clear first because it was not showing posted to the account as of yet. I proceeded to wait a couple days and I called back and spoke with the same gentlemen who at this time advised they would not refund my money and that I would have to contact my bank directly to stop the payment and then we could redo the transaction even though they knew at this time the bank would not be putting a stop on the payment. I called my bank and they processed it as a dispute, but after their investigation determined the payment was valid and would not refund my money. I feel that RPM misrepresented an offer to settle my debt and fraudulently took a higher amount because it benefited their employee and meant more money for his own paycheck. This is clearly false representation and I feel that the company is stealing my money when they were fully aware there was a lower offer on the account. Additionally, when I received conflicting information and contacted them about it, they again misrepresented an opportunity for me to get a refund of the overpayment, which I have not received as of yet.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX my husband and I purchased an inventory new construction home from XXXX XXXX XXXX XXXX We received a letter in the mail from US Bank XX/XX/XXXX stating new mortgage terms although we never applied for a mortgage. They said they purchased the mortgage from a company called XXXX mortgage services but we never applied for a mortgage with XXXX either. As new first time homebuyers we were not aware that we were getting scammed. We have been paying US Bank $ XXXX from XXXX. Throughout this time we have been asking them how can we pull the escrow out of our home but they said we have to pay 80 % of the total cost first. When we called to ask for a verification of invoice and debt they refused to send anything and said that it will get reported to our credit if we do not pay. We also notice when we checked at the county record that our deed and title were submitted electronically to the county court office and that address that was linked to us did not even exist and they still insisted that we must pay them.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit card or prepaid card

I applied for a credit card at XXXX XXXX as of XX/XX/XXXX and was approved. ( purchase was for about {$980.00}, CC credit limit {$18000.00} I waited for many weeks but never received the Credit Card ( CC ) to this day XX/XX/XXXX I called/emailed XXXX XXXX many times that I did NOT get the CC but they told me " NOT their business ''!!! Than I got a Statement from XXXX XXXX/Bank of America Therefore, I called Bank of America several times to inform them that I did NOT get the CC : First day they told me they made a mistake and they did NOT send the CC but they demanded payment! 
Another day they told me they will NOT mail-send the CC anymore for an unknown reason and NOT disclosed reason and demanded payment, I informed them that I did NOT receive what I asked/applied for and since they made a mistake by not mailing me my CC that I am NOT paying if I do NOT get my CC!! 
I also informed them that I made many inquiries at XXXX XXXX looking for my CC. 

Next Bank of America started harassing me with their phone calls ( calling me via their machine about so far about 100 times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX  XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX