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

Earlier this month there were several unauthorized transactions On my XXXX XXXX  XXXXXXXX XXXX XXXX. These transactions where from the company XXXX XXXX. I do not have an account with this company, and have done no transactions whatsoever with them. When I logged in my account and realized these unauthorized transactions I immediately called customer service. Due to it being XXXX day I could not get in touch with anyone there was no customer service that day. I then tried to lock my card because I saw these transactions continuing right before my eyes. There was absolutely nothing I could do. XXXX has no way to lock the debit card. No alerts no one to talk to absolutely nothing. So I was stuck watching my money being drained from my account until the next day. I immediately called in the morning report this. I made my claim and was told I'd be sent a new card and receive a temporary credit within 10 days. I received my card and tried to activate it and was sent to customer service. While on hold I tried to log in my account which said I was blocked. Once customer service answered I was told it was just for security purposes and that I just needed to come in with my ID to verify it was really me. Once I went inside with my ID I was told that the temporary credit had been applied to my account and that once he emailed the verification forms in that my account would be unlocked and I could activate my card. However, today, 3 days later I received a call informing me that my verification was received, but that some reason due to them not issuing there own debit cards and not being able to verify the transactions that for security my account had to remain locked until the end of the investigation and I could not use my debit card either, and this will take up to 90 DAYS! This is completely unacceptable from a supposedly reputable company like XXXX XXXX  or bank of America. I am being punished and further victimized by the company because I was a victim of fraud. They never tried to lock my account when someone was stealing my money, however I am locked out my own account with no access to my funds. What effect is a temporary credit if they lock my account giving me no access to it for 90 days? This makes no sense. XXXX as well have just said we're not giving you anything until the investigation is complete and left my account unlocked. Instead they issued me a temporary credit and locked my account so I wouldn't have access to it. This is unbelievable. This is unethical and the worst business I've ever experienced.
Product: Checking or savings account

I dont even know I went to make a purchase at XXXX for my partners medication who is XXXX XXXX and still hasnt received any medication due to the fact that my funds are not being able to be access to me. Kept getting declined the register so I called my bank and they literally started laughing at me over and over again every time I called and what transferring me to anyone I can talk. I dont understand why
Product: Debt collection

I have had to dispute multiple times with Jefferson Capital Systems. The accounts are closed because they are incorrect and illegitimate. Jefferson Capital Systems then decides to re-open the previously closed accounts and continue their negative reports on my credit. This needs to stop and they need to reverse the damage they have caused to my credit.
Product: Credit card or prepaid card

Hello, I am reaching out to report American Express for unfair practices and harassment over the past 4-5 months. It started on or around the XXXX XXXX XXXX XXXX XXXX when they blocked my credit cards for absolutely no reason as my account was in good standing and paid on time. When i reached out to them they requested from me to pay the balance on my business credit card but even on that account the minimum payment was met and even exceeded. When i told them what i just told you they said that they will unfreeze my cards but confronted me that i need to be paying my balance in full every month even though there was no such thing in the agreement and they gave me promotional APR on that account as well as {$40.00} carry over limit and i have spend {$160000.00} on that account and paid {$120000.00} that fiscal year. After clearing everything they unlocked my cards but my problems didn't stopper there. It was pretty much on a weekly base that i was receiving phone calls, threatening e-mails of freezing my accounts, got my accounts frozen again and i literally had to have same conversations every week for months. The last time i had to reassure them and share my financial plans was on the XXXX of this month. A few days later not happy with the fact that i am still taking advantage of the offer they gave me to carry over balance on my business account they went to retaliate against me and reduced the balance on my personal credit card by {$25000.00} for absolutely no good reason regardless of the fact that i reduced my balance on that card by {$3700.00} just this month. Now because of that i get this warnings when i log in and it makes look like my accounts are not in good standing even though i have never been late on payments and i am closing to the limit cuz they drastically reduced it. They have truly been harassing me for months and the only reason i can think of is my national origin. If i haven't had a XXXX  name i don't think i would've been in this position. They want me when i use my cards and pay them hundreds of thousands of dollars but if i happen to use any of the offers they give me they freak out and start harassing me. I am hoping that you're agency will investigate this thoroughly and look into their practices so they can stop harassing people. There's nothing worse then to constantly explain yourself when you have done nothing wrong. I have never been bullied like this in my entire life. This got into situation that is no longer tolerable and need 's to stop! As a proof that the forgoing is true i have attached the evidence i have available
Product: Mortgage

Trying to sell my house underwriting company requested recorded documents from my mortgage company proving their ownership of the debt on my house. We requested this XX/XX/XXXX. Closing date was XX/XX/XXXX to this day we have not received it after calling them on at least 10 occasions. We been promised that we would be contacted but no response yet. Shellpoint inc. has not responded yet.
Product: Checking or savings account

Walked in to open a business account in US Bank located in XXXX ca. Was recriminated by banker Banker named XXXX. Was told can not be opened and also put my personal account under a hold/freeze for no reason. Did not and do not have access to my own funds. Reason for hold unknown. There is no ppp loan or sba loans deposited in account. Contacted customer service and was told the hold has no description and was for no reason. I have served 4 years for this country and i feel I was discriminated by the employee. I am out of my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to be on my reports where it stated it was supposed to be removed. I have attached report.
Product: Credit card

Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info. 
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.
Product: Mortgage

This is a   XXXX   complaint regarding  Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX .  XXXX  complaint was regarding the doubling of taxes/insurance in escrow. In that complaint I determined they owed me {$1400.00}. They sent a check to me for {$1200.00} which was {$240.00} short of what they owed back. This was for over payment on mortgage due to the duplication of taxes/insurance they were escrowing for the year. I then received a letter from them dated  XXXX   XXXX  that stated the monthly payment stated on the  XXXX  statement  XXXX  {$1400.00}  XXXX  is the correct monthly payment amount. They then closed the complaint without confirming with me this was resolved. I place phone calls back to them but never was able to speak to the correct person or someone that could address the complaint that has not been resolved. At this point, I was going to live with the fact they shorted me the {$240.00} in what they owed me just to be done with dealing with their ineptness and my busy work schedule prohibits the time to spend an hours on the phone trying to get the right person who could fix. This took  XXXX   XXXX  months to what I thought resolved the issue even though it was not completely resolved. I then get a new statement for  XXXX  monthly payment that says amount due is {$2900.00} and regular monthly payment that again states it is {$1400.00}. This is right back where we started with the first complaint!!! I paid the normal {$1100.00} for  XXXX  that I have been paying all along. My  XXXX  statement comes and it says my regular monthly is {$1200.00} and that I am passed due and owe a total of {$1500.00}! I called and spoke on the phone to a representative on  XXXX   XXXX  around  XXXX  pm after calls the past  XXXX  days during my work hours. Again after many minutes of waiting and voice prompts I speak to a representative who tells me that there needs to be some " buffer '' hold to pay for taxes/insurance of around {$500.00}. I told them you guys just sent me a check back ( {$1200.00}  XXXX  so why did you do this if you needed to " hold '' money? They representative just repeated her claim of the amount owed and I told her I would be sending the regular monthly of {$1100.00} and that I will be filing a   XXXX   complaint regarding their inept loan processing/payment procedures and the harassing phone calls. It is nearly impossible to figure out what is owed each month because of the changing statements. I will make the {$1100.00} a month payments until this issue is resolved to my satisfaction.
Product: Mortgage

During the years of XXXX thru XXXX when the United States was in a nation wide pandemic. I lost my job due to covid and fell behind on my house payments. I have since then made double payments and made good on all of the late payment charges i received from the bank and caught my loan back up to a non late status. I have tried multiple times to work with the bank on forgiving the late charges due to the loss of my job during covid but they will not work with me. These late charges have destroyed my credit score and I am in no good standing to refinance my balloon loan that is up at the end of this year. Please if there is anything you guys can help me with that would be greatly appreciated.
Product: Mortgage

Hi I have an XXXX backed mortgage that is held by Amerihome Mortgage Company and I am having a horrible time trying to restart my mortgage via the partial claim option. 

This process has been ongoing and opaque since XX/XX/2021 when I have been actively trying to understand my options and pursue the best one. 

I was initially forced into a partial claim with no explanation or options or info given, but I wanted to be considered for the recovery option, by the time They did in XXXX the interest rates and my balance had gone up so much it didnt lower the payment. 

In the meantime they also started foreclosure proceedings on me while telling me explicitly in writing they werent doing that. 

I am currently waiting for my contact at the customer experience office to get with the loan mitigation team and tell me my options but it is taking so long I dont know what to do anymore. 

I know I qualify for the partial claim and per the guidelines they should offer me what results in the lowest monthly payment which is also that ( my old payment ) Any help you could offer Id appreciate This has been a nightmare and I just want to start paying again Thank you
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I paid {$1500.00} to someone via XXXX to purchase a pocket book and card card. The person was acting on behalf of the retailer XXXX. Once I realized what happened I requested my money be returned to me from the person. I had opened an investigation immediately with BOA and XXXX. They advised me there was nothing they could have done because the recipient had already taken the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is using my identity fraudulently. Experian is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX/DEPT OF ED XXXX needs to be removed not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called equifax numerous times. I never consented to these inquiries. These inquiries are unauthorized. Delete immediately as you are in violation of the law.
Product: Debt collection

Wells Fargo Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX for a total sale price of {$51000.00}. 
I provided my social security number in order to seek out financing for this vehicle. 
The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to Wells Fargo due to my role as a creditor 15 USC 1692a ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I noticed two addresses on my credit report that were not mine. 
On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. 

I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. 

I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. 

I did contact XXXX and filed a dispute with them for the addresses. 
I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.
Product: Bank account or service

In XXXX of 2015 I was sold a banking product by XXXX XXXX of Bank of America. The various products were attached to an incentive of {$1500.00} in account credits after the account was opened and conditions were satisfied. These credits were never received, and on XXXX XXXX I inquired and received no response. On XXXX XXXX I inquired again and was told it was overlooked and would be sent within 15-20 days. On XXXX XXXX I asked for an update and was told the check would be sent by the end of the month. To this day nothing has been received and the bank is engaging in a classic baiting scheme.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is paid but reads as charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX I looked at my TransUnion credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

I was notified that I needed to submit documents to verify my identity to basically unlock my account. I went to the local chase branch supplied my ID my debit card and all the incorporation documents that I was provided from the third-party service that did the filing for my business. After submitting the documents I was told that the bank review team would either approve the account and keep it open or close it and mail me a check. Neither of these things happened. Instead I waited two weeks for a check to come once I noticed that the bank account was closed. As I was told I should expect a check in the mail. After waiting two weeks and no check was received I contacted chase business customer service by phone and was told that they were holding my funds due to an issue with verifying my address. This was never proactively told to me I had to call in for this information they held my funds for over a month now with no resolution other than to Open accounts or register the business with the current state I am in which would require additional funds out of pocket. My other bank accounts have gone in the negative and Chase is charging me nonsufficient fees regarding these accounts in my automatic payments which are at their own fault for not releasing my phones. They prevent me from operating my business efficiently and able to invest further to generate additional revenue