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

Bank records and personal assessment attached. 

Possible discrepancy between accounting and reported account balances. Where past account balances still available, assessment of records indicates possibility that revenue is missing from checking account. 

Transaction history was evaluated from XX/XX/XXXX until XX/XX/XXXX as of today, XX/XX/XXXX. Two sheets on attached documents show the full assessment, as well as two from XXXX and XXXX of XXXX ; and from XX/XX/XXXX until XX/XX/XXXX ( to count with the latest known account balance ). 

During XXXX, the last debit card was authorized. Then not authorized. I called to authorize it, the process worked like usual. Tried to spend on it after and the card was determined invalid by the machine the card was ran on. Tried to reauthorize it and it still didn't work. Got a new card now and this one is now working. This also happened to be near a large cash deposit from work I did with a sole proprietor. He doesn't have an assumed business name that I know of. 

Was this an account freeze to determine the legitimacy of income? 

Why was I not notified? 

How do authorized cards become unauthorized apart from consumer decision? Why are they invalid after being reactivated? 

Why, if there is such, are there apparent discrepancies between bank transaction records and the account balance posted? 

Do debit transactions go directly to the bank 's accounting? Or to the credit vendor advertised on the card? 

Does XXXX practice similar contract terms and conditions as XXXX XXXX or XXXX?
Product: Checking or savings account

This ordeal started on XX/XX/2023. My brother sent me a check closing out the estate of my deceased father. The check was written in the amount of $ XXXX. I deposited the check into my Chase Savings account. They said there would be a two-week hold on the check due to the large amount, which I totally understand. However, my brother mistakenly wrote the check from an account which was held by him and my father jointly. Since my father was deceased, the check bounced back to my brother 's bank, XXXX. My brother then ordered new checks with his name only on them, and sent me a new check. I deposited the check and was told again by Chase there would be a hold. No problem. However when my online account said the money was available I could not access it. I called Chase to find out what was going on and they said the account was suspended due to suspected fraud because of two checks sent by the same maker for the same amount. My brother tried to the recall the check but it was too late. Chase has now closed my account and has my XXXX in " suspension '' until they can verify him through XXXX phone verification. For some reason his two phone numbers can not be verified. We have done everything. We went to the cell company and made sure the phone is registered to him. We double checked that the land line is in public records. We offered to come into a branch with all of our identification including death certificate, state ID, birth certificates, anything they need. The Chase reps say the ONLY way they can verify is through phone numbers. I have called almost every day for updates. I have gone to the local branch and spoken to the manager there. I have asked for managers, supervisors and have only been told the same thing. I'm also told by Chase that if I hire a lawyer, I forfeit my right to check on the status of my money because everything will have to go through legal. Also I don't want to pay a lawyer. I also called my congressman whose office told me they can't offer legal advice. I don't want legal advice, I want to know what the law is, how long they can do this to me, and what resources are available for me. Please help me! Thank you.
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 XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

a ) The Morning of XXXX XX/XX/2021 Checked my account and noticed unauthorized charges XX/XX/2021 XXXX XXXX XXXX XXXX, {$9.00} XX/XX/2021 XXXX XXXX XXXX, {$380.00} XX/XX/2021 XXXX XXXX XXXX, {$53.00} b ) Immediately called chase, c ) Talked to chase they closed my account and sent me out a new card d ) the next day i noticed charges still on my account so i called again e ) they said charges will be removed soon f ) few days later charges are removed. 
g ) got my new card activated thought everything was fine. 


h ) XXXX XX/XX/2021 i received an email ( We posted a new notice or letter in your Chase XXXX app and at chase.com/statements. ) I ) Your account ending in XXXX Dear : ( My Name -- -- - ) Thank you for contacting us on XX/XX/2021 about an unauthorized transaction on this credit card account. We completed our review and would like to share the results of our investigation. 
You can see this in your balance now at chase.com and on one of your next two billing statements. 



You are responsible for the following transaction ( s ) Transaction Description Reason XX/XX/2021 XXXX XXXX XXXX XXXX  You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 

j ) Charges were added back to my account stating i received benefit from this and transaction ( I DID NOT ) k ) called chase again and now i guess a re investigation said i will get a call l ) XX/XX/2021 received another email ( We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. ) There was no new notice just the same notice from XX/XX/2021 m ) I did not receive any benefit from these transaction I do not know who, what, or where XXXX or XXXX is I assume XXXX is an Airline because Airway ( XXXX XXXX ) is in the name and XXXX is a flower shop because florist is in the name ( XXXX XXXX XXXX ) I do not understand how or why the credit card company that is suppose to protect me is not doing so.
Product: Vehicle loan or lease

I have requested that we start the arbitration process. Yet, The Driveway Finance Corporation is refusing my request. Ive informed both the dealership and the finance company of the fraudulent activity on my contract. However, neither entity has responded to my grievances. I have also submitted documentation to the finance to begin the rescission process, yet the have not responded. I feel like Im being lied to and held accountable for a fraudulent loan that no one want to discuss.
Product: Student loan

I enrolled in XXXX university. I was assured by several XXXX XXXX and XXXX Bank that the debt I was acquiring was standard and would be easily repaid upon graduation. However, at graduation I found myself with more than {$200000.00} in private loans with interest rates around 8 % and unable to find a job for more than XXXX months. I am now drowning in monthly payments of about XXXX and they have been very unhelpful and reluctant to help lower my monthly payments. By the time I finish paying the loans off I will have paid them more than {$450000.00}. After paying my loans, I have little over {$50.00} left and rely solely on family to provide simple things like food and shelter. The government needs to intervene to defend the private borrowers from this type of abuse, this lending is immoral and unethical. How are you promoting education by setting students up to live a lifetime of debt and burden? Please help
Product: Checking or savings account

Dear sir or madam, I am writing this email about the opening bonus for HSBC XXXX XXXX business checking account. 

I opened my HSBC XXXX XXXXt business checking account on XX/XX/XXXX. At that time HBSC had {$300.00} promotion. 

Deposit a minimum Qualifying Balance of {$5000.00} or more in New Money in the eligible HSBC business checking account ( XXXXXXXX XXXX, XXXX XXXX, or XXXX XXXX XXXXt ) within 30 calendar days of account opening ; and Register, and Log On to HSBC using the personal credentials you created and your security device within 45 days of account opening ; and Maintain at least the minimum Qualifying Balance ( s ) in your eligible business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ) for 90 calendar days from the date you deposit the minimum Qualifying Balance. 

I fulfilled all requirements and on XX/XX/XXXX, I received {$200.00} bonus, it shows XXXX XXXX XXXX   OFFER. I sent email and asked why my bonus is only {$200.00} instead of {$300.00}. The reply I received was current promotion is {$200.00}. The thing is the promotion was {$300.00} when I opened my account last year. I should receive {$300.00} bonus. 

I also referred XXXX He to open HSBC XXXX XXXX business checking account, the account was opened on XX/XX/XXXX and used my referral code. Business name is XXXX XXXX, XXXX # XXXX. Per HSBC promotion condition, I should receive {$100.00} bonus. 

Please investigate these two cases and deposit {$200.00} into my HSBC account, ( {$100.00} + {$100.00} = {$200.00} ). 


Thank you very much for your help! 
XXXX XXXX
Product: Debt collection

Back in XXXX I purchased a ring with a Kay 's credit card. I had just gotten out of the military and went through hard times and did not pay the payments. It went into collections but was later closed. It has been years and we have heard NOTHING from kay jewelerXXXX. In the meantime I had purchased a vehicle and home with no issues and no remarks of portfolio recovery. Today, XX/XX/XXXX I received a letter for notice of bank levy in the amount of XXXX. Stating their other attempts have failed and they will garnish my AND spouse bank account ( we werent married at that time ). This was from XXXX and it was never for that amount that they're asking. We have received no other correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get Experian to reflect the proper status of my XXXXXXXX XXXX XXXX credit card. This card was closed earlier this year, however, Experian continues to list it as open. This has caused my credit utilization to be artificially inflated and has caused me to receive unfavorable outcomes on credit applications. I addressed this complaint with XXXXXXXX XXXX, which administers the XXXXXXXX XXXX, and they submitted a request to Experian to list the XXXX account as closed. Even after receiving this, Experian refuses to list the account as closed. I have attached proof of XXXXXXXX XXXX request to Experian. I am asking CFPB to facilitate correction of this information or begin an enforcement action against Experian for their unlawful refusal to update the status of this account.
Product: Debt collection

Ford Motor Credit has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a complaint about incorrect information on my credit report I recieved an updated credit report by mail dated XXXX. Unfortunately the information is still incorrect. 

File # XXXX Date of birth is reported as XXXX instead of XXXX Credit history is reported starting XXXX instead of XXXX
Product: Debt collection

I requested that this account be investigated so that I can understand where this alleged debt comes from. This creditor sent medical information that I do not recall and did not authorize them to receive.
Product: Debt collection

On XXXX XXXX I noticed a collection on my credit report. On XX/XX/XXXX I contacted the creditor listed on the report to inquire about the supposedly debt. I made three different phone calls and spoke with a different representative each time. each representative told me that no debt in the amount in question was showing as me owing a bill. Each one stated that nothing is showing under my personal information that has been sent to collections. I then reached out to the debt collector and gave him the information that I received from the creditor. He really couldn't give enough information about the account and the phone disconnected. The debt collector was never heard of by me, and I never receive any kind of communication as to validate this debt.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX XXXX  before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX XXXX 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! 


Update the late payments from my consumer reports
Product: Mortgage

For over three years, Ive attempted to control my mortgage loan with Nationstar/ Mr. Cooper XXXX without any success. When working on receiving a modification, my attorney was placed on the loan as a point of contact. The attorney is no longer involved in anyway with my loan. 
Meanwhile, Im unable to retrieve pertinent information in order to monitor my loan, but continue receiving the following message from my lender. 
Important messages about your account are not getting delivered. Please update your mailing address and register for Paperless Delivery to ensure you receive all communications. 
The documents included demonstrate my attempts to have the attorneys name removed from my loan based on the advice/information provided by Nationstar/Mr. Cooper. I was advised to send a written request, which I did, only to then be informed that I, the loan holder, can not make the request, and only the attorney can do so. To complicate the matter, the attorney in question is being investigated by the Department of Justice and the XXXX XXXX Office of the District Attorney, therefore, making it inappropriate for me to have any contact with him due to his connection to my loan. When sharing this information with the lender, their comment continues to be, Theres nothing we can do. 

OTHER ATTORNEY REPRESENTATION If you have attorney representation for any other mortgage-related matters, we will send all correspondence to your attorney. To resume sending correspondence to you, we will need written verification you are no longer being represented by an attorney regarding your mortgage. 
You can send verification by fax to XXXX, or mail to : Mr. Cooper Attn : Customer Care XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Hello I was born with a twin sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my twin. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The open date ( XX/XX/XXXX ) and last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are inconsistent and inaccurate, violating the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ). 

Additionally, remarks such as Account Closed By XXXX XXXX and Unpaid Balance Reported As A Loss By XXXX XXXX conflict, further demonstrating the accounts inaccurate reporting. 

The account appears to be reported multiple times with conflicting details, including terms count, months reviewed, and payment history, which may lead to unfair reporting and double-counting of debt.
Product: Credit reporting

Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with XXXX credit Bureaus Transunion, XXXX and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my Transunion report which made it seem like I had XXXX past due accounts instead of just XXXX. Transunion reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as Transuion but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from XXXX bureaus as they are inaccurate
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the XXXX. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I have file a report and compliant with FTC and XXXX Police XXXX.
Product: Checking or savings account

I am submitting a follow-up complaint on Bank of America, because they have not been responsive to my attempts to contact them or XXXX XXXX XXXX XXXX attempts to contact them to resolve the fraud issue. 

I have now waited over 10 months for a resolution. 

I have been working with XXXX XXXX XXXX  for almost 10 months to resolve a bank fraud issue that occurred as a result of someone cashing an electronic check assigned to Bank Of America. I have waited patiently for my bank ( XXXX XXXX XXXX ) to declare this issue as fraud, however, I have been waiting indefinitely for Bank of America to generate any type of response as to when XXXX XXXX XXXX will be paid so that I can be reimbursed my money. A summary of the issue is described below. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Checking Account Number Ending In XXXX Savings Account Number Ending In XXXX On XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$380.00} which presented for payment on XX/XX/2019. In addition, on XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$490.00} which presented for payment on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma claims they can not " see '' my driver 's license. I have sent my driver 's license to them multiple times, for years. Still, they can not " see '' it. They claim the personal identity documents that I submit to them are unreadable, and therefore, they can not begin the process of verifying my identity. Credit Karma claims they can not verify my identity. No matter how many museum-quality documents I submit, Credit Karma claims that these personal identity documents are unreadable, so that they can not verify my identity with my driver 's license, passport landing page, social security card, monthly bank statements, voter registration, monthly mobile phone statements, car registration card, car insurance card, and more. I am born-in-the-USA, fluent in XXXX, and have a XXXX degree. With my overflowing XXXX skills and XXXX  skills, Credit Karma is still unable to process my request for a free credit report, claiming they can not verify my identity.
Product: Payday loan, title loan, personal loan, or advance loan

Home Credit won't loan me any more money at all, i been with Home Credit over three years and never miss a payment at all, I pay {$85.00} each month.Home Credit won't approve my loan. I'm a senior citizen age XXXX PAYMENT XXXX EACH MONTH. Home Credit XXXX XXXX XXXX XXXX. Home Credit XXXX XXXX XXXXXXXX XXXX XXXX.Laurinburg, XXXX. ( XXXX ) XXXX. I will turn this over to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have the credit reporting agencies remove the incorrect information on my credit report. They have not furnished any contact information from the companies which they have verified their information from.