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

XX/XX/2018 {$200.00} plus a {$3.00}. fee was withdrawn from my account with XXXX XXXX XXXX, XXXX XXXX. The withdrawal was done at an ATM in XXXX, Ok. We live over 122 miles from XXXX and were no where near XXXX . The bank claims the withdrawal was done with my atm card and the person new the pin number. Impossible. In my XXXX years of living, I had NEVER allowed anyone to use my atm card or a credit card. There were additional purchases made with the card totaling just over {$300.00}. I nor my wife were responsible for these charges and the bank is refusing to return the money to my account Four days later, XX/XX/XXXX I had a XXXX XXXX and was flown to XXXX to XXXX XXXX hospital. On Wednesday, XX/XX/XXXX my wife and son were visiting me in the hospital when my wife indicated she was hungry. She had no cash nor did I. Therefore, for the first time in history I gave my debit card to our son and instructed him to go to the bank and get {$100.00} cash so they could eat. This was done with my approval and I received the receipt from him relative to the withdrawal. But this was seven days AFTER the initial withdrawal of {$200.00} from the ATM.

The bank is refusing to refund the money to my account, We are not liable for the expences and would like your assistance in retrieving the money for this theft.
Product: Vehicle loan or lease

I am requesting the audit trail ( accounting, file, ledger and transactional history ) for the consumer credit transaction that occurred on XX/XX/2022.
Product: Credit card or prepaid card

My wife and I applied for a Barclaycard credit card that offered a 0 % balance transfer. After we received it, we called and asked if we could use the card for a major life expense coming up ( {$15000.00} ) instead of a transfer and still get the 0 % deal. We were told yes, we could. We also had to ask for the credit line to be increased to {$15000.00} to accommodate this new expense. It was increased. We asked again to make sure we would have this expense at 0 %. We were told again, yes. But we had to pay the expense within a few days time in order to take advantage of the 0 % offer. ( We were both on the call and were both XXXX, we always confirm everything multiple times. ) We paid the expense the next day. 

Then our first bill lands with a hefty 17 % interest rate. We called to complain and were told, basically tough luck. 

We asked to speak to a manager, and went through the whole story and asked if they could change the terms to a 0 % card as we were promised. We were told no. We asked if they could review the tape of the first call. We were told no, that's not possible. The manager agreed that there was no reasonable way wed sign up for a card at 17 %, but they could not change it. However, she would forward it to a higher ranking manager to review the situation and get back to us within 30 days. ( This became XXXX XXXX # XXXX ). 

After 30 days, we called them back and were told, again, tough luck. They admitted we were given wrong information ( i.e. we were lied to by their employees ) but still insisted it was our fault. ( Oh, and that department does not call back customers we were told this time. ) Its outrageous that they're so unethical and unaccountable that they freely admit that they give out wrong information ( i.e. lie ), and then refuse to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america pulled my credit without authorization
Product: Checking or savings account

I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard hit on my credit report I never authorized by a company called XXXX. NO ONE never asked for my consent to obtain my credit report nor to make a hard hit. Experian never shouldve allowed this.
Product: Credit reporting or other personal consumer reports

Bank of America sold loans before XXXX  and information reappears on my credit report.
Product: Mortgage

I 'd like to file a complaint against my mortgage loan servicer Seterus , Inc . 
I 've tried ( twice already ) to apply for a loan modification program through the 'Keep Your Home California '' Program to no avail. 
Basically, they refuse to even talk to me because my late husband XXXX XXXX, who passed away in XXXX 2013, was the borrower not me. 
They do not recognize the Living Trust document which was prepared by my husband making me the executor of the estate. I am also on the Grand Deed as a co-owner of the property. 
I sent a letter to the President of the company but received no reply. 
I am a widow living on Survivor 's Benefits and have a problem to pay all of my bills. 
My loan payments are up to date but I need help to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX president contacted US Bank for the first time about two unauthorized amounts of {$160.00} that came out on XX/XX/XXXX and XX/XX/XXXX. These charges seemed to correlate with the time that XXXX XXXX  switched over to US Bank. He spent countless hours on hold and on the phone talking to US Bank fraud department and calling the supposed merchant XXXX on XX/XX/XXXX, XXXX, XXXX with no success. When that was ineffective I XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) went to the bank in person with XXXX on XXXX and spent hours trying to rectify the situation. In the end US Bank fraud department refused to refund these fraudulent charges. 

We have since closed our bank account on XXXX XXXX, XXXX and changed banks to avoid any further fraud, but we still want to recoup this money.
Product: Credit card or prepaid card

i live in florida. a texas ac company keeps adding charges to my credit card. the ac company 's listing goes to a book store ( ac charges being billed fraudulently to a bookstore should have beena red flag for compass ), not an ac company. charges for {$500.00} and {$200.00} were put on my account and i received nothing of value. 

i disputed the charges. then compass decided they were valid charges even though that would be impossible. 

the charges are being added to my account by compass and billed to me and added fees to my account, refusing to remove those fees as a result of the fraudulent charges.
Product: Credit reporting

Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all three credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX
Product: Debt collection

Some one opened a Capital One account in my name. This account was sold to XXXX XXXX XXXX. I don not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Product: Debt collection

The phone number XXXX has called me a few times a week for several weeks. The caller ID reads " LJ Ross Assoc ''. When I XXXX, this is a legitimate debt collection agency, but the number that called me does not match any of their contact numbers provided online. They do not leave a voicemail. 

When I called back I asked " I want to know who this number is that keeps calling me ''. They asked my name, I stated I would not provide that information until they tell me who they are. They read the name " LJ Ross Associates ''. I said " what type of organization are you? '' and they stated " we handle personal matters ''. I stated I would not provide additional information unless they provide more specific information and they said " Okay then have a nice day '' and hung up. 

Either a scammer is spoofing this number or LJ Ross Associates is refusing to provide additional information about the nature of their business or validation of any alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I was a victim of Transunion inquiry Issue. Reached out to their Customer Service at XXXX and spoke an agent. Transunion 's customer service was not able to handle or resolve this issue. 

TRANS UNION XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX
Product: Checking or savings account

I initiated a bank deposit for {$1800.00} on XX/XX/23 from my linked bank account using the Robinhood ( RH ) app. The money was deducted from my bank account on XX/XX/23. I wake up in the morning on XX/XX/23 to a restriction on my RH account which prevents me from accessing my {$1800.00}. Keep in mind this is the only money i have to my name. I transferred it to RH because i trusted RH and never had any issues with RH the XXXX years Ive been using the platform. I received a notice from RH asking for bank statements of bank accounts I used in the past to deposit/withdraw money on RH with. The problem is that the accounts theyre requesting information about was accounts that i had linked to my RH account about 3 years ago and accounts i no longer have access to. I called customer services and the lady basically was telling me theres nothing they can do and that i have to provide the requested information in order to lift the restriction. I requested to close my RH account and she said that i would have to get the restriction removed first. I told her one of the accounts theyre requesting information from is an account thats been closed for years. She told me i would have to get a account closure letter from my bank. Thing is, that account was with XXXX which does not exist anymore. I called XXXX to see if they can help but after giving them my info they told me they don't have any information in there system about my old account with XXXX. How can a company do this? They wait till my deposit is in their system and then lock my account. Why not request that information before i the deposit money?
Product: Credit card or prepaid card

This is a credit card with US Bank for my farm. 10 years ago this card was opened and used for XXXX XXXX. the interest rate agreement was for 8.9 per cent. After a year they raised the interest rate to 28.9 per cent. I had never missed a payment nor was ever late always paid more than the minimum. I called them to find out why they had raised the interest rate. They said it was because I had too much available credit and if I would close some of my other credit card accounts they would lower the interest rate so I did and called them back after 6 month then they said they could not lower it because I didn't have enough available credit and to call back in 6 month and they would lower it. This went on for over 10 years I continued to try to work with them. I figured I had paid almost {$40000.00} to them for a {$10000.00} charge. I repeatedly tried to work with them and they refused to work with me so after paying that much I stopped payment. I should have never been charged the 28.9 per cent it should have been 8.9 per cent and it would have been paid off 5 years ago. Basically this has been extortion. Now they are randomly pulling money out of my bank account, I have repeatedly tried to deal with them but they are just continually extorting money from me. I would greatly appreciate any help I can get on this matter.
Product: Debt collection

XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.
Product: Credit card or prepaid card

on yearXX/XX/XXXX or XX/XX/XXXX I was a client of Wells Fargo I had a debit card that I overdrawn and never paid back I also never closed the account. OnXX/XX/XXXXwhen I had a stable job I decided to start applying for credit cards to build up my credit, I downloaded an app called XXXX XXXX and I got a big surprise I had horrible credit,a big debt of XXXX from XXXX XXXX XXXX I called and they told me it was an account from Wells Fargo and I agreed to pay XXXX a month to pay off the balance because I thought this was the debt from my overdrawn account, I paid XXXX dollars a month for about 6 months until I went to Wells Fargo to see if I could get a second opportunity checking account since I was "supposedly" paying off the debt on my old checking account, and then another big surprise for me, the personal banker told me I owed XXXX from my checking account and that no payments where made to my account I got out of the bank and called XXXX and they told me the debt was about a credit card. I told them that I wanted to stop making payments to the balance since I never requested, authorized or open the account, I made a fraudulent activity the XXXX  and I really want this out of my credit because it is really affecting me.
Product: Checking or savings account

Navy Federal Credit Union has derogatory comments on my banking history that is preventing me in doing business with other banks. My account are in credit status only with Navy Federal with on-time payments and positive account balances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX  Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX XXXX t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

FCPB XXXX # XXXX XXXX XXXX, Originator XXXX XXXX We had filed a report as outlined above. We need to understand what steps, if any, the CFPB will take regarding the issues that Wells Fargo has ignored in their response. 1. They did not address the refund of the appraisal fees for their incomplete appraisal and refusal to finish the open items on the appraisal. 2. They did not address the issue regarding disposition of our application. We feel it is unacceptable for Wells Fargo to deny an application that they had agreed to approve. We were the ones that withdrew our application. We expect a written response with the detail on our withdrawal of the application. It is apparent they are trying to punish us for not doing business with them. These are two open issues and we can not / will not accept this until it is cleared. 

We would also like to be added to any and all class action suits. If you can not help us with this issue, please direct us to an agency that can. We have filed a notice with XXXX  in XXXX XXXX, IA. Would you recommend that State 's Attorney General which is our next step. This will not go away. We expect attention to this issue.
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 confidentially under 15 USC 1681. 

XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has v

iolated my rights. 15 U.S.C16 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Over the last 4 months I have had trouble making my payments to Ava, both for the credit card and the loan. When I would try to use my bank account info their system would tell me I didnt have enough funds available even though I did. So then in order to avoid a missed payment on my credit report I tried to use my debit card, which costs {$3.00} and the payment would state successful. Then when I go back into the app later it says I am still missing a payment. There was nothing wrong with my debit card. After emailing for help the first time I got a generic response that did not even address my issue. I sent multiple screenshots of both my bank and their app with thorough explanations. Then after emailing back I was told I did not have enough money or there was an issue with my debit card and to use another one. Which the audacity in the statement is wild. What kind of privileged world do they live in where they assume people have multiple bank accounts? Rather then fix their system they just say some asinine things like that. At this time my account had gone over 60 days past due so I was reported as missing a payment which TANKED my score. The entire point of this service is to help people build their credit score. It took me a week and multiple emails to get them to agree to correct it. Now this past month I am having the same issues and then some. So I went ahead and opened another account of obtain another debit card. But even after I added it the system was still trying to use my old one Once again, no helpful responses in the emails. At this time At this time I have paid the {$3.00} fee to make a debit card multiple times. At the point my credit is so dependent of this service that if I were to close score would tank even further. People are reliant on this service based on the promise of help with credit scores and they know people cant just cancel it. It feels like they are deliberately taking advantage of people that need help.
Product: Debt collection

Date assigned- XX/XX/XXXX Original amount owed- {$240.00} Date of last Payment- XX/XX/XXXX Balanced owed- {$0.00} I have reached out to this company several times about removing this charge off from my credit report, they have refused to remove it even though the account was paid in full.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MANAGEMENT CONTROL ( XXXX XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
CREDIT MANAGEMENT CONTROL ( XXXX XXXX XXXX  ) ***** Opened XX/XX/2021 Balance {$1000.00}
Product: Money transfer, virtual currency, or money service

I made an international transfer, but the bank name I used was wrong. As such, the recipient never received the fund. I called Western Union for reimbursement they said they will put the fund back to my XXXX  XXXX XXXX debit card account with no avail. I tried to call my Bank to see if they can help me resolve the situation that did not work. This is the reason I seek your help on this matter. It's been three months since I made that transfer for {$330.00}. That is the exact approximated times I kept fighting to get this resolve.