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

I was approved for and activated an American Express ( Delta Platinum ) credit card onXX/XX/XXXX,  and incorrectly assumed that the annual fee of {$190.00} would be waived for the first year and that I would receive a companion certificate for airfare purchase. Once I found that out, I called in more than once to speak with Customer Service, to see if that could be negotiable. I was ultimately told NO on XX/XX/XXXX, and so on that date I cancelled the card and closed the account, and paid off, on that same date, the {$1200.00} that I owed in purchases that I had made ( minus the {$190.00} annual fee that I had decided NOT to pay since I was not going to keep the card ). Now, keep in mind that I had already, on XX/XX/XXXX, paid off the first statement I received for {$250.00} - which included the {$190.00} annual fee ). Then, I asked AMEX to simply allow me to do that and have us be " done with each other. '' Again, on that same date, they said NO - that I still owe the {$190.00} annual fee, plus {$34.00} in fees & interest. Keep in mind that I only had the card for 6 weeks! I followed up by letter, again requesting that, since I paid off what I purchased, and had cancelled the card, to please close all business between us, to which they responded by letter, again saying NO - that the charges were correct. <P/>Now, what can I do? I am getting monthly statements, with additional fees & interest, for a credit card that I have already closed, paid off purchases for, and I feel both harassed and trapped. Can I stop all of this without having to pay these charges that I disagree with? The most recent XX/XX/XXXX statement has me " owing '' {$270.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.
Product: Mortgage

I have submitted an insurance draft to Shellpoint mortgage for endorsement over a month and a half ago, still have not received the check endorsed back, every requested document has been sent timely and every time I call I receive the same answer " it is processing '' I have requested to speak to a manager who never took my call. It is a {$35.00} XXXX and I don't understand how lengthy could endorsing a check could be. Please help since I am really frustrated with the lack of response and proffesionalis showed by this company. 
Regards XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX loan # XXXX
Product: Credit card

I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report.
Product: Mortgage

Direct financial llc bought my mortgage from XXXX in XX/XX/2016. I have made all payments on time. I received. Late notice in XX/XX/XXXX so I called and they said I was a month behind. I sent proof that my XX/XX/XXXX payment went to XXXX and I 've paid on time from last XX/XX/XXXX until present. They are ruining my credit by stating I have missed 4 months! I have pulled my online accounts and every payment has posted on time! I received another late notice in XX/XX/XXXX! My payment posted on the XX/XX/XXXX. Please help me with this matter. I am in the process of looking to buy but there is no way with 4 missed payments on my credit report
Product: Checking or savings account

I deposited {$9500.00} cash into my U.S. bank checking account on XX/XX/2023 and suddenly my account was frozen. US bank told my account is under review for closure and wouldnt give me an explanation why or date when I would get access or receive my funds in the mail. I have been banking with US bank for some time now and never had an issue until now. I am seeking your help to get access to my funds. Please
Product: Credit card

This is my fifth complaint against these people yet nothing is ever done about it. Im writing again due to three charges on my credit card account that i need credit for two were fully returned to the merchant and the other one was a cancelled order..first Home Depot in the amount of {$180.00} i had placed severall orders with Home Depot one of which was cancelled due to supply issues. The order was cancelled i never recived the merchandise but was told that a refund would be issued which it never was. I have sent documantation over severall times only for Apple card to say i didnt submitt enough documantation. What more do they need i sent the svreenshot showing the order was cancelled. The second order in the amount of {$170.00} from XXXX I uploaded documents showing that the merchandise was returned to XXXX and that they refunded me but on my apple statement it shows refund denied. The third charge {$240.00} the merchant issued a partial refund of {$210.00} but not the whole thing i returned the whole order back to them. I nedd the remaning balance refunded back to me.
Product: Debt collection

On Friday XXXX XXXX, 2017 I received a call from XXXX at XXXX on my cell phone. When I answered the call an agent asked to speak with me and I responded " speaking ''. The agent then went on to state my address and and said she had some documents in from of her and asked if I had received documents from National Credit Adjusters. The agent failed to state the Mini Miranda before asking me questions.
Product: Checking or savings account

My PPP LOAN was deposited into the account on XX/XX/21 they closed on XX/XX/21 My money has been missing for quite some time now so I finally reached out to USAA and they filed a dispute to find out where the funds went. They responded today saying that {$6100.00} was deposited and those funds were applied to an outstanding balance and the remainder sent by check however I had no outstanding balance whatsoever and Ive never received a check for any amount from USAA. Theyre telling me to reach out to the lender which Ive done XXXX times which is why I reached out to the bank because all my lender knows is that it was funded and with this new information it in fact was funded just not to me! Im asking that they immediately return those funds!! Also my account was closed with zero warning for no reason they claimed its as because no recent deposits and claimed they sent a warning guy they never did that either I would like that investigated as well. Ive had so many issues with this bank including fraud which Ive never gotten my money back from which is why I stopped making deposits into that account in the first place. Now this! I have attached proof that my account was closed with no balance and that those funds were deposited yet Ive never received them.
Product: Mortgage

We successfully short sold our home in XXXX of XXXX. The process was easy and fast. Everything was done flawlessely or so we thought. Seterus has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over XXXX delinquent. I have reached out to Seterus several times to have this corrected. They have yet to do so. It is almost XXXX full years later and they need to be held accountable now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Address : 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 XXXXXXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Product: Mortgage

Huntington Bank HELOC Truth in Lending Violation. 
XXXX Received Customized Proposal based on completed home appraisal : was 4.94 % minus a .40 % discount for a {$40000.00} draw at closing. On my first log-in to set up my online banking, my % rate was 5.6 %. Only fix offered to me was to redo the entire loan and do another {$40000.00} draw and still would not get the rate promised. Additionally, I was told by XXXX XXXX, I can lock my rate at any time for {$75.00} or remove the lock for {$75.00} which is not the case. As informed today i can lock it, but it will be even higher the my current rate. 
Signed the loan docs and returned to company on XXXX, notarized, received nothing from them until XXXX. 

Program Home Equity Line of Credit Prime Rate 5.25 % Line Amount {$100000.00} Margin to Prime -.31 % Initial Interest Rate 4.94 % Available Balance {$100000.00} Monthly Interest Payment {$0.00} No closing costs. 
Annual fee of {$60.00}. ( The initial fee will be charges on your first billing statement then annually, thereafter. ) Lock your balance into a fixed rate at any time. 
Offer above includes either a 0.25 % discount for taking a new money draw at closing in the amount of {$25000.00} or for line amounts {$40000.00} and above the rate includes a 0.40 % discount for taking a new money draw at closing in the amount of {$40000.00}. This discount does not apply when refinancing an existing Huntington Bank line or loan unless an additional {$25000.00} or {$40000.00} is being financed.

The APR for the home equity line of credit is variable and can change monthly, but will never be higher than 18.00 %.

The Floor rate for the home equity line of credit is currently 2.96 %.

Home Equity Line of Credit variance is tied to US Prime Rate - currently prime rate listed in table above.

Making only the minimum payment during the first 10 years will not reduce the principal balance on the account. 
Offer is based on customer estimated property value of {$570000.00} ( 17.54 % LOAN TO VALUE ).
Product: Student loan

I have a pending IDR application for my federal student loans from medical school but Mohela has continued to accrue interest on my loans. Mohela should have placed my account in an administrative forbearance so I am not accruing interest but they have taken no actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE INQUIRES REPORTING ON MY FILE THAT I DIDN'T AUTHORIZE. I'M SUBMITTING MY COMPLIANT ALONG WITH THE LETTER I CREATED WITH THE FOLLOWING INQUIRES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request to XXXX XXXX the creditor ) to provide me with documentation which they have refused numerous times to comply with. Per FCRA guidelines the creditor must comply with providing requested documentation to the consumer or the account must be removed from credit reporting. 

I paid a collection account in full in XX/XX/XXXX. I received a paid in full notice from the collection agency who received the payment. In XX/XX/XXXX I opened an account with XXXX after comfirming my previous account was paid off. Later that same month the account appeared in collections again with a new agency. I contacted XXXX and asked for them to investigate which they did. XXXX stated the payment made in XXXX was returned in XXXX, XXXX weeks later. I received no notice of such from my bank. I asked for XXXX to supply me with a copy of said payment reversal which theyve refused and told me to obtain any documentation from the collection agency that I had paid, which has been out of business due to COVID-19. I received a notice of the full balance due from a new agency and paid a settlement offer just to stop fighting with XXXX. They are not compliant with FCRA guidelines, and theyve now been paid hundreds more than the original full balance paid in XXXX. Please see the attached correspondence as well as the paid in full notice dated 1 month AFTER XXXX claims the payment had been reversed. 

This dispute has been filed directly with Experian as of XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2020 I used the XXXX application to deposit a check for XXXX into my personal checking account. When I did not receive confirmation that the check was deposited I redeposited the check. However, after researching further, I identified that I had incorrectly deposited the check the first time into my business account rather than my personal account. I realized this shortly after the deposit ( Friday afternoon ). I contacted both the originating bank ( my XXXX XXXX Checking account ) and Chase via electronic messaging. Both checks were funded by Chase on Friday afternoon. I don't know how this could have happened since the check was made out to XXXX XXXX, which I signed as XXXX XXXX, and it cleared and was funded toXXXX XXXX XXXX XXXX  ( my business account ). On Friday, the check had also been funded to my personal Chase account. I knew then that there was going to be a major problem because the originating bank didn't have XXXX to cover two XXXX checks. That's why I alerted all parties involved. Also, I did not expect that XXXX XXXX was fund the exact same check two times. The first check cleared and the second attempted withdrawal was returned as insufficient funds. On Monday, I contacted XXXX XXXX and they advised that only one check had cleared and only one had been presented for payment and that I would need to contact Chase to resolve the issue. I did so and was advised by Chase that they could cancel the check that was deposited to my business account. They cancelled the transaction. Low and behold, Tuesday morning, my personal account reflects a negative balance ( the XXXX funded had been reversed due to insufficient funds ). I spoke with both XXXX XXXX and Chase yesterday for no less than 2 hours and 5 separate Chase representatives to resolve the issue. As of the writing of this complaint, I still have not received the XXXX. My personal account is negative, the money is out of my XXXX XXXX account, and the money is no longer in my Chase business account. Each party is pointing fingers at the other while I sit here incurring bank fees, negative balances, and no access to my XXXX. I might add, I am in the process of buying a house ( which is why I transferred the XXXX from one account to the other ) and none of this is going to help with my credit. Please help!
Product: Credit card

I was totally unaware that XXXX & TD Bank have ended their XXXX XXXX as of XX/XX/XXXX. I have had this account since XX/XX/XXXX. All of my credit lines are paid with 100 % credit history and I take that very serious. I have initiated a phone call with TD Bank on XX/XX/XXXX once I was made aware trying to use the card on my XXXX app. I asked if there was anything they can do like transfer my line of credit to other products they offered & I was advised there was nothing they will do. I find that very hard to believe that a bank can do that to a customer. My credit score has since decreased due to a closed account & less total credit limit. I noticed that today XX/XX/XXXX the credit account was already reported to the bureaus as closed. I just wanted to voice my concern because I feel like I should have been transferred to another product instead of a closed account.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries ; I lack any information on them, and the company acted without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I recently found you are reporting on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report with a report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report and I am requesting you to please remove them as soon as possible : 1 XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$1800.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting Act section 605b, please remove the fraudulent items as soon as possible.
Product: Checking or savings account

Repeated statements for Checking Account opened at Bank of the West, XXXX XXXX with fraudulent ( non-existent ) person. Correct address and last name as current residents, however made up first name. 

Account was likely opened without any proof of valid identification.
Product: Debt collection

Told them to stop calling me. the debt was already charged off.
Product: Checking or savings account

navy federal froze my checking an saving accts XX/XX/2020, they stated they are doing an audit, with no answers an whats going on, i only got questioned about my SBA loan. They put me on hold to look up registration status while on hold i did the same an saw the listing with the Secretary of state showing i owned the business, they finally came back on the phone an stated they couldnt find me as the owner???????
Product: Credit card or prepaid card

XX/XX/2021, I as approved for a Wyndam Barclay charge card. I requested on a recorded line that the card be sent to me via XXXX  XXXX XXXX for a charge of {$15.00}. 
This was not done. Instead the card is being mailed to me. 
This causes a problem. 
I have stayed on the phone for hours and hours and have not been able to get a account specialist.
Product: Payday loan, title loan, or personal loan

This is a Home repair loan from Wells Fargo Bank that was forged with a fake digital signature from their partner in business XXXX XXXX XXXX XXXX XXXX Company. It was a setup with the intent to finance the project with a Predatory XXXX. The interest rate is near 30 percent, my credit score is around 840. There was no full disclosure, no truth in lending.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I observed several unauthorized and fraudulent inquiries. These include : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the three credit bureaus. XXXX, XXXX and Equifax because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.