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

1 ) XX/XX/2019 : I was booking my air ticket to XXXX using the XXXX web site. My first option was to book the ticket using the travel agency XXXX, which I did. The transaction was not completed at the time of payment as the screen went into a processing loop and I did not get any confirmation from XXXX. 
Not being successful, I booked my air ticket using XXXX through another Agency XXXX XXXX.The transaction was processed and I received a confirmation. 
2 ) XX/XX/2019 : I received my credit card statement and I was surprised to see two charges for the same booking. Somehow the first transaction had gone through. I called the credit card company regarding the duplicate charges. They agreed with me and issued a credit. 
3 ) XX/XX/2019 : The credit issued by the credit card company was on the wrong transaction.They issued the credit on the first transaction ( XXXX  ) instead of XXXX XXXX. This was subsequently corrected. 
4 ) XX/XX/2019 : To correct the duplicate billing a credit was issued on XXXX. At this stage the accounts were properly settled and I was only paying for one ticket. 
5 ) XX/XX/2019 : The credit company re billed XXXX, so that now I was paying for two tickets for exactly the same transaction. I have no idea why they did this.
Product: Credit reporting or other personal consumer reports

I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, XXXX and TransUnion are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.
Product: Checking or savings account

On Friday, XX/XX/XXXX at XXXX I deposited {$500.00} cash on a US Bank atm at my branch on XXXX XXXX, XXXX XXXX  XXXX KS XXXX The money was deposited fine, I even paid some bills with it. A few minutes later my account was negative and online banking said atm deposit reversed! I immediately talked to the branch manager, he told me to call US BANK line, talked to someone who told me to wait until end of the day, I asked for a supervisor that told me to start a REG claim and to talk to my branch manager again. I did all that and was told to wait until Monday so I can hear from a higher up and hopefully get my account funded! That did not happen!! She wrote an email saying I need to be patient and wait for the process. I asked to speak with the District manager and was told he doesnt see clients. I even reached out to US bank social media department as I am desperate and need this money to pay rent as I also had another check deposit made the same day to pay all my bills and this created a big financial mess for me!!! I now have a late fee for my rent and had to borrow money from a lender with huge interest and I keep being told to be patient I JUST WANT MY MONEY AND ALL FEES THAT THEY CAUSED ME TO HAVE.
Product: Credit reporting

Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time. 
The " Account Status '' button up top was the closest option to my situation. Technically, the status of my payment history on my account is incorrect and it needs to be fixed. 
Thank you.
Product: Credit card or prepaid card

Attempted to purchase from XXXX XXXX XXXX aka XXXX XXXX {$130.00} for school uniforms online XX/XX/2018 AMEX refunded money when same company did not retrieve payment from my account on XX/XX/2018. 
Assuming AMEX error placed a 2nd order {$120.00} paid for via my XXXX card. These items were received. 
One week ago AMEX gave me a NEGATIVE balance for {$130.00}?? 
They FORCED a payment to XXXX XXXX XXXX. 
Then DEBITED {$130.00} when my Social Security check was just deposited. On the SAME day the COMPLAINT was filed. 
Did not perceive my bank and merchant were thieves. 
Filed a complaint with AMEX. Claim it takes 45 days to Credit my account. 
Spoke with XXXX XXXX ( XXXX ) on XX/XX/2018. 
They transferred me to XXXX XXXX ONLY able to leave a message. 
As above date zero RSVP. 
Please Help. I am on a fixed income just trying to help my grandkds. 
I am accustomed to paying for ny own mistakes NOT the mistakes of others.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we have to delete wrong accounts from my credit report. Can you see if there are any mistakes in the documents? Some accounts listed have wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX back in XXXX XXXX XXXX that they were reporting inaccurate, unverifiable, fraudulent account. The fraudulent account that they are reporting on my consumer report Macys, I sent a FTC report along with a 609 ( a ) 1 ( A ) letter advising the describing of the user and accuracy and completeness of the information is herby requested with-in of completion of investigation. There was no proof of the alleged idea, specially the contract, note or other instrument baring my signature. Under federal law, they had 30 days to complete the investigation and fail to provide me with those instruments verifying the validity of this information. This item must immediately removed from my consumer report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
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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. 

Account name : 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 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: Mortgage

We believe we were the victims of bait-and-switch tactics on the part of Wells Fargo Bank ( WF ), and in particular its home mortgage consultant, XXXX XXXX. 
Initially, XXXX XXXX asserted that we could obtain a XXXX ARM at 2.625 percent if we put down XXXX percent of the purchase price. After competitive bidding, the purchase price was {$820000.00}, which would make the down payment {$240000.00}. The loan should have been {$570000.00}. 
We requested a 45-day escrow in lieu of what had become a customary 30-day escrow in the area. That request was agreed upon by the seller. 
As the requests for various documents flooded in from the bank, we became exasperated because the requests often duplicated themselves. At times, documents we sent them digitally would arrive and we would have to resend them because of confusion, the source of which we did not understand at the time and which we do not understand until this day. 
During the escrow period we had a terrible time dealing with WF because we were constantly shifted between XXXX parties, including XXXX XXXX. It often seemed that one person did not know what the other was up to. 
We were notified about XXXX weeks into escrow that we needed to show proof of funding. In other words we needed to show that we had liquid cash ready to pay the down payment. The WF staffer, XXXX, told us the amount was {$290000.00}. I asked how that was calculated, considering that XXXX percent of XXXX is XXXX. XXXX told me she would have XXXX XXXX call me. 
When XXXX XXXX called me he gave me this unbelievable explanation : WF calculated the amount of the loan it would provide based on the first bid we made on the home when we were competing with other buyers. That amount was {$770000.00}. And although the final bid was {$820000.00}, XXXX never raised the offered amount of the loan to XXXX percent of the higher amount. He pointed out that the loan offer of {$530000.00} is XXXX percent of the initial {$770000.00} bid we had made and {$530000.00} is the amount shown in our paperwork. 
Perhaps naively, when I went through the paperwork, I never thought to doubt XXXX XXXX 's word that WF would be providing us with a XXXX percent loan, which would have amounted to {$570000.00}. So while the eventual amount of the loan was {$530000.00}, we were being short-shrifted by {$46000.00}. 
It was our mistake to trust XXXX in this transaction and not check its numbers. Nevertheless, WF had no business basing the loan amount on an intermediary bid that had no substance in fact. 
As a result we were forced to sell {$46000.00} worth of investments just when the stock markets had taken a tumble. Most of these investments were dividend-paying equities on which we depend for income. So not only did we further deplete our resources but we were forced to reduce our income stream. Add to that that we will probably have to pay additional capital gains taxes on our sold investments. 
We believe that Wells Fargo 's - and especially XXXX XXXX 's - conduct was reprehensible and that they should be censored at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX OF XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE MADE MULTIPLE REPORTS AND YOU ARE IN VIOLATION OF ( 15 u.s.c. 1681 ) : I reviewed my credit report recently and noticed an account that was not reporting accurately, I had an INCORRECT LATE PAYMENT MARK on an account that I in fact paid on time. Here is the Account details with an INCORRECT LATE PAYMENT MARK. According The consumer reporting fair credit reporting act ( 15 u.s.c. 1681 ) agencies, MUST report all information with complete accuracy, this account has not been late on payments I have attached a copy of my report to this complaint on the following date ( XXXX ) for account : XXXX XXXX, XXXX I'm now requesting you EQUIFAX XXXX NOW IMMEDIATELY UPDATE this account and update the payment on ( XXXX XXXX ) FOR XXXX XXXX, XXXX XXXX to paid on time immediately BEFORE FURTHER LITIGATION PROCESS. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with XXXX, he said XXXX do not allow credit deletion. I try to explain to him that this was sent to collections by mistake. XXXX confirm that they sent the bill to the wrong address. I then ask to speak to a supervisor and he disconnected the call. 

I call back making this call number 2. Spoke with another representative that told me they try calling me and got " wrong number " this is XXXX my phone number is not wrong and is still working. When I asked to speak to supervisor again they disconnected the call for a second time. 

I find this to be rude and very unprofessional. Should not be hung up on just because I want to settle a debt.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit record. Can you review the paperwork? Certain accounts mentioned are incorrect in terms of reporting, with inaccuracies in amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I did my taxes thru my XXXX XXXX account again this year and when it came in I immediately hit the transfer button to send it to my Experian XXXX Checking account. I use that as my main bank, so when I did it said funds won't be deposited until Tuesday so I hit ok. This was on XX/XX/XXXX. So Tuesday came and went, nothing ever to this day shows up in my checking account. XXXX XXXX said that they are going to do an investigation on it and gave me a case number and sent me an email with a tracking number and explaining that they did not have the money that my bank did which is experiential checking I call Experian digital checking and they tell me they don't have the money so all I know is it's my tax refund and I need the money and I don't know what else to do I hope you can help. The amount of my return was {$900.00}. the amount that I transferred was {$870.00}. this is the information that XXXX XXXX gave me the recipient ID is XXXX XXXX ob the tracking number or XXXX number is XXXX and the date was XX/XX/24. All I know is I need my refund this isn't fair to me it's been 2 weeks now thank you looking forward to hearing back from you have a great day
Product: Payday loan, title loan, or personal loan

I signed an online loan agreement with MoneyLion onXX/XX/19. Loan # XXXX in the amount of {$500.00}. Payments of {$43.00} began on XX/XX/XXXX. Toward the end of XX/XX/XXXX I  decided to exercise my right to pay the loan in full by use of my debit card ending in XXXX. They advertised that by using a debit card my payment would be credited instantly. My card ending in XXXX ( which they had on file ) had an expiration date of XX/XX/XXXX. Before my attempt to make the payment in full I received my updated credit card ( same account # ending in XXXX ) however it had a new expiration date ( XX/XX/XXXX ) and a new 3 digit security code. I attempted to update the card on the MoneyLion app but was unsuccessful. I called them several times in late XX/XX/XXXX and early XX/XX/XXXX. Each time I was put on hold from 1 - 2 hours and then told they were unable to update my card either. On XX/XX/XXXX I spoke with a supervisor who gave me a ticket # XXXX. He promised a resolution in 3-5 days. Today, XX/XX/XXXX, I called again. I was on hold a total of 2 hours and 3 mins. I was then told they still couldnt get my card updated and again I was unable to pay the loan off. Meanwhile interest continued to accrue. There is nothing wrong with my card. I use it almost every day. There is over {$1000.00} in the account and Ive been with this bank for more than 20 years. Ive tried everything I know to do to work with them to get this straightened out but despite hours of my time, to no avail. Please help.
Product: Checking or savings account

3 online payments were made to a mortgage servicing provider for a closed mortgage loan account ( it was transferred to another mortgage servicing provider ). Funds were not received by said provider and I was told to contact Chase who insists the online payments were processed and sent. Multiple back and forths have transpired between Chase and XXXX, with zero success. 3 online payments of {$2600.00} from Chase to XXXX were made XX/XX/23 and are stuck somewhere? Chase says they no longer have it and XXXX insists they never received it.
Product: Student loan

XXXX XXXX continues to assess a penalty fee of {$8.00} on every Direct Debit payment. I have attempted innumerable times to remove this fee via the online portal. All efforts have failed. All inquiries have fallen on deaf ears. Please see that the additional fee is removed immediately. This is just one more example of XXXX XXXX unethical and unlawful billing practices. The Department is on notice and is therefore complicit in the illegal conduct. As a veteran who proudly served this country, I find this conduct atrocious. Both organizations should be ashamed. 

XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent a dispute to Experian Credit Reporting agency to dispute error on my credit report. I understand the investigation can take anywhere between 30-45 days ; with in that time frame I still have not received any response. I sent another letter Dated XXXX XXXX with in detailed advising that I did not receive an response from my previous letter & listed the items that I am disputing with more details of the dispute. 

Today is now XXXX XXXX I still have not received an response / update of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX it was announced that Equifax Inc. systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent letters to XXXX, XXXX and Transunion expressing my concern regarding me not providing permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that reporting of this information be blocked and deleted. My request to block is NOT being made in error ; NOR is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Bank account or service

US BANK made an unauthorized credit inquiry to my XXXX credit file