23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

BOA processed a XXXX XXXX XXXX XXXX request in the amount of {$2600.00} against my credit card account even though I told them I did not make the request and had no account number in my name at XXXX XXXX  and did not want them send it. 
I contacted them the first thing in the morning when I saw the email that said they were processing the transaction. This was done on the day after I had made my regular payment on this card on XX/XX/XXXX. So when I notified them I did not request this and the account was not one I had ever heard of. They notified me they would research claim and also canceled the account and issued me a new card with a new account number. Before any response to my claim BOA compounded their error by withdrawing {$5000.00} from my personal checking account thereby zeroing out my balance. This was never explained to me who authorized them to do this and the amount was far in excess of the claim I was making on the fraudulent transaction. Told me it would take XXXX days to return the money. I immediately went to my bank and they got my money back in 2 days. For the next several weeks BOA continued to tell me they were denying my claim and put the charge back on my account. Finally went to local branch of BOA and have been working with branch manager there, XXXX XXXX XXXX who has been trying to help me but so far he has not been successful. Management just keeps saying I authorized transfer and they have added the amount back onto my balance and continue to bill me for it. They have never provided me with any proof that I requested this and since I have no account number they claim the money was paid to at XXXX XXXX  I don't know who actually got this money. Also never told me why the {$5000.00} was removed from my checking account. I do have a credit card with XXXX XXXX  with a totally different account number which I have had since XXXX and I pay balance in full each month so there is no recurring balance. After 90 days with no end in sight and I haven't heard from XXXX XXXX since XX/XX/XXXX, I have no idea if anyone is trying to resolve this. In no way am I responsible for this transaction made with BOA and will not let them ruin my credit history or pay for their error. Please make them correct this and restore my account to its correct balance. While this is going on I have been making my regular payments when due on the XXXX but the statements continue to show the higher balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still reporting wrong that I still owes XXXX account XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below 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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to access XXXX XXXX ( around {$170.00} ) from an ATM in southern XXXX. The ATM dispensed XXXX XXXX ( around {$28.00} ) and then displayed a message that the ATM was not working. ( see photos, and translated image ). I subsequently saw that CHASE bank had charged me the full {$170.00}. I decided to wait until I got back to the XXXX to call CHASE so as not to incur further expenses in phone charges. 
When I returned, after XX/XX/XXXX, I attempted to request my money back online, and uploaded images of the error code, but when I did not hear back I called CHASE. CHASE initially returned my {$140.00}, but then sided with the the financial institution in XXXX ( see letter dated XX/XX/XXXX ). I tried to resubmit my complaint, but CHASE again denied the claim. When I complained a representative from CHASE said that my evidence ( the photos ) were in a foreign language and I should have translated the image! 
I have been a CHASE customer since XXXX and I even have been paying into a mortgage with them for more than XXXX  years!
Product: Credit reporting or other personal consumer reports

For the last five years you lie and call my complaints duplicates because of your own criminal fraud behavior, ongoing. Please don't lie again and is sad truly sad. 

Now we have phh mortgage with my mortgage and property together on a letter dated XX/XX/year>. Do I deserve an answer since now you can see clearly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX are 100 percent wrong about ownership of my loan and property. Explain why are my loan at XXXX XXXX
Product: Credit reporting or other personal consumer reports

LOANDEPOT.COM LLC Account # XXXX Date opened : XX/XX/year> Balance : {$390000.00} FRAUDULENT NOT MINE
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was contacted by Ameritech in XX/XX/XXXX. They explained that they were affiliated with the federal government relief program for people who are struggling to repay their student loans. They continued to state that I could pay a lower payment for a specific amount of time and my debt would be relieved by the government. Ameritech sent paperwork giving them permission to communicate with my loan lender XXXX, my income, household size, and the terms of my loan. They clearly stated, that the money would go toward my student loan. Ameritech set up an automatic payment from my bank account on the XXXX of each month for the past 27 months. When I contacted XXXX they discussed with me that they had NOT received any of my monthly payments. The payment of $ XXXX/month that I was led to believe was being received to my loan provider XXXX was not the case. When I contacted Ameritech after receiving a letter from the trade commissioner they revealed that in fact, the money I was paying was for their services and not my student loan. At that point, I contacted and closed my " account '' with Ameritech. I also spoke to XXXX and changed all of my contact information as such to eliminate any more wrong doings with my student loan so Ameritech would no longer be able to access my account. I payed Ameritech for 27 months totaling {$2700.00}. XXXX did not receive any payments toward my student loan from XX/XX/XXXX through XX/XX/XXXX. I feel that I was deceived by Ameritech and I would like restitution for the money I paid them.
Product: Student loan

I have been steadily paying my subsidized and unsubsidized federal student loans through multiple different debt collectors since XXXX. Now this month they have all been consolidated or owned by Navient, and there's a Private loan I do not recognize that says I owe around 6k. I graduated high school in XX/XX/XXXX and applied through Fafsa in XX/XX/XXXX, got my two checks around then, one was for tuition, the other was for books and supplies. The first was in the amount of about 1300 , the second check was an even XXXX XXXX This private loan information says I received a different check also in the amount of XXXX $ in XX/XX/XXXX. I do not recognize this loan, and have already tried contacting Navient twice through email, and twice by phone. Please advise on what to do. I was so close to paying off all my student loans, then they were all bought by Navient, now all of a sudden I owe XXXX!!! Something is wrong here. I believe through the practice of selling and buying our loans to multiple companies, a duplicate loan was somehow created. Also, the school is question in XXXX University XXXX, I could not find it on the list of schools.
Product: Credit reporting or other personal consumer reports

I do believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Certain listed accounts are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion via telephone to initiate Fraud Alert. Automated system forced me to listen to extensive sales pitch for TransUnion 's identity theft product. After I declined product had to listen to another sales pitch to confirm I did not want my identity protected. I know enough about this product type to know this is not a good product for me but other people may be conned into purchasing TransUnion 's product. TransUnion 's imposition of mandatory sales pitches to customers trying to protect themselves from fraud is dishonest and manipulative because it preys on a vulnerable demographic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. These items are not transactions conducted by me as 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit with the 3 agencies for quite a while now, but recently I have been stuck at a certain credit level and no matter what I do it's just getting worse. It doesn't matter if I pay the department of education {$2500.00} for something that I was told was paid off or do exactly what the website tells me to do. 

The Experian website said I had a loan balance that was too high. That was one of the reasons for my credit being low, but now after I paid it it dropped another 7 points. So now I need to open up a new loan to get my score back up? This is complete insanity. Once I open up a new loan I'll take another hit and my credit will be even lower because I have new credit. It is not fair to hard working people struggling to just live and work, but you guys allow these credit agencies to make lives even harder. But I followed what the website told me to do. Their own site told me my loans were too high, so I paid them off. Now my score drops again.
Product: Checking or savings account

Capital one has failed to deposit my direct deposit funds by my employer XXXX on Wednesday, XX/XX/year>. I called on XX/XX/year> and was told by capital one customer service that i should see my funds in 3 hours. I am still waiting for my funds. Capital one has cited technical issue which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, i a request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan ran my credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Product: Student loan

My private loan from XXXX was transferred to XXXX, then from XXXX to Navient. Where with Navient has consistently increasing my interest rate and is up 3 % from initial distribution. I do not receive any notification of the change. My loan will never get paid off at this rate and only increases. 

I have autopay with XXXX and have never paid late and had a 100 % payment on-time record. 

This is ridiculous how my interest rate is just going up instead of going down for good performance. I have had my loan changed by 3 providers so I can not get any information from the providers about the history of my loan and Navient will not provide me with a statement of my interest rate. In a year it's gone up over 1 % for no reason!
Product: Credit card or prepaid card

This complaint is about American Express ' ( AMEX ) Delta credit card. 

Background When buying a ticket on the XXXX XXXX website, the AMEX credit card is promoted promising a {$200.00} statement credit if customers apply for the AMEX card. The way this works is that customers need to apply for a credit card and they receive an instant card number which they can use to buy the XXXX ticket and get the statement credit. 

What happened ( my complaint ) I did not receive an instant card number not the statement credit. 

How Amex is trying to defend itself Amex is saying that " the instant card has limited availability and is not provided to everyone ''. This is something that is not mentioned or deceptively communicated when purchasing the ticket or applying for the new card. I needed to buy the ticket at short notice and I was also not at home. Amex is further contending that if I had waited for my card, I could have availed the credit. This is something not proven by me and point out another unscrupulous marketing tactic on AMEX 's part. 
The other thing that Amex says is that the instant card number is visible only for 180 seconds before customers can make a note of it. This scenario is not applicable to me since I never received the instant card.
Product: Debt collection

RE : New Criminal Banking Business Practice & Complaint beside others : I am reporting New Huntington National Banks serious criminal banking business practice! 
I have already paid off the entire loan payment to the Huntington National Bank on XXXX and verified and confirmed by three local bank office managers, bankers, tellers, and Senior Vice President XXXX XXXX of Huntington National Bank Corporation, Foreclosure Department Manager XXXX XXXX, XXXX XXXX ; Assistant Vice President, Customer Advocate Team Lead Huntington National Bank Corporation, and many other lawyers hired by Huntington Bank. 
The collection Lawyers have confirmed that I have paid the payments and they all resigned from representing the Huntington National Bank. 
The paid amount record is shown on the Bank XXXX XXXX, {$9900.00} ; payment was confirmed and verified by all the above people. However, Huntington Bank has tried to foreclose on my home for more than 2.5 years. Huntington Bank must immediately stop the foreclosure, which I have lived in for over 30 years. I paid off all the payments and have never missed any payments to Huntington Bank. 

The Bank has attempted repeated collections through the Legal Department, Collection Lawyers, and many other people I have already paid through the Federal Bankruptcy Court : {$410000.00}, {$180000.00}, and many others! 

Huntington Bank : Criminal Banking, discrimination, stealing money, corruption, and against already paid Personal Home Line of Credit of {$30000.00}, financial exploitation, threat, fraud, discrimination, criminal abuses of senior citizens, committed various crimes, and repeated wrongful malicious foreclosures. Deceiving, threatening, falsifying, victimizing customers.
Product: Debt collection

Debt was paid my fianc had passed inXX/XX/XXXX XXXX and my bills sat because of my XXXX & XXXX. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus
Product: Mortgage

addition to complaint XXXX Provident is now asking for duplicate documents, typo correction from insurance company on documents they have had for weeks, wife 's professional licencse ( even though two years complete XXXX 's provided as well as employment verification through the state of FL ) and now want us to execute a new sales contract extending the closing date past XXXX/XXXX/16 even though contract already has a built in extension for compliance with CFPB rules.
Product: Credit reporting or other personal consumer reports

n 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, Account number : XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XX/XX/. 
Account name : # XXXX XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXXXX/XX/XXXX
Product: Mortgage

Refinanced my home in XX/XX/XXXX with XXXX XXXX XXXX, the amount was $ XXXX.Term was for 480 months, interest rate 1.780 ARM..Countywide then XXXX owned the loan and in XX/XX/XXXX was sold/transferred to Select Portfolio Servicing..Monthly payment year 1 was {$760.00} PI. and increased yearly to {$1300.00} by the 5th year taxes and insurance were paid by me.Payments were suppose to increase to {$2100.00} in XX/XX/XXXX so I applied through XXXX for a restructure of the balance now {$290000.00}!!!!!! XXXX proposal was {$2200.00} PI with no mention of term or interest rate..I decline as this was not going to make my financial situation any better.At that time my payments were $ XXXX.XX/XX/XXXX when the proposal was made.The account was now with SPS and the monthly payment increased to {$1300.00} in XX/XX/XXXX PIT and I continue to pay the insurance.In XX/XX/XXXX the balance was {$280000.00} the payment was {$1300.00} a month and I still paid the insurance.I retired in XX/XX/XXXX and was even worse off financially, so again I applied for Restructured Solution through XXXX XX/XX/XXXX..SPS did not respond and in XX/XX/XXXX , I called and was told that the request was never received and as it was over 90 days since the application was made a new application must be submitted and I was encouraged to use SPS own program.The forms were mailed to me completed and faxed back with requested documents..I made numerous phone calls to SPS was only able to speak with assigned Relationship Manager once and when asked for a reason for the delay, I was told that the documents were with the underwriters.XX/XX/XXXX SPS made an offer of a '' 3month trial period '' $ XXXX.I could not afford this payment and did not sign the agreement.I borrowed money from my credit card to make sure I did not miss any payment. XX/XX/XXXX, I applied for assistance with principal reduction through the Keep Your Home California Program.necessary documents were submitted and in XX/XX/XXXX {$54000.00} was paid to SPS .and was told that i qualify for further principal reduction.The documents were completed and faxed .SPS repeatedly XXXX the same documents by mail and by phone..The statement XX/XX/XXXX had no amount to be paid written down, I called SPS and was told that no payment was due.XX/XX/XXXX statement was the same, I called and was told no payment due ... XX/XX/XXXX Statement was for {$1100.00} I called and stated that I was unable to pay that amount, and was told to pay whatever I can. {$700.00} was mailed. On XXXX XXXX, I received an offer from SPS '' 3 months trial period '' payment {$1000.00}. I can not afford this payment, it appears my hardship letter was not taken into consideration and i will not sign the offer.I got a letter dated XX/XX/XXXX stating my account was in default, ,it so happened that I have never missed a payment in the 30 years that i have lived in my home, I So it is time to get CFPB involved something smells FISHY.
Product: Credit card or prepaid card

1 ) I disputed transaction for XXXX with Citibank Credit Card on XXXX XXXX, XXXX. 
2 ) Citbank sent back a letter requesting details 3 ) I sent all details to Citibank on XXXX XXXX, XXXX XXXX ) Citibank kept quiet for 2 months 5 ) On XXXX XXXX, Citibank sent back a letter that they have closed the investigation and and requested more details. 
6 ) I talked to Citibank dispute agent to understand what they needed. I informed them about the inaccuracies in their response. 
7 ) On XXXX XXXX, XXXX, Citibank sent a letter sending th 'We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received a valid credit slip. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. 
We regret that we are unable to assist you in this matter. ' 8 ) I contacted customer service on XXXX/XXXX/XXXX. It did not yield any results. 

9 ) I have other suspicious transactions too. My understanding is CitiBank just delays and discourages customers from complaining by putting disproportionate burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

My chase auto finance account ( XXXX ) is showing 30 days past due in XXXX. This account was on a deferral due to COVID with a payment not due until XX/XX/2020 as stated in the attached letter. I submitted a payment on XX/XX/2020 to satisfy that agreement. Chase had added a 30 day past due to all three credit bureaus for the month XXXX.