23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been banking for several years at California Bank and Trust, which originally was XXXX XXXX. My husband was added to my account in 2001. My husband was diagnosed with XXXX-which is an XXXX protected XXXX in 2007. This XXXX affects a person 's judgement and causes XXXX. I informed my contact at the bank, XXXX XXXX, and he informed the branch in XXXX where we usually do business and they were helpful. My husband does n't do much banking, does n't write checks, he mainly went there to have coffee and chat. 
Unfortunately, XXXX XXXX was forced out of his position in XX/XX/XXXX and that 's when my problems with CBT began. My husband believed I had forged his State Franchise Tax board refund from 3 years ago and wanted to get his money back. The money was debited from our account. I got a call from XXXX, the operations manager and explained the situation and thought that was the end of it. 
I had XXXX the following week and when I got home there was a letter stating that the bank was closing our account because they " no longer felt comfortable '' with us as clients. 
I feel that this is a violation of my husband 's protection as a XXXX XXXX. 
Since I was in no postion to go out shopping for a new bank, I offered to close our joint account and get one solely in my name at the XXXX branch and that was refused. 
On 10 different occasions, I attempted to contact administrators of CBT or their parent bank, Zion bank and never received a call back to me. 
The best I could get was they would keep my account open until XXXX XXXX and they did n't even abide by that-I got a returned check charge from the Gas Company because CBT woul n't clear a check on XX/XX/XXXX which was a clear violation of their agreed policyI feel that they both discriminated against us and violated fair banking practices
Product: Credit reporting or other personal consumer reports

THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I do n't know if you can help or not. The person who called me said his/her name was  XXXX   XXXX  phone #  XXXX  claiming to be from the " mortgage lending department '' with my mortgage company,  Seterus. I w as told my loan modification was approved under the Obama program and in order to get the materials to me, I had to pay them the escrow acct deficit of approx {$1300.00}. Howeve r, Seterus  guaranteed me that this person did not work with them. I relayed this info to the supposed " mortgage lending dept '' and told them they are scammer and to never call me again. However, he/she called again and told them the same. Hopefully you can help stop these thieves with the phone # I listed here.     Thanks!
Product: Mortgage

When we were about to initiate a mortgage with XXXX XXXX Chase Bank in XX/XX/XXXX, we received an offer ( please see attached ) for the " Chase Closing Guarantee ''. We asked our senior home lending advisor XXXX XXXX XXXX about this offer numerous times. Initially when we started the process, we asked him on the phone. Again on XX/XX/XXXX we asked and he said he will get us the date when it starts. We never received a clear answer to what we needed to do to if circumstances would have been such that we could qualify for this offer. XXXX told us on XX/XX/XXXX it would be XXXX days to close. All through the mortgage process we would ask any of the team what was going on with the Closing Guarantee. 

On XX/XX/XXXX I spoke to XXXX XXXX lending manager XXXX and I told him I was calling him out on the XXXX Closing Guarantee offer of {$2500.00} and he said Chase has 30 days past XX/XX/XXXX to close and that would be by XX/XX/XXXX ( that never happened as I spoke to him on XX/XX/XXXX and we had still not closed ) and it is reviewed by their internal compliance team and if Chase is at fault they will pay and even if Chase is not at fault they can escalate this request. 

As time went on it became clear that we would qualify for this offer. Please see attached email sent XX/XX/XXXX to various Chase officials as to why. 

Things became so bad with Chase that I had no choice, but to file a complaint with their executive office earlier in the mortgage process. I spoke to XXXX XXXX XXXX XXXX in the executive office on XX/XX/XXXX and I asked her again about the Chase Closing GuaranteXXXX and she told me that XXXX XXXX submits the request once the loan is funded. 

We also spoke to XXXX XXXX business realtionship manager XXXX on XX/XX/XXXX asking her if the Chase closing Guarantee was processing. She was going to check on XXXX occasions and we never heard anything back. 

We finally closed on XX/XX/XXXX over four months from when we started the process and were in jeopardy of losing this house all due to Chase delays, but as of this date we have received nothing from Chase regarding the Chase Closing Guarantee of {$2500.00}.
Product: Credit reporting or other personal consumer reports

I DO NOT RECGONIZE ADDRESS PLEASE REMOVE THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

I have my Discover card on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my credit score to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called discover numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments from my credit report
Product: Credit reporting or other personal consumer reports

This company has removed all these fraudulent accounts on my credit report then placed them back on my report I have been the victim of Id theft and all the account on my file with this company are fraud I've sent in police report and if theft report and they have not done nothing then yesterday they sent a email sayin they blocked the items from my report that are from id theft. But when I checked this morning they are all still reporting on my report I attached there email to this complaint been goin thru this with this company for over a year as still nothing has been done they have been in violation of the federal law and my rights and need to be held accountable for wrong doing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX, XXXX acct # XXXX XXXX XXXX, XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Collection Services for Unauthorized Disclosure of Nonpublic Personal Information Request for Charge-Off/Collection Removal To Whom It May Concern, I am submitting this formal complaint against Credit Collection Services for violations of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, concerning the unauthorized disclosure and handling of my nonpublic personal financial information ( NPPI ). This violation has resulted in an inaccurate and unfair charge-off/collection account being reported on my credit file. 
Summary of the Issue : On XX/XX/scrub>/2024 I noticed that Credit Collection Services had placed a charge-off/collection account on my credit report with [ XXXX, XXXX, XXXX ] XXXX Upon further investigation, I found that they failed to comply with the privacy and opt-out provisions required under 15 U.S.C. 6802, which govern the sharing of consumer financial data with third parties.

Under 15 U.S.C. 6801, financial institutions must ensure the security and confidentiality of consumers nonpublic personal information ( NPPI ). Furthermore, 15 U.S.C. 6802 states that a financial institution : Must provide a clear and conspicuous privacy notice before sharing personal financial data.

Must allow consumers to opt out before disclosing their NPPI to nonaffiliated third parties.

Can not share NPPI without proper notice and consent, except under legally permitted circumstances.

Despite these legal protections, Credit Collection Services failed to : Provide me with a legally required privacy notice before sharing my financial information.

Obtain my explicit consent before disclosing my financial data to a third-party debt collector.

Give me a reasonable opportunity to opt out before furnishing my financial information to unauthorized parties.

Because of these violations, the charge-off/collection account was improperly created and reported, negatively impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.
Product: Credit card

I applied for the American Express Gold Card under the impression that it was a charge card with no preset spending limit, as advertised. This feature was one of the primary reasons I chose this card. However, shortly after I began using the card, a {$1700.00} spending limit was imposed on my account without prior notice or clear justification. 

Over the past two years, I have maintained an excellent payment history with no late payments or delinquencies. Despite this, American Express has refused to remove the spending limit or reevaluate my account, citing vague and generalized reasons. When I contacted them on XX/XX/XXXX, I was told to wait one year for a review of my account. Now, on XX/XX/XXXX, I reached out again and was given the same response : to wait yet another year. This repetitive and indefinite deferral feels like a clear display of bad faith. 

Additionally, I am being charged a significant annual fee for a card that does not provide the benefits or flexibility that were promised during the application process. This situation constitutes misrepresentation and fraudulent advertising, as the card was marketed as having no preset spending limit but later imposed restrictive limits without explanation or opportunity for appeal. 

American Express has also denied my request to downgrade the card to a no-annual-fee version, leaving me with limited options. If I close the account, it will harm my credit score, further penalizing me as a loyal customer. 

This lack of transparency, refusal to provide solutions, and continuous deflection of accountability are unacceptable and detrimental to the trust I placed in American Express as a financial institution. I am seeking a resolution that includes : Immediate removal of the {$1700.00} spending limit, or a clear and fair evaluation of my account. 
Waiver of the annual fee due to the card failing to meet its advertised benefits. 
The ability to downgrade the card to avoid further financial burden. 
This situation reflects poor customer service and bad faith practices, and I request immediate action to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX  XXXX {$49000.00}
Product: Credit card or prepaid card

On XX/XX/2020 I called Comenity Bank Card Services to validate that my XXXX XXXX XXXX Credit Card would work when used. I was assured that the card was fine and could be successfully used at XXXX XXXX. I completed the call and some 20 minutes later attempted to make a purchase at XXXX XXXX on the credit card. The transaction was denied. 

I completed shopping and eventually called back Comenity Bank Card Services to understand why my transaction was denied after having just validated, nearly an hour earlier, that the card was not locked and available for use. I pressed for an answer as to why my card was denied after being told the card was available for use. The customer service agent informed me that during the prior call the agent inadvertently activated a new card, which had yet to be mailed to me ( the expiration date on my current card was set to expire at the end of the month thus the reason for the new card ). Besides being surprised by what I was told I immediately became more concerned that a new credit card with my name had been activated for use but had yet to be mailed to me. The agent did profusely apologize for the error but could not tell me where the new card was at that time except to say it had not yet been mailed to me. 

This is a serious issue as it exposes me to possible fraudulent activity. Furthermore it exposes a weakness in the systems at Comentity Bank that allow a card, which has yet to be mailed or arrive in the hands of the consumer, to be activated for use. 

This must be a compliance issue and certainly seems to have PCI implications. I have since closed my account with Comentity Bank but this is a serious problem. The ability for Comentity employees to activate cards which have yet to be mailed to a consumer is a weakness in their system. I suspect it was an honest mistake but the problem exposes a hole that can be exploited if so desired. People should think twice about choosing a card from a merchant that is issued by Comentity Bank.
Product: Credit reporting or other personal consumer reports

I have sent in the reqeust for my proof of residence and the credit bureau is stating that they did not receive the information requested. Attached is proof of my address and my liscense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Experian has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. Experian also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. Transunion, XXXX, and XXXX all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

First, let me describe the problem and the abhorrent practices that I believe are in violation of the law. I had to do research to obtain the following information which included obtaining information from the FTC. 

I keep getting repeated calls to my telephone number by the following company : NCC ( Nationwide Credit Corporation ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX The repeated calls from NCC have a recorded message ( possibly robo dialed ) for another person to call them, even though this telephone number is not registered in that person 's name and never has been. Further, that person does not live at this address. I've had this number alone for over 32 years. 

NCC leaves only a long distance number to call them which would cost me money. No option to talk with anyone and no toll free number provided as required by law. 

The calls just keep coming, why should I have to pay and waste my money to get a lawless company to stop harassing me when I am not even a party to the debt? 

So I call the FTC & they are able to lookup a toll free number. I have since called NCC and told them that this phone is mine and does not belong to the person they seek ( name provided to them ) & that no such person lives here. I told them to cease and desist. Why should I have to waste my time & be put through all of this nightmare when I am clearly not the person they seek? 

Why are these companies allowed to behave this way? Harassing a person that they know full well is not the individual that they are after? This number is listed and anyone can see that it is not the telephone number for the person that they seek. 

This is abhorrent to keep harassing me without giving me a toll free number or an option to talk to anyone. This is terrorism by telephone and this company needs to be punished for these underhanded, deceitful & unlawful practices. 

I don't feel violated, I have been violated and it's totally uncalled for. Debt collectors are supposed to provide a toll free number if they demand a return call and they have no right to harass the innocent. Hint, my number has a very male name and the person they are after is female. Is this a reading comprehension problem on the part of NCC are do they intend to terrorize everyone with a similar last name trying to get them to pay the debt of another person? This is disgusting XXXX behavior.
Product: Checking or savings account

We had been using Keybank since our XXXX started XX/XX/2018. We had for convenience created a relationship with XXXX on our website. We had our first big event XX/XX/2018. We used XXXX " swipe '' for our evening of food, entertainment, auction, and raffle. The next day when we attempted to access our funds we were met with " unusual activity account is locked ''. As you can imagine we  were shocked and amazed that our funds we needed for entertainment, vendors etc. was being held. We had never had funds held by XXXX before. I immediately contacted Keybank to inform them of the problem and they proceeded to charge us over {$800.00} in overdraft fees. The problem was not solved for 2 weeks and Keybank continued to charge us over and over again overdraft fees. We complained to the manager, he said he spoke to his higher-ups ... nothing was resolved and they did not reverse the funds taken. We are now complaining to the Executive Team of Keybank in XXXX Ohio. We made a complaint with the Attorney General of Washington they did get to XXXX for us. XXXX continues to state they did everything right. We are stuck between two giants and we are a small XXXX. We believe that we had no negligence and no fault on our behalf. We do not understand how a bank can justify benefiting from a customers unfortunate circumstance. We would like you to approach Keybank with this problem on behalf of XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I saw unauthorized inquiries that werent there before, and I dont know how they got there. I refreshed the page, hoping it was a technical error, but the problem persisted. This situation has left me incredibly frustrated, and I need this addressed urgently by verifying the documents I submitted.