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

I brought my daughter in to open an account she is XXXX and we needed my father help because he banks with Chase while we were there we were trying to access his online banking due to him calling in and closing it my father suffers from XXXX XXXX and sometimes not know what he does I XXXX XXXX is his caregiver I take care of all his bills like mortgage Cabel gaslights and we need access to online to see how the bills are being paid or if they even being paid we dont even receive paper statements I try to explain this to I believe a bank manager and he refused to help us calling me a thief that I was trying to steal from my father in front of my child. I try to explain to him how my father acts and he took it upon herself to ask my dad behind my back if he wanted to unblock something my dad said no not understanding what he was axing never explain to my father anything so he gave me an attitude very nasty telling me he wasnt going to help me telling me to get out of his bank cursing at me making threatening jesters towards me told me to get the XXXX out so I told him I wasnt going nowhere until he say it nicely and I didnt trust walking past him at the door I was in fear of my life so he said now youre gon na stay in here and lock the door and walked away so I was stuck in the bank I tried to unlock the door myself and he says oh now you wan na get out and he unlock the door meantime my daughter still is in the process of learning how to bank with chase all this happened in front of my child I was devastated I was hurt I was angry and I am XXXX  now I need him to be fired And I wan na be Compensated for my pain and suffering Ive never experienced anything like this in my life to be held against my will at a bank I was robbed of my spirit of my safety
Product: Student loan

I received XXXX in XX/XX/XXXX after working ten plus years as a social worker. I have attached the letter. I continued to check XXXX almost daily to make sure my loan balance still showed {$0.00} for almost a year. In XX/XX/XXXX I receive a letter from Mohela stating that my repayment structure has changed. To my knowledge I have no student loans anymore so I have no idea what they are talking about. I log in to Mohela and they are showing I have two loans, an unsubsidized and a subsidized consolidated loan from XXXX. Where did these loans come from? Why were they not included in my PSLF? I called Mohela who said they couldnt tell me anything because XXXX had taken back all of their XXXX information so they couldnt help me. I called the FSA Ombudsman who also couldnt figure it out and thought it might just be a mistake from the switch over from Mohela to XXXX. I have put complaints in on FSA for help, I have pending XXXX and XXXX forms just to try to get someone to even look at my account and I get nowhere. Now Mohela tells me I have payments due in XXXX. On loans that I believe were forgiven last year. I need help.
Product: Mortgage

I was told at the end of last week by the loan officer at Arvest Bank & Central Mortgage Company that he could obtain pricing of XXXX % with a XXXX % lender credit ( rebate point ) if I completed my application. I completed my application on XXXX of this week but he was only able to pull XXXX  and XXXX   credit scores because I had credit freeze on XXXX. He was able to pull XXXX XXXX XXXX yesterday when the pricing had not changed. He was asking some questions about the loan balance, but, since I had completed my application I thought I was locked. He told me this morning that he did not lock my loan and that the rate and points now had gone up and instead of paying me a XXXX % lender credit ( {$450.00} payable to me ) he now was charging me XXXX % ( I have to pay {$900.00} ) .I am now out {$1300.00} and he never once told me that even though I had completed the application and he had been able to pull all of my credit scores that my rate was not locked. Please help me.
Product: Credit reporting or other personal consumer reports

Social XXXX on my eqigax membership can acces ny credit fied or score it gives messege blank also my creditors or other creditors canr get credit report it gives them no hit this veen going on for 3 months
Product: Payday loan, title loan, or personal loan

Tried to get a consolidation/home equity line of credit loan with KeyBank on XX/XX/2023 at a branch with a personal banker who ran my credit report after having an awful experience with another bank XXXX XXXX XXXX XXXX XXXX Was told by personal banker and branch manager to not pay off credit cards as loan would be approved and they would have to close my credit cards which is wrong information as that gets reported in a negative way to the credit agencies. After another XXXX weeks of waiting with this bank when I lost XXXX weeks with the first bank, they ran my credit report again and they plummeted down to XXXX XXXX XXXX  due to me not making my payments to creditors as per the bank 's instructions. Loan was denied by this one as well. They also told me they would use my home which is paid off with no mortgage as collateral when in fact anyone knows you need to be in your home for XXXX  months before it can be used as equity. Again, wrong information given to me.
Product: Credit reporting

my XXXX score is XXXX according to XXXX XXXX. This score is based on no missed payments- green, recent cc useage - green and ratio of balance to limit on revolving accoungs is too high -- RED. However when I go to Credit Utilization below, my score is 27 % which is green. And when I look further it shows that anything under 30 % is green. So.... how can my key factors be both red in XXXX spot and green in another. Thus my score should be higher. XXXX XXXX ***********
Product: Checking or savings account

I deposited a check however my aunt gave me it to deposit because I earned my degree. It has her name on it but she allowed me to deposit into my bank account because shes an older lady and doesnt have a bank account. She wanted me to keep XXXX $ for myself and give her {$1400.00}. The total of the check was {$2400.00}. I deposited in my Chase account and it ended going well no issues until XXXX days it was suppose to clear. My account got restricted and I comely use any of my funds or transfer. The deposit cleared the XXXX of XXXX and was in my account. Yesterday I checked my statements and said there was a DDa chargeback. I called chase and they need to verify my aunt however shes old and she had a prepaid phone. Its ridiculous, the lady on the phone stated they have this money cleared for me and to be issued out as a cashiers check but thats the only way to verify my aunt which is ridiculous.
Product: Mortgage

XXXX improperly denied the borrowers ' application for a loan modification on the basis the P & I payment that it could offer through a modification ( {$1900.00} ) was more than the borrowers ' current P & I payment, which it alleged to be {$1900.00}. 
The borrowers previously entered into a step rate loan modification in XXXX, with an initial interest rate of 2 % and a P & I payment of {$1900.00} for the first 5 years of the modification. However, the interest rate and P & I payment were scheduled to increase in years 6, 7, and 8, until the interest rate reached 5 % in XXXX and the monthly P & I payment was {$2800.00}. Presently the monthly P & I payment which is being charged to the borrowers account each month is {$2800.00} and based on an interest rate of 5 %. If XXXX used this P & I payment amount, which is the current P & I payment amount, the borrowers would be found eligible for a loan modification that would reduce their interest rate to 2.75 % and their monthly P & I payment to {$1900.00}. XXXX  is improperly reviewing my application for a loan modification based on the monthly P & I payment in XXXX, not the current interest rate and monthly P & I payment which it is charging to the borrowers ' account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item off my consumer report regarding the fact experian committed a FCRA violation they deleted the information off my report so with that being said an deletion is an admission that they committed committed violation my report number is XXXX and the date i disputed this account is XX/XX/2021
Product: Credit reporting

I have already done a fraud alert I need my report so I can look over it
Product: Debt collection

In XX/XX/2019 I had an observation stay at XXXX  XXXX. A month later I received a bill from the hospital for {$5000.00} and I realized that they didn't charge my secondary insurance, only my primary. I called the hospital on 2 different occasions and provided them my secondary information to run. In XX/XX/2019 I was sent to collections for the full amount of {$5000.00}. I contact RevSolve, who is the collection company handling my account and explained the situation. They acknowledged that only the primary was charged and said that I was still responsible for the full amount, even though it is the hospitals fault for not running my secondary. They refuse to correct the situation and continue to try to collect {$5000.00}, which they acknowledge is incorrect.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my consumer rights multiple times. I have sent them identity affidavits, and I have asked them to stop reporting invalid information. I have asked them to abide by federal consumer laws and they have continued to intentionally violate my consumer rights.
Product: Debt collection

American Express is the credit card company I would like to file a complaint for. 
I applied a credit card Delta SkyMiles Gold Card from American Express back in XX/XX/XXXX  with a deal that I would receive a welcome bonus of {$300.00} if I used the card to purchase XXXX XXXX tickets and also if I spent {$2500.00} in the first 3 months after opening the account. I received the card several days later after the application but there was no indication from XXXX that I would not get the welcome bonus {$300.00}. In between, I did not receive any letter or email from XXXX that the card was provided to me but no welcome bonus that I was qualified. Without knowing it, I charged the card for XXXX XXXX tickets and continued to spend more than {$2800.00} in the first month and a half on the card. I had discussed this matter with the company 's representatives. They answered that they would bring this compalint up to the upper lever and let me know if they came up any solution on my case. After waiting for some time without an answer from them, I decided to pay my first statement balance immediately but left out {$300.00} which I was supposed to be given ( I paid them on XX/XX/XXXX for {$2500.00} ). As of today XX/XX/XXXX, I have not received any answer from XXXX regarding the status of my {$300.00} welcome bonus. So far, I had received 2 more statements which showed interest and fee of {$330.00}. I had closed my account on XX/XX/XXXX XXXX 
Please let XXXX know that I do not owe them any money and do not want to receive any more statement from them from now on. 

Thank you for the help on my case. Your time and effort is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX American Express card XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax credit reporting company additional information ion account has already been disputed .refused to make accurate reporting seen on my credit report. Scores shown on my credit inacuracted report this account is being graded incorrectly just Dispiuted. I received letters from automobile company called XXXX XXXX XXXX. XXXX, Account who ageed to resend additional letters this account wasn't never late this account settled. Before aggred. Owner name shown on the account XXXX XXXX. On his credit report correctly seen No late payments, seen on my credit report. Listed seen on my credits report late payments XX/XX/year>. Which incorrec
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over several disputes to XXXX, Transunion, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a late payment record that was reported inaccurately by Honda American Honda Finance. I had recently checked on my credit and it shows that there was a late payment reported in XX/XX/2015. My recollection of the event was that I had gone out of the country during that time and had made my payment via the internet and had logged in to pay for my account on the site. I was able to set the amount and I had clicked submit and logged off and payment had posted on my bank account as pending. When I got back from my vacation out of the country I had noticed that the payment did not go through causing me to be late on my payment. I had contacted Honda Financial Services regarding the matter and had paid the whole balance that same day. I was assured by the account representative that it's hard to pinpoint what went wrong and that there was nothing to worry about and since I don't have a history of late payment that it should not be taken against me and I have moved on from that and the same error never occurred for the remainder of the account. I had contacted Honda Financial regarding this matter and they had sent me a copy of the account via mail proving that my payment was indeed late. I am aware that the account was late as it shows on my credit the problem was why it was late when I had made the attempt to pay for my due balances the same way I have been every month before this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, AND I SENT IN ALL DOCUMENTS AND STILL NO LUCK I NEED THESE ACCOUNTS OFF ASAP. THANKS 1, ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 2. ACCOUNT NAME XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus to have addresses that arent mine removed Experian said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for XXXX I always have issues with them its just no reasoning with XXXX Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through 5000 hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with XXXX of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and XXXX and XXXX of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX  ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. Transunion is reporting that it was opened on XXXX, and XXXX and XXXX have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and Transunion and XXXX  are reporting that the payment status is unknown. Also, under the date last active, Transunion has that it was last active on XXXX, XXXX has that it was last active on XXXX, and XXXX has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.
Product: Credit card

Hello, i have been a long time american express customer with XXXX cardholders on my american express account. A couple of years ago american express began automatically placing chargers over a specific amount ( I believe it was any transaction over {$150.00} ) into a pay over time category which is not payable in full at the end of the month and accrues interest of approximately 16 %. Initially we did not know transactions were not automatically moved to this category so there were transactions for both card holders included in this pay over time balance which accrued interest and grew over time. on several occaisions i have contact american express to provide the pay over time balance and accrued interest balance disaggregetaed for each card holder. american express has been unable to provide this information to me. Having this information is imperative for card holders especially since the pay over time election is made my american express ( i asked american express to remove this function however pay over time chargers recur on my account from time to time ) and the fact that interest accrues on this balance. i will say that the reporting on the pay over time balance has improved over the years ( a couple of years ago it was almost impossible to determine the entire pay over time balance, now this information is available in summary form ) however the data available to cardholders is insufficient to properly track charges and manage monthly payments.
Product: Checking or savings account

On XXXX XXXX,2017 I mobile deposited a check from my former employer XXXX XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I was debited this same amount from my account with Citizens telling me that the check was cashed again. I went to the nearest branch to sort it out. They told me that it was cashed through a XXXX account. I was unaware of this transaction and realized that this check was stolen either from my car or my bag. I went to XXXX to let them know that my account was used in a fraudulent manner by one of their clients XXXX XXXX XXXX with the telephone number of XXXX XXXX XXXX as he used on the back of the check that was stolen when he deposited it to his account. This was done with XXXX XXXX Branch Manager of the XXXX XXXX branch of XXXX XXXX XXXX XXXX XXXX MA XXXX his number is XXXX XXXX XXXX. 
At first it seemed as if this would be taken care of but than I was contacted by XXXX XXXX from the office of the chairman at Citizens Bank. She informed me that I violated the terms of Mobile deposit by not voiding check and disposing of it properly. Obviously I had n't the opportunity to dispose of it properly as it was stolen from my property. I submitted another claim on XX/XX/XXXX and the money was returned to my account for a day and than debited out again as XXXX XXXX from the office of the Chairman launched a new investigation. We spoke on the phone on many different occasions culminating in a phone call on XX/XX/XXXX saying that I was liable as the agreement stated the proper disposal technique after mobile deposit. 
I followed up with XXXX at the branch where the check was deposited with CSR XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel. XXXX XXXX XXXX he stated that the account funds from the deposited were withheld and that XXXX fraud department XXXX XXXX XXXX XXXX has been waiting for Citizens to contact them to straighten everything out and refund my money to my account. During all this Citizens has made me seek affidavits from my former employer XXXX XXXX XXXX XXXX XXXX which he has been waiting for Citizens to send .Fill out a police report which I have done, Yet they still maintain my culpability in a case where I was the victim of theft. I find this truly unacceptable and hope you can expedite a solution that returns my funds back to my account.