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

I was trying to book an international flight ticket using my XXXX XXXX card ( issued by Barclays Bank Delaware ) on XXXX/XXXX/XXXX ( Sunday ) in the amount of {$1100.00}. The next day ( Monday ) I was contacted by my travel agency saying that the payment did n't go through and that I needed to resolve the issue with the credit card company so they can re-process the charge on the same credit card else the booking will need to be canceled and re-booked at a much higher fare ( the fare had already gone up by over {$500.00} ). 

Upon reviewing my account online, I realized that my available credit was showing only {$960.00} even though I had already scheduled a payment of my balance in full over the weekend in the amount of {$1300.00}. I called in to the customer service to request if they would grant me a temporary increase for {$300.00} ( given I 'd already scheduled to pay the existing balance in full ) so that the payment could be reprocessed. I was informed that this was not an option and that there is no way for them to apply the payment today even if I was willing to wire in the money to them same day! I asked if I could transfer some of my available credit from another Barclays card to my XXXX XXXX card but was told that that was n't possible either since I did n't have the minimum of {$1000.00} in available credit needed on that card and that they could not make any exceptions for me! I even tried to ask for a credit line increase for {$300.00} but was denied after a credit check and personally speaking with a credit department XXXX ( XXXX, Operator ID : XXXX ) even after explaining the entire situation to her! 

I have several credit cards and none of them take 1-2 business days to process and apply the payment towards the available credit or at least they would have allowed me to temporarily go over the limit by {$300.00} especially given that the credit card payment was already scheduled in full! 

When I asked XXXX to transfer me to the complaints department to lodge an official complaint, I was informed that the only way to do this was by mailing a letter to the Office of the President. I did find a phone number ( XXXX ) on the " Complaint policy statement '' published on the XXXX XXXX XXXX website : XXXX : XXXX? XXXX However, this appeared to be just a general customer service number with generic options without any specific option for the Complaints Department. When I finally got through to a XXXX ( XXXX, Operator ID : XXXX ), she had to dig around for a way to lodge my complaint and was unable to provide me with a case number or a written email response that my complaint had been received and would be reviewed! I still have no assurance ( other than verbal ) that my complaint was lodged, will be reviewed and that I will get a timely response back!
Product: Credit card or prepaid card

This is regarding making payments to XXXX Visa at Comenity Capital Bank. 

I have sent two checks to pay off this account in full in the last month, neither have been accepted. These checks are in the amount over $ XXXX. I have spoken to several high level managers that claim to take care of the situation - nothing has been done. I even sent a second payment overnight XXXX to the XXXX XXXX overnight address with signature required. I verified that this check was signed for on XX/XX/20 at XXXX by XXXX XXXX XXXX They claim to not have received the check. I was told that the check must be the exact amount of the account balance and any other amount will be rejected. I made a payment that day to make the account balance the exact amount of the check. The very next day they assessed interest charges on my account which now makes the check amount too large. This bank has some serious problems that need to be addressed. The customer service is the worst I have ever seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 97 fraudulent hard inquiries on my credit report. That I XXXX XXXX XXXX never gave consent to. I want proof in writing of these 97 hard inquiries. I have no knowledge of these. I have explained that to all 3 credit agencies. So i need proof in writing of the consent or will seek legal remedies. All 97 are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion XXXX times to delete inaccurate reports on my credit report, so far they have not yet sent any information regarding this fraudulent claim they are reporting. I have sent them certified mail asking for debt verification with no response. I have also called them several times letting them know they are reporting inaccurate reports that I'm entitled to payment of XXXX per occurrence. " XXXX ''
Product: Debt collection

City bank / XXXX. From XXXX XXXX has been charged without any paper trail. XXXX they charged XXXX in interest. From XXXX till this day there has been 23 charges added to the account without any reason or paper work. I have a print out from XXXX of all purchases that I have made and a complete copy of all the statements from citi bank along with a CPA accounting and reconciliation of the two. I have been charged for things I do not have or bought via the card then charge interest of 50 % on them all of this I shall send you.
Product: Student loan

I had a small loan XX/XX/1993. It was about seven thousand dollars. I paid it off I thought as it was drafted from my check for years then just stopped so I thought it was paid then out of knowhere I had Great Lakes take a loan and now tell me it 's a consolidation loan and that I do n't qualify for loan forgiveness as I am a XXXX now they say I owe over fifty thousand dollars. This stinks of fraud
Product: Credit reporting or other personal consumer reports

My credit reports are not accurate and is a violation of the fair credit reporting act. Two of my credit reports are showing me 30 days late and the other one is showing me 60 days late. The fair credit reporting act states that my report has to be fair and accurate. Im requesting that my reports are updated so they can be fair and accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

My car was totaled in XX/XX/XXXX. My car insurance company, XXXX XXXX, sent a payoff check to Ally Financial in XX/XX/XXXX. I received a paid in full letter dated XX/XX/XXXX from Ally Financial. In XXXX I received a phone call stating I was late with my payment. I asked them to provide me with a payoff balance. They said they could not give me a payoff amount and transferred me to the title dept. They confirmed my account was paid in full. In XXXX they provided me with a remaining balance due amount but had already negatively reported my account to the credit bureau. I agreed to pay the balance if they would send something to the credit bureaus to remove the 30 and 60 day lates showing on my credit report. They said they would have the delinquencies removed once the balance was paid in full. I paid the total balance off on XX/XX/XXXX. They have not removed the delinquencies. They sent me a new paid in full letter dated XX/XX/XXXX with the same account number and information as the previous paid in full letter dated XX/XX/XXXX. I believe this error occurred, because Ally financial sent out incorrect information, and did not follow up in a timely manner to provide me with an outstanding balance. Therefore I do not think my credit should be negatively affected for there error.
Product: Checking or savings account

On XX/XX/XXXX, a bank closed my account due to me transferring money to my business partner. I provided the bank with a list of personal documents to prove that it was me who was committing the action so they wont closed it, but they proceed with closing it even after providing the documents. Originally, when a bank closes an account they send the remaining funds in a check form, but this bank decided to hold my money and requested another document after being provided with a list of others. The document they asked for was provided but was denied because they say it cant be verified even though I used the document the IRS sent to me. I, personally, feel like theyre giving me runarounds about my funds and theyre not doing well with communicating anything. I have 4-5 emails I sent to them in a day and they only respond to one maybe a few hours or even a whole day later. They blocked my number so I can only contact them via phone through 3rd party even with a pending process. They just not being cooperative and seems as if theyre holding my funds for no true reason.
Product: Credit card or prepaid card

My account has a penalty APR of 29.24 % on it. I have contacted customer service about this fee but I was just told that I have a penalty APR due to a late payment. My account was on COVID-19 related payment assistance, so I do not think that I missed any payments. I tried to find where I had a missed payment and could not find it. I am not sure why a penalty APR would be applied to my account since it was in payment relief. 

Additionally, on XX/XX/2020, I was charged a {$29.00} returned payment fee. This amount was taken out of my checking account and applied to my credit card but I still have this returned payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet
Product: Checking or savings account

This is in regards to a Family Trust account. Since my parent passed I've been going to a local Chase Bank branch many times constantly filling out paperwork to change the tax ID on the trust and get the new trustees ( children of the deceased account owner ) setup as the new account holders. Over the course of two months I kept being asked to fill out more paperwork and more paperwork but the local branch manager said it should all be fine. Then I find out some checks started bouncing and when I contact the bank it took them over 24 hours to get back to me with the answer that for some reason the back office closed the account. I did not get any notice of the account being closed and now two weeks have gone by and the local branch manager tells me he can't get me any answers as to when we'll get the money from the account. There was hundreds of thousands of dollars in the account and at this point it feels like Chase is steal from us. The money could be making interest and we now have to pay some costs to deal with our parents estate out of the children 's personal accounts since we don't have access to the money. This is absolutely ridiculous that a large financial institution can operate in such a reckless way. All I'm asking is to get my money back immediately so I can go open a new account at a reputable establishment since obviously Chase is far from that. I had similar problems with JP Morgan on the Brokerage accounts but finally did them them resolved. Chase seems to have no regard for their clients, just for themselves!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Product: Mortgage

Citizens One Home Loans took over my loan as of XX/XX/XXXX. I attempted to make a timely payment and their online payment system has an incorrect amount and is charging me a late fee from months earlier that my previous loan servicer waived. I have been attempting to contact their 800 number all week and continue to encounter hold times of longer than 30-60 minutes at times. I had a contact number of someone but they did not answer multiple calls, have not returned the call, and now I lost their number so can not contact them. In addition, I have spent all week attempting to contact the company and make my mortgage payment without success, and now they will say I am late this month.
Product: Mortgage

I wanted to report this suspicious lender I found via XXXX. They have XXXX star rating in XXXX and it looks like they didn't post my XXXX Star review. 

Story : I found the lender named XXXX from XXXX and though it was legit lender to get my VA XXXX loan refinanced. They offered me 0.75 % Interest rate while my current interest rates are XXXX. I did not know about the 0.5 % IRRRL rule until my current lender XXXX called me and told me about it. By this time, I had already completed application, me and my wife 's credit was run and I had already submitted all the documentation to this lender named XXXX XXXX. After I found out about the 0.5 % rule, I asked him why he locked me at 2.75 % rate while its not at least 0.5 % less than my existing rate and how was he going to get this approved from VA, his answer was " His system was showing everything fine and our credit was good enough to bring the rate to XXXX if necessary ''. I asked him if he can lock my rate at XXXX, he said he couldn't. 

Moral : He knew that this was not going to get approved before I even put the application and he didn't tell me. 

Please make other veterans aware of the lenders like this and don't process anything that comes from this lender for me.
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that the information included in my credit report profile, has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score in XX/XX/2018 through Experian.com agency, and never signed up for any monthly membership services but they keep charging my credit card monthly, despite my attempts to cancel it. I call my bank every month just to make sure I stop billing from them, but seems somehow they keep charging me. So upset and helpless. I was unaware there was monthly reoccurring charge, and they billed automatically.
Product: Payday loan, title loan, personal loan, or advance loan

Principal payment exceeding {$3000.00} was made on XX/XX/XXXX, reducing my unpaid principal. 

As of XX/XX/XXXX, XXXX still has my unpaid balance at the previous balance. This is more than 35 days and my FICO score does not reflect the benefit of my hard work trying to increase my score. 

This is creating a hardship for me because I have a pending XXXX XXXX that I have to finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bb & T performed XXXX hard inquires on my credit. They kept processing my application without my consent, because they kept repeating misinformation. They processed my information for a credit card without my consent.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

BB & T has built a history of questionable and in my opinion, illegal activity. My house burnt to the ground, Myself and my family lost every single piece of anything that was n't attached to our skin. My insurance company was trying to give us money so we would n't be homeless, after hours of XXXX XXXX and myself trying to get the bank to allow us access to the check they finally allowed it. We went to purchase basic goods with this money and our card was declined. We called the bank and were told that we were only allowed to spend a certain amount. This was our money that the bank spent all that time to approve us to have, they approved it to be our funds and then did not allow us to purchase what we needed to. This money was ours and the bank said they do n't allow us to spend more than a certain amount of our own money. We called all the way to the executive offices for BB & T and were told the same thing, the bank was holding our money without our consent. Previously the bank has taken our XXXX funds, when we called we had to go to XXXX different departments because everyone said they had no idea where my money went, finally when I got to the " right '' department they said they took my {$2500.00} and were holding it because they said I deposited too much into the account, they did n't give MY MONEY back for XXXX more days. Recently they closed my account without notifying me in any way. When I called they said it was because I used the account too much, again MY MONEY that they keep feeling like they can take, hold and make disappear whenever they want. Even when they knew my house burnt down and I had nothing they still did not even think about allowing me access to MY MONEY so I could purchase things for my family. This bank charged an " OLB banking '' fee for a year after I cancelled a connected account but only credited the month that I called to complain about it, they have duplicated transactions and put us into overdraft and said they only would " forgive '' XXXX overdraft exception per year. The XXXX, NC Branch needs to be investigated but their entire executive team down to their branch has shown issues.
Product: Debt collection

CKS PRIME INVESTMENTS, LLC  XXXX XXXX XXXX XXXX XXXX XXXXHAS PLACED A COLLECTION ON MY TRANSUNUON CREDIT REPORT AND SENDING ME NOTICES IN THE AMOUNT OF XXXX  THE COLLECTION IS BEING REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent my FTC Report, PA license, to Experian. I have fraudulent information reporting on my consumer report.
Product: Debt collection

Upon reviewing my credit report, I came across multiple accounts that seem fraudulent. I kindly request their immediate removal.
Product: Credit card

Opened a Chase credit card to do a balance transfer due to the 0 % APR, from my XXXX XXXX card. XXXX  XXXX refunded the balance transfer, and Chase never accepted the refund. Now I owe a balance for both cards. I spoke to both companies customer service and XXXX XXXX said they sent the refunded and there was nothing more they could do. Chase, however says they never got a refunded. They told me to wait the entire 30 days before calling back. In that time period, I am being charged a balance when I should not owe them anything. This has been an ongoing process since XX/XX/XXXX.
Product: Checking or savings account

Called Chase Bank fraud department and notified them about an unauthorized transaction on my account and provided details of how it might have happened. Chase temporarily credited my account while investigating the issue. Two days later, bank replied with the letter that upon investigation, no fraud was found and they would reverse the credit ( debit my account ) after XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes to Equifax on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
Product: Credit reporting or other personal consumer reports

TransUnion has not updated my accurate credit report after my identity theft. The other credit reporting agencies have corrected them after I followed the process to correct my credit report. I have been unable to get anyone on the phone to help and their website is an impossible maze that is not user friendly, that always leads to a dead end.
Product: Debt collection

I am a victim of identity theft This collection agency is not only reporting fraudulent account but also aware that this account is fraudulent, I sent in my police report and my FTC affidavit that is notarized. they keep verifying this fraudulent account and are not responding to my dispute. I have never had any goods or sevices with Kimball Tire aSt John or XXXX XXXX yet they knowingly and willingly reporting this fraud.
Product: Checking or savings account

I open wellfargo account yesterday. Now they close my account after i finish payong all the bank debt. They told me i can open that account again. Not even one day they closing my account already.
Product: Vehicle loan or lease

Good Morning, My name is XXXX XXXX and I purchased a vehicle from XXXX XXXX in XXXX Georgia XX/XX/XXXX. I was charged {$15000.00} down payment and financed the remaining balance of {$10000.00} through Ally Financial. I Got behind on payments vehicle was repossessed XX/XX/XXXX. XXXX being told to that the dealership I purchased vehicle from bought it from Ally Financial XX/XX/XXXX. In the amount of {$14000.00} which is more than what I owed. Ally Financial refused to pay me the overage amount. Also telling me thats on the dealership. Dealership also refuses to pay. Highly frustrated to get screwed around like this and neither party is willing to pay whats owed!
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries that were all unauthorized. 

XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX Syncb/ Amazon XXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX