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

first horizon bank is not keeping proper records of transactions and a deposit hold that they have placed on my account. the 2 monthly statements i have do not reflect the actual ongoing situation which is that my available balance has not matched my actual balance for 39 days now. they are unresponsive to my requests to close my account. they are cancelling scheduled payments and transfers without recording their actions in the permanent bank account statements or transaction record. this lack of the usual level of banking recordkeeping practice makes me concerned that their actions are more extra judicial than merely holding a deposit beyond the legally established time limits. they also tell me that there is no internal bank oversight that i can appeal to. they have other courses of action that they can take other than to avoid permanently recording evidence of an improperly extended deposit hold. if they corrected the error in my available balance by updating it to match the current balance today, there would be no evidence of a 39 day inability to use the funds in my account in the official account statements. and thats not right. they are doing this to perhaps thousands of customers who they say received business payments into personal accounts. i was told that some of these situations have duration of over a year. perhaps that was meant to discourage me. or to encourage my submission of this complaint. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has placed multiple Fraud alerts on my credit profile. I have reached out to them to remove these as this is hurting my ability to get new credit. I am not allowed to make any changes using online TransUnion portal, they are not willing to do it over the phone. I have sent multiple written requests still there is no resolution. 
I have spoken to supervisor in the Fraud department of TransUnion but I am being ignored with multiple excuses. I have sent written requests using : 1 ) Certified mail - ( most recent - XXXX ) 2 ) USPS priority mail express ( most recent - ( XXXX ) This has been very stressful to both my personal and financial life. I am reaching out to CFPB to help me out with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account named 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I Pulled my consumer report on XX/XX/XXXX and noticed inaccurate information. 
incorrect and inaccurate amount on Experian says {$270.00} for payment but XXXX payment {$0.00} both not accurate and incomplete.Balance reported on XXXX is {$5000.00} but Experian reports different {$6200.00} which their not accurate.XXXX reports I owe a balance but I'm current as well which is not accurate as well. Consumer can't owe but be current with payments. 
Date Open on Experian is XX/XX/XXXX but date open on XXXX is XX/XX/XXXX which is incorrect and not accurate. 
This is in violations of the law of FCRA 15 USC 1681 SEC 3 5A - If the completeness or accuracy of any information on consumers file is disputed. The agency shall conduct a reinvestigation if inaccurate or incomplete or can not be verified shall be deleted in accordance to 1681 I sec 3 5a, and 1681 s 2 ( a ) ( i ) date open XX/XX/XXXX Last Reported : XX/XX/XXXX on XXXX but on XXXX it says different Date open XX/XX/XXXX and Last Reported XX/XX/XXXX which is inaccurate violation of the FCRA 15 USC 1681 SEC 3 5A. 
THIS IS DAMAGING MY CREDIT REPORT AND MY LIFE.
Product: Mortgage

My complaint is against SLS mortgage services. I have been trying to get my PMI removed since XXXX 2021. I inquired about it getting removed because my house has now appreciated where my house has at least 20 % equity. The servicer referred my account to a mortgage company that called several times to try and get me to refinance. I told them I was not interested in refinancing but removing PMI. SLS finally agreed to get an appraisal done in XXXX. The appraiser came to the house and appraised it. I followed up for status and Sls has no record of an appraisal but one was completed. This somehow meant I needed to get another one according to them. I refused becausw I didn't want to pay for a second appraisal.This is cost me several months of PMI. Please help me. I have written XXXX  All I want is the mi removed because I qualify and with housing prices where they are there is enough equity to drop the MI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking XXXX, XXXX, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts
Product: Consumer Loan

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Product: Credit card

I am writing to you today to address a matter regarding the 30-Day late payment that have been reported in my credit report with Avant , LLC company on XX/XX/XXXX XXXX 
I am writing to kindly request a goodwill adjustment to have this late payment removed from my credit report. 
I have been a loyal customer of your company for a few years, and I pride myself on maintaining a good payment record. However, due to unforeseen circumstances, I faced a period of financial hardship which resulted in a late payment. I assure you that this late payment was not a reflection of my character or my commitment to honoring my financial obligations. 
I want to emphasize that I have made every effort to catch up on any outstanding payments and have consistently made 99 % of my payments on time. I understand that late payments can have a negative impact on my credit score, which in turn affects my ability to secure favorable financial opportunities.
Product: Debt collection

Parties : 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX at XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Assitant Manager XXXX Subject : Re : XXXX XXXX Dear XXXX - I am extremely disappointed. I am trying to get to the bottom of why there is a collections account filed for me? When I turned in my door keys and mailbox keys to you in XX/XX/XXXX, I asked you whether there was anything else needed. You stated that everything had been finalized and gave me a receipt. You indicated that there was no balance owed and you took my mail forwarding address for any further correspondence. I did not receive any communication from you. However in XX/XX/XXXX, a collection agency called me and said that I had an outstanding balance. I thought that this must be a mistake, so I called your office to find out and I even emailed you as seen below. I have not received any correspondence from you or your office and unfortunately, a collections has been placed on my credit file. 

XXXX, we both know that I do not owe any rent to XXXX XXXX XXXX. I have kept all of my receipts, all of which are signed by your staff as paid. I have pictures after my move that show that there was no damage done to the apartment. So, I can not imagine why my account was sent to collections. I have repeated asked for someone to show me a balance sheet to see where these charges originated. However, I have yet to receive this information. My requests for information are being ignored and yet my credit is being negatively affected. 

From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX Assitant Manager XXXX Subject : Re : Apartment XXXX XXXX - did you send an account to collections for me? I moved out in XX/XX/XXXX and I received a notice from a collection agency that stating that I owe a balance. This is not true. I do not owe a balance and I did not owe a balance when I moved out. I was never notified of any such balance and when I turned in my keys, I was not told of any balance. Since I moved out, no one contacted me letting me know that there was a balance and then out of the blue, I get this notice and the collection agency has been calling me demanding that I pay money that I do not owe. 

I would like to know what is going on? 

Regards.
Product: Vehicle loan or lease

We believed that our final car payment of {$400.00} was taken out on XX/XX/XXXX, as is normal. No XXXX payment out, as was expected. 

I had XXXX XXXX on XX/XX/XXXX, so I made sure all my bills were handled before. 

On XX/XX/XXXX I received a letter in the mail that I from Chase stating " ACTION NEEDED : Please call us about your auto account '', stating I had a past due auto payment that was due XX/XX/XXXX. 

As mentioned, I was recovering from XXXX XXXX, so as soon as I was back up and mobile and looked at the letter I called Chase. They advised me that their system couldn't pull an amount other than the {$400.00}, confirmed the amount due ( it slightly increased due to interest in the mean time when I was recovering ) and to log into their Payment system to pay. 

I did this, and the payment cleared my bank over the long weekend on XX/XX/XXXX. To my shock, Chase also took a SECOND payment of {$400.00} on this date. This second unplanned {$400.00} led to 6 {$38.00} overdraft payments over the long weekend directly as a result of this secondary payment that we did not authorize. 

When I called immediately on XXXX to let them know what happened, XXXX let us know that it was my fault we hadn't killed the monthly {$400.00} auto payment AFTER the loan was paid off. 

Why they weren't automatically able to take the {$400.00} in XXXX but then mysteriously could again in XXXX they have never been able to explain to me. 

They advised a 10 business day hold on " the reversal '' of the {$400.00} that I didn't authorize, and then they for the second time told me that they " killed '' the normal autopay, which I had already asked they do when I called about the XX/XX/XXXX letter. 

I asked for help on the 6 overdrafts on XXXX and was told they would " escalate '' this, as I explained I was on XXXX from XXXX XXXX and that my family literally didn't have grocery money now as a result of this. 

I have been given the run around by multiple reps, multiple transfers. That 40 hours has turned into XX/XX/XXXX, and when I called again yet today for a status they advised me that they had to YET AGAIN kill the autopay a THIRD TIME and advised the reversal of the payment was due XX/XX/XXXX. Again, they gave me the run around on the fees, insisting I had to fill out a form online. 

When you fill this form online out, you get a call from a number that looks like spam, they leave an 800 number and then you go through the entire process all over, and are directed back to the same form and promise of an " escalation '' - meanwhile, I'm out nearly {$700.00} in a pandemic for PAYING OFF MY CAR LOAN like a responsible person. CFPB is my last resort for help! 

The Chase Auto Division transfers me to the " back office '' to discuss overdrafts, they immediately transfer me back to the Auto Division, and the cycle continues, no one will give me an actual answer as to who to talk to about the overdraft fees.
Product: Payday loan, title loan, personal loan, or advance loan

At XXXX on XX/XX/XXXX I sent this email to XXXX XXXX. Please Cancel Any XXXX  Permanently for account number XXXX I spoke with a representative at Netcredit in XX/XX/XXXX to not use Autopay from my XXXX account. My Bank was notified last week not to receive or pay netcredit from this account At XXXX I sent this 2nd email to XXXX XXXX  XXXX at XXXX XXXX. I paid off XXXX Loans on XXXX occasions of XXXX Someone other than myself made a horrible mistake as I just realized I've been a Victim of Theft. 
My XXXX checking account information was stolen and utilized for cash advances I did not authorize. 
Do you realize how intrusive identity theft is? 
My account was compromised. 
I am a XXXX XXXX XXXX  XXXX  whom has been victimized unwittingly with my information being used at XXXX XXXX XXXX Nevada XXXX. 
I'm just being made aware of this and have contacted my bank at XXXX to Stop any and all transactions from any XXXX  XXXX and Netcredit. 
I have initiated Stop Payments with XXXX and I will be forwarding All this information to the Attorney General of the State of Wisconsin and asking them to Investigate my disputes of major errors as to cash advances totaling {$6000.00} and investigate XXXX XXXX. 
Correspond via email or US Mail.
Product: Debt collection

Purchase items from my XXXX XXXX credit card but through XXXX websight. I returned all items of clothing. I purchase shes 3 pair. only items I kept total $ Payment Payment Date : XX/XX/2018, Payment Amount : {$20.00}, contacted via email bal is incorrect, they ignored and billed me for XXXX when bal was XXXX. I called today and now my bal is over 100.00 reps are rude, refused to help me, added late fees and items I returned. manager claim she would transfer me but hung up. They have no right and refused to assist
Product: Credit card or prepaid card

I stayed at XXXX XXXX in XXXX and XXXX, ND at least 5 times between XX/XX/2020 and XX/XX/2020. They demand a {$25.00} hold on the account for accidentals, but they are using an algorithm to calculate random amounts at any denomination and holding periods for any duration of time without limit. The first was over {$450.00} and wasn't released for at least a month. The last was a {$25.00} posted charge when I was not present to give them my card after they listed an approx. {$82.00} hold instead of the {$25.00}, 5 days eariler. The bank refuses to allow any dispute process for abuse of pending transactions and demands that you can only dispute charges once they are posted. An authorized approx. {$120.00}, depending on how many times I stayed there, was held at approx. {$1000.00} over 3 months with no legal policy to request to dispute authorization to place permanent seizures of funds in accounts by merely listing them as pending and never either posting them or removing them. After the third incidental hold, {$25.00}, posted to my account totaling incidental fees of over {$130.00}, and I wasn't there to authorize any hold, I tried calling the bank for 4 hours after disputing transactions and they would not allow me access to the account stating that verifying my identity was not authorization to an account and I have to verify the status of transactions under dispute to access the account, every representative pretended to transfer me to another representative or supervisor, one person claimed to be a supervisor and transferred me into the call system instantly, and they refused to close the account because they won't answer the phone or stay on the line.
Product: Debt collection

I am writing to you once again regarding the complaint/dispute I sent on XX/XX/year>, concerning inaccuracies in the credit report related to my Target Credit Card, account number ending in XXXX. Despite your response dated XX/XX/year>, asserting that the information reported to the credit bureaus is accurate, I must dispute this conclusion and insist on a more thorough investigation into the matter. 

The inaccuracies I initially reported, pertaining to the last date of activity, payment history, account number, and balance, remain unaddressed and unresolved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reported about my credit history. The discrepancies currently reflected in my credit report can significantly impact my financial well-being and creditworthiness. 

I respectfully request a detailed explanation of the investigation process you undertook in response to my initial dispute, including any evidence that substantiates the accuracy of the reported information. Furthermore, please provide me with the names and contact information of the individuals or departments who verified this information, as I am considering seeking legal counsel to further pursue this matter. 

Please understand that the FCRA provides consumers with the right to sue in federal court for any violations, including the failure to properly investigate a dispute. I am prepared to take such action if necessary but hope we can resolve this matter amicably and promptly. 

I expect a response within 15 days of receipt of this letter, detailing the steps you will take to rectify the inaccuracies on my credit report. Your cooperation is greatly appreciated as we work together to correct this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We were told by Ford Motor Credit that we qualified for the COVID-19 measures to be excused on our XX/XX/2020 car note payment. Upon looking at our credit we have a late payment on our credit and we would like to get that updated to reflect paid on time. We have contacted FMC and they have informed us that they will correct the late payment three months ago, and the payment is still there. This late payment is hurting my SBA loan and while we are still on lockdown we can not obtain additional funding.
Product: Debt collection

I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an XXXX  an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give XXXX XXXX XXXX no authority to sell my information to FBCS , INC.
Product: Bank account or service

On XXXX XXXX, 2016, my ( now closed ) account ending in XXXX was breached. Not by a someone impersonating me, but by the teller at Chase - at their XXXX branch in XXXX. I live in XXXX XXXX, XXXX 

After taking XXXX out of five days off work to resolve this issue, I was specifically told by a Chase employee here in XXXX ( I have recordings of said conversations ) that the ONLY way for someone to withdraw money in person is by A ) either having a debit card, which they did not have. Or B ) by providing a valid form of ID, which the person did. It was not a fake ID with my face or name it, it was their real ID. I have since discovered the person 's name, XXXX XXXX. CA ID number XXXX. 
When presenting solely an ID, it is then up to the teller to VERIFY that the person and banking info match. This is done by verifying they 're address, name/ID number, or social security number. Clearly, none of these steps were taken as the teller then provided MY account information and handed him a withdrawal slip of {$1100.00} from MY account. 

Now, I have since been told by your executive office that this is all covered under your Deposit Account Agreement, which I signed. On that note, I would like to point out that I have thoroughly read said agreement and it specifically says you are covered when it comes to " Fraudulent transactions, '' more specifically : " Although we attempt to identify and prevent fraudulent transactions, we have no duty to you to determine whether any check you deposit or cash is forged, counterfeit, altered, improperly endorsed or otherwise improper. '' Clearly, there was no attempt at a fraudulent transaction when it comes to my case. It was the teller who provided my account information, therefore the error was ENTIRELY your- the bank's- fault. 

Even under article XXXX, " Rules Governing Your Account, '' you use the term FORGED. No signature was forged, therefore said agreement is no longer is valid and you are, in fact, liable. It was the teller who provided my account information, not the other way around. You said to contact you with new information, and I have. 

I stick by my original request for compensation in having my credit card paid off. On top of that, I ask to be credited for the week of work that I missed. The amount being, {$1200.00}. 

XXXX XXXX, I have tried contacting you twice but you continue to stonewall me. Know that I have recorded conversations with all the Chase employees I spoke to and who openly admit this is entirely the bank 's fault and should not have happened, and that the appropriate steps were clearly not taken to verify my identity. I expect a prompt response, and for my requests to be met as swiftly. If not, you have left me no choice but to go the legal route. 

Thank you for your time. 
Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

In XXXX of 2019 my fiance and I applied for the chase sapphire preferred credit card. We found this card attractive based off the 0 % APR for 12 months on purchases and balance transfers, additionally the travel perks were a plus. When we received our second statement from chase we noticed an APR was calculated to our balance. I called Chase and spoke to a very un-helpful gentleman named XXXX, after 20 minutes of XXXX telling me that only applies to balance transfers, I informed him if he looks at chase sapphires features it states the 0 % APR also applies to purchases, XXXX put me back on hold only to come back and tell me that while that offer exists, it did not exist at the time I applied for the card. 

I have a few different credit cards and would have never applied to a card that did not offer 0 % APR for the first 12-18 months, it is a general rule of thumb I have
Product: Debt collection

For over a year I 've been receiving robo-calls, adnauseam from a company that shows up on my caller ID as one of 3 names -- XXXX XXXX XXXX, XXXX or Municipal Services. The calls come 7-days-a-week and will start early morning and go right up to XXXX mst. 

If I answer the call, they hang up. If I do n't and it goes to my voice mail the message will say either to call the number and that it 's not a sales solicitation, etc. Sometimes it will say the call is for someone by the name of " XXXX XXXX ''? I 'm not him, do n't know him, have never met him and have no idea who he is. 

I used to get a message from the Municipal Services robo-call message telling me an arrest warrant would be issued for me if I did n't contact them. That 's actually illegal under the Fair Debt Collection Act to threaten to do something that you have no intention of doing. 

I mailed a cease and desist letter to them at the following address and told them I know of no such person they are trying to contact and I would file a complaint if I received another call from them. I stated in the letter that they may call me one time and one time only, just to verify they received the letter. I just got another robo-call last night on my voice mail.