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

Had a fraudulent situation and they closed my account still after finding out I dont have anything to do with the situation and kept my remaining funds.
Product: Student loan

I called XXXXXXXX XXXX today XX/XX/18 to pay off my remaining balance of {$3500.00}. I was told that my payment couldn't be processed because they do not except Credit Cards nor Debit Cards. I was never told this prior to taking out a loan. The company says that they are non-profit but obviously they are profiting off of students interest rates. 

The person I spoke to gave me a sob story about how they have been burned in the past with stolen Credit Cards and that is why their policy is the way it is. Then later in the conversation she said well we never excepted Credit Cards nor Debit Cards ... misleading and lying to students doesn't really seem professional. 

I want to pay my student loan off, I have great credit, and a 0 % interest rate for 15 months. So what is the real reasoning for their idiotic policy? Tender is tender, why hasn't XXXX been introduced to the 21st century?
Product: Credit card or prepaid card

I've been a XXXX Rewards Visa ( Barclays ) card holder since XXXX of XXXX. I have always paid on time, never carried a balance, and my credit score has always been strong ( XXXX ). It was my daily go-to credit card due to the good rewards program. 

On XX/XX/XXXX my account was closed by Barclays without prior notice. A week letter I received a form letter saying the cancellation was due only to " a history of account usage ''. This is terminology from the Terms and Conditions as a valid reason for account closure and points forfeiture. However, there was nothing about my account usage that was suspicious or unusual that any customer service agent could indicate. The phrase is so vague it has no meaning -- every credit card has a history of usage.

Barclays has every right to end our business relationship, but my primary concern are the significant balance of reward points I had at the time of account closure -- XXXX points -- which are worth between {$2700.00} and {$4100.00}, depending on how they would have been redeemed. Of course, I always chose the best redemption method, so to me they are worth the larger amount. 

Barclays has always advertised this card primarily based on the rewards program, and so I believe it to be false advertising to award points at purchase time but then cancel the card without notice before these points could be used or transferred out. 

I made several calls to customer service on XX/XX/XXXX and spoke with a variety of different departments, none of which could help me other than confirm my points were inaccessible.
Product: Checking or savings account

On XX/XX/XXXX my mother passed away. On the advice of my attorney ( he is in NY and I now currently live in XXXX ) I submitted an affadavit in support of funds to have the funds from the account sent to me. On XX/XX/XXXX they closed the account and said the funds were sent to me. I have never received this check and have since been in constant contact with Keybank in XXXX, NY to have the check stopped and reissued to me as stated in the affadavit. This should have been a simple task and now over 3 months later I am still fighting for it.
Product: Mortgage

I began my refinance with Freedom mortgage in early XX/XX/XXXX. All documents requested were provided to Freedom Mortgage by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I was not asked to provide an additional items and was informed the refinance with moving forward. I had been requesting status by email on the following dates : XX/XX/XXXX, XXXX & XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. A detailed or proper response has not been provided. 

During this period my wife had no choice but to purchase a new car and take out a loan. However, her income is not being used to process the refinance. I have provided the information regarding the loan but was told an initial credit check was needed. We began this in XXXX and I have not provided any information why the initial credit check was not completed. The other item is an initial title review. The title report was available in late XXXX. Therefore, the initial title review has been delayed over a month. 

We continue to pay a higher interest rate and are looking for new employment but this is delaying us making any moves to help better our lives.
Product: Checking or savings account

i always have the money in the bank so my payments go thru but for some reason the bank always waits til my funds are low and i have to pay the bank always so i have to pay big bucks to the bank and its hard on me bc i have go get my check and it just goes go the bank bc i owe them which i think its not fair this has been going on since ive opened my account i need this to stop or can anyone help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

There was that a computer glitch with their database on 2 separate occasions ( XXXX and XXXX ) with Transunion. This was TransUnion 's problem - not mine which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They refused to transfer me to someone that could help me and hung up on me, in fact. These inquiries have added a hardship and that my rights were violated by TransUnion.
Product: Credit card or prepaid card

Completed the product change process with Wells Fargo to change current credit card (XXXX XXXX Visa) to a different credit card (XXXX XXXX XXXX) offered. Spoke with agent about doing product change versus applying new and based on the discussion thought that because Wells Fargo chooses to do a hard pull against credit bureaus along with closing down your current account to establish a brand new card account with no history or carryover, that it would result in brand new promotions being applied. It’s the equivalent of applying as a new application and yet does not appear to come with any of the new account perks and only negatives.I asked the representative during the product change if the bonus points would apply and based on the textbook response thought that it was implied that they would. There may have been a breakdown in communication between us.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX Late Payment $ XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Collection {$1700.00} Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

The presence of XXXX XXXX records on my XXXX XXXX  is distressing. I urge you to swiftly rectify this situation and update my XXXX XXXX accordingly. Your XXXX response to this issue is greatly valued.
Product: Credit card

Capital One closed my account without due cause. Capital One accepted my application which is a letter of credit that is treated as a receivable asset for Capital One. As the only original holder I have equitable interest in this account and Capital One is required to return the payments to me from my investment. Capital One has not yet paid any money due to me and closed the account. Since I can not benefit from my own asset I want the application closed and all security trading to cease. 

Capital One is also furnishing inaccurate information to XXXX to damage my reputation. I can not be late on an account that has equity and the interest should be applied to the balance each month.
Product: Credit card or prepaid card

Requested line of credit from XXXX XXXX, and was notified to call in for further information needed. Barclays then requested I photocopy my drivers license, social security card, and bank statement or utility bill, and mail them in to an unnamed post office box. When I told them I could not send those items through the postal service, as placing all those documents in one place put my identity at unreasonable risk and I would like to verify my identity through other safer means, I was told that was not possible. To be clear, I should never be asked to put those documents in the mail. I offered to walk them in, they said that was not possible. Now, though having an 800+ credit score and an excellent debt to income ratio, I have been forced to either jeopardize my identity or take a penalty on my credit score by having to withdraw my application and apply to another credit lender. This is an unacceptable choice that I should not have make. They notified me that this was not a credit bureau request, nor a request from the government. They insisted that it was company policy. I have never been asked to mail in this information when applying for credit. I feel something is amiss here.
Product: Debt collection

I have reached out this company on several occasions asking them to validate this accounts information for it is not mines. 
I've requested this information directly and indirectly to Ginny 's. 
Dates as follows ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and countless other dated to the Bureaus. 
Ginny 's INC Account number ; XXXX
Product: Credit card

There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against me.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history.. I have asked to have them updated to paid as agreed, paid on time, never late. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE IN EACH ACCOUNT LISTED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE : ( XXXX XXXX )
Product: Bank account or service

Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.
Product: Credit card or prepaid card

XX/XX/XXXX Chase Credit Services sent correspondence lowering my credit line during " annual '' review. Issue comes into play as follows : 1. Letter indicates call/respond any isssues/concerns 2. Sent response XX/XX/XXXX, 4. XX/XX/XXXX, called Chase to have " nothing we can do '' script re-read to me numerous times 5. XX/XX/XXXX, resent replies to the above 6. XX/XX/XXXX, receceved phone call from Chase rep to really re-state initial script, this time not condescending My concern : I have had this account since XX/XX/XXXX ; currently not late, never late, on-time payment history. Credit card ( Chase ) utilization 36 % credit limit. 
Chase now lowers limit ( XX/XX/XXXX ) which now puts my utilization at 96 % - this is now a credit " hit '' .. Chase will re-consider by pulling a new credit report, with my approval, but this at a cos to me ... another " hit '' to my credit, as this is hard-pull. 

My other credit accounts do have high usage .. but all have long histories with creditors and NONE OF THEM ARE LATE AND HAVE STELLAR PAYMENT HISTORY. 

Understand Chase can determine who and how much to loan to ... but by lowering this credit limit this drastically affects my credit in now another bad way ( lowers my score even more and with suggested hard-pull, lowers it again - and stays on report for 2 years. 

How do consumers who are doing the right thing, pull out of these type issues, when the financial institutions that make claims to help are really not. Again, believer businesses need to underwrite accordingly, but there are portions that hurt this very same consumer ... and to have representative repeat a script is not helping either. 

If institutions can somehow pull a report to determine a lower credit line without affecting credit, why can they not use this to make a reconsider or underwriting call? Very frustrating. Especially since the calls also make me feel as if I am in the wrong or not have not been making payments or holding up my end of credit card responsibility with Chase. 

The available Chase representatives do not seem to able to assist, so my only stop is here. 

Thank you so much for your time to review.
Product: Credit reporting 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 U.S.C. 1681 XXXX XXXX XXXX  XXXX account number XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( 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 annotates the report by more than 7 years.

15 U.S.C. 1681 S-2 ( A ) 1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

A fraudulent transaction was made on my credit card on XX/XX/XXXX2017 for the amount of XXXX dollars with a promotional super check that was mailed out to my old mailing address where I would reside with my ex partner. The check was fraudulently used and signed with a forged signature by my ex partner. The check used was not filled out properly, therefore making it non-negotiable. Wells Fargo did not secure my credit card account at all by allowing this check to be processed. I have submitted a fraud claim and a reconsideration claim explaining why this transaction should be removed and cleared from my account but Wells Fargo keeps denying it with the reason that the signature on the check belongs to me, I have explained to wells Fargo that the signature is forged and is not mine. I feel wells Fargo is not taking the time to investigate my case thoroughly. I believe as a consumer I am entitled for my credit card company to investigate this matter correctly and not just use the reason of the signatures matching.
Product: Debt collection

I received a debt collection bill in the mail XX/XX/XXXX from Enhanced Recovery Company for the amount of {$410.00} for XXXX XXXX XXXX XXXX XXXX, I reached out to the company and its for someone who used my social security number and my name but in XXXX XXXX Michigan. I live in Arizona and have never in my life even been to XXXX nor do I know anyone there nor did I give anyone permission to use my personal information. I also see another charge for XXXX on my credit report from the same company Enhanced Recovery Company. Both accounts show they were open in XXXX of XXXX. These do not belong to me and this is fraud.
Product: Mortgage

Tried to pay off mortgage after receiving pay off quote given by Mr Cooper. Was given different amounts to pay each time. Spoke to 4 different workers who gave different stories as to why the wire transfers sent on XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2900.00} and XX/XX/XXXX {$2900.00} were all returned. One said the amount was wrong, another said it was being applied to the principal and not payoff amount on their side and it would not accept it as being applied incorrectly, another said she didn't see any of the wires and the last one we spoke with today said to disregard the bank name to wire to and to use the mr cooper mailing address and name as the bank name instead- but refused to put that in writing. Which is completely different from the wire instructions we received. XXXX XXXX tried to wire the payoff to Mr Cooper payoff wire instructions to XXXX XXXX but it was returned saying the bank account number was incorrect. The worker we spoke with today said the number was correct and exclusive to our home mortgage.An additional payment was accepted by the website for {$1300.00} on XX/XX/XXXX but the worker today said we are unable to make any more payments online or by phone as they have it in a payoff status and can only accept wire payments or cashier check. They refuse to provide a physical address to hand deliver a cashiers check anywhere in the United States where we can bring it in and get a receipt. After a string of errors dating back to XXXX I refuse to send in a check that can be lost, misdirected or otherwise rejected and they are saying that they can only receive wire transfers or mailed in cashiers check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid data on my credit report with Equifax. please delete an remove all information submitted asap.
Product: Credit card

Citi card account ending in XXXX. My address changed, and Citi refuses to change my address. Citi mails a new credit card to the old address ( where fraudulent charges could occur on my account without my consent or knowledge ). Citi claims that the account is closed, but refuses to update my address and ships new card to my old address ( identity theft and fraud ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX ( 3 Bureaus ) and 60 days late as of XX/XX/XXXX ( XXXX XXXX XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.