23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank closed my Macy 's American Express card due to inactivity without asking me if I still wanted to use the account. Then a few years later they said they were re-opening my regular Macy 's store card and send me new cards. When I went to use them, the had closed the account without notifying me. This is fraudulent on Citibank 's part.
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my XXXX XXXX account. Despite submitting an official police report, FTC Identity Theft report, and contacting the fraud department multiple times, Transunion have failed to adequately investigate or validate {$310.00} in charges made without my authorization on my XXXX XXXX. As a result, the balance is incorrect and is being reported incorrectly. 

Not only have XXXX reported inaccurate, unverified information to Transunion, harming my creditworthiness, but Transunion continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring their urgent attention. 

The simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 

I am officially demanding complete statements itemizing all account charges and expect Transunion and XXXX to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 

I have already suffered serious financial and emotional harm due to Transunion 's mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. I believe that Transunion is in cahoots with XXXX to keep this negative file on my report without providing adequate evidence that i made these charges. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions. Transunion also refuses to block the fraudalent and inaccurately reported account from my report! This is a blatant violation of my rights. The specific provision in the FCRA that addresses my situation is found in Section 605A. This section outlines the procedures for blocking information resulting from identity theft. According to the FCRA, credit reporting agencies must block the information within four business days of receiving an identity theft report, which may include a police report. Transunion refuses to honor this right!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax. They are currently reporting inaccurate, unverifiable information for XXXX Bank. I have asked them to delete this tradeline from my credit report, and they are refusing to do so. There is absolutely no way they could have verified and validated the debt as that company doesn't even exist. They are currently in violation of 15 USC.

I am demanding they delete this tradeline they are reporting by XXXX Bank immediately!! If they continue to refuse to delete this unverifiable tradeline I will file a smalls claims suit against them for {$1000.00} per violation of the FCRA and they will have to report to a venue local to me to defend themselves.
Product: Mortgage

In XX/XX/XXXX, my township tax office was contacted by Loan Care ( who serviced my XXXX XXXX ) and was told that a tax payment made on my property earlier in XX/XX/XXXX was not intended for my property and needed to be refunded. At Loan Care 's request, the tax collector issued a refund ( equal to XXXX quarter ) back to Loan Care - thus making my property taxes delinquent. The initial tax payment was paid from MY escrow account and was then refunded to Loan Care and NOT back into my account. I was not notified of this until my tax collector contacted me several weeks after the request was processed. 
In reviewing my detailed escrow statement, these funds were never returned to my account, although I had made all escrow payments as scheduled while Loan Care serviced my loan. The loan was since closed as I refinanced through another company, but this was never resolved. 
Over the past several months, I have contacted Loan Care 's customer service at least XXXX times and submitted XXXX requests for a " customer advocate. '' To date, I have received ZERO response or resolution to my multiple requests. The fact that my requests are being completely ignored is beyond comprehension. I need a response. As far as I can tell, Loan Care owes me a significant amount of money and is refusing to acknowledge that fact.
Product: Credit reporting or other personal consumer reports

I viewed my Credit report and there are Inquiries From Experian that are not mines. I filed an identity theft report because they were not authorized by me. There are inquiries from XXXX XXXX and XXXX XXXX XXXX that were not submitted by me. My only address should be the address that is submitted on my Identification. I have attached a copy of my state ID for identification and address validation. There should not be any other addresses on my credit report.
Product: Payday loan, title loan, or personal loan

Loan taken out XX/XX/2018 for XXXX.Payments have been paid on time, paying more than actual payment due. Per receipt balance was less than 122, called today to let the company I would be in, I was told the balance was over 200 dollars.The rep at the store had no clue as to why, so I called the corporate office. Although more than 500 dollars has been repaid this company is charging over 140 a month in fees, instead of one more payment the company is now stating regardless if more was paid than due, which should make the payment less, they continue to add interest daily to keep one in  the whole.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX. XXXX XXXX SERVICES - Account Number : XXXX Balance : {$2500.00} XXXX. XXXX XXXX - Account Number : XXXX Balance : {$5400.00} XXXX. XXXX XXXX XXXX XXXX - Account XXXX : XXXX XXXX : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to TransUnion violating FCRA 609 and 611. In letter from TransUnion dated XX/XX/2022, TransUnion stated " We verify all bankruptcies via PACER ''. Please see the attached supporting documentation. in accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), TransUnion must contact the " Data Furnisher '' in this case, the XXXX XXXX XXXX XXXX XXXX According to a letter I received and have provided to TransUnion, the courts have certified that they do report filings to CRA 's, therefore the " Completeness and Accuracy '' of this record could not be obtained. The letter is attached to this complaint for proof. I do not wish for " Re-investigation of this record as Transunion as already failed to do so. I am demanding the removing of this record as it is " Unverifiable and Incomplete ''. I will not accept a response from Verisk Financial dba LCI who is owned by TransUnion and who is also unable to " Verify '' the " Completeness and Accuracy '' of this record and has no " Permissible Purpose '' to obtain, transfer or distribute my " Personal Information ''. By providing TransUnion my " Personal Information '' without consent, LCI has violated 15 U.S.C. 1681 et seq.
Product: Prepaid card

After receiving a prepaid benefits card in the mail I called US Bank Reliacard and talked to a supervisor about the possibility of a fraudulent account being opened in my name which was confirmed by said supervisor and the most recent card replacement took place in XX/XX/2021 but I could not get any other information like known numbers linked to account or address to be able to report to the XXXX XXXX Police department in XXXX XXXX texas an identity and fraud case that has been open since XX/XX/2021. There has been a report of identity theft on my behalf to all credit bureaus the FTC IRS TWC SSA and on USA.gov. I need this information to move further along with my case so that the perpetrator can be brought to justice. If I can not get this information I need to be informed how to get this information for clear and obvious legal matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, XXXX. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
Product: Checking or savings account

I opened a HSBC Advance Checking Account and a couple of Savings accounts based on their {$350.00} bonus requirements on XX/XX/2019. 

I DEPOSITED FROM XXXX XXXX {$10000.00} on XX/XX/2019 and maintained that amount and more for over 90 days. 

After inquiring about the missing bonus, on XX/XX/2019, I was sent a message by HSBC Digital Contact Center that I did not meet the {$350.00} bonus requirements because my accounts did not maintain a {$10000.00} within 30 days since XX/XX/2019. 

The Advance Checking Account has a $ XXXX  monthly fee, this fee is waived if you maintain linked combined balances of at least {$10000.00} or at least {$5000.00} with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle. 

If that was the case, why was I not charged a fee due to not having at least {$10000.00} in my accounts? 

It is because I meet the following ... 

Advance Checking Account {$350.00} bonus requirements : Open new HSBC Advance checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Product: Payday loan, title loan, or personal loan

I applied for a title loan with XXXX XXXX on line. the only way they would approve my loan was a title loan. I discussed the contract over the phone with a XXXX XXXX agent. we discussed interest rates from 6-35 % at the highest. desperate for a loan to pay my house taxes, I agreed to the terms of contract without seeing the contract, since 35 % interest rate was the highest we had discussed. I had not seen any contract at the time I agreed. After 1 year of payments I relentlessly asked for a copy of the loan contract because my balance never became lower. I contacted a lawyer to help me since I couldn't even obtain a copy of contract. he needed a copy of contract and payment history. by now it had been one year and ten months. To my surprise I finally received a copy and my interest rate was 149 %! I am a XXXX year old XXXX  veteran, and am on a fixed income. I'm hoping the cfpb can help me enforce " the military lending act ''. This has to be a crime, how can this be legal in the United States of America for which I served proudly in XXXX. The loan date started on XX/XX/XXXX, the original loan amount was {$2800.00}. As of today XX/XX/XXXX my principal balance is {$2600.00} and my interest balance is {$920.00} .My balance is a total of {$3500.00}!
Product: Mortgage

XX/XX/XXXX I filed a complaint with the company around Loan Originations Fiduciary Responsibilities per RESPA pertaining to an accurate Escrow Analysis on a home that was built in XX/XX/XXXX( per blue prints ), used as a model home and was sold to me in XX/XX/XXXX. A home appraisal was conducted for the value of the home and I purchased home owners insurance for replacement value, however was not used to figured accurate escrow for real estate taxes for the 360 amortization schedule that was provided. In addition, my loan was sold to another bank prior to first monthly payment and my escrow was understated by a near 70 %. This clerical error increased my monthly payment by {$900.00} and has affected my ability to repay. 

I received three separate responses from the company that are attached as supporting documentation. It appears that since I used this company for the home purchase and loan originations my personal information was shared within the company departments without my consent. In addition, the loan originator in which I filed the complaint called me personally to rectify my complaint.
Product: Credit card

Tried to resolve dispute with XXXX XXXX ext. XXXX, she stated 60 days for dispute to be resolved treated in a Discriminatory manner, by XXXX XXXX. Also purchase Credit Protection on XX/XX/XXXX. Spoke with XXXX XXXX, conversation at XXXX est on XX/XX/XXXX will show XXXX XXXX discriminatory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX FIN # XXXX. 15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with linking my bank account for automatic withdrawals. Their system would not allow me to link my new account. I tried to send them emails because that is what they prefer and I did not get any responses. I had to ask my former bank to allow me to have access to the old account and re-link it and then create a new account with XXXX XXXXo link the account. However due to having to go through all of that AND not hearing back from them, my payment was late AND I was reported delinquent. 
Grain has failed to respond to my emails and when I call their number you literally can not talk to anyone because its just a recorded message. 
The only email response I get is the automatic email after I send them an email and the one advising to send detail information
Product: Debt collection

I had a lease with my roommates for 12 months at XXXX XXXX XXXX in XXXX XXXX, Texas. I was XXXX XXXX military stationed there and received my XXXX  orders for XXXX, a month before the lease was up. When I left I cleaned my room and bathroom, which remained empty. My roommate was staying somewhere else and apparently left a mess. When the lease was up they sent a bill to me and told me my military orders werent XXXX XXXX orders, which they were. I explained in an email to them, with my orders attache, that XXXX orders are treated as relocation orders since I need to relocate to my home of record since Im no longer working up there. They kept telling me I wasnt XXXX XXXX while living there which I was, so it never got resolved and got sent to procollect.
Product: Mortgage

I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX PH # XXXX XXXX HOME MORTGAGE WAS TRANSFERED TO CARRINGTON MORTGAGE SERVICES LLC IT IS BY FAR THE WORST ORGANIZATION IN YHE WORLD, DISHONEST, TERRIBLE, FALSE REPORTING REPORTING, OPPRESSIVE AND NOT TRUSTWORTHY. 
EVER SINCE CARRINGTOM MORTGAGE STARTINGING SERVICING MY MORTGAGE XXXX XXXX 2015 IT HAS BEEN A NIGHTMARE. THEY REFUSE TO SEND ME ACCURATE MONTHLY STATEMENTS, THEY FAIL TO POST PAYMENT ACCURATELY, LEAVE UNAPPLIED FUNDS THAT SHOULD APPLIED TO MY MORTGAGE PAYMENT AND FALSELY REPORT TO THE CREDIT BREAU. 
I NEED ACCURATE MONTHLY STATE IN ORDER TO MAKE ACCURATE TIMLEY MONTHLY PAYMENTS.
Product: Checking or savings account

Hello. Someone stole my debit card information somehow. On XX/XX/XXXX, someone made several purchases for XXXX XXXX and XXXX XXXX from my debit card. The total amount stolen was {$1300.00}. As soon as it happened, I called Huntington Bank to close the debit cards and report the fraud. I called them when the transactions were still " pending ''. They told me that they would look into my case and update me later. 

Two weeks later I got a notice saying that my fraud case was denied because I confirmed the purchases via a text message. However, I never confirmed those purchases. I did send Huntington the screenshot as proof that I did not confirm the purchases.

I called many times about this and even went into a local bank to talk about this issue. I spend so much time and effort into resolving this, but Huntington just does not want to help.

I have been a loyal customer for a long time and never had any issues with the bank. It makes me feel very upset that Huntington would " reject '' my fraud case because they are basically saying that I am making stuff up. It's not fair. I lost {$1300.00} and I will fight for my money.

Some things to prove that I did not make nor confirm the purchase : 1. I called THE SAME DAY to report the purchases ( while they still were pending ) 2. I canceled my debit card THE SAME DAY 3. I called Huntington a lot since then and asked them multiple times to reopen my case 4. I went in person to the bank to try and resolve my issue 5. I NEVER make purchases from a debit card. Those XXXX XXXX and XXXX XXXX purchases were THE ONLY purchases made from my debit card. Therefore, this should show the bank that the activity is suspicious and not done by me. 
6. I emailed the company multiple times 7. I was a long-time customer and NEVER tried to file a dispute before.

8. I do not have XXXX XXXX or XXXX XXXX accounts. 

Please, help me get my money back.
Product: Credit card

Wells Fargo and XXXX XXXX scammed me into getting a credit card with a {$95.00} annual fee promising XXXX XXXX  XXXX  points if I spent {$3000.00}. 
After completing this requirement, I am being told that I am not eligible for the bonus because somewhere in fine print it states that you can not get the bonus if you have had a rewards card in the past. 

I never should have been approved for the card in the first place if I could not receive the promotion, or it should have been made abundantly clear to me that I was ineligible. Or they should have denied me and offered me a different card with no bonus. I know I can not be the first person this has happened to. 
It is insane that one of the largest banks in this country, Wells Fargo, is being allowed to con people like this and stay in business. The people who organized this are crooks and should not be allowed to continue deceiving people like this. 

Additionally, I received the terms and conditions for my card, which read If you have had a card within the last 15 months, you may not be eligible for a promotion. I explained to the representative from the executive office, XXXX, that may not be eligible means that I might be eligible or I might not. It does not mean that I am ineligible. He acknowledged that I should have been notified by the bank if I was ineligible, but he has still refused to give me the reward points that I earned.