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

XXXX XXXX XXXX XXXX XXXX of my account is XXXX hello good afternoon on XX/XX/XXXX of this year around XXXXXXXX XXXX XXXX XXXX  I received an email from the XXXX XXXX that a person was trying to access my account telling me the location of this person who was XXXX from the XXXX  after this I proceeded to change the passwords of my banking application and my email so that there would be no more problems, I was very concerned about the situation because I had all my money in this account saved for several months from my XXXX work and called the bank around XXXX XXXX to tell them to help me block my account, the bank replied with " we can't help you '' then I proceeded to email XXXX with my data and photos that ask you to identify your identity, they told me that my account was already verified, I normally work at night and that day after doing all this process I went to XXXX XXXX or at XXXX XXXX I notice they logged back into my account and were shopping online at various stores like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to log into my bank app and was unsuccessful because all my account details had changed and immediately I called the bank so that they immediately blocked the cards that were being used at that moment again they told me that they could not help me that I had to wait for them all the purchases were processed and are no longer in pending status to present a dispute wait until XXXX XXXX on XX/XX/XXXX to be able to access my account since the bank had confirmed my identity again, I disputed the card and they told me that I had to wait to dispute the debit cards. this is the amount that was made with the debit card in Amount of claim : {$2700.00} Amount of claim : {$390.00} Amount of claim : {$1100.00} this is the amount that was made with the credit card The amount in dispute, {$5300.00} then call as the transactions were no longer pending to present a dispute for these purchases of my credit and debit card, they told me that both were already in a state of dispute, after three days the bank told me that there was no error in these purchases and that I would not have a refund of this money that has been stolen from me, the bank provided me with some new provisional cards I can see them in my application after this new card was used again to make the same purchases they re-entered my account they changed my data again and the bank no longer gave me access to this account without giving me a detailed report of the disputes I made. I still have no information about the latest information I have sent to this bank. I attach a photo of what it looks like This person entered my account and changed my email and phone number. 
I have also suffered discrimination from this company because although their staff speaks XXXX they refuse to speak it so that they can have better communication with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not fumish a account with out my written instructions
Product: Checking or savings account

I brought to Bank ' s attention on XXXX that my checking account was hacked and about {$43000.00} was gradually withdrawn from my account. I was told by the Bank that transaction has copy of my authorization to debit my account which I never did. Some of the money was used to purchase the guns. I requested that copy of authorization XX/XX/2024 which I have not received from my bank.The un-authorized withdrawal was going on since XXXX but nobody from Bank ever brought to my attention about unusual activity in my account.
Product: Debt collection

Did not read mini Miranda and hung up on me and keep calling twice a day after I answer the call every morning they call
Product: Mortgage

In XXXX of XXXX, we closed our ThirdFederal HELOC account XXXX having it paid off with a new HELOC  company. On XXXX we got docs mailed about the lien release. Access to the closed account was removed from our online portal. On XX/XX/XXXX, ThirdFederal drafted {$600.00} from our linked bank account. We had that amount set up as an autodraft previously. On XX/XX/XXXX I called ThirdFederal and said that I wanted the {$600.00} reimbursed. I spoke with XXXX. She told me that the funds were returned that same day. After checking my bank accounts, I let her know that it did not come back to me electronically into the same account it was taken from. I subsequently asked my bank if they saw an attempted return of the money taken and they said no and said to ask for the tracking number on the payment from ThirdFederal. XXXX was unable to assist further. We contacted ThirdFederal through the banking portal ( bc we still have our primary mortgage with them ) and asked for the ACH re-payment tracking number. XXXX XXXX instead stated in response to our inquiry, " When this happens, we hold the funds for 8 business days and mail a check to the address we have on file. I do see a check in the amount of {$600.00} was mailed on XX/XX/XXXX. The check number is XXXX and we do ask that you wait 7-10 business days to receive it. '' We waited until XX/XX/XXXX to receive the check and since we didn't get it yet called ThirdFederal again today and said so. XXXX took the call but was wholly ill-equipped to deal with this problem and had to keep placing me on hold so he could coordinate with the people who really could " help. '' XXXX came back on the phone at one point and said the money went to an account ending in XXXX as though that meant something to us. We confirmed we had no bank account ending in that account number - I even checked our new HELOC #. He also at one point said he was told no check was sent out. I asked XXXX about his supervisor 's name and he didn't give it to me and redirected the question. He said that he will call us back tomorrow after more research is done by this other department. They made it impossible for us to cancel the $ XXXX payment closing us out of the HELOC portal, took the money unauthorized, tell us they are sending it back but don't, and then give us frustrating run arounds and don't let us talk to anyone capable of giving us the {$600.00} back.
Product: Debt collection

C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert with them took action in United States District Court-XXXX, VA without notifying anyone of the lawsuit that was brought against and the order that was signed. C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert then proceeded to take action against those parties of interest in a derogatory and immature manner. ( Statements attached ) My statement includes information about restitution and whether or not an organization should restitution on my or our family behalf and at this time, I, XXXX XXXX XXXX am indicating " No. '' My response includes the fact that I have been affiliated with the XXXX before, however, after reviewing the participant that entered briefs, it has been determined that the former XXXX President filed a brief in the " XXXX '' case in which was heard by an XXXX XXXX Judge ( XXXX XXXX XXXX ). The mission of the XXXX is to protect people of XXXX against discrimination and in this case, the organization did not do so well at doing so. As a matter of fact, the " dumbing '' down of indicating it is " janitorial favoritism '' as if a janitor or other low profile individual ( s ) would receive the same amenities as a prominent individual as " XXXX '' is absurb, however, it might would be a pacifier to give a less prominent individual an amenity to disguise racism for someone trying to show that they are not XXXX, even if their race is XXXX XXXX. Again, the XXXX injured some self-sufficient and/or prominent XXXX XXXX   individuals when they drafted that brief, who are actually innovators and successful in their own right and right here in their own communities for some individuals who suppressed XXXX XXXX   progression in many arenas and painted the picture that success was better represented corruption. Despite the XXXX efforts to include or integrate other races and specifically XXXX  in to the XXXX, the mission and still focus is to advance people of XXXX in society, not aid in suppression, oppression, and degrading our XXXX XXXX leaders of notable and successful stature. The XXXX may represent people that live off of others income and success, however, I was never on of them. The community ( s ) we live in aid these individuals of all races enough with public assistance and housing vouchers. However, I and many prominent XXXX XXXX are not them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX, XXXX, equifax To whom it may concern XXXX XXXX XXXX XXXX XXXXXXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

Thank you XXXX XXXX XXXX XXXX
Product: Credit card

When I finally received a call from TD Card Services regarding another complaint, the person obviously didn't understand what I was trying to explain to verify my identity. 

I have forgotten which out of three addresses I used on my account. I provided two correct addresses that HAVE been used on the account in the past, and by the time I started getting to the third, I mentioned a city and she outright failed me saying I couldn't be verified that I didn't know my address. I was furious because she didn't listen that I KNOW I FORGOT which address I used. When you are moving a ton, sometimes you make mistakes!! XXXX " XXXX '' " XXXX '' as she called herself, said she could ask more questions, I am more than willing to provide ANY Details, and then she just sat there, not asking anything. I asked what information does she need and she was rude and said I couldn't be verified today and would have to call in tomorrow. I've been trying to get into my account for over a week, and obviously, TD doesn't want to help. 

I try calling back in only to be on hold for hours with no answer as per my other complaint. I did get angry and used some bad language out of frustration ; I keep having to deal with incompetent staff when talking to credit companies. It was apparent she didn't know how to proceed and just dismissed me to say call in tomorrow. Even if I'm angry and being beligerent that isn't " Customer Service. '' NOTE : I asked for her full name only for the purposes of my complaint, not to have personal data. She provided me with her first name and company identification number which is completely acceptable.
Product: Mortgage

The loan process started with Bank of America on XX/XX/2021. 

The loan is still in process and the loan # is XXXX for the loan amount of {>= $1,000,000} The loan has been approved and the loan was locked in at a rate of 2.625 % Bank of America sent XXXX XXXX and his wife XXXX XXXX XXXX, a XXXX XXXX a promise to reduce the rate an additional .25 % if we deposited an additional {$500000.00} with BAnk of America. 

We did that earlier this month and we still have not received the discounted rate of 2.375 % on this same loan number. 

We deposited a check from our XXXX XXXX XXXX XXXX account earlier this month and have a receipt for the deposit. 

We are still waiting for Bank of America to honor their written commitment which we have a copy of. 

We are scheduled to close by XX/XX/2021 and they have not given us the promised rate.
Product: Credit card or prepaid card

I review my credit report and noticed an incorrect inquiry for an account that is not mine and that I have no knowledge about. dated XX/XX/2018.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, Experian removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX This error was removed after multiple escalations and CFPB complaints. Experian has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/year>, Experian again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. Experian has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, Experian allowed the tradeline to remain, further damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company i am speaking on today is Experian. I was told to call them to reach out about an issue that happen where Inquires were removed from my credit report, than a short time later they were back on and it hurt my credit report bad. Below is the ones that i have issues with. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX   Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX ) XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, OR XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, MN XXXX | ( XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and XXXX. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM WYNDHAM. The first one is from Barclays Wyndam Rewards with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank Wyndham XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to Barclays and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with Barclays too.
Product: Credit card

I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting a debt of {$17000.00} with a date of last activity of XX/XX/XXXX. In accordance with Texas Law they have gone beyond the statute of limitations to legally collect the debt and made no effort to do so. They continue as of today to report the debt on all three credit reports. This is reporting of zombie debt, a violation of FCRA and Texas Law. I sent them a letter on XX/XX/XXXX demanding the cease reporting the debt and delete it from my credit report. They refused to comply and continue to report the debt in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given my consent and feel that Im a victim of identity theft from the following companies : XXXX, XXXX, and Experian. I ask that these situations be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting is incorrect, I was never late on the account. 
Please provide proof of late payment to justify the alleged late payment reporting. 
If you can not provide this, please delete from my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in XXXX. Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. I am asking to delete derogatory information from all Credit reports ASAP. Thank you for understanding and consideration of the seriousness of the situation
Product: Checking or savings account

This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.
Product: Credit card

I signed up for Care Credit to pay for some dental bills. They automatically enrolled me in paperless statements and never told me Id be hit with the full interest if I didnt pay it off in time. It was always advertised as 0 %. I just was hit with a charge for {$500.00} in interest when I had less than 2 months left to pay off the {$400.00} remaining balance. There was no heads up, email, letter, or phone call to let me know this would be expiring and that Id be hit with this huge fee. I would love help resolving this as everyone Ive spoken with says there is nothing they can do!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( XXXX ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards me.
Product: Student loan

I received a notification that I was included in a Class action Lawsuit and I could expect relief from any future payments to this institution ( Navient student loan providers ). 
This was to take effect in XXXX. 
Navient continues to demand payment, of which I had agreed to making minimum payments of {$75.00} per month. 
I inquired as to why my student loan is still being collected on after receiving notification stating that it would be dismissed and should expect repayment for a portion of the payments I have made in the past and was told my loan was from a private institution and doesn't qualify. 
I don't understand, after receiving notifications that I qualified, that Navient could state that I don't. 
I would appreciate a clarification as to why I don't. 
I meet all the criteria as outlined in the description of the lawsuit. What am I missing?
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX