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

I applied online for a credit card from Walmart through the linked website of XXXX XXXX, Creditor XXXX XXXX XXXX XXXX XXXX, FL XXXX I was denied due to an " insufficient credit history on file ''. 

It seems to me, if a credit history was needed, I could have been given the opportunity to provide credit references, as they do not appear on the XXXX Credit Report the Bank used for reference, nor on the initial application for the credit card.
Product: Checking or savings account

I've been a customer of M & T bank since XX/XX/2007. At that time I used them as my primary banking. After some time I have spread out to other banks and accounts. Over the years, I would send funds to my M & T back account each month. I didn't use it as an active account but, I wanted to hold a balance with them. 

Recently, I was able to log in to my account and found out that each month they were taking a {$14.00} a month service fee from me for a service that I do no use. I spoke to customer service and they were able to refund just XXXX months but, said I have to go to the bank if I wanted to resolve it further. I went to the bank and the cashier wouldn't help me at all. She ended up changing my accout over to an account that doesn't have this fee as another period were money was taken out.She also had to change the phone number and address on file. 

I want my money back.
Product: Checking or savings account

XXXX CST on XXXX, i am unable to access any of my accounts. I have tried logging in via my app as well as the website, and it displays an error that it is currently down. The bank 's website appears to be having technical issues which is preventing me from accessing any of my funds and conducting my necessary transactions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowed the same collection agency named XXXX XXXX XXXX to put the same charge back on my credit report for {$180.00}, after I had submitted proof to them of my Identity being stolen through an official Identity Theft filing with the CFPB. The company tried not to disclose their full legal name on my credit by just adding an " S '' at the end of their name instead of writing out XXXX XXXX XXXX, therefore, which made it difficult to officially research the company. I have never had any dealings nor do I have any knowledge of this company and charges. As reported to Transunion, in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am a victim of Identity Theft. A copy of filing is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to Equifax as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL.
Product: Mortgage

In the middle of XXXX I was in the process of fixing and paying Carrington Mortgage Services for a XXXX  Forbearance plan. Rather than choose to refinance my mortgage ( at unfavorable terms ), I decided to make lump sum payments to correct any missed payment or anything owed due to the forbearance. 

I applied an extra lump sum payment in the amount of {$3400.00} ( XXXX times my mortgage payment ) on XX/XX/XXXX. This was automatically sent by my bank in error as I had not turned off the auto bill payer. I immediately called Carrington to attempt to get the payment reversed. They informed that this was not possible and that they would just pay my mortgage for XXXX, XXXX, XXXX with that lump sum. To me, that left a difference of {$680.00} that I would need to pay in XXXX to cover my mortgage payment. I structured that payment with my bank and had it paid automatically on XX/XX/XXXX. 

XXXX Mortgage decided to disperse these funds in an entirely different manner, paying a principal curtailment payment once on XXXX and then again on XX/XX/XXXX. These actions led to a missed payment in XX/XX/XXXX because they had used my funds in a different manner than discussed. I specifically asked the Carrington rep if any additional steps needed to be taken on my end to ensure the {$3400.00} would be distributed properly - I was told that I did not need to take any action. 

On XX/XX/XXXX I received a late notice from Carrington Mortgage that my XXXX payment had not been made despite my bank sending the finds on XX/XX/XXXX. Carrington applied that XX/XX/XXXX payment to XXXX, in error, and then also applied a {$510.00} curtailment payment. 

I spent XXXX hours on the phone on XX/XX/XXXX with some helpful reps that tried to make sense of these mistakes. In the end, I had to pay {$450.00} to bring my mortgage current and Carrington submitted a request that the curtailments be applied to XX/XX/XXXX payment in the amount of {$1000.00} thus leaving me with the {$450.00} payment.
Product: Credit reporting or other personal consumer reports

This complaint is a request for action. 

I want EXPERIAN to remove all the soft inquiries off my report and deny any access for any entities to utilize soft inquiry through EXPERIAN 's information systems. Soft Inquiries are an invasion of privacy when they are being allowed without consumer consent and when the credit report is in security freeze status which mine have been since XXXX XXXX 

Remove : both the XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX and EXPERIAN I want to be provided with an updated report showing removal of the soft inquiries and my FICO credit score from EXPERIAN.
Product: Credit reporting

This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Experian, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, this notice includes : Identification of the specific information being disputed : XXXX Experian, and XXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX Experian - unknown/not listed 2. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported Experian - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX ; however, Experian payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** XXXX. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' Experian - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I contacted them to remove XXXX XXXX XXXXXX/XX/XXXXXXXX This account was opened by a family member, and I have since paid the account off. I was told by the company that it would be deleted by paying per delete, yet it still appears on my XXXX and TRanUnion reports. I keep sending letters and getting no response on this matter. It is impossible to reach them by phone I want this removed Immediately, it is causing injury to my way of life and I am not able to be approved for things that will enhance my way of life
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is trying to collect a debt from XXXX XXXXXXXX XXXX Company name- ( Unifin ) Company phone number - ( XXXX ) XXXX Email - XXXX This company was calling my home phone at first. I spoke to more than one person, informing them that I was not the correct person because they are calling me XXXX XXXX. I had that number disconnected, so now I'm getting emails! Well I'm still the wrong person because my name is not XXXX XXXX.
Product: Mortgage

We requested a payout statement from Citimortgage to pay off our mortgage. It arrived with interest showing fromXX/XX/XXXX thru XX/XX/XXXX. We paid our XX/XX/XXXX, payment and felt that closing interest should be from XX/XX/XXXX thru XX/XX/XXXX. Our XX/XX/XXXX payment was sent XX/XX/XXXX, received by lender XX/XX/XXXX and cleared our bank XX/XX/XXXX. Now, I am being told that closing interest is correct because interest is paid in arrears. In all the years and numerous statements we have received, NEVER has interest payment been SHOWN to be paid IN ARREARS. Statement is n't showing principal payment for one month and interest payment for a previous month. This all seems to be a rather DECEPTIVE PRACTICE. Citi purchased our loan from our original lender. We ca n't recall seeing any paperwork from Citi spelling out that the interest on our loan is in arrears. Statements do n't show principal payment for one month and interest payment for previous month. It is n't spelled out on the statement that way. DECEPTIVE, DECEPTIVE, DECEPTIVE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from Equifax that it was updated and closed as of XX/XX/XXXX. I contacted Equifax by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, XXXX XXXX XXXX XXXX XXXX for a date closed on this issue and to have them contact Equifax to remove from credit report. 

I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.
Product: Mortgage

I had applied to a Bank of America Home Equity line of credit. During the application process, when I entered in my data to the automated application, it permitted me to go up to 90 % of the LTV, and in my discussion with XXXX XXXX, I provided my information which would move the LTV value to 90 %. At no time did XXXX say anything was wrong with that issue. 

Today, while submitting paperwork, I find my HELOC was denied because Bank of America estimated my home value at XXXX. This estimate is a great deal lower then a XXXX estimate done a week before by a certified estimator. That is suspicious on Bank of America 's behalf. I was also told by XXXX XXXX # XXXX that despite what the mortgage company had on it 's web-site, they never go above 75 %. This is absolutely a bait and switch and an outright lie by Bank of America. I want Bank of America to be put to task for lying to consumers via their applications.
Product: Mortgage

After starting a refinance application with Quicken [ Id. XXXX ] I decided not to continue with them and notified them to that effect on XX/XX/XXXX requesting that they send me a copy of the appraisal for which I had already paid and terminate my application. They have so far not done this. They chose to harass me with repeated phone calls so I eventually blocked their numbers ; they mis-transcribed my email address and then claimed I was using wrong address so they could n't deal with me. Eventually I told them either send me the report or return my money by end of XX/XX/XXXX or I would make a complaint, which I am doing.
Product: Credit card or prepaid card

I have a {$900.00} credit limit. 

My current balance is {$330.00} However my available limit is - {$210.00} I have no extraneous charges. 

I have called the customer service line on the back of the card and they said that they may hold my payments for up to 10 days or more but it does not say that in the agreement. 

I would like to know why I have no credit available?
Product: Credit card or prepaid card

Hello I opened a XXXX XXXX credit card offered by first national bank of omaha and the credit card was approved and I had online access to the account, however after couple of weeks the bank has blocked by account access without notice and says it says it needs to to verify my account and says that I need to provide notarized documents of my identity, pay slip, address proof and W2 I don't think this is the process a bank should follow in terms of providing access to a credit to a customer and also asking for documents to this extent which is a breach of privacy
Product: Credit reporting or other personal consumer reports

I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of XXXX  data breech, and XXXX XXXX 's data breech. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I took my XXXX XXXX debit card ( which has my tax refund on it ), to a Wells Fargo bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have a checking and savings account. 

The teller ( s ) told me the XXXX XXXX card was declined, yet when I used it in the Wells Fargo ATM machine, it worked fine. I withdrew {$260.00} cash from the XXXX XXXX card at the Wells Fargo ATM and deposited it in my Wells Fargo account. Wells Fargo could not tell me what my daily withdrawal limit would be from my XXXX XXXX XXXX 

I wanted to transfer my entire tax refund ( not just the {$260.00} ) to my Wells Fargo account, and 3 employees insisted that I could not do that. 

XXXX XXXX says on their website that their XXXX XXXX XXXX, XXXX XXXX, is capable of interacting with Wells Fargo bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three inquiries from XXXX XXXX over the course of just 4 days, I do not remember giving authorization to this lender to do a hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from Santander Asking to collect a debt. Because of this I placed a call to Santander to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. Santander failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to Santander and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. Santander has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by Santander and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with Santander 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with Santander will dramatically ruin your credit.
Product: Mortgage

Chase short sale. Final settlement was submitted to Chase on XXXX XXXX as required by Chase to receive final XXXX approval to close. It has been our law firms experience with Chase that no matter how far in advance the settlement statements are submitted to Chase they are unable to provide the final approval to close. This particular file has been escalated through the Escalations Department since XXXX XXXX due to Chase 's lack of providing XXXX approvals on time. I was advised yesterday that we would have the final approval to close by end of business on the XXXX. Still today XXXX we do not have the final approval to close. My contact with Chase escalations on XXXX at XXXX XXXX stated that I would have the approval with in 30 minutes as it has been escalated. XXXX XXXX still waiting for the final approval to close. Contacted Chase again and was advised that it would be another hour as per the manager of the closing department. I then requested to speak to the manager in the XXXX approval letter and was advised that they are out of the office due to the holidays. This is unacceptable as end of month is the busiest time for closings and Chase continually allows their staff time off at the busiest times of the month. This is a continual problem with Chase and they continue to harm our clients due to their lack of approving the Final XXXX for approval to close.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Current Address ( es ) : XX/XX/XXXXXXXX
Product: Debt collection

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX and XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX, account number 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.