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

On Thursday XX/XX/XXXX I looked at my online account in the morning and saw what my balance was. That afternoon I again looked at my online account and saw that the account information had disappeared, needless to say I was shocked. I did not understand what happened. I immediately callled SunTrust Bank customer number to find out what was wrong. I was told there was a hold on my checking account and I could not think of anything I did for the Bank to do that. The person I talked to told me to hold a minute and she came back on and told me that I had a joint account and that the other person ( XXXX XXXX ) was being investigated and the Bank put a hold on all his accounts. I had put him on for emergency conditions only. I trust him and didnt Know what to think. I then called XXXX at his work and told him he had better call the bank and find out what was going on. He did so and was told he was being investigated because of a check someone else tried to put in his account ( not mine ). He also was told he could not have a checking account with SunTrust again. That evening I met XXXX at the Bank after he got off work. We then talked to a man that worked at the customer desk. He could not tell us much except he said that my account was being closed because of XXXX name being a joint account but that my standing with the Bank was good and I could start another checking with Sun Trust once the investigation was over. I could not get a time line on when that might be. I have been a customer of SunTrust since 1988 with no problems and I can not understand why they are treating me this way. XXXX name has been on my account at least 12 years with no problems. 
The Bank can see where the money I had in the bank came from as it mostly came from my Social Security check, paycheck and a little money from XXXX for rest of his rent. I think it is terrible what they have done as what am I suppose to do for food, pay bills and a lease. Actually this is a form of ELDER ABUSE as I am XXXX XXXX XXXX. I am going to file charges against SunTrust fraud department for Elder Abuse. Dont know if I will get anywhere but I might as well try.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a copy of my consumer report from TransUnion online and was unable to for XXXX months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on XXXX XXXX XXXX.transunionXXXX  for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX agent XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on credit karma to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block
Product: Credit reporting or other personal consumer reports

Equifax corrected the information on my credit report XX/XX/year> for XXXX XXXX to balance XXXX, which is correct. That raised my FICO score with them up XXXX points. Then on XX/XX/year> they put the incorrect information back on my report. Reporting that I owe {$24.00}, which is false and then made my FICO score negative XXXX points based on the false information they posted on my account. This is getting out of control, that Equifax can just lie on your credit report.
Product: Mortgage

I was running behind a few months in XX/XX/2023 I called to make a payment fay servicing told me that they can't take a payment since my account is pass due by XXXX I asked them how if my payment is only XXXX a month they said my escrow went up and I had to pay the full amount or I can apply for XXXX XXXX, that it will take them 30 days to review I went ahead and applied for that sent them everything needed. They never once followed up with me I made calls and they will tell me everytime there missing something. I kept sending in documentation but no answer. Finally I got XXXX XXXX involved and as soon as they got involved I was told my loss mitigation wasn't approved because I didn't have a sufficient income and that I can appeal. After that I have made numerous attempts to contact them they will not respond, even for a reinstatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXXXXXX XXXX XXXX - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it XXXX take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had Fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

Hi, on XX/XX/XXXX i was approved for a loan in the amount of {$320000.00}. 
I found a house and signed a contracted around XX/XX/XXXX for {$300000.00} then that was changed to $ XXXX.When i signed documents, i will receive different style signatures back when copies came back to me.the big problem is closing date keep rescheduling. 
Around the third time, i had it all, they keep asking for stuff that i already provide. 
The mortgage processor even ask me for more paper work two days before closing. 
When i went to her office, she took the day off and wouldn't answer her phone.I later understand that when the owner of the house want to speak to me regarding the house, the realtor will tell him she dont share clients info.When i have question, she told the owner is in XXXX.I spend almost {$1000.00} on inspection and appraisal fee. 
The mortgage processor even charged me {$370.00} for a program they call framework which she said its a requirement. 
I found out later that it is for first time buyer which im not. 
Im a home owner since XXXX.They keep asking for ridiculus stuff like buying money order for XXXX XXXX etc.I know appraisal and inspection fee is not refundable but i would like my {$370.00} back.I found out about this when my card was charged and call to enquired, and was told that its for first time homebuyer and you have to do a course online which i did none of that.I aked the mortgage processor for a refund and was denied.She told me she did the program for me.Loan processor XXXX XXXX NMLS noXXXX ( XXXX ) Realtor XXXX XXXX, which was recomended by Mrs.XXXX 
The problem with the realtor was signature issues, when i choose a type of signature, she would have something else. 
I went to a different realtor trying to get the same house, he call her to see if he can use the loan. 
She told him no, im not qualified for that amount.
Product: Payday loan, title loan, or personal loan

XXXX XX/XX/2023, I was pre approved for a small loan. I only applied for a loan due to being out of work for medical reasons. I signed the loan documents and called to finish the process. I was told my application would be denied because I needed 3 months of paystubs. The problem is, Wise Loan does not specify this information until AFTER you provide them all your personal information such as SSN. The other problem is the requirement for 3 months of paystubs is NOT annotated anywhere in the loan documents OR on the application on their website. So this company has my personal information and then decides to tell me I need 3 months of paystubs after the fact. To add, I dont have access to any signed documents and they dont email you any copies. Seems suspicious to me.
Product: Bank account or service

I 've been with NetSpend, a XXXX entity since 2005. On XXXX, I contacted the bank to let them know that someone actually may have stolen my card number as my card was used XXXX when I clearly live XXXX. Customer asked that I provide them with a confirmation email about the dispute in which I sent from my personal email address and within the banks, website. I received word of my submission and they asked that I give them 14 days. On the XXXX day, I called after received notice that I did not provide documentation. They stated that they wanted me to send again, which I did while on hold along with their receipt however I asked to speak with a supervisor XXXX and was on hold for almost 2 hours. When the supervisor did come on to the line, she stated that she would have to call investigate the investigation department and then would get back to as she did not show any documentations from XXXX nor fron when I was on the phone today. I simply want my money back when its clear that I did n't do this. I have since destroyed the card and had to wait a week for a new card. Now, as of today, they are stating that the investigation will not be completed until XXXX XXXX. I do not think is is acceptable when I provided everything that they needed on the same day. If your bureau can be of any help or better yet, just get the word out that this is happening at this company, I would appreciate it. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to report an issue I encountered while trying to contact TransUnion regarding a loan account that I paid off on XX/XX/year> in the amount of {$200.00}. Total remaining payments {$0.00}. 

On XX/XX/year> I attempted to reach their customer service and was placed on hold for over two hours. Unfortunately, I could not wait any longer and had to hang up without speaking to a representative. 

This experience has been incredibly frustrating, and I would appreciate any guidance or assistance you could provide in resolving this matter. Thank you for your attention to this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to 1stprogress,  XXXX, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A
Product: Credit card

I purchased XXXX XXXX XXXX XXXX XXXX necklaces in XXXX. 

On XX/XX/XXXX  I purchased 1 at {$680.00}. On XX/XX/XXXX  I purchased another that I was charged {$680.00}. Both purchases were confirmed by their service personnel as full credit within 30 days. 

I returned both in the same package on XX/XX/. 
I received a credit of {$440.00} on XX/XX/XXXX  and another credit of {$490.00} on XX/XX/. 

Total charges were {$1300.00}, partial credit received was {$940.00}. I called XXXX XXXX, spoke to customer service and was told a supervisor would contact me with 10 days. Nine days later I received a voice mail message from " XXXX '' who said there was a restocking fee with returned items and that is why I did not receive full credit. 

This is when I contacted Citi Visa to dispute the missing {$420.00}. Now after 4 months of dealing with Citi Visa they sent a letter to my online Citi account saying due to the amount of time since the original charges they no longer have any recourse on my behalf. Citi Visa made mistakes from the beginning over credits, conditional credits and credit reversals. Citi Visa has charged my account and extra {$680.00}. Citi owes me {$680.00} credit plus the {$420.00} they never resolved with XXXX XXXX. 

It absolutely has taken me a long time to try to get this resolved. 

Citi Visa never got the amounts correct, never done the right thing by standing for me, they have only allowed time to go by without ever persuing the correct amount I should have been credited by XXXX XXXX in XXXX! Three months later they give up and charge my account again! I am absolutely disgusted with XXXX XXXX for not properly crediting me the full charges stated in their their policy and 3 of their employees, 2 when I purchased and again when I called to verify the return mailing address stated. I am more disgusted with Citi Visa for not properly addressing my dispute, doing anything about it other than charging my account incorrectly and now for totally dropping the ball. They need to credit my account {$1100.00} immediately. I will then pay the balance on the account and cancel the account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Mortgage

Dear Sir/Madam, I am writing to formally lodge a complaint against Guaranteed Rate regarding a recent mortgage application experience. I had endeavored to secure a mortgage through Guaranteed Rate for the purchase of a condominium to serve as my primary residence. Throughout the process, I encountered several issues which I believe were mishandled, resulting in significant inconvenience and financial loss on my part. This complaint will reveal how I was misled and misinformed consistently throughout the transaction.

The central issue stems from the mishandling of pertinent information regarding the property under consideration, which had previously been two separate units before being combined into one dwelling. I had diligently communicated this fact to the loan XXXX, XXXX XXXX XXXX ( NMLS # XXXX ), who, despite being aware of the property 's unique circumstances including its retention of XXXX separate PIN numbers, instructed me to proceed with the application process. 

Subsequently, after my file had been submitted for underwriting, XXXX XXXX informed me that my loan would be denied due to the property PINs not being consolidated, supposedly in accordance with Fannie Mae underwriting guidelines. This revelation came as a surprise to me, especially given XXXX XXXX 's assurance and guidance throughout the earlier stages of the process. 

I proceeded to inquiry into the Fannie Mae underwriting guidelines. XXXX XXXX 's stated that the Fannie Mae underwriting guidelines are confidential and I would not be allowed access. I discovered that such guidelines are indeed publicly available on Fannie Mae 's official website. This inconsistency in information provided by XXXX XXXX reflects poorly on his professionalism and competence. 

Furthermore, I find it concerning that despite the apparent oversight in evaluating the property 's viability for financing, XXXX XXXX proceeded to recommend and facilitate costly procedures such as an appraisal, a home inspection, and even going as far as requiring me to enter into a lease agreement for my current residence. These unnecessary expenses, coupled with the time and effort invested in this transaction, represent a substantial loss on my part. 

In light of the aforementioned circumstances, I respectfully request that Guaranteed Rate reimburse me in the amount of {$2800.00} to cover the damages incurred as a direct result of XXXX XXXX XXXX 's actions. This figure is inclusive of the financial losses suffered and does not fully account for the invaluable time and opportunity costs associated with this ordeal. 

It would be unfortunate to have this incident tarnish my otherwise positive experiences with Guaranteed Rate, having previously engaged in two successful mortgage transactions with the institution. I express my desire to maintain a favorable relationship with Guaranteed Rate and continue to conduct business with the organization in the future. 

Thank you for your attention and consideration to this matter and I trust that appropriate measures will be taken to rectify the situation.
Product: Credit card

COSTCO and XXXX XXXX entered into an arrangement that promoted XXXX XXXX credit cards and COSTCO membership. I agreed to obtain an XXXX XXXX card and a COSTCO membership pursuant to this agreement. For reasons known to XXXX XXXX and COSTCO, they terminated this agreement with terminated my XXXX XXXX card. 

COSTCO sought to recreate this arrangement with XXXX, a different credit card company ( issued by CitiBank ). To promote this new agreement, XXXX sent me a credit card which I immediately destroyed and never validated. Notwithstanding my refusal to enter into an agreement with XXXX, COSTCO charged a new membership ( that I had not authorized ) to the Visa card that I had destroyed. I had decided that I would not renew my existing membership with COSTCO and I refused the Visa card. 

Nevertheless, COSTCO charged to the XXXX credit card I had not authorized a new membership with COSTCO that I had not authorized. When I objected to this, XXXX told me that I must speak with COSTCO about this, rather than considering this to be a fraudulent charge that I had not authorized to a credit card I had not authorized.
Product: Debt collection

I want to report PayPal credit for continuing to make harassing phone calls on both my cell phone and home number. My home number is not even listed and not an authorized number for them to be contacting me on and they are still continuing to call me there. I have scheduled an automatic payment that is to be pulled later this week and I am still receiving annoying harassing calls!
Product: Debt or credit management

I seen the ad it came up. I clicked on it to approve my credit. They asked me to pay XXXX some dollars at first, so I paid it. Nothing happened to my credit. They asked me to pay another bill for like XXXX some dollars aint nothing happen I asked them. Why is my credit not getting better but Im paying yall all this money Did nothing happen. I paid them XXXX and some dollars the last time I paid them and then I just stop paying them and just blocked all their calls because it wasnt nothing happening in my credit wasnt getting better. Wasnt nothing working.