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

We were out of town for my grand baby funeral.When we arrived home a week later.I turned on the answering machine.I heard a message from Citi My Best Buy Visa Card, they were stating that my card was being used and that it was possible fraud charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card. I didn't know my card was being used until I heard the message. I told them the same thing Iam telling y'all.They denied the claim and now I been paying on charges that I didn't make the balance is XXXX I kept calling them to reopen the claim they said it was out of their hands, they gave me a address that wasn't good.I called Citi today to get the correct date when all this took place it was XX/XX/XXXX.XX/XX/XXXX I made a payment for {$43.00} on XX/XX/XXXX I made a payment for $ XXXX.I couldn't understand why the payment jumped up so high before the {$550.00} they XXXX  everything out than rebilled me.I owe them {$550.00} and the payments I made going to the fraud charges not my balance. I continued to call them still not getting anywhere, no one wouldn't reopen the case.Iam reaching out to y'all for help. I pray this don't happen to nobody else.Thanks in advance.
Product: Mortgage

My loan agent should have processed my paperwork and put urgency on the lenders to approve all my paperwork. Throughout my Escrow process, she would not pick up her phone, return my emails, or return my text messages. When I could talk to her, she assured me everything was smooth sailing and I would get approved in time for Escrow to finish in time. However, as the day got closer and closer, I still had heard nothing and then I would receive more questions from the lenders. She told me that if I anwered these questions, it should be fine. But then several days later, I was asked repetitive questions. 

After my escrow date had already passed, I asked her once and for all if there were any questions and she referred me to her processor. 

I spoke to the processor, and he said he could prioritize and get it done quicker. I asked if I should have communicated with him directly and he told me " yes, it would have made things quicker and easier, but the loan agent told me I could only go through her. " I feel like she did n't put any urgency, and I was then forced to answer the same questions and it delayed my escrow by 20 days. I was forced to sign a per diem of {$150.00}. 

I have since asked her for a MILESTONE report. I have been waiting over 5 weeks now for it in which she claimed she requested it.
Product: Credit reporting

Credit reporting violations include where your credit report contains information that is inaccurate, disputed, and outdated. However, they have refused to remove. 
Public Record CHP XXXX - 10 years old ( Equifax ONLY ) Child Support Error- 14 years old ( Equifax & XXXX ONLY ) XXXX Bill- XXXX years old ( Equifax ONLY ) XXXX ( Student Loan ) - PAID in full 2010 w/IRS offset. However, I am presently STILL paying in efforts to protect my credit score. ( Equifax , XXXX & XXXX ) If you do n't have any success with these violations of statutes. I would like to pursue compensation for damages suffered ( such as credit loss, higher interest rates and emotional distress ), plus an additional amount up to {$1000.00} per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 
Thank You
Product: Bank account or service

We have been Bank of America customers for well over 20 years and on XXXX XXXX, 2016 my entire family received letters individually that each of our accounts was going to be closed in 30 days with no explanation. It advised our account would be restricted in 21 days not stating what those restrictions would be and we had 30 days from the date of the letter which was XXXX XXXX, 2016 to make other banking arrangements. We have never had any inappropriate banking practices and have had several accounts throughout the years with no issues. So this comes as a complete shock to say the least! My husband and I have had our checking account for over 20 years and our daughters have had checking and savings accounts with them since the age of XXXX and they are now in their mid twenties. Upon receipt of the letters I immediately called the phone number on the letter and was not given the option to speak to a live representative. There was only a voicemail stating that if we received a letter that our account is closing its a business decision and no further explanation or reason will be given, so if we still wanted to leave a message regarding something else that could be done. I then went directly to our branch and spoke with the manager who was unable to give any information and stated that our accounts had no indication or notations that they were to be closed. She submitted an inquiry on our behalf, but with no resolution. A few days later I returned to Bank of America to do some banking before the accounts closed and spoke with XXXX of the associates who assisted us quite often and advised me that our accounts were being closed because I deposit too much cash. I have a small business and receive checks and I can not afford for the checks to bounce so I cash them and deposit the cash to my accounts. After over 20 years as an account holder and no issues with our accounts I ca n't believe that Bank of America would close all of our accounts without provocation or explanation. To further make matters worse we were told after 21 days our accounts would be restricted when actually they have been closed prior to the date stated in the letter. We have not been allowed to withdraw the remainder of our funds and that they will not release the funds and we have to wait for a cashiers check which wo n't be even processed for mailing until XXXX XXXX, 2016. We are not in a financial position to just have our funds sit while Bank of America decides when they will release our money after treating us so poorly and unfair. My family and I have been loyal customers for so many years to Bank of America and their treatment of us has been horrible. We have not been able to get any reliable information from anyone of authority and after being an account holder for so long I feel its the least they could do is explain this situation. I will never bank with them again or advise anyone else to bank with them either. They 're handling of this situation has been completely disrespectful and unprofessional! It is my hope that CFPB can do something to hold Bank of America accountable for their mistreatment of customers.
Product: Consumer Loan

Santander Consumer USA is reported false information to the XXXX major credit bureaus for an auto loan. They also breached the contract and wrongfully taken the auto before the first payment was ever due. In addition, they never returned the tendered payments and violated numerous laws, policies and codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the following accounts continue to report on my credit report without my consent and in violation of federal law. These accounts shall be verified as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't check these accounts, I'll file a lawsuit against you. Please uphold the law so that this matter can be resolved as promptly as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo representatives tell me that my account has thrown fraud alerts for a transaction that I did myself and I told them I did. I verified all the information about the transaction, and told them there is no fraud. My account is fine, I've not reported any fraud nor any unauthorized transaction. But they insist that the system has shown fraud activity. Then they asked if I had multiple devices, I explained that I use XXXX XXXX on my phone for security and privacy, and apparently the bank 's system don't like that, however, that's my right to watch for my security and privacy, and when I signed WF terms and conditions it doesn't say on our contract that I can not use XXXX XXXX to log into my account. 

Now they keep telling me that I have to step into a branch with a form of ID to get verified. I left the United States a few days ago and won't be back in several months. I've explained this situation to them and they keep telling me the same, they don't seem to even listen what I'm saying, they keep repeting the same message to me over and over. I called my personal banker at the WF branch with whom I opened my account, and she put a note on my account letting the security department that we talked but I'm not in the country and I can't go to the branch. I wonder if it is actually legal that WF prevent me to access my online banking just because I'm not in the United States at the moment. As my banker says, WF multiple ways to verify me over the phone. Then, they should do that. 

This is so discriminatory of Wells Fargo to punish XXXX XXXX like me by not letting them use their online banking because they can not step into a branch whenever WF wants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX  XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX speedy cash has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received a Notice that my Federal Student Loans would be transferred to XXXX after being approved for Public Service Loan Forgiveness. 

XX/XX/2023 My Department of Education/Aidvantage Student Loan Status changed to : Paid in Full with a {$0.00} balance. 


XX/XX/2023 I notified XXXX about the new PSLF status. 


XX/XX/2023 Department of ED/Advantage reported to Credit Bureau to delete the entire account from credit history which eliminated all positive standing/payments made prior. This also eliminated any credit showing {$20000.00} being paid in full, resulting in a lower credit score. 

XX/XX/XXXX I contacted XXXX about the deleted account. XXXX was able to inform me that when they contacted Ed/Aidvantage to verify the PSLF status, they requested to just delete the entire ED Aidvantage account instead of a paid off status. XXXX also stated they would not be able to fix this error. I would have to contact the Loan Servicer and request they resubmit an accurate report. 


XX/XX/2023 Contacted ED/Aidvantage and requested they resubmit an accurate report showing the Loan was either transferred or paid in full. I was told that there was never any request for the loan to be deleted and there was nothing they could do. They also refused to send me the report they submitted to credit bureau or any of the request they had received from XXXX on the dates listed. 

As of today, XX/XX/2023 I have not been able to get anyone to help fix the problem despite multiple attempts in writing. My credit score remains lower than needed preventing me from refinance or getting a new the mortgage loan that I had just applied for when all of this information was discovered.
Product: Checking or savings account

As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated taxes totaling {$5100.00} was not received, it was intercepted by a third party, cashed in my name. An affidavit was filled out, sent in to Wells Fargo in re, a second check supposedly reissued in XXXX or XXXX of 2020, after I had moved on XX/XX/2020. This amount, {$3700.00}, was offered to me as result of unauthorized accounts opened in my name which I never needed or wanted, XXXX XXXX offered this via phone conversation and would not put offer in writing which is highly suspicious. Also, a second check representing a mediation settlement in the amount of {$500.00} with estimated taxes totaling XXXX was also sent to old address, not received. Wells Fargo reps replied to prior complaints by merely verify address, disregard the fact I moved prior, claim checks were cashed. If they were in fact cashed, it was by someone living at address at the time after I moved, not myself. Mail has been forwarded to new address at XXXX XXXX XXXX XXXX XXXX, CT XXXX, no checks received to date for either amount. The last Wells Fargo rep replied again by merely verifying old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX The rep before that replied by stating the old address was one I had provided, no proof provided as to what address I had given to anyone with Wells Fargo. Even if I mistakenly provided wrong address, that does not change the fact no payments received.. I have checked with Post Office, they show no missing mail or undelivered mail forwarded to new address. In case payments were sent via XXXX or XXXX, neither carrier would know I no longer live there, would have dropped packages, not knowing otherwise..Failing to investigate, reissue payments from Wells Fargo, I will forward on this information to an attorney to look into, file suit if necessary. I prefer to resolve this directly, unfortunately, the reps at corporate office are clueless as to what I'm talking about, attempt to refer me to Wells Fargo Settlement site which is separate from remediation program in which these payments were issued from.
Product: Credit reporting or other personal consumer reports

Navient has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for Navient and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of navient to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/2021. Somehow despite my accounts no longer being held by naveint for XXXX  months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, navient is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand navient write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to Navient for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Product: Checking or savings account

On XX/XX/XXXX I went online to my Santander checking account and my Heloc loan account. I checked the balance of the Heloc account and transferred the balance of {$3300.00} to that account to pay off the balance. When I checked the account a few days later I noticed that although this amount was taken out of my checking account it was not applied to the Heloc account. Then on XX/XX/XXXX Santander took {$230.00} out of my checking account for the loan balance. At this point the balance should have been XXXX as I had paid the balance. It was then that I realized that the {$3300.00} they took out of my checking account had not transferred properly. I called and was told they would check it out. I have been on the phone with them at least 4 times since then and the issue has not been resolved. They closed the loan account, charged me more in interest as well as a fee and then credited my checking account {$77.00} on XX/XX/XXXX. I believe they owe me more money. If the balance was {$3300.00} on XX/XX/17 I may have owed them a few more dollars in interest but not {$50.00}. I feel the credit I should have received should have been closer to {$120.00} versus the {$77.00} they gave me. No one at Santander has bothered to explain what happened to the original transfer. I am attaching a picture of the checking account statement as well as the XXXX and XXXX statements in the loan account as I can no longer access the loan info online as it has been paid. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crimes which antedates the report by more than seven 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was inquiring about my car loan buyout options and asked the company what my options were before running my credit. They disregarded my request and ran my credit without any discussion beforehand. I believe this will affect my credit score, even though the sales manager stated that it will not. This happened on Friday XX/XX/27.
Product: Credit card or prepaid card

I made a payment in full on my account on XXXX XXXX, 2020 for {$1600.00}. the amount was deducted from my bank account XXXX XXXX, 2020. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is XXXX affecting my credit and we are trying to prepare to make a home purchase. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months.
Product: Checking or savings account

asked Mercari multiple times to remove the block of my account. Notified my bank that there was an unauthorized purchase made on my Mercari account so I disputed it. I got an alert at XXXX XXXX  this morning. My account was restricted. Ive been contacting them hourly at this point and still have not heard anything, they refused to get back to me saying billing payments back to me. Ive asked him multiple times to put this hold on my account so that I can get access to my money and get back to selling on my account. They refuse to do anything to help me.
Product: Credit card

Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. 

The card is advertised with no foreign transaction fee. Card ending in XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 reached out to Coinbase support to help on 2 factor identification issue locking me out of my account. My phone number had changed and I could not receive the 2 factor code. 
XXXX XXXX I have followed all their support instructions, uploaded ID images, pictures of myself from web cam, etc. XX/XX/XXXX received email " Our team is currently reviewing your account to find best solution ''. 
XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status I have not had access to my account or funds for over 30 days. This is not acceptable and it seems like it should also be illegal to not help customers gain access to their account to trade.
Product: Debt collection

This debt of {$110.00} was deemed as fraud two years ago by the XXXX now it's back again under a different collector how can I be double jeopardy THIS COMPANY SOURCE RECEIBLES MANAG HAS RUINED MY CREDIT TO THE TUNE OF XXXX XXXX  THIS FRAUD ALSO MY BALANCES FROM TRANSUION ARE WRONG MY BALANCES ARE XXXX NOT XXXX PLEASE FIX THIS.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income, which is not permitted to be recorded on a credit report under the FCRA. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX  this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099- form. 



Also, the information on my report is wrong. According to 15 USC 1681s-2 ( f ), a person may not provide any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My credit report shows : Account status XXXX XXXX XXXX XXXX experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''   XX/XX/17 .   Photo  copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus Equifax,  XXXX , and  XXXX  on  XX/XX/17   . All  XXXX  have responded as "  Verifed  '' account information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.